Business, & agriculture finance

Finance to Self Help Group ()

Corpus-based finance for members' social needs, debt swapping, housing, sanitation and sustainable livelihoods.

Facility amountUp to ₹20 lakh based on the Self Help Group corpus Interest rateGeneral SHG pricing is 1-year MCLR + 5.00%; with 1-year MCLR at 8.70%, the indicated rate is 13.70% p.a. The same table also lists tiered SHG/KCC rows, so the applicable rate depends on the selected SHG facility.Customer typeSelf Help Groups maintaining the required Panchasutras

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✓ Manually checked 4 Sept 2026 · active

Offered byState Bank of India

India

Key facts

What the official sources publish

Every value belongs to this exact product. Expand any fact to inspect its official evidence in place.

Facility amountUp to ₹20 lakh based on the Self Help Group corpusEffective 30 Apr 2025View source

Finance up to Rs.20.00 lakhs based on the Corpus of the .

Source: Bouquet of Products and Services — Version 3.0 (Agriculture loan section)
Page / section: Printed page 33 / physical page 40 — Finance to Self Help Group
Accessed: 10 Sept 2026
Confidence: high

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MarginNil up to ₹10 lakh; minimum 10% above ₹10 lakhView source

Loans up to Rs 10 lakh - Nil; loan above Rs 10 lakh - Min 10%.

Source: Bouquet of Products & Services
Page / section: Printed page 33 / physical page 40 — finance
Accessed: 4 Sept 2026
Confidence: high

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EligibilitySelf Help Group with maintenance of Panchasutras; finance may meet social needs, high-cost debt swapping, house/toilet construction and sustainable livelihoodsView source

Maintenance of Panchasutras mandatory for finance.

Source: Bouquet of Products & Services
Page / section: Printed page 33 / physical page 40 — finance
Accessed: 4 Sept 2026
Confidence: high

Open official source ↗

Published agriculture-product termsThe complete product panel and table are preserved in the shared agriculture booklet table bundle below; see each product row for amount, eligibility, purpose and tenure.View source

All remaining agriculture product panels are transcribed in the complete table bundle.

Source: Bouquet of Products & Services
Page / section: Printed pages 34–37 / physical pages 41–44
Accessed: 4 Sept 2026
Confidence: high

Open official source ↗

Interest rateGeneral SHG pricing is 1-year MCLR + 5.00%; with 1-year MCLR at 8.70%, the indicated rate is 13.70% p.a. The same table also lists tiered SHG/KCC rows, so the applicable rate depends on the selected SHG facility.Effective 15 Aug 2026View source

MC-ACC-GEN- and MC-ATL-GEN- are shown at 1 Year + 5; additional tiered rows are separately listed.

Source: Agriculture Segment Interest Structure as on 15 August 2026
Page / section: Page 5 / product codes 48–49 — general
Accessed: 6 Sept 2026
Confidence: high

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Geographic limitsIndiaView source

The manually reviewed product record states: “India”.

Source: Finance to Self Help Group () — official product page
Page / section: Published product metadata
Accessed: 4 Sept 2026
Confidence: high

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Customer typeSelf Help Groups maintaining the required PanchasutrasView source

The manually reviewed product record states: “Self Help Groups maintaining the required Panchasutras”.

Source: Finance to Self Help Group () — official product page
Page / section: Published product metadata
Accessed: 4 Sept 2026
Confidence: high

Open official source ↗

Benefits and features

Finance up to ₹20 lakh
No collateral margin up to ₹10 lakh; minimum 10% margin above ₹10 lakh

Eligibility

Maintenance of Panchasutras is mandatory for finance.

Passing a listed condition does not mean the bank will approve an application.

Documents the bank lists

corpus, Panchasutra records, and activity documents

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Amount you want to borrowThe money you would receive from the lender.₹twenty-five lakh rupees₹50,000₹2,00,00,000Yearly interest rateThe percentage charged on the outstanding loan each year.%2%30%Time to repayA longer time usually lowers the monthly payment but raises total interest. months6 months360 months

One monthly payment₹16,499sixteen thousand four hundred ninety-nine rupees

Interest paid over the full loan₹14,59,734fourteen lakh fifty-nine thousand seven hundred thirty-four rupees

Everything you repay₹39,59,734thirty-nine lakh fifty-nine thousand seven hundred thirty-four rupees

This is only an estimate, not a bank or insurer offer. The final amount can change because of taxes, fees, rate changes and provider rules.

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Finance to Self Help Group () · Purpose / eligibility corpus-based finance; Panchasutras mandatory; social needs, debt swap, housing, toilets and sustainable livelihoods

This value is copied from Historical agriculture product booklet — complete transcription. Check the table notes before relying on it.

Source: Bouquet of Products & Services — Agriculture: Loan Products · Printed pages 34–37 / physical pages 41–44 Open official source ↗

Published tables

Complete rates, limits and schedules

Tables preserve every reviewed row and column from the cited official source.

Table 1 · 12 rows · 4 columnsHistorical SBI agriculture product booklet — complete transcriptionHistorical transcription of every agriculture product panel and warehouse-receipt table from printed pages 34–37 (physical PDF pages 41–44); this is not a current product schedule. In particular, the booklet's ABAL overdraft row is superseded by SBI's current ABAL page, which describes an Agricultural Term Loan of ₹3,00,001–₹50 lakh. See the separate current ABAL terms table for live terms.View tableHide table

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Historical SBI agriculture product booklet — complete transcription
Product	Purpose / eligibility	Amount or limit	Tenure / margin / other published terms
Finance to Self Help Group ()	corpus-based finance; Panchasutras mandatory; social needs, debt swap, housing, toilets and sustainable livelihoods	Up to ₹20 lakh	No collateral margin up to ₹10 lakh; minimum 10% margin above ₹10 lakh
Svayam Siddha Initiative	Individual women members of mature credit-linked with and sponsored by SRLM/NRLM; 28 common /Agri- activities	Up to ₹10 lakh; simplified procedure up to ₹5 lakh	Other activities ₹80,000–₹10 lakh follow regular procedure; 2% interest subvention for prompt women borrowers on ₹1.50 lakh outstanding for max 3 years
Agriculture Infrastructure Fund ()	Farmers, agri entrepreneurs, start-ups, agencies/APMCs, cooperatives, PACS, , and ; post-harvest/processing/storage	Interest-subvention limit ₹2 crore	3% p.a. subvention for max 7 years; cover up to ₹2 crore; NABSanrakshan cover up to ₹2 crore for
Kisan Credit Card ()	Owner cultivators, tenant farmers, oral lessees, sharecroppers, and ; cultivation, post-harvest, household consumption, farm assets and allied activities	Need-based by crop, acreage and Scale of Finance; 10% annual step-up through year 5	Short crops 12 months; long crops 18 months; five-year validity subject to annual review; 3% prompt-repayment incentive
Animal Husbandry Infrastructure Development Fund ()	Dairy/meat processing and animal-feed manufacturing; , companies, individuals, Section 8 companies, and dairy cooperatives	Credit guarantee under up to ₹5 crore; NABSanrakshan up to ₹25 crore for	3% interest subvention for regular repayment, up to 8 years including moratorium; apply via Udyami Mitra
Warehouse Receipt Financing — Agri	Post-harvest finance against WDRA-registered warehouse receipts or approved collateral-manager receipts	Minimum ₹1 lakh; individuals// up to ₹2 crore; /cooperatives/PACS/agro-food units up to ₹10 crore	Maximum 12 months, but one month before commodity shelf life (12-month shelf life → 11-month term; 3-month shelf life → 2-month term); processing fee and collateral waived for e-NWR/approved-manager WHR
Asset Backed Agriculture Loan (ABAL)	Traditional, modern farm and farm-related activities; short-term production and investment credit	Maximum overdraft ₹2 crore per borrower	Loan secured by SARFAESI-compliant immovable property
Loan — Agri Allied Activities	Individuals, sole proprietorships, partnerships (excluding corporate bodies/institutions), and ; dairy, poultry, fisheries, sericulture, piggery, sheep/goat rearing, beekeeping and mushroom cultivation	Collateral-free loans up to ₹20 lakh; cover available	Overdraft and dropline overdraft facilities
Tractor Loan	Individual farmer with minimum 2-acre agricultural land holding; up to two co-applicants; tractor, accessories, insurance and registration	₹2 lakh–₹25 lakh	Term loan; up to 5 years with half-yearly instalments; 25% margin
Fishing / Processing	Composite fish culture, prawns/shrimp, boats and pond construction/deepening/widening/desilting; individuals, proprietorships, partnerships, , companies, cooperatives, /	₹2 lakh–₹50 crore	Maximum 7 years including 12-month moratorium
Poultry / Processing	Broiler, egg, pullet and breeder production; equipment, feed, medicines, sheds, borewells, insurance, expansion and mechanisation; farmers//, corporates, /, companies, partnerships and cooperatives	₹1 lakh–₹25 crore	Repayable in 120 months including 9-month moratorium
Dairy / Processing	Milch cattle, plant/machinery, sheds, land development, infrastructure and dairy processing; farmers, /, corporates, , partnerships and cooperatives	Not published in the panel	5 years for dairy farm; up to 10 years for processing; moratorium up to 3 months for dairy and 18 months for processing

Rows reproduce every product and numeric term shown on printed pages 34–37. Amounts, margins and periods are not inferred where the panel is silent.
Historical source only. The ABAL row's overdraft amount is superseded: current named ABAL page describes a ₹3,00,001–₹50 lakh Agricultural Term Loan. Do not present the booklet row as current ABAL terms.

Bouquet of Products & Services — Agriculture: Loan Products · Printed pages 34–37 / physical pages 41–44 · accessed 4 Sept 2026Open official source ↗

Table 2 · 14 rows · 5 columnsSBI agriculture products — current rate-sheet matchesProduct-code rows matched to the SBI Agriculture Segment Interest Structure. Indicative rates add the published spread to the PDF's current benchmark base and remain subject to the product's eligibility, risk, concession and subvention terms.View tableHide table

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SBI agriculture products — current rate-sheet matches
Product	product-code row	Benchmark and spread	Indicative rate using published base	Published qualification
Kisan Samriddhi Rin	45 KSR	1-year + 180 bps	10.50% p.a. (8.70% + 1.80%)	Before applicable concessions/other pricing terms
Agri & Food Enterprises Loan	2 / 23–24	; working-capital row + 200 bps	7.90% + + ; 9.90% before / for +200-bps row	Term-loan and working-capital rows differ
Agriculture Gold Loan	CROP 33 Gold Loan	1-year + 325 bps	11.95% p.a.	Before applicable subvention/concessions
PMFME	2 EB-TL-AGR- FME	+ 200 bps	9.90% before /	printed as 7.90% + +
Agriculture Infrastructure Fund	4 MC-ATL Agri Infra Fund	6-month + 100 bps	9.60% p.a.	Separate 3% interest-subvention terms preserved
Kisan Credit Card	MC-Revised	1-year + 325 bps	11.95% p.a.	7% subvention note appears for eligible bands
	3 EB-TL-AGR-	+ 200 bps	9.90% before /	Separate 3% subvention terms preserved
Warehouse Receipt Finance	CROP 36–39	+ 25/50/40/65 bps by receipt and tenor	8.15% / 8.40% / 8.30% / 8.55%	Six- and twelve-month variants
Tractor Loan	5 MC-New Tractor Loan	1-year + 435/400/360 bps by collateral	13.05% / 12.70% / 12.30%	Collateral value controls spread
Fishing / Processing	16 MC-ATL Fishing Processing	1-year + 360 bps	12.30% p.a.	Before applicable adjustments
Poultry / Processing	15 MC-ATL Poultry Processing	1-year + 200 bps	10.70% p.a.	Before applicable adjustments
Dairy / Processing	18–19	1-year + 360/40 bps	12.30% / 9.10%	Dairy and corporate-tie-up rows differ
Finance	48–49	1-year + 500 bps	13.70% p.a.	Tiered rows are also published
Svayam Siddha	50–51	+ 250 bps () / 1-year + 300 bps (agri)	10.40% / 11.70%	Activity determines formula

benchmark columns: 7.90% + + and as on 15.08.2026; 1-year 8.70% and 6-month 8.60%.
Indicative rates are arithmetic reference values, not a promise of sanction pricing.
Rows without an unambiguous canonical product match were not assigned to a product.

Agriculture Segment Interest Structure as on 15 August 2026 · All six pages; Agriculture Business — Interest Rates on Loans & Advances · effective 15 Aug 2026 · accessed 6 Sept 2026Open official source ↗

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Finance to Self Help Group (SHG)

What the official sources publish

Benefits and features

Eligibility

Documents the bank lists

Related official documents

Try the numbers

Loan repayment estimate

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Complete rates, limits and schedules

Related products

Asset Backed Agriculture Loan (ABAL)

ABL (Saral)

Agri Clinic and Agri Business Centres Loan

Agri & Food Enterprises Loan (AFEL)

Finance to Self Help Group ()