6. Gramin Bhandaran Yojana

Objective:

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 Dept. 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 & 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.

Eligibility: The project for construction of rural godown can be taken up by :
i.	Individual Farmers	v.	Partnership / Proprietorship concern	ix.	Agricultural Produce Marketing
ii.	Group of farmers	vi.	Companies	x.	Marketing Board
iii.	NGOs	vii.	Corporations	xi.	Agro Processing Corporations
iv.	SHGs	viii.	Cooperative Societies

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.