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Svayam Siddha Initiative

Simplified finance for women members undertaking common and Agri- activities.

Facility amountUp to ₹10 lakh; simplified procedure up to ₹5 lakh for 28 common activitiesInterest rateSvayam Siddha rates vary by activity: EBR + 2.50% for SME activities and 1-year MCLR + 3.00% for agriculture activities. Using the sheet's 7.90% EBLR reference and 8.70% 1-year MCLR, the indicated rates are 10.40% and 11.70% p.a. respectively.Customer typeIndividual women members of mature SHGs credit-linked with SBI and sponsored by SRLM/NRLM
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Svayam Siddha Initiative

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Answer what you know. This guide compares your answers with the criteria published for this product; it is not an approval decision. Your answers stay on this device.

1Do you meet this requirement: Individual female members of mature SHGs credit-linked with SBI and sponsored by SRLM or NRLM?

Published source: Eligibility

2Do you meet this requirement: Individual women members of mature SHGs credit-linked with SBI and sponsored by SRLM/NRLM?

Published source: Customer type

3Do you meet this requirement: Application and post-disbursement invoices?

Published source: Required documents

4Do you meet this requirement: activity licences/registration and Udyam Assist where applicable?

Published source: Required documents

5Do you meet this requirement: photographs?

Published source: Required documents

6Document checkDo you have this required document or proof: SHG linkage, sponsorship, KYC and activity documents?

Published source: Required documents

7Document checkDo you have this required document or proof: residence, identity and address proof?

Published source: Required documents

8Document checkDo you have at least one of these required documents: the last six months' bank statement or passbook?

Published source: Required documents
0 of 8 answeredAnswer the remaining questions to see your checklist result.
✓ Manually checked 14 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 ₹10 lakh; simplified procedure up to ₹5 lakh for 28 common activitiesEffective 30 Apr 2025View source
Maximum limit up to Rs.10 lakhs; simplified procedure up to loan limit Rs.5 lakhs for 28 common activities.
Source
Bouquet of Products and Services — Version 3.0 (Agriculture loan section)
Page / section
Printed page 33 / physical page 40 — Svayam Siddha
Accessed
10 Sept 2026
Confidence
high
Open official source ↗
Interest rateSvayam Siddha rates vary by activity: EBR + 2.50% for SME activities and 1-year MCLR + 3.00% for agriculture activities. Using the sheet's 7.90% EBLR reference and 8.70% 1-year MCLR, the indicated rates are 10.40% and 11.70% p.a. respectively.Effective 15 Aug 2026View source
Svayam Siddha Activities are + 250 bps; Svayam Siddha Agri Activities are 1-year + 300 bps.
Source
Agriculture Segment Interest Structure as on 15 August 2026
Page / section
Pages 5–6 / product codes 50–51 — Svayam Siddha
Accessed
6 Sept 2026
Confidence
high
Open official source ↗
EligibilityIndividual female members of mature SHGs credit-linked with SBI and sponsored by SRLM or NRLMView source
Individual female members of matured which are credit linked with and sponsored by SRLM / NRLM.
Source
Bouquet of Products & Services
Page / section
Printed page 33 / physical page 40 — Svayam Siddha
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 ↗
Geographic limitsIndiaView source
The manually reviewed product record states: “India”.
Source
Svayam Siddha Initiative — official product page
Page / section
Published product metadata
Accessed
4 Sept 2026
Confidence
high
Open official source ↗
Customer typeIndividual women members of mature SHGs credit-linked with SBI and sponsored by SRLM/NRLMView source
The manually reviewed product record states: “Individual women members of mature credit-linked with and sponsored by SRLM/NRLM”.
Source
Svayam Siddha Initiative — official product page
Page / section
Published product metadata
Accessed
4 Sept 2026
Confidence
high
Open official source ↗
Facility typeThe scheme offers term-loan, cash-credit and overdraft facilities.Effective 5 Feb 2026View source
The Nature of Facility section lists term loan, cash credit and overdraft facilities.
Source
Svayam Siddha Initiative — official product page
Page / section
Nature of Facility
Accessed
14 Sept 2026
Confidence
high
Open official source ↗
Margin20% margin is required.Effective 5 Feb 2026View source
The current official page states margin of 20%.
Source
Svayam Siddha Initiative — official product page
Page / section
Margin
Accessed
14 Sept 2026
Confidence
high
Open official source ↗
Moratorium and tenureTerm loans have a maximum moratorium of 6 months; the current official page does not publish a separate total repayment tenure.Effective 5 Feb 2026View source
The page publishes a maximum six-month moratorium for term loans and does not state a total repayment tenure.
Source
Svayam Siddha Initiative — official product page
Page / section
Moratorium
Accessed
14 Sept 2026
Confidence
high
Open official source ↗
Collateral and securityPrimary security is hypothecation of assets created from bank finance. Collateral security is Nil, and CGFMU cover is mandatory wherever applicable.Effective 5 Feb 2026View source
The Security section states primary hypothecation, nil collateral security and mandatory cover wherever applicable.
Source
Svayam Siddha Initiative — official product page
Page / section
Security
Accessed
14 Sept 2026
Confidence
high
Open official source ↗
Required documentsApplication and post-disbursement invoices; residence, identity and address proof; activity licences/registration and Udyam Assist where applicable; the last six months' bank statement or passbook; photographs; SHG and SRLM/NRLM sponsorship details; IBA application form; property declaration; project report and financial projections; ITRs where required by the activity or loan amount.Effective 5 Feb 2026View source
The Documents Required section lists application, , activity, account-history, , sponsorship, project and income-tax records, plus post-disbursement invoices.
Source
Svayam Siddha Initiative — official product page
Page / section
Documents Required
Accessed
14 Sept 2026
Confidence
high
Open official source ↗
Interest subventionPrompt-repayment women borrowers receive 2% interest subvention on ₹1.50 lakh outstanding for a maximum of 3 years.Effective 5 Feb 2026View source
The current page states 2% interest subvention for prompt women borrowers on ₹1.50 lakh outstanding for a maximum of 3 years.
Source
Svayam Siddha Initiative — official product page
Page / section
Interest Subvention
Accessed
14 Sept 2026
Confidence
high
Open official source ↗

Benefits and features

  • Maximum limit ₹10 lakh
  • Simplified procedure up to ₹5 lakh
  • 2% interest subvention for prompt repayment on ₹1.50 lakh outstanding for up to 3 years

Eligibility

  • Mature must be credit-linked with and sponsored by SRLM/NRLM.

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

Documents the bank lists

  • linkage, sponsorship, and activity documents

Related official documents

SBI Bouquet of Products & Services — Agriculture: Loan Productsofficial-pdf · current · accessed 4 Sept 2026
↗
SBI Agriculture Segment Interest Structure as on 15 August 2026official-pdf · current · accessed 6 Sept 2026
↗
SBI Bouquet of Products and Services v3.0 — agriculture loan productsofficial-pdf · historical-reference · accessed 24 Sept 2026
↗
Svayam Siddha Initiative — official SBI product pageofficial-product-page · current · accessed 14 Sept 2026
↗

Plan before applying

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Loan repayment estimate

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One monthly payment₹13,248thirteen thousand two hundred forty-eight rupees
Interest paid over the full loan₹6,79,417six lakh seventy-nine thousand four hundred seventeen rupees
Everything you repay₹31,79,417thirty-one lakh seventy-nine thousand four hundred seventeen 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.

Use the published table

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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
ProductPurpose / eligibilityAmount or limitTenure / margin / other published terms
Finance to Self Help Group () corpus-based finance; Panchasutras mandatory; social needs, debt swap, housing, toilets and sustainable livelihoodsUp to ₹20 lakhNo collateral margin up to ₹10 lakh; minimum 10% margin above ₹10 lakh
Svayam Siddha InitiativeIndividual women members of mature credit-linked with and sponsored by SRLM/NRLM; 28 common /Agri- activitiesUp to ₹10 lakh; simplified procedure up to ₹5 lakhOther 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/storageInterest-subvention limit ₹2 crore3% 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 activitiesNeed-based by crop, acreage and Scale of Finance; 10% annual step-up through year 5Short 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 cooperativesCredit 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 — AgriPost-harvest finance against WDRA-registered warehouse receipts or approved collateral-manager receiptsMinimum ₹1 lakh; individuals// up to ₹2 crore; /cooperatives/PACS/agro-food units up to ₹10 croreMaximum 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 creditMaximum overdraft ₹2 crore per borrowerLoan secured by SARFAESI-compliant immovable property
Loan — Agri Allied ActivitiesIndividuals, sole proprietorships, partnerships (excluding corporate bodies/institutions), and ; dairy, poultry, fisheries, sericulture, piggery, sheep/goat rearing, beekeeping and mushroom cultivationCollateral-free loans up to ₹20 lakh; cover availableOverdraft and dropline overdraft facilities
Tractor LoanIndividual farmer with minimum 2-acre agricultural land holding; up to two co-applicants; tractor, accessories, insurance and registration₹2 lakh–₹25 lakhTerm loan; up to 5 years with half-yearly instalments; 25% margin
Fishing / ProcessingComposite fish culture, prawns/shrimp, boats and pond construction/deepening/widening/desilting; individuals, proprietorships, partnerships, , companies, cooperatives, /₹2 lakh–₹50 croreMaximum 7 years including 12-month moratorium
Poultry / ProcessingBroiler, egg, pullet and breeder production; equipment, feed, medicines, sheds, borewells, insurance, expansion and mechanisation; farmers//, corporates, /, companies, partnerships and cooperatives₹1 lakh–₹25 croreRepayable in 120 months including 9-month moratorium
Dairy / ProcessingMilch cattle, plant/machinery, sheds, land development, infrastructure and dairy processing; farmers, /, corporates, , partnerships and cooperativesNot published in the panel5 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 rowBenchmark and spreadIndicative rate using published basePublished qualification
Kisan Samriddhi Rin45 KSR1-year + 180 bps10.50% p.a. (8.70% + 1.80%)Before applicable concessions/other pricing terms
Agri & Food Enterprises Loan2 / 23–24; working-capital row + 200 bps7.90% + + ; 9.90% before / for +200-bps rowTerm-loan and working-capital rows differ
Agriculture Gold LoanCROP 33 Gold Loan1-year + 325 bps11.95% p.a.Before applicable subvention/concessions
PMFME2 EB-TL-AGR- FME + 200 bps9.90% before / printed as 7.90% + +
Agriculture Infrastructure Fund4 MC-ATL Agri Infra Fund6-month + 100 bps9.60% p.a.Separate 3% interest-subvention terms preserved
Kisan Credit CardMC-Revised 1-year + 325 bps11.95% p.a.7% subvention note appears for eligible bands
3 EB-TL-AGR- + 200 bps9.90% before /Separate 3% subvention terms preserved
Warehouse Receipt FinanceCROP 36–39 + 25/50/40/65 bps by receipt and tenor8.15% / 8.40% / 8.30% / 8.55%Six- and twelve-month variants
Tractor Loan5 MC-New Tractor Loan1-year + 435/400/360 bps by collateral13.05% / 12.70% / 12.30%Collateral value controls spread
Fishing / Processing16 MC-ATL Fishing Processing1-year + 360 bps12.30% p.a.Before applicable adjustments
Poultry / Processing15 MC-ATL Poultry Processing1-year + 200 bps10.70% p.a.Before applicable adjustments
Dairy / Processing18–191-year + 360/40 bps12.30% / 9.10%Dairy and corporate-tie-up rows differ
Finance48–491-year + 500 bps13.70% p.a.Tiered rows are also published
Svayam Siddha50–51 + 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 ↗
Table 3 · 9 rows · 2 columnsSBI Svayam Siddha — published facility, document and security termsThe current official page's facility, document and security requirements, retained as a product-page table.View tableHide table

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SBI Svayam Siddha — published facility, document and security terms
TopicPublished term
Loan amount₹80,000 to ₹10 lakh; simplified procedure up to ₹5 lakh for 28 common activities
Nature of facilityTerm loan, cash credit and overdraft
Margin20%
MoratoriumMaximum 6 months for term loans
Primary securityHypothecation of assets created from bank finance
Collateral securityNil
Guarantee cover mandatory wherever applicable
DocumentsApplication, , activity licences/registration, Udyam Assist where applicable, six-month account history, photographs, and sponsorship details, IBA form, property declaration, project report/projections and where required
Interest subvention2% for prompt women borrowers on ₹1.50 lakh outstanding for maximum 3 years
  • Post-disbursement invoices are also required under the current Documents Required section.
Svayam Siddha Initiative — official product page · Loan Amount, Nature of Facility, Margin, Moratorium, Documents Required, Security and Interest Subvention · effective 5 Feb 2026 · accessed 14 Sept 2026Open official source ↗

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