1. Kisan Credit Card

2. United Krishija Laghu Paribahan Yojana

3. United Krishi Sahayak Yojana

4. United Gramyashree Yojana

5. Self Help Group

6. Gramin Bhandaran Yojana

7. Golden Jubilee Rural Housing Finance Scheme

8. United Bhumiheen Kisan Credit Card

9. United Gramin Sahaj Credit Card

10. United Sahaj Rin Yojana (For North Eastern States Only)

1. KISAN CREDIT CARD

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Objective:

The scheme aims at providing adequate and timely credit for the comprehensive credit requirements of farmers for taking up agriculture and allied activities under single window, with flexible and simplified procedure, adopting whole farm approach, including the short-term credit needs and a reasonable component for consumption needs, through Kisan Credit Card including repayment of farmer's dues to non-institutional lenders.

Area of operation:

Through all rural and semi urban branches.

Eligibility:

• Short term crop loans to farmers those who are owner cultivators/share-croppers/bargadars. 
  
• KCC can also be issued for meeting the short term production need/working capital needs in respect of the allied activities like poultry, dairy, pisciculture, floriculture, horticulture etc. 
  
• KCC schemes also covers the term credits for agriculture and allied activities. 
  
• KCC is issued to individual borrower only on merit and not to corporate body society, association, club, group etc. 
  
• Illiterate and blind persons intending to avail of this facility may be allowed after taking proper safeguard against misuse and tampering.

Purpose:

It is intended that both term as well as short term/working capital credit facilities will be provided through single Kisan Credit Card. The passbook provided to KCC holders are to be divided into three separate portions for maintaining the records of :-

a) short term credit / crop loans,

b) working capital credit for activities allied to agriculture and

c) term credit (repayable beyond 12 months)
However, it is to be ensured that transaction records of different loan facilities are kept distinct.

2. UNITED KRISHIJA LAGHU PARIBAHAN YOJANA

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Objective:

To provide financial assistance to the farmers for acquiring three wheelers, to be used as a transport equipment for carrying agricultural inputs and farm produces

Area of operation:

Through all rural and semi urban branches

Eligibility:

The farmers owning lands or no land but having driving license will be eligible for the loan.

Quantum of loan:

Maximum upto Rs.1.00 lac.

3. UNITED KRISHI SAHAYAK YOJANA

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Object / Purpose:

i.     Providing financial assistance for purchasing tractor and power tiller for the purposes of tillage operations, transportation of output and inputs and custom hiring. 
ii.    Providing self employment to rural youth for taking up custom hiring as well as tillage of his own land.
iii.   To increase direct lending to agriculture.

Area of operation:

i.     Through rural and semi urban branches within or even outside their service area.
ii.    For such loan service area concept will not be applicable. 
iii.   The concept of 'No Objection Certificate' is dispensed with, but indebtedness of the farmer is to be examined by exchange of list of borrowers amongst the bankers in the service area / block / tehsil.

Eligibility:

• A non-defaulter farmer possessing minimum 2.5 acres of irrigated land for tractor and 1.5 acre of irrigated land for power tiller. In case where financing of tractor is 100% secured by liquid security like FD, NSC etc., there will be no minimum land holding criteria, but the applicant should be a farmer.
• For rural youth below 35 years of age having a valid tractor driving license and possessing minimum 2 acres of irrigated land for tracor and 0.5 acres of irrigated land for power tiller. He should be a non-defaulter and duly recommended by BDO/DRDA/DRDC/Panchayet and Anchal Pradhan.

4. UNITED GRAMYASHREE YOJANA

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Objective:

To provide uninterrupted, quick and hassle free credit with a view to appreciate and encourage good borrowers /depositors for different productive activities

Area of operation:

All rural and semi urban branches.

Purpose:

For all kinds of agricultural, allied and other productive activities with emphasis on minor irrigation, farm mechanization, horticulture and plantation, dairy, poultry, fishery, sericulture, bio-gas, high-tech agriculture, setting up of agri-business/agri-clinic, purchase of land for agricultural purposes.

Eligibility:

• Existing medium term farm borrowers with good track record for the last 3 years, woman family members of such borrowers
• Existing depositors maintaining an average balance of Rs.25,000/- or above for the last 3 years can apply himself (herself) / recommend the loan proposals under this Scheme as guarantor.

5. SELF HELP GROUP

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A Self Help Group (SHG) is a small, economically homogenous and affinity group of rural poors having a common perception of need and impulse towards collective action, voluntarily formed to save and mutually agreed to contribute to a common fund to be lent to its members as per group decision for meeting the emergent needs of the members, both for productive and consumptions purposes to raise their income and improve their living standards.

Objective:       

i.     To evolve supplementary credit strategies for meeting the credit need of the rural poor.
ii.    To encourage banking activities – both on thrift as well as an credit portfolio.
iii.   To build mutual trust and confidence amongst the group members as also between the bankers and rural poors / groups.

Membership:

The membership of the group should be restricted between 10 to 20. Only one person of a family either male or female can be the member of an SHG. The Group should preferably be economically and socially homogeneous, covering people below poverty line, above poverty line or even a mixture of the two.

The defaults by a few members of SHGs and/or their family members to the financing bank should not ordinarily come in the way of financing SHGs by Bank provided the SHG is not in default to it. However, the bank loan was not be utilized by the SHGs for financing a defaulter member to the Bank.

Opening of S.B. Account:

S.B. account of the registered or unregistered SHGs are to be opened. For this purpose a duly filled in application form should be obtained along with

i.       A copy of the resolution passed in the meeting of the SHG signed by all members containing the decision to open the bank account with authorization of 3 members for joint operation of the account
ii.      Bye law if any, initial cash deposit of Rs.50/- may be accepted for opening of S.B. account. The A/c. and Pass Book should be in the name of SHG.

Internal lending by SHG:

The deposit held in SB Account over the minimum balance of Rs.50/- shall be utilized for internal lending among the members. The repayment including principal and interest shall be deposited in the SB account and further lending be carried on to maintain the cycle.

Assessment of SHG:

The SHG is required to be assessed by the branch according to prescribed check list before extending credit. (copy enclosed).

6. GRAMIN BHANDARAN YOJANA

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Objective:

The main objectives are :

i.       Creation of scientific storage capacity with allied facilities in rural areas to meet the storage need of farmers for farm produce, consumer articles and agricultural inputs.
ii.      Promotion of grading, standardization and quality control of agricultural produce for improving their marketability and preventing distress sale.
iii.     Promotion of pledge financing and marketing credit and to strengthen agricultural marketing infrastructure for introduction of a national system of warehouse receipts in respect of agricultural commodities stored in such godowns.

Implementation:

i.      The scheme is implemented by the Directorate of Marketing and Inspection attached to Department of Agriculture and Cooperation. Implementation of the scheme shall be continued up to 31.03.2007.
ii.     The construction of godowns shall be as per specifications of Central /State/Public Works Deptt. Or any other specifications laid down on this behalf.
iii.    The godown complex shall have easy approach road, pucca internal roads, proper drainage, arrangements for effective control against fire, theft and also have arrangements for easy loading and unloading of stocks.
iv.    The entrepreneur must have proper licence to operate such godowns under the State Warehousing Act or any other relevant law.
v.     The project to be prepared by the borrower acceptable to the bank and submitted along with approved plan and estimated cost by an approved engineer.
vi.    Average DSCR should not be below 1.5 and in any year it should not be less than 1.33. 
vii.   As this is a subsidy based scheme disbursement to be made only after receiving of 50% advance subsidy.

7. GOLDEN JUBILEE RURAL HOUSING FINANCE SCHEME

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Objective:

To redress the problem of rural housing through improved access to housing credit in rural areas, for construction of house, purchase of house/flat under construction or purchase of newly built ready house /flat /repair /renovation /extension etc.

Eligibility:

An individual customer including joint loanees, salaried persons professional and self employed business men and agriculturists having regular source of income. Promoters/Co-operative Societies/Associations/Staff are not eligible under the scheme.

Quantum of loan:

There is no ceiling on the quantum of loan provided by banks under the scheme. All loans extended by the banks in rural areas for housing purposes be included under the captioned scheme. However, it may be noted that refinance facility from NHB shall be limited up to a maximum of Rs.15.00 lac per dwelling unit under the scheme.

8. UNITED BHUMIHEEN KISAN CREDIT CARD

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Objective:

The objective of the United Bhumiheen Kisan Credit Card (UBKCC) is to provide production credit coupled with the provision of consumption credit and credit for liquidation of loan availed from informal sector and for meeting genuine need of the farmers who are landless tenant farmers, oral lessees, bargadars and share croppers for availing working capital assistance for agriculture and allied activities like dairy, poultry, fishery, piggery, duckery, horticulture, nursery, ornamental fishery, vegetable orchard and bee-keeping, etc.

Eligibility:

1.       Any individual belonging to the above category.
2.       SHG/Joint Liability Group of the above category of farmers.
3.      Contract farmers under tie-ups with sugarcane, potato, vegetables, fruits and horticultural crops processing units and other processing units in allied agricultural activities.

Limit:

a)       Maximum Rs.25,000/- for all the above purposes together. Out of the above limit Rs.5000/- may be utilised for investment credit purpose if required by the borrower.
b)       Consumption loan limit not to exceed Rs.2500/-.
c)       Repayment of loans to informal sector maximum Rs.5000/- on the basis of documentary evidence and certified by the Panchayet Prodhan.
d)       Scale of finance as fixed by District Level Technical Committee(DLTC) and unit cost fixed by NABARD will be applicable.
e)       For cultivation of multiple crops different sub-limits to be fixed.

9. UNITED GRAMIN SAHAJ CREDIT CARD

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The Salient features of United Gramin Sahaj Credit Card Scheme are as under:

Objective:

• The scheme shall cover general credit needs of our customers in rural and semi urban areas. The objective of the scheme is to provide hassle free credit for any purpose to the customers based on the assessment of income / cash flow of the household without insisting for purpose & ensuring end use of the fund & without insisting collaterals etc. - in line with issuing of General Credit Card. Implementation
• The scheme will be implemented in all rural and semi urban branches of the bank

Nature of accommodation:

The credit facility to be extended under the scheme will be in the nature of revolving overdraft facility. The UGSCC holder will be entitled to draw cash from the branch from where the limit will be sanctioned and a passbook will be issued stating the limit etc. affixing photograph.

Eligibility:

• Any individual household having regular income from salary, business, profession and any other economic activities (Farm and Non Farm activities) like agriculture, pisiculture, dairy, poultry, piggery, duckery, transport operating, craftsmanship, artisanship, etc. 
  
• Preference to be given to women beneficiaries under the scheme. 
  

10. UNITED SAHAJ RIN YOJANA (For North Eastern States Only)

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Objective:

The objective of the "United Sahaj Rin Yojana" is to provide overdraft facility for pursuing any income generating activities in the farm and non-farm sector (any eligible activities). The scheme is meant for weaker section of the society under priority sector for bringing the small traders like Pan Bidi vendors, vegetable / fish vendors, fruit vendors, newspaper hawkers, fast food stalls, phoochka stalls, etc. The scheme is aimed to avoid borrowing by these very small traders from private money-lenders at very high rate of interest.

Eligibility:

Any individual in the age group of 18-50 yrs. belonging to BPL list and undertaking the above-mentioned activities, and residing in the vicinity of the branch preferably within 1 to 1.5 km. from the Branch for proper monitoring. All existing defaulter loanees will be kept outside the purview of the scheme.

Implememtation:

To start with the implementation of the scheme will be restricted to all branches under North Eastern States only.

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Source: http://www.unitedbankofindia.com