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Banking & Credit :: Punjab National Bank

14.Scheme for financing agricultural graduates for setting up of agri-clinics and agri-business centres (ACABC):

Objectives:
(i) to supplement the efforts of government extension system.
(ii) to make available supplementary sources of input supply and services to needy farmers.
(iii) to provide gainful employment to agricultural graduates in new merging areas in agricultural sector.

Concept: 
(i) Agri-clinics: agri-clinics are envisaged to provide expert services and advice to farmers on cropping practices, technology, dissemination, crop protection from pests and diseases, market trends & prices of various crops in the markets and also clinical services for animal health, etc., which would enhance productivity of crops. 
(ii) Agri-business centres: agri-business centres are envisaged to provide input supply, farm equipments on hire and other services.

Purpose : financial assistance is provided to the eligible persons for any economically viable activity selected by the graduates acceptable to the bank: -
(i) soil and water quality-cum-inputs testing laboratories (with atomic absorption spectrophotometers).
(ii) pest surveillance, diagnostic and control services.
(iii) maintenance, repairs and custom hiring of agricultural implements and machinery including micro-irrigation (sprinkler and drip) systems.
(iv) agri-service centres including the three activities mentioned above (group activity).
(v) seed processing units.
(vi) micro-propagation through plant tissue culture labs and hardening units.
(vii) setting up of vermiculture units, production of bio-fertilizers, bio- pesticides, bio-control agents.
(viii) setting up of apiaries (bee keeping) and honey & bee products processing units.
(ix) provision of extension consultancy services.
(x) facilitation and agency of agricultural/insurance services.
(xi) hatcheries and production of fish finger-lings for aquaculture.
(xii) provision of livestock health cover, setting up veterinary dispensaries and services including frozen semen banks and liquid nitrogen supply.
(xiii) setting up of information technology kiosks in rural areas for access to various agriculture related portals.
(xiv) feed processing and testing units.
(xv) value addition centres.
(xvi) setting up of cool-chain from the farm level onwards (group activity).
(xvii) post harvest management centres for sorting, grading, standardization, storage and packaging.
(xviii) setting up of metallic/non-metallic storage structures (group activity).
(xix) retail marketing outlets for processed agri-products.
(xx) rural marketing dealerships of farm inputs and outputs.
(xxi) internet kiosks either separately or in combination of any of the eligible project activities selected by the entrepreneurs.

Eligibility: 
(i) the applicant should be agricultural graduates/graduates in subjects allied to agriculture like horticulture, animal husbandry, forestry, dairy, veterinary, poultry farming, pisciculture and other allied agricultural activities.
(ii) individuals or in group of not exceeding 5 persons; of which one could be a management graduate with qualification or experience in business development and management.

15. Scheme for financing farmers for Purchase of land for Agricultural PURPOSE :

Purpose : the objective of the scheme is to finance the farmers to purchase, develop and cultivate agricultural as well as fallow and wasteland.

Eligibility : small and marginal farmers and share croppers/tenant farmers.

 
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