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The Bank of Maharashtra Agricultural Credit Loan Application Form is a comprehensive six-page document structured to assess a farming household’s complete economic profile for crop loans, Kisan Credit Cards (KCC), or agricultural term loans (41fba1b9-2… p. 1).
Primary Purpose & Scope
- Comprehensive Credit Types: Covers Production Credit, Crop Loans, KCC, and long-term Agri-Term Loans (41fba1b9-2… p. 1).
- Applicant Segmentation: Formally categorizes applications into Small Farmers (SF), Marginal Farmers (MF), or “Others” to align with targeted lending policies (41fba1b9-2… p. 1).
- Joint Family Framework: Incorporates specific entry lines to register the identity of the “Karta” for Joint Hindu Family applications (41fba1b9-2… p. 1).
Operational & Asset Evaluation Parameters
The document implements a structured audit layout to calculate the borrower’s total financial baseline:
| Section & Focus Area | Key Data Parameters Tracked |
|---|---|
| Land & Crop Specifics | Logs the village name, Survey/Khasara number, land title (Owned, Leased, or Share Cropper), total acreage, irrigated vs. non-irrigated sections, and clear seasonal crop layouts (Kharif, Rabi, or others) (41fba1b9-2… p. 2). |
| Immovable Infrastructure | Records the present market value of agricultural land, non-agricultural land, residential houses/buildings, tractor/farm sheds, and active fishing ponds/tanks (41fba1b9-2… p. 3). |
| Movable Farm Assets | Inventories and values working live livestock (plough/milch cattle, poultry birds) alongside mechanization equipment like tractors, power tillers, electric motors, and pumpsets (41fba1b9-2… p. 3). |
| Income Streams | Tallies up baseline annual income sourced directly from agricultural output against any auxiliary outside income streams (41fba1b9-2… p. 3). |
Debt Portfolio & Liability Auditing
- Institutional Debt History: Requires an itemized log of all existing credit liabilities, tracking outstanding balances and specific overdue amounts across competing financial pillars (including other commercial banks, Agricultural Credit Societies, and Land Development Banks) (41fba1b9-2… p. 3).
- Net Worth Computation: Uses a fixed formula to gauge creditworthiness: Net Worth = ((Immovable Assets + Movable Assets) – Total Outstanding Liabilities) (41fba1b9-2… p. 3).
- Guarantor Liability Check: Mandates the disclosure of any active liabilities the applicant carries from co-signing or guaranteeing loans for third parties (41fba1b9-2… p. 3).
Specialized Verification & Security Elements
- Dairy Sector Integration: Features an integrated certification section at the base of page 4 to be completed by the local Milk Union Secretary (41fba1b9-2… p. 4). It verifies the farmer’s cattle ownership, total milk volume supplied (in kilograms/litres), and exact procurement payouts routed through their bank account (41fba1b9-2… p. 4).
- Dual Security Model: Captures independent descriptions for the proposed primary security (such as the standing crop or financed equipment) and any collateral backing (41fba1b9-2… p. 4).
- Social Security Alignment: Audits whether the applicant is already covered under government welfare frameworks like PMJJBY, PMSBY, or APY (41fba1b9-2… p. 2).
Document Checklist & Bank Rules
- Mandatory Checklist: Outlines standard document demands including self-attested ID proof (PAN, Voter ID, Aadhaar, Passport), proof of residence less than 2 months old, land title records, and 2 recent photos (41fba1b9-2… p. 5).
- Processing Caveat: Explicitly states that the tear-away branch acknowledgement slip confirms receipt only and does not equal a loan acceptance or guarantee (41fba1b9-2… p. 6).
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