AHIDF LOAN पशुपालन ऋण कैसे ले पूरी जानकारी यहाँ पड़े

 Animal Husbandry loan kaise le puri jankari yaha pade

01. Online Loan Application

Properly understand information & documents required to fill Loan application form (LAF) under the Scheme. Keep all the information & documents ready before you start the application process.

 

View/Download Application form

View/Download list of required documents

scheme

02.Application Screening by Ministry

After successful submission of application ministry will do initial screening of application based on AHIDF schemes guideline. If application is found eligible, then ministry will mark the same on portal.

 

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03. Loan Approval by Lender

After application screening from ministry, lender will pick the LAF from portal. Then Lender will approve the loan after examining the project/documents submitted by applicant and completing their internal deligent process. Lender will upload sanction letter on the portal.

 

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04. Approval of Interest Subvention by Ministry

Ministry will approve Interest subvention based on the sanction letter provided by lenders and ministry will mark approval of the same on portal.

 

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05. Disbursement of Loan

After compliance of terms and conditions, mentioned in the sanction letter, lender will disburse the loan amount to the beneficiary. Further, lender will centrally make request to ministry for interest subvention.

Sr. No      Description  Action

01    Implementation guidelines of AHIDF scheme (English version)  View

02    Implementation guidelines of AHIDF scheme (Hindi version)    View

03    Addendum to Implementation Guidelines of AHIDF scheme (English version) View

04    Second Amendment in the Implementation Guidelines of AHIDF (English version)  View

05    Third Amendment in the Implementation Guidelines of AHIDF (English version)    View

06    DO Letter Seeking Information from Lenders Related to Activities Covered Under AHIDF Scheme     View

07    Implementation Guidelines 2.0 (English Version) NEW    View

08    Implementation Guidelines 2.0 (Hindi Version) NEW

GUIDE FOR OBTAINING STATUTORY CLEARENCES REQUIRED FOR THE PROJECT

polygonThe eligible entities are required to obtain necessary clearances, permits and licenses whatsoever and wherever required for implementation of the intended project under the AHIDF. The requisite expenditure, in any involved for obtaining statutory clearances shall be met by the applicants/ beneficiaries.

 

 

polygonFor obtaining statutory clearances, the beneficiary may have to approach various department/ organizations in the state government. This may create unnecessary hurdle to the beneficiary. Therefore, the State animal husbandry department shall establish the single window for facilitating the necessary statutory clearances for the project and handhold the EEs to submit the project to the bank and the department of animal husbandry & dairying, ministry of fisheries, animal husbandry and dairying. An indicative list of statutory clearances required is as under:

 

Sr. No      Name of Statute

01    Local Authority Clearances as per the State Requirements

02    No objection from the Land Authority on the lease hold or ownership of the land.

03    Consent to Establish (COE) and Consent to Operate(CO) from the State Pollution Control Board

04    Trade Licenses

05    Food Safety and Standard Authority of India

06    Water and Air Acts

07    State Electricity Board

08    MSME Registration (only for MSME companies)

09    Registration under Companies Act (only for companies)

10    Registration under Labour Act/ EPF Act

11    Any other Statutory clearances required from the respective state to establish dairy, meat processing and animal feed plant.

Standard Operating Procedures - Modalities for release of Interest Subvention

to the Banks under Animal Husbandry Infrastructure Development Fund

(AHIDF)

1. Background of AHIDF:

 Under the Prime Minister’s AtmaNirbhar Bharat Abhiyan stimulus package

mentioned about setting up of Rs. 15000 crore Animal Husbandry Infrastructure

Development Fund (AHIDF).

Accordingly, the Cabinet in its meeting held on 24.06.2020 has approved the

establishment of Animal Husbandry Infrastructure Development Fund (AHIDF) worth

Rs. 15000/- cr to be implemented from 2020-21.

The Animal Husbandry Infrastructure Development (AHIDF) has been approved for

incentivizing investments by individual entrepreneurs, private companies, Farmers

Producers Organizations (FPOs) and Section 8 companies to establish (i) the dairy

processing and product diversification infrastructure, (ii) meat processing and

product diversification infrastructure and (iii) Animal Feed Plant and (iv) Breed

Improvement Technology and Breed Multiplication Farm.

The scheduled banks in the list of RBI will extend loan up to 90% to the Eligible

Entities for the establishment of dairy processing, meat processing and value

addition infrastructure and also for establishment of animal feed plant. The funding

will be made by these banks from their own resources. The Eligible entities will

arrange for Margin Money as prescribed in the scheme guidelines. Detailed

guidelines has been issued and circulated amongst the banks.

2.Interest subvention:

All the eligible entity under the AHIDF will get 3% interest subvention under AHIDF

scheme. Department of Animal Husbandry and Dairying (DAHD) shall act as an

administrative Department for implementing the AHIDF. The interest subvention will

be transferred by the Department of Animal Husbandry and Dairying, Ministry of

Fisheries, Animal Husbandry and Dairying directly to the Lending Bank to the

dedicated account or any other account indicated by the Lending bank. On receipt of

the interest subvention the lending bank shall transfer the subvention amount to the

Eligible Entities.

3. Rate of Interest:

 The rate of interest to be fixed by lenders should not exceed 200 basis

points plus External Benchmark Lending Rate (EBLR) for the eligible

entities whose project is falling within MSME defined ceilings.

 However, the rate of interest to be fixed by lenders for other project could

be based on commercial interest rate of the lenders or as decided by the

banks based on the credibility of the Eligible Entities.

4. Loan Amount

The Eligible Entities are entitle to get loan up to the 90% of a project for capital cost,

plant and machinery. However, loan does not cover working capital loan or recurring

expenditure and land purchase, lease and hiring. Interest subvention will not be

allowed for the loan sanctioned for procurement of land, working capital, old

machineries and vehicle for personal use.

5. Credit Guranatee:

Rs 750 cr credit guarantee fund trust has been established by NABARD . The Credit

Guarantee Fund Trust is managed by the NABSanrakshan Trustee Private Limited

which is a 100% subsidiary to the NABARD. The Fund Trust is located at NABARD

Headquarter, Bandra Kurla Complex, Worli Mumbai. The Credit Guarantee Trust will

be managed over a period of 10 years.

The Credit Guarantee will be provided to those projects that are covered under

MSME ceilings and the beneficiary is falling under MSME category. The Credit

Guarantee will cover 25% of the total borrowings.

Detailed Credit Guarantee guidelines has been issued and is available with the

Credit Guarantee Fund Trust and NABARD. In this regard, the Bank may contact Mr.

Pankaj Kumar, Chief Executive Officer, NABSanrakshan Trustee Private Limited

(Building Trust for Rural Prosperity, Plot No. C-24, 'G' Block, Bandra-Kurla Complex,

Bandra (E), Mumbai – 400051, Ph: +91 22 2653 9410 Email:

o@nabsanrakshan.org)

6. Operational Procedure by the Banks:

(a) All the Eligible Entities shall submit the application by uploading all the

documents in the AHIDF portal at www.ahidf.udyamimitra.in selecting the

preferred lender and branch.

(b) After filing the application, the Department of Animal Husbandry and Dairying

will carry out initial screening called as LAF screening. The LAF screening has

three options (i) Eligible (ii) Returned to the applicant (iii) Rejection of the

application.

(c) After the LAF screening by the DAHD, for eligibility under the AHIDF,

applications will be moved to Lending Bank Branch. The Lending Bank

Branch will be eligible or processing the application as per the Bank norms

and procedure.

(d) It is desirable that decision on the Loan Application shall be completed within

30 days after the application is made eligible.

(e) If the bank is not able to sanction the loan or reject the application the same

has to be intimated to the DAHD.

(f) After sanctioning of the loan, the Lender shall mark the application seeking

interest subvention by uploading loan sanction order along with the

calculation of interest subvention amount for a particular year or for total

tenure (year on year or quarterly basis) on Udyamimitra portal under AHIDF

module.

(g) Lender shall also upload the appraisal note for appraising the project at the

time of sanction the loan.

(h) On receipt of the request for interest subvention, the DAHD will scrutinize the

application, evaluate and appraise the proposal for sanction by the Project

Approval Committee (PAC) chaired by Joint Secretary for the projects up to

Rs. 50 crore.

(i) However, the projects which are above Rs. 50 crore, the same will be

sanctioned by the Project Sanctioning Committee headed by Secretary

(Animal Husbandry and Dairying) after the recommendation of the Project

Approval Committee.

(j) After approval for grant of Interest subvention of the projects up to Rs 50

crore, the DAHD will upload the sanction order in the www. ahidf

udyamimitra.in portal thereafter, the bank may start disbursement of loan

instalments.

(k) For the projects above Rs 50.00 crore, PAC shall recommend the project to

the Project Sanctioning Committee(PSC), chaired by Secretary, Department

of Animal Husbandry & Dairying, GOI after screening and evaluation of

projects. These sanctions of these applications will be uploaded after the

approval of the Project Sanctioning Committee.

(l) In the project Approval Committee and Project Sanctioning Committee, the

representative from the Banks need to be present. Therefore, the Bank need

to intimate their nodal officer name in the following proforma:

For the proposals recommended to PAC For the proposals recommended to

PSC

Representative from the Concerned Bank

Representative of participating Banks

not less than Deputy Managing

Director/ CGM

Name Designation

Contact Number Email ID

Name Designation

Contact Number Email ID

7. Transfer of interest subvention amount from DAHD to the Lender

 The interest subvention amount so calculated by the banks, will be remitted to

the account of the lending bank not to the lending bank branch.

 The Lending Bank need to intimate the account number or subsidy account

number wherein the interest subvention amount to be transferred.

 The interest subvention amount for the first year will be transferred upfront.

From the second year the bank need to claim the interest subvention amount

from the DAHD through Portal when the entities start paying the interest to the

bank and the entity does not classify as NPS. In any case, the defaulter of

repayment of interest and loan amount should not be eligible for getting

interest subvention for the said year.

 Therefore, it is desirable that the bank shall main all records and calculations

with regard to entities regarding repayment and also the progress of the

project.

 Any excess payment of interest subvention by the DAHD shall be adjusted in

the subsequent year.

 The interest is chargeable on the principal amount of loan for the moratorium

period also.

 The interest subvention amount will be transferred through PFMS system.

Therefore, the scheduled bank need to map the account with PFMS where

the interest subvention will be transferred.

 For claiming the interest subvention the bank should submit the account

details in the following format

Name of the Bank

Account Number

Type of Account

Address of the Branch where

the account is exist

IFSC Code

Unique ID in PFMS (if any)

Note: If the account number is already mapped with PFMS for other

Government scheme, the same account may be used provided that the

account has not been issued in any personal name. In that case the bank

need to map that account with the AHIDF scheme by accepting the scheme

when the intimation is sent through the PFMS by the DAHD through PFMS

system.

Note: the interest subvention will be released depending on the availability of

budget in the Department

8. Credit Guarantee:

 The Bank need to indicate in the portal whether the project is eligible under Credit

Guarantee and also the status of MSME Registration of the applicant.

9. Verification of End Use of funds:

Following documents/ information would be treated as Utilization Certificate of the

Fund released in respect of Interest Subvention:

a. Receipt of funds by the scheduled banks

b. Subsequently, when lenders have settled all the claims to borrower, an email

confirmation is required to DAHD for extending the interest subvention benefit to

respective applicant.

Grievance Redressal:

In case of any query / grievance, Lenders may contact following ministry officials:

1. Dr. O.P. Chaudhary, Joint Secretary P: 01123387804, email: jspf-dadf@nic.in

2. Dr. Sujit Kumar Dutta, Joint Commissioner, Ph: 011 21401454 email:

sk.dutta@nic.in

3. Dr. Lipi Sairiwal,