It is a method of irrigation in which the required quantity of water is supplied at low pressure to the root Zone of each plant drop by drop by drippers / emitters through a network of pipes so that the plants would not experience any stress through growing phase.
Why Drip Irrigation
Drip irrigation is a boon to the farmers in arid and semi arid areas where water is scarce. Main advantages of drip are
Drip irrigation is a boon to the farmers in arid and semi arid areas where water is scarce. Main advantages of drip are
- water saving 50-70%
- saving of labour and energy 60-90%
- use of low quality water
- Increase in yield 15-50%
- saving of nutrients 30-60%
- use in hilly terrain / problem soils
The system can be used for all plants. However it is ideal for wide spaced high value Horticultural crops viz.coconut, plantation crops, fruit crops, medicinal plants, spices, flower plants etc.,
Components of drip system
Water supply pump, filters, fertiliser mixing tank, control system, main and submain lines,laterals, micro-tubes, drippers
Unit Cost
As approved by NABARD for various crops
Subsidy
Capital subsidy on Drip irrigation equipments enhanced to 50% for all farmers and 100 % for SC/STs and Horticulture crops in Bijapur Districts
Repayment
- 10-15 years with a grace period of 11 months in case of yielding plantations
- In case of new plantations grace period up to the period of maturity / yielding
- for crops like sugarcane 7 years coinciding with harvesting / marketing
In sprinkler irrigation system water is sprayed into the air and allowed to fall on the ground / plant surface resembling that of rainfall and the water is applied nearly uniformly at a rate to suit the infiltration rate of soil
Advantages- Saving of water 30-50% depending on soil / crop
- Saving in land leveling expenses (any undulated / slopy areas can be irrigated
- Saving in cultivation expenses (preparation of land for irrigation channels/bunds). Sprinklers can be moved from one point to another point
- Saving in labour
- Application of fertilizer (water soluble)
- Initial cost will be more (but overall income will be more compared to surface irrigation)
- Considerable loss of moisture through evaporation from soil surface
Though this system can be used for all crops it is ideal for closely spaced crops viz. Maize, Vegetables, Sugarcane, Chillies and Plantation crops viz.Coffee/Tea and Cardamom estates and nurseries. Micro-Spray Jets are used in green houses particularly for floricultural propagation
Cost of the Scheme
As per unit cost approved by NABARD
Subsidy
50% for all farmers and 100% for SC/STs and Horticultural crops in Bijapur Districts as announced by the Government of Karnataka State budget 2003-2004
Repayment
-
10-15 years with a start up period of 11 months
-
In case of new plantations grace period may be allowed upto the year of maturity
Mechanisation of farming has been considered as one of the important inputs in farming, to complete the farm operations on time and to increase production and reduce the drudgery of human labour. With the rapid advancement in agriculture, there has been an increased use of farm machanisation equipments like Tractors and Power Tillers which help us tiding over the labour problem for Agriculture
We have been assisting the farmers for purchase of Tractors / Power tillers etc. However, with a view to enhance our lending under Farm Mechanisation, our Bank has entered into an MOU with the following
Tractor manufacturing Companies
a) M/S Escortsb) M/S HMT Limited
c) M/S TAFE
d) M/S Swaraj
e) M/S New Holland Tractor (Ford)
f) M/S SAME Tractors
g) M/S International Tractors Limited (Sonalika)
h) M/S Eicher Tractors
i) M/S L&T John Deere private Limited
j) M/S Bajaj tempo Limited
k) M/S Mahindra Gujarat Tractor
l) M/S Mahindra and Mahindra Limited
m)M/S Standard Combines (P) Ltd
n) M/S Indo Farm Tractors
o) M/S SAS Motors ltd., (Angad Tractors)
p) M/S Preet Tractors (p) Ltd
POWER TILLER COMPANIES
a) M/S Greaves Cotton Limited
b) M/S Bengal Tools Limited
Norms for financing of Tractors
Acreage
The borrower should possess a minimum of 4 acres of wet land or 6 acres of dry land to ensure viability of the medium term loan to be extended for the purpose. Tractor finance to farmers who are having lesser land holdings than stipulated can also be considered on a case to case basis provided the applicant is having sufficient income from other sources to service the debt.
Economic use of Tractor
The tractor should have a minimum of 1000 hrs production work in agri. per year either on own farm or on custom hire or both
Minimum 3 implements should be owned by the beneficiary (either with bank finance or purchased with own funds)
The Tractor financed should have the necessary commercial test report as per BIS code issued by CFMTTI (Central Farm Machinery Training and Testing Institute), Budni, Madhya Pradesh
Margin Money
Down payment in respect of farm mechanization loan for new tractors will be not less than 10% of the investment cost in case of tractors and implements
Rate of interest
11.50% pa irrespective of the limit
Repayment Period
Maximum 9 years
Registration of the tractor
The tractor should be registered with the concerned Regional Transport Authority
Insurance
Comprehensive Insurance cover should be obtained in respect of the assets acquired. Premium for first year will be paid by the concerned Company dealers
Selection of Tractors
Bank may consider financing of tractors on the basis of viability of individual proposals but the choice and selection of such tractors may be left to the choice of individual beneficiaries
Security
As per Bank’s norms
(a) Hypothecation of Tractors
(b) Equitable Mortgage of lands
SWARNA MITRA SCHEME
The salient features of the scheme are presented below:
Scheme to provide easy loans to meet their immediate agricultural requirement
Loans against pledge of Gold Ornaments
Rate of interest as applicable to agricultural cash Credits
Repayment coinciding with the harvesting season
Advance amount Rs. 650/- per gram, subject to a maximum of
Rs 5 lacs per borrower
MY KRISHIGEN
The salient features of the scheme are presented below:
A scheme to have adequate power supply whenever it is needed
To purchase Generator sets
To all farmers in AEZ, Rural and semi-urban areas
|
Unit Cost
|
|
| For 7.5 KVA |
Rs.40000/-
|
| For 10 KVA |
Rs.50000/-
|
Margin: 10%
Period: 3 years
Repayment:
In 10 quarterly instalments with a startup period of 6 months
The salient features of the scheme are presented below:
For farmers in Agricultural Export Zones
Scale of finance Rs. 19775/- per acre
It is a short duration crop of 70 days
Advance can be considered under KCC and repayment can be fixed according to harvesting season
Can be advanced in Tumkur, Bangalore (Urban and rural), Hassan, Kolar, Chitradurga, Dharwad and Bagalkot districts
For farmers in Agricultural Export Zones
Scale of finance Rs. 19775/- per acre
It is a short duration crop of 70 days
Advance can be considered under KCC and repayment can be fixed according to harvesting season
Can be advanced in Tumkur, Bangalore (Urban and rural), Hassan, Kolar, Chitradurga, Dharwad and Bagalkot districts
Chief Manager
State Bank of Mysore
Agricultural Banking Department
H .O.: K.G.Road, Bangalore - 560254, INDIA
Phone: 91 80 22353901 to 22353909 ; 22353473.extn.375;22353460
Fax: 91 80 22283684
email:
This e-mail address is being protected from spambots. You need JavaScript enabled to view it
