Azadi ka Amrit Mahatsav

Maha Krishi Samrudhi Yojana (MKSY)

Target Group

Food and Agro Based industries & Agri Infrastructure Projects Including Startups


  1. Individual, Proprietorship, Partnership Concern, FPCs, Private Limited Companies, Public Limited Companies and Limited Liability Partnership concern.
  2. All Advances to new/existing (including take over from other Banks/FIs) food and Agro-processing units under “Agriculture”


  1. Financing new project/expansion of existing unit i.e. acquisition/construction of Land and Building and Plant and machinery based on the project cost including takeover of existing unit.
  2. To finance the borrower units with cluster approach on PAN India basis

Type of Facilities

Term loan, Working Capital / Export Credit like Pre-Shipment and Post Shipment / Bill purchase / Bill discounting etc, LCs, BGs


  • Minimum-  Rs. 10.00 Lakh & above

  • Maximum- upto Rs. 100.00 Crore


Term Loan: – Minimum 25%

Working Capital: -Stocks & Book Debt – Minimum 25%.

Credit Rating

  1. Internal Credit Rating is applicable for all accounts with aggregates exposure (Fund + Non-Fund) of above Rs. 25.00 Lakh and upto Rs. 25.00 Crores.
  2. External Rating is applicable for all accounts with aggregates exposure (Fund and Non-Fund Based) of above Rs. 25.00 Crore. (Minimum Credit Risk rating shall be “BBB”)


As per Risk Based Pricing

Minimum - 7.35% p.a.

Maximum -8.30% p.a.

Concession for CMR borrowers in ROI

  1. Additional concession @ 0.50 % shall be allowed for borrowers having CMR 1 & 2
  2. Additional concession @ 0.25 % shall be allowed for borrowers having CMR 3 & 4
  3. With above all concessions in ROI, effective ROI should be at par with MCLR / RLLR


Term Loan: Maximum period upto 7 Years (Including Moratorium Period).

Working Capital: Repayable on demand

Review/ Renewal

Working Capital: Review / Renewal at every year

Term Loan: Yearly Review of Term Loan of Rs.25.00 Lakh and above

Processing Fee

  • NIL Processing Fee for borrowers / units with CIBIL MSME rank CMR-1 to CMR- 2
  • 50% Concession in applicable Processing Fee for borrowers / units with CMR 3 and CMR-4
  • 25 % Concession in applicable Processing Fee for borrowers / units with CMR 5 and CMR-6 and Unrated.

Scope & Potential areas for Scheme

Unique features of the Scheme: -

  • Implemented with cluster based approach throughout the India.
  • To attract the existing / new Agro & food processing units & Agri Infrastructure Project
  • Maximum Loan amount is up to Rs.100 Cr.
  • Concessional Rate of Interest
  • Nil Processing Fee
  • Cluster wise indicative activities are identified in tune with ODOP direction from MoFPI, Govt of India & directions of DA&FW, Govt of India,
  • Zones may also focus on those projects available in the Clusters / Districts bsides the indicative list with preparation of specific Area based scheme/s to get sizable business opportunities under the captioned product.
  • The project sanction under the scheme may be eligible for availing benefits under various Govt. scheme as per respective scheme guidelines issued by State / Central Govt.
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