Bank of Maharashtra Loan Application for Agricultural Credit Facilities
Bank of Maharashtra Loan Application for Agricultural Credit Facilities from Download
The Bank of Maharashtra Application Form for Agricultural Credit (Form F-138 New AX12) is a standardized three-page document used to capture a farmer’s operational profile for long-term or recurring credit lines (0ba652c8-7… p. 1).
Dual Credit Structure
- Production Credit: Captures recurring short-term operational crop loans via an attached “Enclosure-A” (0ba652c8-7… p. 1).
- Investment Term Loans: Covers capital asset creation (0ba652c8-7… p. 1). It accommodates standard commercial investments or specific government-sponsored subsidy schemes (0ba652c8-7… p. 1).
- Validity Clause: Designated as a one-time structural form (0ba652c8-7… p. 1). It only needs refiling if the borrower experiences material changes in land ownership or assets (0ba652c8-7… p. 1).
Farmer & Household Profile
- Demographic Triggers: Logs administrative details including age, village location, and formal educational qualifications (0ba652c8-7… p. 1).
- Socio-Economic Tracking: Categorizes applicants strictly by land tier—Small Farmer (SF), Marginal Farmer (MF), or Agricultural Labourer (0ba652c8-7… p. 1)—and social group status (0ba652c8-7… p. 1).
- Family Dependency Matrix: Tracks family members, their direct dependency status, and their separate annual income contributions (0ba652c8-7… p. 1).
Land & Operational Asset Inventory
| Verification Field | Core Parameters Tracked |
|---|---|
| Land Ownership Proof | Requires copies of physical land records specifying Survey/Block numbers, total acres, source of irrigation, and any legal encumbrances (0ba652c8-7… p. 2). It explicitly tracks owned, leased, or share-cropper titles (0ba652c8-7… p. 2). |
| Movable Farm Assets | Quantifies livestock counts (plough/milch cattle, poultry) and mechanization units (tractors, power tillers, oil engines, electric pump-sets) with their present market values (0ba652c8-7… p. 2). |
| Immovable Properties | Evaluates the baseline real estate value of the household’s farm infrastructure, farm sheds, houses, or fishing ponds (0ba652c8-7… p. 2). |
Financial Liability & Security Framework
- Institutional Debt Profile: Mandates complete disclosure of current outstanding loans and overdues across competing credit spaces, including other commercial banks, co-operative credit societies, and Land Development Banks (0ba652c8-7… p. 2).
- Annual Debt Burden: Requires applicants to explicitly state the total installment amount repayable during the current financial year (0ba652c8-7… p. 2).
- Guarantor Contingency: Tracks the applicant’s outside liabilities as a guarantor for third-party loans (0ba652c8-7… p. 2), while logging the net worth and addresses of up to two co-signers backing the current application (0ba652c8-7… p. 3).
- Data Sharing Authorization: Contains a legal disclosure clause empowering the bank to share account histories with government agencies or credit bureaus (0ba652c8-7… p. 3). It penalizes any misrepresentation of outside debt with immediate disqualification (0ba652c8-7… p. 3).
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Bank of Maharashtra From For Loans upto Rs 1Cr (other than MUDRA Loans) from Download
Bank of Maharashtra Standardized Loan Application for Agricultural Credit Facilities from Download
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