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Agri Joint Liability Group

Loans for income generation and social development

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YES Joint Liability Group (JLG) is the Bank’s latest initiative to provide banking services to the bottom of the pyramid in rural, semi-urban and urban India. The initiative is based on the Joint Liability Group methodology where in the term loans provided to individual members of a JLG is provided for income generation and achieving social development.

The Bank provides direct financing, in partnership with other institutions such as NBFC microfinance institutions that have a wide network in India to reach to the most needy and financially excluded segments.

key attractions

YES JOINT LIABILITY GROUP

This group is the Bank’s latest initiative to provide banking services to the bottom of the pyramid in rural, semi-urban and urban India.

DIRECT FINANCINGS

The Bank provides direct financing, in partnership with other institutions.

features and benefits

REACH

More than 60 agri-commodities financed across 97 locations pan India

QUICK SANCTION

Speedy loan sanction within 1 day for cases up to Rs 2cr

CREDIT FACILITY

Longer tenure of Credit facility extending up to 11 months based on commodity shelf life

Prompt Customer Service

Prompt customer services through our specialized officers at each location

DOCUMENTATION PROCESS

Simpler assessment and faster TAT

Other Benefits

View are other hosts of benefits

  • Ideal for Farmers, Agri intermediaries, Processors, who are owners of Agriculture Commodities.

  • Helps avoid distress sales, neutralizes the seasonality in commodity prices

  • Facilitates better income for farmers by enhancing their holding capacity through timely availability of credit facility.

  • Quick loan processing and disbursement with minimal documentation

  • Attractive Rates of Interest

  • Loan available for commodities kept at both private and government warehouses in the safe custody of professional Collateral Managers

  • Speedy release of commodities after repayment of loan

 

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