The Atma Nirbhar Bagwani Yojana is an umbrella scheme by the Government of Arunachal Pradesh that integrates various agricultural schemes under a bank-linked credit subsidy framework. The scheme aims to boost agricultural productivity and entrepreneurship among progressive farmers by providing subsidized bank loans for the cultivation of specific fruits and the purchase of agricultural machinery.
Benefits
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Subsidy Structure:
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Government Subsidy: 45%
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Bank Finance: 45%
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Beneficiary Contribution: 10%
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Collateral-Free Loans:
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For individuals: Up to ₹1.60 lakhs are collateral-free.
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For SHGs/FPOs: No collateral is needed for loans up to ₹10 lakhs.
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Targeted Sectors:
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Cultivation of fruits such as apples, walnut, orange, kiwi, and persimmon.
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Machinery support for agriculture (e.g., tractor, power tiller, brush cutter) and cultivation of crops like arecanut, pineapple, avocado, dragon fruit, orange, banana, and guava.
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Financing Partners:
Loans are provided by State Bank of India, Arunachal Pradesh Rural Bank, and Arunachal Pradesh Cooperative Apex Bank.
Eligibility
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Geographic Focus:
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The scheme is targeted exclusively at residents and farmers of Arunachal Pradesh.
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Beneficiaries:
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Progressive farmers, including individual farmers, SHGs, and FPOs, interested in the cultivation of designated fruits and in procuring specific agricultural machinery.
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Collateral:
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Collateral security is required only for loan amounts exceeding the specified limits (₹1.60 lakhs for individuals; ₹10 lakhs for SHGs/FPOs).
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Application Process
Mode: Offline
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Application Form:
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Applicants must download and fill the prescribed application form available here.
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Submission:
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Submit the completed application form along with the required documents to the designated authority as per the guidelines.
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Additional Information:
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The Chief Minister has indicated that a regional level oil palm business summit will be hosted to attract investors and educate farmers, highlighting the scheme’s emphasis on regional agricultural development.
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Documents Required
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Aadhaar Card
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Voter Card
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Residential Certificate
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Valid Bank Account details
Note:
No land documents (e.g., Land Possession Certificate) are required to secure collateral-free loans under this scheme.
Frequently Asked Questions (FAQs)
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When was the Atma Nirbhar Bagwani Yojana launched?
The scheme’s details and notifications have been released recently; please refer to the official guidelines for the launch date. -
What is the focus area of the scheme?
It focuses on value addition in coffee and other agricultural products by supporting the establishment of new R&G units for improved processing (roasting, grinding, and packaging). -
What is the budget allocation for the scheme?
The specific budget details are outlined in the scheme guidelines; however, the focus is on providing subsidized bank loans with a 45% government subsidy. -
Which state is implementing the scheme?
The scheme is implemented in Arunachal Pradesh. -
Is the scheme related to a previous initiative?
It is part of an umbrella of agricultural support schemes and integrates previous initiatives under a unified credit subsidy framework.