भारतीय �रज़वर् बैंक
______________________ RESERVE BANK OF INDIA________________________
www.rbi.org.in
RBI/2024-2025/96
FIDD.CO.FSD.BC.No.10/05.05.010/2024-25 December 6, 2024
The Chairman / Managing Director / Chief Executive Officer
All Scheduled Commercial Banks (including Regional Rural Banks and Small Finance
Banks)
All State Co-operative Banks and District Central Co-operative Banks
Madam/Sir,
Credit Flow to Agriculture – Collateral free agricultural loans
Please refer to our circular FIDD.CO.FSD.BC.No.13/05.05.010/2018-19 dated February
7, 2019 on the above subject.
2. Keeping in view the overall inflation and rise in agriculture input cost over the years, it
has been decided to raise the limit for collateral free agricultural loans including loans for
allied activities from the existing level of ₹1.6 lakh to ₹2 lakh per borrower. Accordingly,
banks are advised to waive collateral security and margin requirements for agricultural
loans including loans for allied activities upto ₹2 lakh per borrower.
3. The banks are advised to give effect to the revised instructions expeditiously and in
any case not later than January 1, 2025. The banks are also advised to give adequate
publicity to the above changes.
(R. Giridharan)
Chief General Manager
�वत्तीय समावेशन और �वकास �वभाग, केंद्र�य कायार्लय, 10वीमंिजल, केंद्र�य कायार्लय भवन, मुंबई 400001
टे ल�फोन /Tel.No: 91-22-22661000 फैक्स/FaxNo: 91-22-22621011/22610948/22610943
ई-मेल/ Email ID: [email protected]
Financial Inclusion & Development Department, Central Office, 10th Floor, C.O. Building, Mumbai 400001
�हंद� आसान है , इसका प्रयोग बढ़ाइये
“चेतावनी: �रजवर् बैंक द्वारा मेल एसएमएस या फोन कॉल के ज�रए �कसी क� भी व ्यिक्तगत जानकार� जैसे बैंक के खाते का ब ्यौरा, पासवडर्
आ�द नह�ं मांगी जाती है । यह धन रखने या दे ने का प्रस ्ताव भी नह�ं करता है। ऐसे प्रस ्तावों का �कसी भी तर�के से जवाब मत द�िजए।"
Caution: RBI never sends mails, SMSs or makes calls asking for personal information like bank account details,
passwords, etc. It never keeps or offers funds to anyone. Please do not respond in any manner to such offers.
