SFAC VCA Guidelines-Hindi-English31!03!2014

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m|e iwath lgk;rk ;kstuk

fn'kk funsZ'k
ckjgoha ;kstuk 2012&2017
Operational Guidelines
Venture Capital
Assistance Scheme
for
Agribusiness Development
XIIth Plan (20122017)
AGRIBUSINESS DEVELOPMENT THROUGH

VENTURE CAPITAL ASSISTANCE AND
PROJECT DEVELOPMENT FACILITY
1. Introduction
1.1 Farming is the single largest private sector economic activity in the country. The growth
potential in this key sector is immense in view of the changes taking place in food
consumption and there is growing demand for high value processed products. Successes
in such endeavors will require innovations and partnerships. Private agribusiness provide
first point market for the farm sector and growth depends principally on private initiatives.
A significant portion of agribusiness activity is the result of small and medium enterprises.
Such enterprises are necessarily widespread in location to capture opportunities that
arise all along the farm to table supply chain. Key constraints that impede development
of new agribusiness projects are access to information and access to credit. Agribusiness
entrepreneurs are generally first generation who have business skills but their financial
resources are limited for setting up units at the farm gate with backward linkages.
In order to facilitate agribusiness development in the country SFAC venture capital
scheme will:
(a) Assist agripreneurs to make investments in setting up agribusiness projects through
financial participation, and
(b) Provide financial support for preparation of bankable Detailed Project Reports (DPRs)
through Project Development Facility (PDF).
Operational Guidelines Venture Capital Assistance Scheme for Agribusiness Development
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vko';drk jgrh gSA futh f"k O;kikj f"k {ks= ds fy, izkFkfed cktkj lqyHk djkrk gS rFkk
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lwpuk,a izkIr djuk rFkk _.k dh miyC/krk gSA lkekU;r% f"k&O;kikj m|eh igyh ih<+h gksrh
gS ftuds ikl O;kikj dh dq'kyrk rks gS fdarq muds fokh; lalk/ku lhfer gSaA vr% ,l,Q,lh
(SFAC) ns'k esa f"k O;kikj fodkl dks lqpk: cukus ds fy, fuEu dk;Z djsaxh%
d
fokh; lgHkkfxrk ds ek/;e ls f"k&m|fe;ksa dks f"k O;kikj ifj;kstuk,a yxkus esa fuos'k
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ifj;ks
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2. Objectives
2.1 The main objectives of the Scheme are:
(a) To facilitate setting up of agribusiness ventures in close association with all Notified
Financial Institutions notified by the Reserve Bank of India where the ownership of
the Central/State Government is more than 50% such as Nationalized banks, SBI
& its subsidiaries, IDBI, SIDBI, NABARD, NCDC, NEDFi, Exim Bank, RRBs & State
Financial Corporations.
(b) To catalyze private investment in setting up of agribusiness projects and thereby
providing assured market to producers for increasing rural income & employment.
(c) To strengthen backward linkages of agribusiness projects with producers.
(d) To assist farmers, producer groups, and agriculture graduates to enhance their
participation in value chain through Project Development Facility.
(e) To arrange training and visits, etc. of agripreneurs in setting up identified agribusiness
projects.
(f) To augment and strengthen existing set up of State and Central SFAC.
3. Salient features of the Scheme

3.1 Venture Capital Assistance

SFAC would provide Venture Capital to qualifying projects on the recommendations of the
Notified Financial Institution financing the project. This venture capital will be repayable
back to SFAC after the repayment of term loan of lending Notified Financial Institution
as per original repayment schedule or earlier.
3.1.1 SFAC would provide venture capital to agribusiness projects by way of soft loan to
supplement the financial gap worked out by the sanctioning authority of term loan
under Means of Finance with respect to cost of project subject to the fulfillment of
the following conditions:
(a) Qualifying projects under Venture Capital:
(i) Project should be in agriculture or allied sector or related to agricultural
services. Poultry and dairy projects will also be covered under the Scheme.
(ii) Project should provide assured market to farmers/producer groups.
(iii) Project should encourage farmers to diversify into high value crops, to
increase farm incomes.
(iv) Project should be accepted by Notified Financial Institution for grant of
term loan.
(b) The quantum of SFAC Venture Capital Assistance will depend on the project
cost and will be the lowest of the following:
26% of the promoters equity

`50.00 lakhs.
Provided that for projects located in North-Eastern Region, Hilly States

(Uttarakhand, Himachal Pradesh, Jammu & Kashmir) and in all cases in any part
of the country where the project is promoted by a registered Farmer Producers
Organisation, the quantum of venture capital will be the lowest of the following:

`50.00 lakhs.
2- mn~ns';
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miyC/k /ku esa deh dks iwjk djus ds fy, vklku _.k ds :i esa f"k O;kikj ifj;kstukvksa
dks m|e iwath lqyHk djk,xk%
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`50-00 yk[k
iwoksZkj {ks= ,oa igkM+h jkT;ksa fgekpy ns'k] tEew ,oa d'ehj vkSj mkjk[kaM esa
f"k O;kikj ifj;kstukvksa rFkk vU; lHkh ekeyksa esa ns'k ds fdlh vU; Hkkx esa tgka
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`50-00 yk[k
The cost of proposed agribusiness project would have to be `15 lakh & above, subject to
a maximum of `500 lakh. However, projects valuing `10 lakh and above, proposed to be
located in backward districts as notified by Planning Commission, hilly and North-Eastern
States could also be considered for PDF and VCA.
(c) The Executive Committee of SFAC will have the power to consider projects
for higher Venture Capital Assistance provided :
1. Provision for higher VCA has been appraised and approved by sanctioning
authority of term loan subject to maximum of `3.00 Crore.
2. Total cost of the project not more than `10.00 Crore.
3. Projects are located in the North Eastern Region (NER) and other difficult
pre-identified districts declared backward by Planning Commissions
Backward Regions Grant Fund Scheme.
(d) Beneficiary will submit the project proposal in the form of DPR to area lending
Notified Financial Institution.
(e) On receipt of project proposal, Notified Financial Institution will appraise,
assess and sanction requisite amount of term loan/working capital required
by the beneficiary for execution of the project.
(f) Notified Financial Institution will also work out the amount of Venture Capital,
as per criteria laid down at para 3.1.1. (a, b & c) and communicate it to SFAC
with its recommendation.
(g) SFAC will make said amount available to the recommending Notified Financial
Institution on case to case basis for disbursement to the beneficiary either
in lump sum or in stages, as may be considered appropriate by the Notified
Financial Institution.
(h) Term Loan/working capital and loan amount from SFAC as Venture Capital
will be extended to the beneficiary through a single-window by the project
financing Notified Financial Institution.
(i) Due date for refund of VCA to SFAC and end date of term loan as per original
repayment schedule fixed by the bank at the time of sanction of term loan
remains the same e.g. in case bank fixes end date of its term loan as 31.03.2020
then VCA will also be due for refund on the same date i.e. 31.03.2020.
(j) In case the borrower is unable to repay the Venture Capital amount in lump sum
immediately after repayment of banks term loan, he/she will have the option to
repay the entire amount of VCA together with accrued amount of interest in 4
quarterly instalments within a year from original due date. The rate of interest in
this regard will be the same as charged by the lending bank on its term loan.
(k) During the pendency of loan, the Notified Financial Institution will have charge
over the primary/collateral securities (including FDR) available with the
beneficiary and the said securities will not be released by bank to beneficiary
or other institutions till full refund of VCA to SFAC.
(l) The Notified Financial Institution will provide SFAC with full details of the terms
and conditions under which the term loan is sanctioned including a copy of
process/appraisal note duly signed by sanctioning authority of term loan and
repayment schedule fixed for the term loan.
(m) The Notified Financial Institution will also keep SFAC posted of the progress in
implementation of the project and repayment of its term loan from time to time
and its performance on yearly basis after the project becomes operational.
(n) The funds received from SFAC will be kept in a separate account by the Notified
Financial Institution and released to promoters for the project implementation,
as and when required.
(o) Agribusiness promoters may also avail Venture Capital Assistance for second
time after refund of first Venture Capital Assistance as per original schedule.
However, second time VCA will be for creation of additional capacity in the
same activity or for a different activity.
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fopkj fd;k tk ldrk gSA
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3- ifj;kstuk iwokskj {ks= ,ubZvkj esa fLFkr gks rFkk ;kstuk vk;ksx ds fiNM+s {ks=
Z
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:i esa vius {ks= ds vfklwfpr fokh; laLFkk ds lEeq[k izLrqr djsaxsaA
ifj;kstuk izLrko dh izkfIr ds ckn vfklwfpr fokh; laLFkk ifj;kstuk ds dk;kZUo;u
ds fy, okafNr lkofkd _.k@dk;Zxr iwath dh vkosfnr jkf'k dk ewY;kadu] fo'ys"k.k
rFkk Lohr djsaxsaA
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a
voxr djk,xkA
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fdLr esa] tSlk mfpr le>s] forfjr djsxkA
t m|e iwath ds :i esa lkof/kd _.k@dk;Zxr iwath rFkk _.k dh jkf'k ifj;kstuk dks
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dh eatwjh ds le; cSad }kjk fukkZfjr ewy iquHkqZxrku vuqlwph ds vuqlkj fe;knh&_.k
dh vafre frfFk leku jgrh gS mnkgj.k ds fy, cSad us ;fn 31&03&2020 dks vius
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dk fodYi gksxkA bl ckjs esa O;kt dh nj ogh gksxh tks fd _.knkrk cSad }kjk
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djsxkA
3.2 Project Development Facility

(a) SFAC will provide financial support to farmers, Producer Groups, Agripreneurs, Units
in Agri-Export Zones, and Agriculture graduates (called beneficiary) in the preparation
of bankable Detailed Project Reports (DPR) through empanelled consultants/
institutions. SFAC will provide for the cost of preparation of DPR depending upon
the financial status of the agripreneur, size, location, activity and coverage on a case
to case basis.
(b) The beneficiary desirous of seeking assistance for preparation of DPR can approach
the nearest empanelled consultant of the district in consultation with Notified Financial
Institution along with the details /pre-feasibility of the proposed project for the
recommendation of the Notified Financial Institution or SFAC at the State or Central
level.
(c) The Notified Financial Institution on being satisfied about the feasibility of the intending
project will recommend it to SFAC for providing financial assistance for the preparation
of DPR. Intending projects must be over `15 lakhs (`10 lakhs in projects located in
backward district of States notified by Planning Commission, North Eastern States
and other hilly States i.e. H.P., J&K and Uttarakhand) in size.
(d) Based on the activity and location of the project, SFAC will entrust preparation of
DPR to one of the consultants on its panel.
(e) SFAC will release cost of DPR preparation to the empanelled consultant.
(f) The schedule of fee payable to empanelled consultants under Venture Capital
Assistance Scheme for Agribusiness Development is summarized below:

Category-I : (Project size between `10.00 lakh to `25.00 lakh)

Total fee : `25000.00 (Rupees Twenty Five Thousand Only).

Category-II : (Project size above `25.00 lakh and upto ` 1.00 Crore)
Total fee : `50000.00 (Rupees Fifty Thousand Only).
Category-III : (Project size above `1.00 Crore and upto `3.00 Crore)
Total fee : `75000.00 (Rupees Seventy Five Thousand Only).
Category-IV : (Project size above `3.00 Crore and upto `5.00 Crore),
Total fee : `100000.00 (Rupees One Lakh Only).
Terms of payment of all Categories: The fee will be paid to empanelled consultants
in three stages:
(i) 20% after submission of DPR and other documents to the bank.
(ii)
40% after sanction of term loan by Notified Financial Institution with provision
of VCA.
(iii) 40% after sanction and disbursement of VCA by SFAC.
(g) The DPR received from SFAC or directly from the consultant will be examined in
detail by the lending Notified Financial Institution for sanction of term loan and release
of venture capital. A copy of the term loan sanction advice to the borrower will also
be addressed to SFAC for its record.
(h) Financial assistance to State SFACs for undertaking promotional activities for
agribusiness development, training and visits etc. of entrepreneurs setting up the
identified Agribusiness projects will also be provided under PDF.
(i) Project Development Facility may be utilized to engage the services of State SFACs,
State Agricultural Universities and others and/or any other competent agency/firm/
consultant to vigorously publicize the benefits of the Venture Capital Scheme to
prospective entrepreneurs and producer organizations.
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gkykafd] nwljh ckj ;g ohlh, mlh f;kdyki esa vfrfjDr {kerk ds fuekZ.k ;k fdlh
vU; xfrfof/k ds fy, gksxkA
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[k
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dsUh; Lrj ij ,l,Q,lh dh vuq'kalk gsrq Lrkfor ifj;kstuk ds iw.kZ fooj.k@iwoZ O;ogk;Zrk
lfgr vfklwfpr fokh; laLFkk ds ijke'kZ ls ftys ds utnhdh iSuy lykgdkj ls foe'kZ
dj ldrs gSaA
x bPNqd ifj;kstuk dh O;ogk;Zrk ds ckjs esa larq"V gksus ij vfklwfpr fokh; laLFkk] Mhihvkj
dks rS;kj djus ds fy, fokh; lgk;rk gsrq bls ,l,Q,lh dks HkstsxhA bPNqd ifj;kstuk
vkdkj esa `15 yk[k ;kstuk vk;ksx] iwoksZkj jkT;ksa rFkk vU; ioZrh; jkT;ksa tSls fgekpy
ns'k] tEew vkSj d'ehj] mkjk[kaM }kjk vf/klwfpr fiNM+s ftyksa esa fLFkr ifj;kstukvksa ds fy,
`10 yk[k rd gksuh pkfg,A
?k ifj;kstuk dh xfrfof/k rFkk fLFkfr ds vk/kkj ij] ,l,Q,lh vius ijke'kZdksa esa ls fdlh ,d dks
Mhihvkj rS;kj djus dk dk;Z nsxkA
,l,Q,lh Mhihvkj rS;kj djus dh ykxr ijke'kZd dks voeqDr djsxkA
p f"k O;kikj fodkl ds fy, ospj dSfiVy lgk;rk ;kstuk ds rgr iSuy esa 'kkfey lykgdkjksa
a
dks ns; 'kqYd dh vuqlph la{ksi esa fuEu gS%
w
a
Js.kh&I% `10-00 yk[k ls `25-00 yk[k rd dh ifj;kstuk ds fy,
dqy 'kqYd% `25]000-00 :i, iPphl gtkj ek=A
Js.kh&II: `25-00 yk[k ls vfkd rFkk `1-00 djksM+ rd dh ifj;kstuk ds fy,
dqy 'kqYd% `50]000-00 :i, ipkl gtkj ek=A
Js.kh&III: `1-00 djksM+ ls vfkd rFkk `3-00 djksM+ rd dh ifj;kstuk ds fy,
dqy 'kqYd% `75]000-00 :i, ipgkj gtkj ek=A
Js.kh&IV: `3-00 djksM+ ls vfkd vkSj ` 5-00 djksM+ rd dh ifj;kstuk ds fy,
dqy 'kqYd% `100]000-00 ,d yk[k :i, dsoy ek=A
lHkh Jsf.k;ksa dks Hkqxrku dh 'krs% iSuy lykgdkj dks 'kqYd rhu pj.kksa esa Hkqxrku fd;k tk,xk%
cSa
i d dks Mhihvkj vkSj vU; nLrkostksa dks Lrqr djus ds ckn 20 fr'kr HkqxrkuA
ii hlh, ds kokku lfgr vfklwfpr fokh; laLFkk }kjk fe;knh _.k dh eatjh ds ckn 40 fr'krA
o
w
iii _.k dh eatjh rFkk ,l,Q,lh }kjk ohlh, ds forj.k ds ckn 40 fr'krA
w
N _.knkrk vfklwfpr fokh; laLFkk] lkof/kd _.k dh Lohfr rFkk m|e iwath tkjh djus ds
fy, ,l,Q,lh ;k ijke'kZd ls lh/ks :i esa izkIr Mhihvkj dh foLr`r tkap djsxkA _.kh
dks nh tkus okys lkof/kd _.k Lohfr i= dh ,d izfr] ,l,Q,lh dks Hkh fjdkMZ ds
fy, Hksth tk,xhA
t f"k O;kikj fodkl ds fy, izf'k{k.k rFkk m|fe;ksa ds nkSjksa rFkk fpUgkafdr f"k O;kikj
ifj;kstukvksa ds xBu ds fy, jkT; ,l,Q,lh dks c<+rs f;kdykiksa dks lapkfyr djus ds
fy, Hkh ihMh,Q ds varxZr fokh; lgk;rk iznku dh tk,xhA
> ,l,Q,lh viuh ifj;kstuk fodkl lqfo/kk dk mi;ksx jkT; ,l,Q,lh] jkT; f"k fo-fo- rFkk
vU;ksa dh lsok ysus esa fd;k tk,xk rkfd laHkkfor m|fe;ksa rFkk mRiknd laxBuksa ds fy,
m|e iwath lgk;rk ds ykHkksa dk tksjnkj rjhds ls izpkj&izlkj fd;k tk ldsA
4. Eligible Persons
Assistance under the Scheme will be available to Individuals; Farmers; Producer Groups;
Partnership/Proprietary Firms; Self Help Groups; Companies; Agripreneurs; units in agriexport zones, and Agriculture graduates Individually or in groups for setting up agribusiness
projects.
For professional management and accountability the groups have to preferably form into
companies or producer companies under the relevant Act.
5. Role of Central SFAC

(a) On receipt of proposal from Notified Financial Institution indicating sanction of term loan
and requirement of VCA; SFAC will submit the proposal to its Investment Committee for
approval. Field visits shall be conducted by SFAC or its authorized representatives for
evaluation and linkages with farmers etc.
(b) SFAC after seeking approval of its Investment Committee and sanction by its Managing
Director will release VCA to the Notified Financial Institution.
(c) SFAC will seek approval of its Executive Committee in cases where higher Venture
Capital Assistance is proposed to be considered.
(d) Project Development Facility could be utilized to inspect such proposals, which may include
site visits, referred by Notified Financial Institution needing clarification to determine
if projects are qualifying or not and report back to Notified Financial Institution within
30 days of receipt of reference.
(e) Central SFAC will strengthen the State SFACs and financially assist them in undertaking
promotional activities, campaigns, printing of guidelines in local languages; identification
of qualifying projects and in organizing producer groups.
(f)
SFAC will have Memorandum of Understanding (MOU) with all financial institutions
notified by the Reserve Bank of India where the ownership of Central/State Government
is more than 50% such as Nationalized banks, SBI & its subsidiaries, IDBI, SIDBI,
NABARD, NCDC, NEDFi, Exim Bank, RRBs & State Financial Corporations.
(g) SFAC will have a separate agreement with the applicant for facilitating the recovery of
its loan amount extended under Venture Capital assistance.
4- ik= ykHkkFkhZ
bl ;kstuk ds vUrxZr O;fDr;ksa] "kdksa] mRiknd lewgksa] lk>snkj@Lokeh Qeks] Lo&lgk;rk lewgksa]
dEifu;ksa] f"k m|fe;ksa f"k&fu;kZr {ks=ksa esa bdkb;ksa rFkk f"k Lukrd O;fDrxr :i ls ;k lewgksa dks
lgk;rk miyC/k jgsxhA
O;kolkf;d izca/ku rFkk tokcnsgh ds fy, lewgksa dks vf/kekur% lacaf/kr vf/kfu;e ds vUrxZr dEifu;k
;k mRiknd dEifu;k cukuk gksxkA
5- dsUnzh; ,l,Q,lh dh Hkwfedk

d vfklwfpr fokh; laLFkk }kjk izLrko izkIr gksus ij ftlesa fe;knh _.k dh Lohfr rFkk ohlh, dh ekax
dk ft gks] ,l,Q,lh bl izLrko dks viuh fuos'k lfefr dks vuqeksnu ds fy, HkstxkA ,l,Q,lh
s
;k blds vf/kr izfrfuf/k }kjk ewY;kadu vkSj fdlkuksa ls lEidZ ds fy, QhYM nkSjk fd;k tk,xkA
[k viuh fuos'k lfefr ls lgefr rFkk izca/k funs'kd ls Lohfr ds i'pkr~ ,l,Q,lh vfklwfpr
fokh; laLFkk dks m|e iwath tkjh dj nsxkA
x ,sls ekeys ftuesa vf/kd m|e iwath lgk;rk ij fopkj djus dk izLrko j[kk x;k gks] ,l,Q,lh
ds fy, viuh dk;Zdkjh lfefr dh Lohfr ysuk vfuok;Z gksxkA
?k vfklwfpr fokh; laLFkk }kjk lanfHkZr oSls izLrko ftuds laca/k esa ;g lqfuf'pr djus ds fy,
dh ifj;kstuk,sa vgrZrk j[krh gS ;k ugha] Li"Vhdj.k vko';d gks] dh tkap ds fy;s ifj;kstuk
fodkl lqfo/kk dk mi;ksx fd;k tk ldrk gS vkSj lanHkZ izkIr gksus ds ckn 30 fnuksa ds Hkhrj
vfklwfpr fokh; laLFkk dks fjiksVZ nsuh gksxhA
dsUnzh; ,l,Q,lh jkT;ksa dh ,l,Q,lh dks etcwr cuk,xh rFkk mUgsa lao)ZukRed xfrfof/k;ksa]
vfHk;kuksa] LFkkuh; Hkk"kk esa fn'kk&funsZ'kksa dk eqnz.k] vgrZ ifj;kstukvksa dh igpku rFkk mRiknd
lewgksa ds laxBu vkfn gsrq fokh; lgk;rk nsxhA
p ,l,Q,lh dk Hkkjrh; fjtoZ cSad }kjk vf/klwfpr ,slh lHkh fokh; laLFkkvksa ds lkFk ,d
le>kSrk Kkiu ,evks;w gksxk ftlesa dsanz@jkT; ljdkj ds 50 izfr'kr ls vf/kd dk LokfeRo
gks tSls fd jk"Vh;r cSad] ,lchvkbZ vkSj blds lgk;d cSad] vkbZMhchvkbZ] flMch] ukckMZ]
,ulhMhlh] ,ubZMh,QvkbZ] ,fDte cSad] vkjvkjch rFkk jkT; fokh; fuxe vkfnA
N ,l,Q,lh m|e iwath lgk;rk ds vUrxZr nh xbZ viuh _.k jkf'k dh olwyh ds fy, vkosnd
ds lkFk vyx ls ,d djkjukek djsxhA
6. Role of State SFACs

(a) To aggressively promote agribusiness project development in their respective States as
an extended arms of Central SFACs.
(b) State SFACs in consultation with Central SFAC will prepare a plan for agribusiness project
development in their respective States.
(c) State SFACs after due diligence and ascertaining the backward linkages as per the
objectives will recommend agribusiness projects to Central SFAC for venture capital.
(d) State SFACs, with the assistance under PDF facility from Central SFAC, will organize
awareness and Entrepreneurship Training & Development Camps, Publicity Campaigns,
for setting up identified projects. State SFACs, will undertake promotional activities
and organize producer groups seminar/meeting etc. State SFACs may get published
guidelines, brochures, pamphlets and posters etc. of VCA scheme in local languages.
They may use other means of advertisement to get wider publicity for the scheme at the
cost of Central SFAC.
(e) Help producer groups in framing pre-feasibility reports and facilitate interaction with local
Notified Financial Institutions for their recommendation.
(f)
Function as repositories of information maintaining a data base of potential areas, producer

groups and marketable surplus of various crops available.
(g) Provide venture capital to small projects out of interest earned on the Corpus fund and
refer large projects to Central SFAC.
(h) As a member of SLBC, raise the issues concerning agribusiness project development
in their respective States during the SLBC meetings and organize awareness camps in
coordination with local Banks/State Government.
(i)
(j)
Monitor the projects assisted through VCA facility in implementation stage and intimate
developments/deficiencies to Central SFAC for initiating remedial action.
The State SFAC in coordination with the State agencies and lending banks shall assist
Central SFAC in recovery of VCA in cases where the beneficiaries of VCA have not
refunded the venture capital as per the original schedule.
6- jkT;ksa dh ,l,Q,lh dh Hkwfedk

d vius&vius jkT;ksa esa dsanzh; ,l,Q,lh ds lg;ksxh ds rkSj ij f"k O;kikj ifj;kstukvksa dks rsth
ls c<+kukA
[k jkT;ksa dh ,l,Q,lh vius ls lacaf/kr jkT;ksa esa f"k O;kikj ifj;kstuk fodkl ds fy, dsUnzh;
,l,Q,lh ds lkFk feydj ,d ;kstuk rS;kj djsaxsaA
x jkT; ,l,Q,lh iwjs foosdiw.kZ fopkj rFkk mn~n';ksa ds vuq:i] i'p&laidZ dk fu/kkZj.k djus ds i'pkr
s
m|e iwth ds fy, mu f"k O;kikj ifj;kstukvksa dh dsUnzh; ,l,Q,lh ls flQkfj'k djsxhA
a
?k dsanzh; ,l,Q,lh ls feyh ihMh,Q lqfo/kk ds rgr izkIr lgk;rk ls jkT; ,l,Q,lh fpUgkafdr
ifj;kstukvksa ds xBu ds fy, tkx:drk rFkk m|ferk izf'k{k.k ,oa fodkl dSEi] izpkj vfHk;ku
dk vk;kstu djsaxsA jkT; ,l,Q,lh mUur xfrfof/k;ksa dk lapkyu djsxh rFkk mRiknd oxZ ds
fy, laxks"Bh@cSBdsa vkfn vk;ksftr djsxhA jkT; ,l,,Qlh LFkkuh; Hkk"kkvksa esa ohlh, ;kstuk ds
fn'kk funsZ'kksa] czks'kj] iSEQysV rFkk iksLVj vkfn dks izdkf'kr djsxhA
iwoZ&laHkkO;rk izfrosnuksa dks cukus esa mRiknd lewgksa dh lgk;rk djuk rFkk mUgsa laLrqr fd, tkus
ds fy, LFkkuh; cSadksa ds lkFk laidZ lqyHk djokukA
p lwpukvksa ds laxzgd ds :i esa dk;Z djuk tSls laHkkfor {ks=ksa] mRiknd lewgksa rFkk fofHkUu Qlyksa
ds foi.ku ;ksX; miyCk vkfkD; dh vk/kkjHkwr lwpuk,a j[kukA
N laxzfgr dks"k ij vftZr C;kt esa ls NksVh ifj;kstukvksa dks m|e iwath lqyHk djkuk rFkk cM+h
ifj;kstukvksa dks dsanzh; ,l,Q,lh dks vxzsf"kr djukA
t ,l,ychlh ds ,d lnL; ds :Ik essa] bldh cSBdksa ds nkSjku vius jkT; esa f"k O;kikj ifj;kstuk
ds fodkl ls lacaf/kr eqn~nksa dks mBk,axh vkSj LFkkuh; cSadksa@jkT; ljdkj ds lkFk feydj tkx:drk
dSEi yxk,xhA
> dk;kZUo;u Lrj esa ohlh, lqfo/kk ds ek/;e ls lgk;rk izkIr ifj;kstukvksa dh fuxjkuh djuk rFkk bldh
izxfr@dfe;ksa dks dsnhz ; ,l,Q,lh dks lwfpr djuk rkfd mipkjkRed dk;Zokgh izkjaHk dh tk ldsA
a
jkT; ,l,Q,lh jkT; ,tsafl;ksa rFkk dtZ nsus okys cSadksa ds lg;ksx ls ,sls ekeyksa esa dsanzh;
,l,Q,lh dks olwyh esa lgk;rk djsaxs tgka ohlh, ds ykHkkFkhZ us ewy vuqlwph ds vuqlkj m|e
iwath dks okil u fd;k gksA
7. Role of Agripreneurs
For the success of the Venture, the agribusiness projects should be grounded within a
predetermined time schedule as fixed in the sanction of term loan:
(a) The entrepreneur/promoter will provide an undertaking to the Notified Financial Institution
to hold charge on the primary and collateral securities including FDRs till full repayment of
VCA to SFAC. The entrepreneur/promoter will also enter into an agreement with SFAC for
extending charge in favour of SFAC on all the securities (primary and collateral including
FDRs) charged by the Notified Financial Institution against their term loan/other facilities
after repayment of their Term Loan till full repayment of VCA to SFAC.
(b) Agripreneurs will submit implementation schedule of the Project to SFAC and participating
Notified Financial institution which will be closely monitored by SFAC.
(c) Deviation, if any, in the implementation schedule should be immediately notified to the
concerned lending Notified Financial Institution and to SFAC.
(d) Agripreneurs will submit Utilization Certificate of Venture Capital Assistance in GFR 19 A
duly certified by Chartered Accountant to SFAC and the participating Notified Financial
Institutions.
(e) Agripreneurs will submit yearly physical progress reports, yearly balance confirmation,
audited accounts and balance sheet to SFAC and the participating Notified Financial
Institutions.
(f) The agripreneurs while availing venture capital will have to provide an affidavit to SFAC
that they have not availed of VC earlier in any capacity.
8. Eligible Financing Institutions
All Notified Financial Institutions notified by the Reserve Bank of India where the ownership of the
Central/State Government is more than 50% such as nationalised banks, SBI & its Subsidiaries,
IDBI, SIDBI, NABARD, NCDC, NEDFi, RRBs & State Financial Corporations.
9. Monitoring and Reporting
With a view to minimize paper work and ensure that SFAC is provided with all the relevant
details of individual projects financed by the Notified Financial Institutions with Venture Capital
support provided by SFAC, units assisted for preparation of DPR, and also progress in project
implementation from time to time, the following reporting schedule will be observed:
(a) Report on Utilization of Venture Capital (VC)/Project Development
Facility (PDF)
The Notified Financial Institution will report each disbursement made by them in respect of
VC out of the funds received from SFAC. A report on progress in project implementation
vis a vis utilization of venture capital fund already given to the party through Notified
Financial Institution under VC would also be sent to SFAC.
(b) Report on the working of assisted units
The Notified Financial Institution will submit a report on the working of the units financed
by them under VC to SFAC on a half yearly basis indicating whether the operations
are in line with the projections and whether the borrowers are adhering to repayment
commitments.
(c) Reporting of Exceptions
The Notified Financial Instituition will also keep SFAC informed of any proposal of
rephasement of their Term Loan and will seek SFAC consent before implementing such
rephasement. However, any proposal for rephasement of Banks Term Loan and VCA
simultaneously, SFACs prior permission is mandatory. The entrepreneur will not be
eligible for any rephasement of VCA at a later date in case permission has not been sought
by bank at the time of rephasement of term loan. However, the request for rephasement
of VCA can be exercised by Notified Financial Institution/Promoters only once.
7- f"k m|fe;ksa dh Hkwfedk
m|e dh lQyrk ds fy,] f"k O;kikj ifj;kstuk dks lkof/kd _.k dh Lohfr esa fu/kkZfjr
le; lhek ds Hkhrj LFkkfir fd;k tkuk pkfg,%
d m|eh@izorZd bl ckr ds fy, cpuc) gksxsa fd ,l,Q,lh dks ohlh, ds iw.kZ Hkqxrku gksus
rd ,QMhvkj lfgr izkFkfed rFkk tekurh izfrHkwfr;ksa dk vf/kdkj vfklwfpr fokh; laLFkkvksa
ds ikl jgsxkA m|eh@izorZd] ,l,Q,lh ds lkFk ;g djkj Hkh djsaxs fd ohlh, dh ,l,Q,lh
dks muds lkof/k _.k ds iw.kZ Hkqxrku rd muds lkof/k _.k@vU; lqfo/kkvksa ds izfr vfklwfpr
fokh; laLFkk }kjk izHkkfjr lHkh izdkj dh izfrHkwfr;ksa izkFkfed rFkk ,QMhvkj lfgr tekurh
izfrHkwfr;ka ,l,Q,lh ds i{k esa gksaxhA
[k f"k m|fe;ksa dks ifj;kstuk dh dk;kZUo;u ;kstuk ,l,Q,lh rFkk lgHkkxh cSad@_.knkrk laLFkk ds
lEeq[k izLrqr djuh gksxh ftl ij ,l,Q,lh dM+h fuxjkuh j[ksxhA
x dk;kZUo;u&;kstuk esa cnyko] ;fn dksbZ gS rks] ds ckjs esa _.knkrk vfklwfpr fokh; laLFkk rFkk
,l,Q,lh dks vfoyac lwfpr djuk gksxkA
?k f"k m|fe;ksa dks pkVZM ,dkmVsV ds }kjk fof/kor~ izekf.kr th,Qvkj 19&, izi= esa m|e iwth lgk;rk
a
a
dk mi;ksx izek.ki= ,l,Q,lh rFkk lgHkkxh vfklwfpr fokh; laLFkk ds lEeq[k izLrqr djuk gksxkA
f"k m|fe;ksa dks ,l,Q,lh rFkk lgHkkxh vfklwfpr fokh; laLFkk ds lEeq[k okf"kZd vk/kkj ij
HkkSfrd izxfr fjiksV~Zl] lkykuk 'ks"k izek.khdj.k] vadsf{kr ys[kk rFkk rqyu i= izLrqr djus gksaxsA
p m|e iwath izkIr djrs oDr f"k m|eh bl vk'k; dk 'kiFk i= ,l,Q,lh dks nsaxs fd mUgksaus
blds m|e iwath izkIr ugha dh gSA
8- ;ksX; fokh; laLFkk,a
lHkh vfklwfpr fokh; laLFkkvksa ftUgsa Hkkjrh; fjtoZ cSd }kjk vf/klwfpr fd;k x;k gks vkSj ftuesa dsn@
a
az
jkT; ljdkj dk 50 izfr'kr ls vf/kd LokfeRo gks tSls jk"Vh;r cSd] ,lchvkbZ vkSj blds lgk;d cSd]
a
a
vkbZMhchvkbZ] flMch] ukckMZ] ,ulhMhlh] ,ubZMh,QvkbZ] ,fDte cSd] vkjvkjch rFkk jkT; fokh; fuxe
a
vkfnA
9- fuxjkuh rFkk izfrosnu
dkxth dkjokbZ dks de ls de djus rFkk ,l,Q,lh dks vfklwfpr fokh; laLFkk }kjk fokiksf"kr]
,l,Q,llh ls m|e iath izkIr izR;sd ifj;kstuk] Mhihvkj dh rS;kjh gsrq lgk;rk izkIr bdkbZ;ksa rFkk
w
le;≤ ij ifj;kstuk f;kUo;u dh izxfr ls lacf/kr vko';d fooj.kksa dh miyfC/k lqfuf'pr djokus
a
gsrq fuEufyf[kr izfrosnu dk;Ze dk vuqikyu fd;k tk,xk%
d m|e iwath ohlh@ifj;kstuk fodkl lqfo/kk ihMh,Q ds mi;ksx ij izfrosnu
,l,Q,lh ls izkIr gksus okys dks"kks esa ls m|e iwth ds izR;sd forj.k dh fjiksVZ vfklwfpr fokh;
a
laLFkk nsxkA ifj;kstuk dk;kZUo;u esa izxfr ds lkFk&lkFk m|e iwth ds vUrxZr vfklwfpr fokh; laLFkk
a
ds ek/;e ls ikVhZ dks igys nh x;h m|e iwth jkf'k ds bLrseky ij fjiksVZ Hkh ,l,Q,lh dks Hksth
a
tk,xhA
[k
lgk;rk izkIr bdkb;ksa dh dk;Z iz.kkyh ij frosnu
vfklwfpr fokh; laLFkk m|e iwath ds vUrxZr muds }kjk fok&iksf"kr bdkb;ksa dh dk;Z iz.kkyh
ij v)Z&okf"kZd vkkkj ij ,l,Q,lh dks fjiksVZ izLrqr djsxh ftlesa bl ckr dk mYys[k gksxk
fd izpkyu iwoZ&fukkZfjr dk;Ze ds vuqlkj gks jgk gS ;k ugha rFkk _.kh iwoZHkqxrku izfrc)rk
ds vuqlkj Hkqxrku dj jgs gSa ;k ughaA
x vioknksa dh lwpuk
vfklwfpr fokh; laLFkk vius lkof/k _.k ds izkoLFkk fjQstesaV ds fdlh izLrko ds ckjs esa
,l,Q,lh dks Hkh lwfpr djsaxh rFkk ,slhs fdlh izkoLFkk dks f;kfUor djus ds iwoZ os ,l,Q,lh
(d) Project Specific Information

In addition to the above standard reporting by Notified Financial Institution, it would also
provide SFAC with project specific information, if any, sought by it from time to time.
(e) Field Visits
As part of due diligence, SFAC will through its officials or authorized representatives
undertake field visits to ascertain backward linkages with the farmers, feasibility of the
site, availability of raw material, etc.
SFACs Officers/representatives will undertake field visits independently or in association
with the lending Notified Financial Institution or State Government/State SFAC to monitor
the implementation of the project.
(f) Change of Bank during currency of VCA
Entrepreneur through their Lending Notified Financial Institution will obtain prior permission
from the SFAC for change of bank. This facility can be availed by the promoter only once
in the tenure of the Venture Capital Assistance.
(g) Monitoring performance of the Scheme at DAC level
SFAC will submit to DAC a statement twice every year, giving a summary account of i)
year-wise total number of projects and VCA amount sanctioned so far; ii) total number
projects including the total amount of which recovery of VCA has become due and actual
recovery as against the due amount of recovery; iii) details of default cases and the
amount involved including action taken for recovery in such cases as also action taken
for write off in critical cases, if any.
10. Implementation period

The Scheme will be implemented during 2012-17 in the XII Plan with a central assistance
of `500.00 Crores.
11. Implementing Agency

The Scheme will be implemented by Small Farmers Agribusiness Consortium (SFAC), a registered
society functioning under Department of Agriculture & Cooperation, Ministry of Agriculture.
12. General awareness, publicity and training

programme
Services of Notified Financial Institutions will also be engaged for sensitizing the officials
of the Notified Financial Institutions and other functionaries about the Scheme. SFAC will
undertake publicity through multiple media format to generate mass awareness about the
Scheme, especially in States and regions which were under-served in the XI Plan.
Services of banking institutions will also be engaged for sensitizing the Branch Managers
and other functionaries about the Scheme.
13. Power to make amendments to the Scheme

Within the overall financial ceiling of the Venture Capital Scheme, modification in operating
procedures that are not of a financial nature may be made by DAC.
ls ijke'kZ ysaxhA rFkkfi] cSad ls lkof/k _.k ds izkoLFkk rFkk ohlh, dks mlh le; ysus ds
fdlh izLrko ij ,l,Q,lh dh iwoZ vuqefr ysuk vfuok;Z gSA m|eh ckn dh frfFk esa ohlh, esa
fdlh izdkj dk ifjorZu ekU; ugha gksxk ;fn lkof/k _.k ds ifjorZu ds le; cSad }kjk bldh
vuqefr ugha yh xbZ gksA gkykafd] vfklwfpr fokh; laLFkkvksa@izorZdksa }kjk ohlh, ds ifjorZu ds
fy, flQZ ,d ckj vuqjks/k fd;k tk ldrk gSA
?k ifj;kstuk&fo'ks"k ds ckjs esa lwpuk
vfklwfpr fokh; laLFkk mi;qDr ekud fjiksfVax ds vfrfjDr] ,l,Q,lh dks le;≤ ij mlds
Z
}kjk ekaxs tkus ij fdlh ifj;kstuk fo'ks"k ds ckjs esa okafNr lwpuk ;fn dksbZ gks rks iznku djrh
jgsxhA
QhYM nkSjs
fof/kor rRijrk ds rkSj ij ,l,Q,lh ds vf/kdkjh ;k vf/kr izfrfuf/k foi.ku lqfo/kk,a cSdokMZ
fyadst] dk;Z LFky dh O;ogk;Zrk] dPps eky dh miyC/krk vkfn dks lqfuf'pr djus ds fy,
fdlkuksa ds QhYM dk nkSjk djsaxsA
ifj;kstuk ds dk;kZUo;u dh fuxjkuh gsrq ,l,Q,lh ds vf/kdkjh Lora= :i ls vFkok
_.knkrk vfklwfpr fokh; laLFkk ;k jkT; ljdkj@jkT; ,l,Q,lh ds lg;ksx ls [ksrksa dk
Hkze.k djsxA
a s
p ohlh, ds tkjh jgus ds nkSjku cSad dks cnyuk
m|eh vius dtZnkrk vfklwfpr fokh; laLFkku ds ek;e ls cSd dks cnyus ds fy, ,l,Q,lh
a
ls iwoZ vuqefr kIr djsxkA m|e iwth lgk;rk dh vofk esa orZd }kjk bl lqfokk dk
a
mi;ksx flQZ ,d ckj gh fd;k tk ldrk gSA
N Mh,lh Lrj ij ;kstuk ds dk;Z&fu"iknu dh fuxjkuh
,l,Q,lh] ,d o"kZ esa nks ckj fuEukuqlkj [kkrs dk lkjka'k nsrs gq, Mh,lh dks ,d fooj.k
Lrqr djsxhA i ifj;kstukvksa dh o"kZ&okj dqy la[;k vkSj vc rd Lohr ohlh, jkf'k]
ii ifj;kstukvksa dh dqy la[;k ftlesa ohlh, dh olwyh dh dqy jkf'k tks fd ns; gks xbZ gS
rFkk olwyh dh ns; jkf'k ds fo:) okLrfod olwyh vkSj iii vnk;xh esa pwd okys ekeyksa dk
C;kSjk vkSj mudh jkf'k ftlesa ,sls ekeyksa esa olwyh ds fy, dh xbZ dkjokbZ rFkk xaHkhj ekeyksa
esa jkbV vkWQ gsrq dh xbZ dkjokbZA
10- dk;kZUo;u vof/k
bl ;kstuk dks `500-00 djksM+ dh dsanzh; lgk;rk ls ckjgoha ;kstuk esa 2012&17 ds nkSjku f;kfUor
fd;k tk,xkA
11- dk;kZUo;u djus okyh ,tsalh

;g ;kstuk f"k ea=ky; ds f"k ,oa lgdkfjrk foHkkx ds vUrxZr iathr laLFkk y?kq "kd
f"k O;kikj la?k ,l,Q,lh }kjk dk;kZfUor dh tk,xhA
12- lkoZtfud tkx:drk] izpkj rFkk izf'k{k.k dk;Ze
vfklwfpr fokh; laLFkkvksa dh lsokvksa dks vfklwfpr fokh; laLFkkvksa ds dkfeZdksa rFkk vU; dk;ZdrkZvksa
dks bl ;kstuk ds ckjs esa laonu'khy cukus ds fy, Hkh mi;ksx esa yk;k tk,xkA ,l,Q,lh fofo/k izdkj
s
ds ehfM;k izk:iksa ds ek/;e ls bldk izpkj djsxs rkfd ;kstuk ds ckjs esa O;kid tkx:drk iSnk dh
a
tk lds] fo'ks"kdj mu jkT;ksa vkSj {ks=ksa esa tgka X;kjgoha ;kstuk esa bl ij iw.kZ /;ku ugha fn;k x;kA
13- ;kstuk esa la'kks/ku djus dk vf/kdkj
m|e iwath ;kstuk dh laiw.kZ fokh; lhek ds Hkhrj ,slh lapkyu izf;k,a tks fd fokh; izdkj dh
ugha gSa] esa Mh,lh }kjk la'kks/ku fd, tk ldrs gSaA
(Model Format)
Memorandum of Understanding between
Small Farmers Agribusiness Consortium
New Delhi
(Department of Agriculture & Cooperation Ministry of

Agriculture) and the Notified Financial Institution
This MOU is signed on the ________ day of __________ month__________ year at _________ by
Small Farmers Agribusiness Consortium (a Society Registered under Registration of Societies Act
1860) registered office at NCUI Auditorium Building, 5th Floor, 3 Siri Institutional Area, August Kranti
Marg, Hauz Khas, New Delhi - 110 016, which includes its successors/ assigns etc., hereinafter
called SFAC on the first part and ____________ Bank/Financial Institution (hereinafter referred
to as Notified Financial Institution which expression that unless repugnant to the context herein
shall mean and include its assigns and successors) with registered office at______________ on
the other part.
1. SFACs focus is to attract private investment for setting up of projects that will link farmers
& producer groups to markets, thereby substantially enhancing the opportunities for growth
through commercial business activity.
2. The objective sought to be achieved by SFAC in discharging its duties are _______________
Venture Capital Assistance and Project Development Assistance to qualifying projects through
participating Notified Financial Institution.
3. This agreement for SFAC Venture Capital Assistance operations with participating lending
Notified Financial Institution will synergize their functions, competencies and projected sector
development.
4. Whereas the Notified Financial Institution, in furtherance of its desire to play an active role in
participation and promotion of investments in qualifying agribusiness projects and to coordinate

the related activities with SFAC, is prepared to make available term loans/ working capital
10
uewuk izi=k
y?kq "kd f"k O;kikj la?k] ubZ fnYyh
f"k ,oa lgdkfjrk foHkkx] f"k ea=kky;
rFkk vfklwfpr fokh; laLFkk
ds chp le>kSrk Kkiu
;g le>kSrk Kkiu&&&&&&&&&fnu&&&&&&ekg&&&&&&o"kZ &&&&&& dks y?kq "kd f"k O;kikj la?k lfefr;k
vfkfu;e] 1860 ds vUrxZr ,d iathr lfefr] ftldk iathr dk;kZy;] ,ulh;wvkbZ lHkkxkj Hkou] ikapoka
ry] 3 fljh vkS|ksfxd {ks=] vxLr kafr ekxZ] gkSt [kkl] ubZ fnYyh & 110016 esa fLFkr gS rFkk ftles
blds mkjkf/kdkjh@lEcn~/k vkfn lfEefyr gSa] rFkk ftls blds i'pkr ,l,Q,lh dgk tk,xk Fke i{k ds
:i esa rFkk&&&&&&&cSad@fokh; laLFkk ftls vc ^vfklwfpr fokh; laLFkk* dgk tk,xk] ftlls vfHkizk;%
mlesa lfEefyr lEcn~/k rFkk mkjkf/kdkjh gksaxs ftldk iathr dk;kZy;&&&&&&&fLFkr gS] nwljk i{k gSA
1- l,Q,lh
,
dk eq[; dsUnz fcUnq ifj;kstuk,a LFkkfir djus ds fy, futh fuos'k dks vkdf"kZr djuk gS
tks "kdksa o mRiknd lewgksa dks cktkj ls tksM+sxh ftlls okf.kfT;d O;kikj xfrfof/k ds ek/;e ls
fodkl ds voljksa dks c<+kok feysxkA
2- ius
v
dk;Z&fuokZg esa ,l,Q,lh }kjk ftu mn~ns'; dh izkfIr vHkh"V gS os gSa&&&& lgHkkxh vfklwfpr
fokh; laLFkk ds ek/;e ls vgrZrk izkIr ifj;kstukvksa dks m|e iwath lgk;rk rFkk ifj;kstuk fodkl
lgk;rk lqyHk djkukA
3- g djkj ,l,Q,lh dh m|e iwth lgk;rk ds izpkyu ds fy, lgHkkxh _.knkrk vfklwfpr fokh; laLFkk
;
a
ds lkFk gS tks muds dk;ks] l{kerk vkSj yf{kr {ks= ds fodkl dh ;kstukvksa dks lg;ksftr djsxkA
4- gha vfklwfpr fokh; laLFkk vgrkZ izkIr f"k O;kikj ifj;kstukvksa esa fuos'kksa esa lgHkkfxrk o izkRs lkgu esa
o
,d lf; Hkwfedk fuHkkus dh viuh vkdka{kk dks c<+krs gq, rFkk ,l,Q,lh ds lkFk lacf/kr xfrfof/k;ksa
a
esa leUo;u LFkkfir djus gsrq vgrZrk izkIr f"k&O;kikj ifj;kstukvksa dks lkof/kd _.k@dk;Zjr iwth eqg;k
a
S
djkus dks rS;kj gSA cSd ,d gh LFkku ij lHkh lqfo/kk,a miyC/k djkds ,l,Q,lh dh m|e iwth lgk;rk
a
a
ohlh, rFkk ifj;kstuk fodkl lgk;rk ihMh, ds foLrkj esa lgk;rk Hkh djsxhA
,xzhfct+usl fodkl ds fy, m|e iwath lgk;rk ;kstuk&fn'kk funsZ'k 10
to qualifying agribusiness projects and also facilitate extension of SFACs Venture Capital Assistance
(VCA) and Project Development Assistance (PDA) through a single window approach.
5. For the purpose of synergizing the efforts of SFAC for Promoting agribusiness Development
in the country with the Notified Financial Institutions expertise in extending loans to viable
agri- projects, SFAC and the Notified Financial Institution do hereby agree to cooperate with
each other, for the development of agribusiness Sector and related areas and enter into this
Memorandum of Understanding (MOU).
6. Whereas SFAC and the Notified Financial Institution are desirous of establishing a formal
operational framework to achieve the objectives of agribusiness.
7. Whereas SFAC, in order to achieve its objective desired to associate with the Notified Financial
Institution for disbursement of VCA and PDA (for preparation of DPR by SFAC empanelled
consultants) to agribusiness projects and to attract private investment for setting up of projects
that will link farmers and producers groups to markets, thereby substantially enhancing the
opportunities for growth through commercial business activity which in turn will generate ample
employment opportunities for rural unemployed and the Notified Financial Institution agreed
to disburse the same and to provide term loans/ working capital to such qualified agribusiness
projects and serve as a single window facility on the following terms and conditions:
The Abbreviations and Terms Used in Mou

Qualifying project for VCA - Project qualifying for Venture Capital Assistance (VCA) provided
by SFAC would be one which (a) is dependent upon agriculture or allied sector or related to
agricultural services. Poultry and dairy projects will also be covered under the Scheme (b)
provides assured market to farmers/producer groups (c) encourages farmers to diversify into
high value crops aimed to increase farm incomes and (d) is accepted by the Notified Financial
Institution for grant of project term loans after satisfactory techno- commercial feasibility.
Qualifying project for PDF- A project qualifying for assistance from the PDF will be qualifying
project for VCA set up by producers groups/agribusiness groups with minimum project cost of `15
lakhs (`10.00 lakhs in case of North-Eastern and Hilly States (Uttarakhand, Himachal Pradesh,
Jammu & Kashmir)) and which has been accepted in principle for considering sanction of term
loan by a Notified Financial Institution on the basis of Pre- feasibility report.
Project Development Facility (PDF) of SFAC maintains a pool of qualified skilled consultants to
render services at low cost to producer groups/agribusiness groups.
Project Development Assistance (PDA) is a scheme under which financial support is provided
to producer groups/agribusiness groups for preparation of DPR by SFAC.
Detailed Project Report (DPR) is the document providing all necessary details and projections
relating to the project, which would enable Notified Financial Institution to evaluate viability of
the project.
Venture Capital Assistance (VCA) is the financial support provided by SFAC for qualifying projects
to meet shortfall in the capital required for implementation of the project. VCA will be treated as
part of equity during the currency of the bank loan and thereafter converted to a loan based on an
agreement to be executed between SFAC and the borrower.
11
5- ;ogk;Z
O
f"k ifj;kstukvksa dks _.k nsus esa vfklwfpr fokh; laLFkkvksa dh fo'ks"kKrk ds lkFk ns'k esa
f"k O;kikj ifj;kstuk fodkl dks c<+kok nsus ds fy, ,l,Q,lh ds iz;klksa ds lkFk rkyesy LFkkfir
djus ds mn~ns'; ls] ,l,Q,lh vkSj vfklwfpr fokh; laLFkk ,rn}kjk f"k O;kikj {ks= rFkk lacaf/kr
{ks=ksa ds fodkl ds fy, ijLij :i ls bl le>kSrk Kkiu dks Lohdkj djus ds fy, lger gSaA
6- g fd] ,l,Q,lh vkSj vfklwfpr fokh; laLFkk nksuksa f"k O;kikj ds mn~ns';ksa dks izkIr djus ds fy,
;
,d vkSipkfjd izpkyukRed lajpuk LFkkfir djus ds bPNqd gSA
7- g fd] ,l,Q,lh vius mn~n';ksa dh izkfIr ds fy, vfklwfpr fokh; laLFkk ds lkFk lg;ksx djus dks
;
s
bPNqd gS rkfd f"k O;kikj ifj;kstukvksa dks ohlh, rFkk ,l,Q,lh }kjk lwphc) ijke'kZdksa }kjk Mhihvkj
rS;kj djus ds fy, ihMh, fn;k tk lds rFkk ifj;kstukvksa dks yxkus ds fy, futh fuos'k dks vkdf"kZd
fd;k tk ldsA ;s ifj;kstuk,a "kdkas vkSj mRiknd lewgksa dks cktkjksa ls tksM+xhA ftlls okf.kT; O;kikj
s
xfrfof/k ds ek/;e ls fodkl ds voljksa esa dkQh o`f) gksxh rFkk cnys esa xzkeh.k csjkstxkjksa ds fy, izpj
q
ek=k esa jkstxkj ds volj iSnk gksxA vfklwfpr fokh; laLFkk bu vgrZrk izkIr f"k O;kikj ifj;kstukvksa dks
a s
lkofkd _.k rFkk dk;Zxr iwth lqyHk djkus o mudk forj.k djus ds fy, lger gS rFkk fuEufyf[kr
a
fu;eksa o 'krksaZ ij ,d gh LFkku ij lHkh lqfo/kk,a lqyHk djkus dh lsok nsus gsrq lger gS%
le>kSrk Kkiu esa bLrseky fd, x, laf{kIr 'kCn o 'kCnkofy;k

ohlh, gsrq ifj;kstuk dh vgZrk ;k ik=rk% ,l,Q,lh }kjk lqyHk djk;h tkus okyh m|e iwath
lgk;rk ohlh, ds fy, vgZrk izkIr ifj;kstuk og gksxh tks d ohlh, gsrq ifj;kstuk dh vgZrk ;k
ik=rk mlds d`f"k ;k mlls tqM+s {ks=ksa ;k d`f"k lsokvksa ls lacaf/kr gksuh pkfg,A bl ;kstuk ds rgr
eqxhZikyu iksYVh rFkk Ms;jh ifj;kstuk,a Hkh 'kkfey gksaxhA [k os ifj;kstuk,a tks fdlkuksa@mRiknd
lewgksa dks lqfuf'pr cktkj iznku djrh gksa bl ;kstuk esa 'kkfey gksaxhA x fdlkuksa dks f"k vk; c<+kus
ds mn~ns'; ls mPp dher dh Qlyksa dh vksj fofo/khdj.k djus dks izksRlkfgr djrh gksa ?k larks"ktud
rduhdh&okf.kfT;d O;ogk;Zrk ds ckn ifj;kstuk lkof/kd _.k dks eatwj djus ds fy, vfklwfpr fokh;
laLFkk dks Lohdk;Z gksA
ihMh,Q gsrq ;ksX; ifj;kstuk% ihMh,Q ls lgk;rk gsrq ,d ;ksX; ifj;kstuk og gksxh ftls mRiknd
f"k O;kikj leqgksa }kjk LFkkfir fd;k x;k gks rFkk ftldh U;wure ifj;kstuk ykxr `15 yk[k iwoksZkj
rFkk igkM+h jkT;ksa mkjk[kaM] fgekpy izns'k] tEew vkSj d'ehj ds fy, `10 yk[k gks rFkk ftls
iwoZ&O;ogk;Zrk fjiksVZ ds vk/kkj ij fdlh vfklwfpr fokh; laLFkk }kjk lkof/k _.k dh Lohfr gsrq
fl)kar% vuqeksfnr fd;k x;k gksA
ifj;kstuk fodkl lqfo/kk ihMh,Q% ,l,Q,lh dh ;g lqfo/kk mRiknd lewgksa@f"k O;kikj lewgksa dks
fuEu ykxr ij viuh lsok,a lqyHk djkus gsrq ;ksX;rk izkIr@dq'ky ijke'kZdksa dk ,d fudk; gSA
ifj;kstuk fodkl lgk;rk ihMh,% ;g ,d ,slh ;kstuk gS ftlds varxZr ,l,Q,lh }kjk Mhihvkj dh
rS;kjh ds fy, mRiknd lewgksa@f"k O;kikj lewgksa dks fokh; lgk;rk nh tkrh gSA
foLr`r ifj;kstuk izfrosnu Mhihvkj% og nLrkost gksrk gS ftlesa ifj;kstuk ls lacaf/kr lHkh vko';d
fooj.kksa rFkk iz{ksi.kksa dk C;kSjk gksrk gS ftlls vfklwfpr fokh; laLFkkvksa dks ifj;kstuk dh O;ogk;Zrk ds
ewY;kadu esa lgk;rk feyrh gSA
m|e iwath lgk;rk ohlh,% ;g vgrZrk izkIr iwth ;kstukvksa ds fy, ,l,Q,lh }kjk lqyHk djkbZ tkus
a
okyh og fokh; lgk;rk gS tks ifj;kstuk ds dk;kZUo;u ds fy, vko';d iwth esa deh dks iwjk djrh gSA
a
ohlh, cSd _.k ds nkSjku bfDoVh ds :i esa ekuh tk,xh rFkk blds ckn ;g ,l,Q,lh vkSj _.knkrk ds
a
chp gksus okys djkj ds vk/kkj ij ,d _.k ds :i esa ifjofrZr gks tk,xhA
8. Responsibilities of the Notified Financial

Institution
Project Development
(a) The Notified Financial Institution has branches and operations in different parts of the
country and they are closely linked and accessible to producers and entrepreneurs in
the areas covered by their branch network. The producer groups/ entrepreneurs/trained
agribusiness graduates/ units in Agricultural Export Zone (AEZ) (called applicant) desirous
of seeking PDA can approach nearest branch of the Notified Financial Institution along
with pre- feasibility report or such other documents giving details of the proposed project
for the consideration of the Notified Financial Institution. Such persons may also directly
approach SFAC seeking assistance for preparation of DPR under PDA scheme.
(b) The Notified Financial Institution will examine the pre- feasibility report and on being
about the background of the promoters and prima facie acceptability of the project, will
record their observations and direct the proposal to SFAC for assistance in preparation
of DPR by one of the consultants in their panel. The Notified Financial Institution may
also directly forward the case to SFAC empanelled consultant for taking up the study
on the terms and conditions stipulated by SFAC under advice to SFAC.
(c) In respect of cases referred to a consultant directly by the Notified Financial Institution,
payment will be made from the funds received from SFAC for preparation of DPR as
per the terms and conditions specified by SFAC.
(d) The Notified Financial Institution will release the cost of preparation of DPR to those
projects found viable depending on the size, location, and linkage issues on a case-tocase basis from the SFAC fund. Intending projects must be over `15 lakhs ( `10 lakhs
in case of NE States and other hilly areas) in size.
(e) The schedule of fee payable to empanelled consultants under Venture Capital
Assistance Scheme for Agribusiness Development is summarized below:

Category-I : (Project size between `10.00 lakh to `25.00 lakh)

Total fee : `25000.00 (Rupees Twenty Five Thousand Only).

Category-II : (Project size above `25.00 lakh and upto `1.00 Crore)

Total fee : `50000.00 (Rupees Fifty Thousand Only).

Category-III : (Project size above `1.00 Crore and upto `3.00 Crore)

Total fee : `75000.00 (Rupees Seventy Five Thousand Only).

Category-IV : (Project size above `3.00 Crore and upto `5.00 Crore)

Total fee : `100000.00 (Rupees One Lakh Only).

Terms of payment of all Categories: The fee will be paid to empanelled consultants in
three stages:
(i) 20% after submission of DPR and other documents to the bank.
(ii) 40% after sanction of term loan by Notified Financial Institution with provision of
VCA.
(iii) 40% after sanction and disbursement of VCA by SFAC.
(f) Agribusiness projects will need to be directly linked to the bank to avail project term
loans. The Notified Financial Institution will have the flexibility to syndicate any part of
the project term loan to other Notified Financial Institution.
(g) The DPR received from SFAC or directly from the consultant will be examined in detail
by the Notified Financial Institution for sanction of term loan and release of venture
capital. A copy of the term loan sanction advice to the borrower will also forwarded to
SFAC for their record.
(h) The Notified Financial Institution will maintain separate account for SFAC funds.
12
8- vfklwfpr fokh; laLFkk dk mkjnkf;Ro

ifj;kstuk fodkl
d vfklwfpr fokh; laLFkk ns'kHkj ds fofHkUu Hkkxksa esa viuh 'kk[kkvksa rFkk izpkyu gksrs gSa rFkk os
fudVre :i ls lacfkr gksrs gSaA os viuh 'kk[kkvksa dh lajpuk ds }kjk lacaf/kr {ks=ksa esa mRikndksa
vkSj m|fe;ksa dh igqp esa gksrs gSaA ihMh,Q bPNqd mRiknd lewg@m|eh@izf'kf{kr f"k O;kikj
Lukrd@f"k fu;kZr {ks= esa bdkb;k ftUgsa vkosnd dgk x;k gS cSad dh fudVre 'kk[kk ls
laidZ dj ldrs gSaA os cSad ds fopkjkFkZ izLrkfor ifj;kstuk dh iwoZ&laHkkO; fjiksVZ ;k ifj;kstuk
dk fooj.k n'kkZus okys nLrkost izLrqr dj ldrs gSaA ;g O;fDr ihMh,Q ;kstuk ds varxZr
Mhihvkj rS;kj djus ds fy, lgk;rk izkIr djus gsrq ,l,Q,lh ls lh/ks Hkh lEidZ LFkkfir dj
ldrs gSaA
[k vfklwfpr fokh; laLFkk iwoZ&laHkkO;rk fjiksVZ dh leh{kk djsxk rFkk izeksVlZ dh i`"BHkwfe o
ifj;kstuk dh rkRdkfyd Lohfr ds ckjs esa larq"V gks tkus ds ckn] og viuk er ntZ djsxk
vkSj izLrko dks ,l,Q,lh ds ikl mlds lwphc) ijke'kZdksa esa ls fdlh ,d ls Mhihvkj rS;kj
djokus gsrq HkstsxkA vfklwfpr fokh; laLFkk ekeys dks ,l,Q,lh }kjk of.kZr fu;e o 'krksZa ij
v/;;u djus ds fy, ,l,Q,lh ds lwphc) ijke'kZd ds ikl lh/ks Hkh Hkst ldrk gS ftl
dh lwpuk og ,l,Q,lh dks Hkh Hkst nsxkA
x vfklwfpr fokh; laLFkk }kjk ekeyksa dks lh/ks ijke'kZd dks Hksts tkus ij] Mhihvkj rS;kj djus ds fy,
,l,Q,lh ls izkIr dks"kksa ls] ,l,Q,lh }kjk fufnZ"V fu;e o 'krksaZ ds vuq:i] Hkqxrku dj nsxkA
?k vfklwfpr fokh; laLFkk izR;sd ekeys ds vk/kkj ij Mhihvkj rS;kj djus dh ykxr mUgha
ifj;kstukvksa dks ,l,Q,lh dks"k ls tkjh djsxk tks vkdkj] txg vkSj tqM+ko tSls eqn~nksa ij
O;ogkFkZ ik, tk,axsA ifj;kstuk,a vkdkj esa `15 yk[k #i;s iwoksZkj jkT;ksa o vU; ioZrh; {ks=ksa
ds ekeyksa esa `10 yk[k #i;s ls vf/kd dh gksuh pkfg,A
f"k O;kikj fodkl ds fy, ospj dSfiVy lgk;rk ;kstuk ds rgr iSuy esa 'kkfey lykgdkjksa
a
dks ns; 'kqYd dh vuqlph la{ksi esa fuEu gS%
w
a
Js.kh&I% `10-00 yk[k ls `25-00 yk[k rd dh ifj;kstuk ds fy,
dqy 'kqYd% `25]000-00 :i, iPphl gtkj dsoyA
Js.kh&II% `25-00 yk[k ls vfkd rFkk `1-00 djksM+ rd dh ifj;kstuk ds fy,
dqy 'kqYd% `50]000-00 :i, ipkl gtkjA
Js.kh&III% `1-00 djksM+ ls vfkd rFkk `3-00 djksM+ rd dh ifj;kstuk ds fy,
dqy 'kqYd% `75]000-00 :i, ipgkj gtkj ek=A
Js.kh&IV% `3-00 djksM+ ls vfkd vkSj ` 5-00 djksM+ rd dh ifj;kstuk ds fy,
dqy 'kqYd% `100]000-00 ,d yk[k :i, dsoyA
lHkh Jsf.k;ksa dks Hkqxrku dh 'krs% iSuy lykgdkj dks 'kqYd rhu pj.kksa esa Hkqxrku fd;k tk,xk%
cSa
i d dks Mhihvkj vkSj vU; nLrkostksa dks Lrqr djus ds ckn 20 fr'kr HkqxrkuA
ii hlh, ds kokku lfgr vfklwfpr fokh; laLFkk }kjk fe;knh _.k dh eatjh ds ckn 40 fr'krA
o
w
iii _.k dh eatjh rFkk ,l,Q,lh }kjk ohlh, ds forj.k ds ckn 40 fr'krA
w
p ifj;kstuk lkof/kd _.kksa dks izkIr djus gsrq f"k O;kikj ifj;kstukvksa dks cSd ds lkFk izR;{kr% tksMuk vko';d
a
+
gksxkA vfklwfpr fokh; laLFkk ds ikl ifj;kstuk ds lkof/kd _.k ds fdlh Hkh Hkkx dks vU; cSdksa dks
a
la/khr djus dk izko/kku gksxkA
N lkof/kd _.k Lohr rFkk m|e iwth dks tkjh djus ds fy, vfklwfpr fokh; laLFkk }kjk ,l,Q,lh ;k ijke'kZd ls
a
lh/ks izkIr Mhihvkj dh foLr`r tkap dh tk,xhA _.knkrk dks fn, x, lkof/kd _.k Lohfr
ds i= dh ,d izfr] fjdkMZ gsrq ,l,Q,lh dks Hkh vxzlfjr dh tk,xhA
t ,l,Q,lh fuf/k ds fy, vfklwfpr fokh; laLFkk vyx ls [kkrk j[ksxkA
9. Venture Capital Assistance

9.1 As part of term loan appraisal in respect of proposals received from the entrepreneurs or
agriculture producer groups for sanction of agricultural term loans. The Notified Financial
Institution will indicate the amount of venture capital support from SFAC while working
out the funding pattern for qualifying projects. Projects qualifying for venture capital
assistance from SFAC:
Are dependent upon agricultural or allied produce

Provide direct access to producers as assured markets
Encourage farmers to diversify into high value crops aimed to increase farm
income
Are accepted by the Notified Financial Institution for grant of project term loans after
satisfactory techno- commercial feasibility.
9.2
The quantum of SFAC venture capital assistance will depend on the project cost and
will be the lowest of the following:
`50 lakhs
Higher venture capital assistance can be considered by SFAC to deserving projects on
merit and/ or to projects that are located in remote and backward areas, northeastern
and hilly States and projects promoted by States/State SFACs.
For qualifying projects conforming to the criteria mentioned under Para 9.1 above,
Notified Financial Institution while considering sanction of term loan for project
implementation and tying up the means of finance to meet the total project. The
Notified Financial Institution will evaluate the quantum of VCA required keeping in view
the stipulations contained in Para 9.2 and 9.3., the Notified Financial Institution will
write to SFAC giving details of the project, its cost and indicating the quantum of VCA
recommended for tying up means of financing. The Notified Financial Institution will
also indicate when the venture capital funds will be required for project implementation.
SFAC will place the proposal before its investment committee and communicate to
the Notified Financial Institution the quantum of VCA approved for the project.
In case any clarification is needed to determine if projects are qualifying projects or not,
the Notified Financial Institution can refer them to SFACs Project Development Facility,
Division of SFAC & PDF Division, who will investigate such proposals which may include
site visits and respond to the Notified Financial Institution within 30 days.
The Notified Financial Institution will provide SFAC with full details of the terms and
conditions under which the term loan is sanctioned including repayment scheduled fixed
for the loan. The bank will also keep SFAC posted of the progress in implementation of
the project from time to time after the project become operational. The Notified Financial
Institution will keep SFAC posted of the performance of the unit on an yearly basis and
keep SFAC informed of any unsatisfactory features noticed in the working of the project
as and when it occurs. SFAC will have no charge during the currency of the term loan.
Once the term loan is fully repaid, the Notified Financial Institution will advise SFAC of
the position to enable them to convert their venture capital funding into a loan repayable
as per the agreement entered by SFAC with the promoters. During the pendency of loan,
the Notified Financial Institution will have charge over the primary/collateral securities
(including FDR) available with the beneficiary and the said securities will not be released
by bank to beneficiary or other institutions till full refund of VCA to SFAC.
The Notified Financial Institution will release the term loan in one go or as per the progress
in the project implementation after completion of documentation formalities. The funds
received from SFAC will be retained in a separate account and released for the project
implementation as and when requested by the applicant.
9.3
9.4
9.5
9.6
9.7
13
9- m|e iwath lgk;rk
9-1 f"k lkof/kd _.kksa dks Lohfr ds fy, m|fe;ksa ;k f"k mRiknd lewgksa ls izkIr izLrkoksa ds
laca/k esa lkof/kd _.k ewY;kadu ds fgLls ds :i esa] vgrZrk izkIr ifj;kstukvksa ds fy, fok
iks"k.k ds rjhds dh :ijs[kk cukrs le;] vfklwfpr fokh; laLFkk ,l,Q,lh ls feyus okyh m|e
iwath lgk;rk dh jkf'k dk mYys[k djsxkA ,l,Q,lh ls m|e iwath lgk;rk dh vgrZrk izkIr
djus ds fy, ifj;kstuk dks%
os f"k ;k blls lEc) mRikn ij vkfJr gksaA
fuf'pr cktkj ds :i esa mRikndksa dks lh/ks igqp lqyHk djkrh gksaA
fdlkuksa dks mudh f"k vk; c<+kus ds mn~n'; ls mPp ewY; okyh Qlyksa dh [ksrh dh vksj
s
c<+us ds fy, izkRlkfgr djrh gksA
s
larks"ktud rduhdh okf.kT;d laHkkO;r% ds ckn ifj;kstuk lkof/kd _.kksa ds vuqeksnu ds
fy, vfklwfpr fokh; laLFkk }kjk Lohfr gksaA
9-2
,l,Q,lh dh m|e iwath lgk;rk dh ek=k ifj;kstuk dh ykxr ij fuHkZj djsxh rFkk fuEukafdr
esa ls U;wure gksxh%
`50-00 yk[k
9-3 ,l,Q,lh }kjk vf/kd m|e iwath lgk;rk ds fy, ik= ;kstukvksa dks ;ksX;rk ds vk/kkj ij
rFkk@;k mu ifj;kstukvksa ij fopkj fd;k tk ldrk gS tks nwjnjkt fiNM+s {ks=ksa] mkj&iwohZ o
ioZrh; jkT;ksa rFkk jkT;ksa@jkT;ksa dh ,l,Q,lh }kjk izksUur ifj;kstuk,a gksA
9-4 mi;qDr iSjk 9-1 ds varxZr n'kk;s x, ekin.M dks iwjk djus okyh vgrZrk izkIr ifj;kstukvksa ds
Z
fy, ifj;kstuk dk;kZUo;u gsrq lkof/kd _.k dh Lohfr rFkk lEiw.kZ ifj;kstuk dks iwjk djus esa gksus
okys dqy O;; dh fok O;oLFkk dks tksMus ij fopkj djrs le;] vfklwfpr fokh; laLFkk iSjk 9-2
+
rFkk 9-3 esa of.kZr t:jrksa dks /;ku esa j[krs gq, vko';d ohlh, dh ek=k dh leh{kk djsxh pwfd
a
lkofkd _.k dh Lohfr rFkk tkjh djuk ,l,Q,lh ls izkIr gksus okyh ohlh, jkf'k dh miyC/krk
ij fuHkZj djsxh] vr% vfklwfpr fokh; laLFkk ,l,Q,lh dks ifj;kstuk dk fooj.k] bldh ykxr rFkk
fok&iks"k.k ds rjhdksa ds fy, vuq'kaflr ohlh, dh ek=k ds ckjs esa fy[ksxhA vfklwfpr fokh; laLFkk
;g Hkh crk,xh fd ifj;kstuk dk;kZUo;u ds fy, m|e iwth lgk;rk ds dks"kksa dh dc vko';drk
a
gksxhA ,l,Q,lh izLrko dks fuos'k lfefr ds lEeq[k j[ksxk rFkk ifj;kstuk ds fy, Lohr ohlh,
dh ek=k ds ckjs esa vfklwfpr fokh; laLFkk dks lwfpr djsxhA
a
9-5 ifj;kstukvksa dh vgrZrk ds fu/kkZj.k esa fdlh Hkh izdkj ds Li"Vhdj.k dh vko';drk dh fLFkfr
esa vfklwfpr fokh; laLFkk ,sls ekeyksa dks ,l,Q,lh dh ifj;kstuk fodkl lqfo/kk ihMh,Q]
,l,Q,lh ds ikl vxzlfjr dj ldrk gS tks ,sls izLrkoksa dh tkap djsxkA blesa LFky Hkze.k
Hkh 'kkfey gks ldrk gSA blds ckn og cSad dks 30 fnu ds Hkhrj bl ckjs esa crk,xkA
9-6 vfklwfpr fokh; laLFkk ,l,Q,lh dks mu lHkh fu;e o 'krksaZ dk iwjk fooj.k lqyHk djk,xh
ftuds varxZr lkof/kd _.k Lohr fd;k x;k gS blesa _.k dh vnk;xh ds fy, fu/kkZfjr iquHkqxrku
Z
lkj.kh lfEefyr gksxhA ifj;kstuk ds izkjaHk gks tkus ds ckn] le;≤ ij ifj;kstuk ds dk;kZUo;u
esa gksus okyh izxfr ds ckjs esa cSd ,l,Q,lh dks voxr djkrk jgsxkA vfklwfpr fokh; laLFkk
a
okf"kZd vk/kkj ij ,l,Q,lh dks voxr djkrk jgsxkA vfklwfpr fokh; laLFkk okf"kZd vk/kkj ij
,l,Q,lh dks bdkbZ ds dk;Z fu"iknu ds ckjs esa tkudkjh nsrh jgsxh rFkk ifj;kstuk dh dk;Z iz.kkyh
esa ik;h xbZ fdlh vlarks"ktud fo'ks"krk ds ckjs esa ;Fkkle; ,l,Q,lh dks lwfpr djsxhA lkof/kd
_.k ds tkjh jgus ds nkSjku ,l,Q,lh dks dksbZ izHkkj ns; ugha gksxkA lkof/kd _.k dh vnk;xh
iwjh gks tkus ds ckn] vfklwfpr fokh; laLFkk ,l,Q,lh dks muds m|e iwth fok iks"k.k dks ,d
a
iquHkqxrku ;ksX; _.k esa ifjofrZr djus dh fLFkfr ds ckjs esa lykg nsxk djsxk tSlk fd ,l,Q,lh
Z
vkSj izeksVlZ ds chp le>kSrs esa mYys[k gSA _.k ds yafcr jgus ds nkSjku ykHkkFkhZ ds ikl miyC/k
a
izkFkfed@_.kk/kkj izfrHkwfr;ksa ,QMhvkj lfgr ij vfklwfpr fokh; laLFkk dk vfkdkj gksxk rFkk
ohlh, dh ,l,Q,lh dks iwjh jkf'k dh okilh rd bu izfrHkwfr;ksa flD;qfjVht dks ykHkkFkhZ ;k
vU; fdlh laLFkk ds uke ij tkjh ugha fd;k tk ldsxkA
9.8 In case of the failure of the project, the Notified Financial Institution may opt for a
compromise settlement or resort to legal recourse for recovery of their dues as per the
policy of the bank. While, the Notified Financial Institution will be free to take any such
decisions without seeking the concurrence of SFAC, SFAC will be informed of any such
decision taken to safeguard its interest.
9.9 The Notified Financial Institution will appoint a nodal officer for corresponding with SFAC
in all matters relating to sanction and release of assistance under venture capital or for
the preparation of DPR. The Notified Financial Institution may also provide SFAC with a
list of its regional/ Zonal offices for forwarding proposals received by SFAC and its state
functionaries/ state level SFACs for their consideration.
10. Responsibilities of SFAC

(a) SFACs Project Development Facility (PDF) will maintain a pool of pre- qualified skilled
consulting firms and individuals with specific skills to render services at low cost to
entrepreneurs and to lending Notified Financial Institution. SFACs PDF will address
gaps if any in agribusiness enterprise skills in an active hand holding manner. SFAC will
also look to take assistance of specialized agribusiness groups if some Notified Financial
Institution have the capability to undertake PDF role in line with the PDF and Venture
Capital Scheme.
(b) SFACs PDF is a generator of potential agribusiness projects which can attract investment
that will benefit the rural community through increased employment and incomes which
can be referred to the Notified Financial Institution.
(c) SFAC may assign the services of agri business specialists from SFACs PDF from time
to time to associate with periodic progress evaluation of SFACs VCA projects.
(d) SFAC will forward proposals received from state level functionaries/ state level SFACs
to the nodal officer of the Notified Financial Institution or regional/ zonal offices of the
Notified Financial Institution for their consideration.
(e) The PDF of SFAC will arrange to have DPR prepared by a consultant in its panel promptly
on receipt of request from the Notified Financial Institution after satisfying about prefeasibility report.
(f) SFAC will arrange to remit funds required for preparation of DPR under PDA immediately
on receipt of request from the Notified Financial Institution in respect of cases directly
referred to a consultant by them.
(g) On receipt of communication from Notified Financial Institution giving details of the
qualifying project for VCA, SFAC will place the proposal for VCA before its investment
committee and communicate sanction to the Notified Financial Institution and the borrower
SFAC will make VCA funds available for the project implementation through the Notified
Financial Institution immediately on receipt of the communication from the Notified
Financial Institution giving details of term loan/ working capital proposed to be sanctioned
by them.
14
9-7 vfklwfpr fokh; laLFkk lkof/kd _.k ds ifj;kstuk dh izxfr ds vuqlkj forj.k ds ckn] ,l,Q,lh
ls ohlh, ds :i esa izkIr jkf'k dks ,d vyx [kkrs esa j[ksxh rFkk nLrkostksa dh vkSipkfjdrkvksa ds
iwjk gksus ij _.kh dks ,deq'r vFkok ifj;kstuk dh izxfr ds vuqlkj _.kh ds ekaxus ij ifj;kstuk
ds dk;kZUo;u ds fy, tkjh djsxhA
9-8 ifj;kstuk ds foQy gks tkus dh fLFkfr es] vfklwfpr fokh; laLFkk viuh uhfr ds vuqlkj viuh
a
ysunkjh dh olwyh ds fy, ;k rks dkbZ fuiVku dj ldrh gS ;k dkuwuh rjhdksa dk lgkjk ys ldrs gSA
a
vfklwfpr fokh; laLFkk ,l,Q,lh dh iwouefr ds fcuk ,slk dksbZ Hkh fu.kZ; ysus ds fy, Lora= gksxh]
Zq
,l,Q,lh dks] muds fgrksa dh j{kk djus ds mn~n'; ls] ,sls fu.kZ; ls lwfpr dj fn;k tk,xkA
s
9-9 m|e iwath ds varxZr lgk;rk dh Lohfr ds tkjh djus vFkok Mhihvkj dh rS;kjh ds fy,
,l,Q,lh ds lkFk lHkh ekeyksa gsrq gksus okys i=kpkj ds fy, vfklwfpr fokh; laLFkk ,d
uksMy vf/kdkjh dh fu;qfDr djsxhA vfklwfpr fokh; laLFkk ,l,Q,lh vkSj blds jkT;ksa ds
vf/kdkfj;ksa] jkT;&Lrjh; ,l,Q,lh }kjk fopkjkFkZ izkIr izLrkoksa dks vxzlhr djus ds fy, vius
{ks=h; eaMy dk;kZy;ksa dh lwph Hkh ,l,Q,lh dks lqyHk djk,xhA
10- ,l,Q,lh ds mkjnkf;Ro
d ,l,Q,lh dh ifj;kstuk fodkl lqfo/kk ihMh,Q ,sls iwo&;ksX;rk izkIr dq'ky ijke'kZd QeksaZ vkSj
Z
O;fDr;ksa dk ,d fudk; j[ksxk ftuds ikl m|fe;ksa o _.knkrk vfklwfpr fokh; laLFkkvksa dks de
ewY; ij lsok,a nsus dh fof'k"V dq'kyrk gksxhA ,l,Q,lh dk ihMh,Q ,d lf; ,oa fo'oLr
rjhds ls f"k O;kikj m|e dh dq'kyrk esa ik, tkus okys varjksa ij fo'ks"k /;ku nsxkA ;fn dqN
vfklwfpr fokh; laLFkkvksa ds ikl ihMh,Q o m|e iwth ;kstuk dh Hkkafr ihMh,Q dh Hkwfedk fuHkkus
a
dh {kerk gksxh rks ,l,Q,lh fo'ks"kK f"k O;kikj lewg dh lgk;rk ysus dk Hkh iz;kl djsxkA
[k ,l,Q,lh dk ihMh,Q f"k O;kikj ifj;kstukvksa dh lgk;rk djus dk fudk; gS tks fuos'k dks
vkdf"kZr dj ldrk gSA ;s fuos'k jkstxkj vkSj vk; esa o`f) ds ek/;e ls xzkeh.k leqnk; dks
ykHk igqpk,axs rFkk bUgsa vfklwfpr fokh; laLFkk ds ikl vxzf"kr fd;k tk ldsxkA
s
x ,l,Q,lh viuh ohlh, ifj;kstukvksa dh izxfr ds ewY;kadu ds lkFk tqM+us ds fy, le;≤
ij ihMh,Q ls f"k O;kikj fo'ks"kKksa dh lsok,a ys ldrh gSA
?k ,l,Q,lh vius jkT;Lrjh; vf/kdkfj;ksa@jkT; Lrjh; ,l,Q,lh ls izkIr izLrkoksa vfklwfpr fokh;
laLFkk ds uksMy vf/kdkjh rFkk vfklwfpr fokh; laLFkk ds {ks=h; eaMy dk;kZy;ksa dks muds
fopkjkFkZ vxzlfjr djsxhA
iwo&laHkkO;rk fjiksVZ ds ckjs esa vk'oLr gks tkus ds ckn vfklwfpr fokh; laLFkk ls vuqjks/k dh izkfIr ij
Z
,l,Q,lh dk ihMh,Q vius lwphc) ijke'kZd ls Mhihvkj rqjr rS;kj djokus dh O;oLFkk djsxhA
a
p tks ekeys lh/ks gh vfklwfpr fokh; laLFkk }kjk ijke'kZd dks Hksts tk,axs muds ckjs esa cSd ls
a
vuqjks/k dh izkfIr ds rqjr ckn] ihMh,Q ds varxZr Mhihvkj dh rS;kjh gsrq ,l,Q,lh ds izfriz"k.k
a
s
dh O;oLFkk djsxhA
N vfklwfpr fokh; laLFkkvksa ls ohlh, ds fy, vgrZrk izkIr ifj;kstuk ds ckjs esa fooj.kksa dh izkfIr
ij] ,l,Q,lh viuh fuos'k lfefr ds lEeq[k ohlh, ds fy, izLrko dks j[ksxh rFkk vfklwfpr
fokh; laLFkk o _.knkrk dks Lohfr dh lwpuk HkstxhA vfklwfpr fokh; laLFkk ls lkof/kd _.k
s
dk;Zxr iwth dh izLrkfor Lohfr ds fooj.k izkIr gksus ds rqjr ckn] ,l,Q,lh ifj;kstuk dk;kZUo;u
a
a
ds fy, ohlh, dks"kksa dh vfklwfpr fokh; laLFkk ds ek/;e ls miyC/krk lqfuf'pr djsxhA
11. Reporting and Exchange of Information

With a view to minimize paper work and ensure that SFAC is provided with all relevant details
of individual projects financed by the Notified Financial Institution with Venture Capital support
provided by SFAC and also units assisted for preparation of DPR, and also progress in project
implementation from time to time, the following reporting schedule will be observed.
(a) Report on utilization of Venture Capital Assistance (VCA)/Project Development
Assistance (PDA)

The Notified Financial Institution will report disbursement made by them in respect of
VCA/PDA against funds received from SFAC every time a payment is made. In respect
of VCA along with the report on utilization of funds, a report on progress in project
implementation would also be sent to SFAC. Such periodical reporting will be sent to
SFAC until the project is fully implemented and commercial operations are started. In
respect of PDA, the Notified Financial Institution will report if after examining the DPR,
a decision is taken by the Notified Financial Institution not to sanction term loan on
assessment that the project is not viable.
(b) Report on the working of assisted units

The Notified Financial Institution will submit a report on the working of the units financed
by them under VCA to SFAC on a half yearly basis indicating whether the operations
are in line with the projections and whether the borrowers are adhering to repayment
commitments.
(c) Reporting of exceptions

The Notified Financial Institution would also keep SFAC informed of any significant
developments with regard to operation of the projects, its implementation and
unsatisfactory features if any noticed by them. The Notified Financial Institution will also
keep SFAC informed of any recovery action initiated by them in the event of failure of
the unit to perform or inability of the borrowers to meet financial commitments.
(d) Project Specific Information
addition to the above standard reporting by the Notified Financial Institution the Notified
In
Financial Institution would also provide SFAC with project specific information, if any,
sought by it from time to time.
15
11- lwpukvksa dh fjiksVZ Hkstuk rFkk mudk vknku&iznku
dkxth dk;Zokgh dks de djus rFkk ,l,Q,lh }kjk lqyHk djkbZ xbZ m|e iwath lgk;rk dks vfklwfpr
fokh; laLFkk dh fok&iksf"kr izR;sd ifj;kstukvksa ls lacaf/kr fooj.k ,l,Q,lh dks lqyHk djkus]
Mhihvkj dh rS;kjh esa lgk;rk djus okyh bdkb;ksa rFkk le;≤ ij ifj;kstuk dk;kZUo;u esa izxfr
dh iwjh tkudkjh j[kus ds mn~ns'; ls fuEukafdr jiV&izs"k.k dk fu/kkZj.k fd;k x;k gS%
d m|e iwath lgk;rk chlh,@ifj;kstuk fodkl lgk;rk ihMh, ds mi;ksx dh fjiksVZ
Hkh ,l,Q,lh ls izkIr ohlh,@ihMh, ds fy, jkf'k ds laca/k esa dksbZ Hkqxrku fd;k tk,xk]
tc
vfklwfpr fokh; laLFkk ,sls forj.k ds ckjs esa lwfpr djsxkA m|e iwath ds laca/k esa] dks"kksa ds
mi;ksx dh fjiksVZ ds lkFk] ifj;kstuk dk;kZUo; esa izxfr ij Hkh ,d frosnu ,l,Q,lh dks Hksth
tk,xhA ifj;kstuk ds laiw.kZ dk;kZUo;u rFkk okf.kfT;d izpkyu izkjaHk gks tkus rd blh izdkj dk
,l,Q,lh dks vkof/kd jiV&izs"k.k tkjh jgsxkA ihMh, ds laca/k esa] ;fn Mhihvkj dh tkap ds
ckn vfklwfpr fokh; laLFkk ;g fu.kZ; ysrh gS fd ifj;kstuk vO;ogk;Z gksus ds dkj.k lkofkd
_.k dh Lohfr u nh tk, rks blds ckjs esa vfklwfpr fokh; laLFkk frosnu HkstsxhA
[k lgk;rk izkIr bdkbZ;ksa ds dk;Zdykiksa ij fjiksVZ
fpr fokh; laLFkk m|e iwath ds vUrxZr vius }kjk fok iksf"kr bdkbZ;ksa ds dk;Zdykiksa ij
vfklw
Nekgh vk/kkj ij ,l,Q,lh dh fjiksVZ Hkstsxh ftlesa ;g n'kkZ;k tk,xk fd D;k iwoZ&fukkZfjr
;kstukuqlkj izpkyu py jgs gSa ;k ugha rFkk D;k _.knkrk f"k vknk;xh dh izfrc)rk ds vuqlkj
Hkqxrku dj jgs gSa ;k ughaA
x vioknksa dh lwpuk nsuk

,l,Q,lh dks ifj;kstuk ds izpkyu blds f;kUou ds laca/k esa fdlh Hkh egRoiw.kZ ?kVuk rFkk
bldh lwpuk esa ikbZ xbZ fdlh vlarks"ktud igyw ds ckjs esa Hkh voxr djkrs jgsaxsA vfklwfpr
fokh; laLFkk bdkb;ksa dh vlQyrk ;k dtZnkjksa }kjk viuh fokh; izfrc)rk dks iwjk djus esa
foQyrk dh fLFkfr esa vfklwfpr fokh; laLFkk }kjk mBk, x, olwyh ds fdlh Hkh dne ds
ckjs esa ,l,Q,lh dks lwfpr djrh jgsxhA
?k ifj;kstuk ls tqM+h lwpuk
ad mi;qZDr ekud fjiksfVZax ds vfrfjDr ,l,Q,lh dks le;≤ ij mlds }kjk ekaxs tkus
cS
ij fdlh ifj;kstuk ds ckjs esa okafNr lwpuk nku djrh jgsxhA
12. Parties Notification

Each of the parties hereto shall promptly inform the other of any of the following events:
(a) Any event of which such party becomes aware which, in the opinion of the party, is
likely to interfere materially with, or seriously hinder or impair; the implementation of the
project, or to interfere adversely and materially with the performance by:
(i) The borrower of its obligation under the Facility Agreement with such party.
(ii) The guarantor of its obligation under the guarantee given in favor of such party.
(b) Any notice given by the borrower to prepay the whole or any part of the loan disbursed
pursuant to the Agreement with such party and any amount thereof actually prepaid.
(c) In certain circumstances it might become necessary for the Notified Financial Institution
to call up the loan and initiate recovery proceeding against the borrower and guarantors
if any. The Notified Financial Institution would take all such measures required to protect
its interest as well as that of SFAC. While, it may not be considered prudent to consult
SFAC before taking such action, SFAC will be informed of the action taken by the Notified
Financial Institution at the earliest.
13. Written Consent prior to Amendment

SFAC and Notified Financial Institution shall not agree to any amendment that will affect the
right or responsibilities of the other with regard to disbursement or procurement or that may
affect the right to recover the money advanced as per the original authorization schedule
without the prior written consent of the other.
14. Parties Independent Decisions

Except as otherwise provided in this MOU, each party agrees that all its decisions, including
decision to take or refrain from taking action concerning the project or a loan agreement
to which it is a party, shall be based exclusively on its own judgment, independently of the
information provided by, or excepted from, the other party or the views expressed by such
other part.
16
12- i{kksa dh vf/klwpuk
nksuksa gh i{k fuEukafdr fLFkfr;ksa esa rRdky ,d nwljs dks lwfpr djsaxs%
d ,slh dksbZ Hkh ?kVuk ftlds ckjs esa fdlh Hkh i{k dks irk pyk gks fd ml i{k ds utfj, esa
;g ifj;kstuk ds dk;kZUo;u esa HkkSfrd :i ls gLr{ksi dj ldrh gS] ;k xaHkhj :i ls :dkoV
;k gkfu igqpk ldrh gS vFkok fuEukafdr ds dk;Zfu"iknu ij foijhr vkSj okLrfod vlj Mky
ldrh gS%
(i) ml i{k ds lkFk gq, lqfo/kk djkj ds v/khu of.kZr _.k izkIrdkkZ dh ftEesnkjhA
(ii) ml ikVhZ ds i{k eas nh xbZ xkjaVh esa n'kkZbZ xbZ xkajVhdkkZ dh ftEesnkjhA
[k fdlh i{k ds lkFk gq, djkj }kjk fn, x, _.k ds laiw.kZ Hkkx ;k va'k ds iwoZ Hkqxrku ds ckjs
esa _.k izkIrdkkZ }kjk nh xbZ lwpuk rFkk rn~uqlkj iwoZ Hkqxrku dh xbZ jkf'kA
x dqN fuf'pr ifjfLFkfr;ksa es] vfklwfpr fokh; laLFkk ds fy, ;g vfuok;Z gks ldrk gS fd og _.k
a
okil ys ysa rFkk _.knkrk o xkjaVhdkkZ] ;fn gks rks] ds fo:) olwyh dh dk;Zokgh izkjaHk djsA
a
vfklwfpr fokh; laLFkk vius rFkk ,l,Q,lh nksuksa gh i{kksa ds fgrksa dh j{kk djus ds fy, dne
mBk ldrh gSA ;nfi dksbZ dne mBkus ds iwoZ ,l,Q,lh ls e'kfojk fy, tkus dh t:jr ugha
gS rFkkfi cSd }kjk mBk, x, dneksa ds lac/k esa ,l,Q,lh dks ;Fkk'kh?kz lwfpr fd;k tk,xk
a
a
A
13- la'kks/ku ls iwoZ fyf[kr lgefr
,l,Q,lh rFkk vfklwfpr fokh; laLFkk ,d nwljs ls fyf[kr lgefr izkIr fd, fcuk] ,sls fdlh Hkh
la'kksku tks fdlh Hkh ,d i{k ds vf/kdkjksa o mkjnkf;Roksa ij izHkko Mkyrk gks vFkok tks ewy
vf/kr rkfydk ds vuqlkj vfxze jkf'k dh olwyh ds vf/kdkj dks izHkkfor djrk gS] dks Lohdkj
ugha djsaxsA
14- nyksa ikfVZ;ksa ds Lora= fu.kZ;
bl le>kSrs ds Kkiu ,evks;w esa ;fn vU;Fkk mfYyf[kr u gks rks izR;sd i{k bl ckr ls lger
gS fd blds lHkh fu.kZ;] ftlesa ifj;kstuk ls lacaf/kr fu.kZ; vFkok ,d _.k djkj ftlesa ;g ,d
ny ikVhZ gS ij dkjZokbZ djus ;k mls ugha djus dk fu.kZ; Hkh lfEefyr gS] blds vius foosd
ij vkkkfjr gksxk tks vU; i{k }kjk iznk ;k mlls visf{kr lwpuk ;k vU; i{k }kjk vfHkO;Dr
n`f"Vdks.k ls Lora= gksxkA
15. Arbitration
In any case of dispute, if any, arising out of this MOU may be resolved through mutual
consultation failing which it may be done by way of arbitration by a sole arbitrator chosen by
the Notified Financial Institution and SFAC as per arbitration and conciliation Act, 1996 and
venue of the Arbitration will be New Delhi.
16. Channel of communication and notices

(a) For the purpose of this MOU, the representative of the parties shall be:
i.
For SFAC : Managing Director
ii. For the Notified Financial Institution: Chief General Manager/ General Manager
Agribusiness Group/ Priority Sector (to be indicated by the Notified Financial
Institution)
(b) Either party may, by notice in writing to the other party, designate additional representative/s
or substitute other representative/s for those designated in this Article.
(c) Any notice or other communication under MOU shall be in writing and shall be deemed
to have been duly given or made when it has been delivered by hand, mail, e-mail, cable
or tele fax, as the case may be, by either party to the other at the appropriate address
specified below or such other address as either party may hereafter notify in writing to
the other party:
For SFAC: Mailing Address:
NCUI Auditorium, Vth Floor,
August Kranti Marg, Hauz Khas,
New Delhi.
Telephone:_________________ Fax:________________ E-mail:_________________________
For the Notified Financial Institution Mailing Address: __________________________________
Telephone: _________________ Fax: _______________ E-mail: _______________________
17
15- iap&fu.kZ;
bl le>kSrk Kkiu ls mBs fdlh fookn dh fLFkfr esa] ijLij ckrphr ls lqy>k, tk ldsaxsA blesa
foQy gksus ij] e/;LFkrk rFkk le>kSrk vf/kfu;e] 1996 ds vuqlkj vfklwfpr fokh; laLFkk ,oa
,l,Q,lh }kjk p;fur ,dek= e/;LFk }kjk e/;LFkrk ds ek/;e ls fookn lqy>k, tk,axs rFkk
e/;LFkrk dk LFkku fnYyh gksxkA
16- lapkj vkSj lwpukvksa dh .kkyh

d bl le>kSrk Kkiu ds mn~ns'; gsrq fuEukafdr i{kksa ds izfrfuf/k gksaxs%
(i) ,l,Q,lh ds fy, % izca/k funs'kd
(ii) vfklwfpr fokh; laLFkk ds fy, % eq[; egkizca/kd@egkizca/kd f"k O;kikj lewg@izkFkfedrk
{ks= vfklwfpr fokh; laLFkk }kjk crk;k tkuk gSA
[k dksbZ Hkh i{k bl /kkjk esa euksuhr fd, tkus ds fy,] vU; i{k dks fyf[kr lwpuk nsrs gq,]
vfrfjDr izfrfuf/k;ksa ;k vU; oSdfYid izfrfuf/k;ksa dks inukfer dj ldrk gSA
x le>kSrk Kkiu ds vUrxZr dksbZ lwpuk vFkok lans'k fyf[kr esa gksxk rFkk ;g fof/kor~ fn;k gqvk
ekuk tk,xk ;k O;fDrxr :i ls fn, tkus ij bls fn;k gqvk le>k tk,xkA esy] bZ&esy] dsoy]
;k Vsyh QSDl] tSlh Hkh ekeyk gks] fdlh Hkh i{k ds }kjk fuEuor~ fofuZ"V mfpr irs ij] tSlk
fd vU; i{k dks fyf[kr esa lwfpr fd;k x;k gks] Hksts tk,axs%
,l,Q,lh ds fy,% Mkd irk%
,ulh;wvkbZ lHkkxkj] ikapoka ry]
vxLr kfUr ekxZ] gkSt [kkl] ubZ fnYyhA
VsyhQksu%------------------------------ QSDl%-------------------------------bZ&esy%----------------------------------------------vfklwfpr fokh; laLFkk ds fy, Mkd irk%----------------------------------------------------------------VsyhQksu%---------------------------------QSDl%------------------------------bZ&esy%-----------------------------------------------
17. Final Provisions

1.
The Memorandum of Understanding (MOU) shall come into force upon its signature by
the authorized representatives of the parties hereto and far a term of 10 years.
2.
The parties to this MOU shall before expiry of its term review the result achieved under
this MOU and consult with each other with a view to deciding whether to extend the
term of this MOU. Any extension of the term of this MOU, as aforesaid, may be affected
through a simple exchange of letters between the parties.
3.
The parties of this MOU may amend any of the provisions of this MOU or enter into
supplementary arrangements designed to extend the scope of the present MOU.
4.
Either party may terminate this MOU by giving not less than six (6) months advance
notice, in writing, to the other party; provided that such termination shall become effective
only on the date specified in the termination notice, and provided further that termination
as aforesaid shall not, unless that parties otherwise agree, effect any non-cancelable
commitments entered into under this MOU with a third party prior to the date of the
termination notice. In the event of termination by either party, both parties shall co-operate
to ensure that all arrangements made hereunder are settled in an orderly manner. In the
event of the agreement being terminated the amount already sanctioned and released
to the Notified Financial Institution will continue to be operated by the Notified Financial
Institution as if this agreement was still operative.
The focal points/contact persons under this MOU will be_____________________________ on
the _____________ in New Delhi.
For Notified Financial Institution
CEO of the Notified Financial Institution
Address:
For Small Farmers Agribusiness Consortium

Managing Director
Address:
Witness:
(Name & Address)
18
17- vafre izko/kku

1- rk Kkiu i{kksa ds vf/kr izfrfuf/k;ksa }kjk gLrk{kj fd, tkus ij izHkkoh gks tk,xk rFkk
le>kS
10 o"kZ dh vof/k ds fy, izHkkoh gksxkA
2- le>kSrk Kkiu ds lHkh i{k bldh vof/k lekfIr ls iwoZ blds vUrxZr izkIr ifj.kkeksa dh
bl
leh{kk djsaxs rFkk blds fu.kZ; gsrq ijLij fopkj&foe'kZ djsaxs fd D;k le>kSrk Kkiu dh vof/k
c<+kbZ tk, ;k ughaA
3- le>kSrk Kkiu ds lHkh i{k] le>kSrk Kkiu ds fdlh Hkh izko/kku dks la'kksf/kr dj ldrs
bl
gSa rFkk orZeku le>kSrk Kkiu ds {ks= dks c<+kus ds fy, rS;kj dh x;h iwjd O;oLFkkvksa dk
izkokku dj ldrs gSaA
4- bZ Hkh i{k] nwljs i{k dks fyf[kr esa de ls de 6 ekg iwoZ lwfpr djrs gq, bl le>kSrk
dks
Kkiu dks jn~n dj ldrk gS] fdUrq ;g lekiu mlh fnu ls izHkkoh gksxk ftl frfFk ds ckjs
esa lekiu lwpuk esa fufnZ"V fd;k x;k gks] rFkk ;g Hkh fd tc rd nksuksa i{k izko/kku u djsa]
vU;Fkk mijksDrkuqlkj lekiu ls lekiu lwpuk dh rkjh[k ds iwoZ bl le>kSrk Kkiu ds rgr
fdlh rhljs i{k ds lkFk dh xbZ dksbZ vLFkxuh; izfrc)rk izHkkfor ugha gksxhA fdlh i{k ds
}kjk lekiu fd, tkus dh fLFkfr esa nksuksa i{k blds rgr dh xbZ O;oLFkkvksa dk mfpr jhfr
ls fuiVkjk lqfuf'pr djus ds fy, lg;ksx djsaxsA le>kSrk lekIr dj fn, tkus dh fLFkfr esa
vfklwfpr fokh; laLFkk dks igys ls gh izko/kkfur vkSj iznk jkf'k dk vfklwfpr fokh; laLFkk
}kjk bl rjg ls izpkyu fd;k tkrk jgsxk tSls fd le>kSrk vc Hkh f;k'khy gksA
bl le>kSrk Kkiu ds vUrxZr eq[; dsUnz fcUnq@lEidZ O;fDr&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&gksaxsaA
,rn~ }kjk&&&&&&&&&&&&&&&&&&&dks ubZ fnYyh esa vius gLrk{kj djrs gSaA
vfklwfpr fokh; laLFkk ds fy,
vfklwfpr fokh; laLFkk ds eq[; dk;Zdkjh vf/kdkjh
irk%
y?kq "kd f"k O;kikj la?k ds fy,

izca/k funs'kd
irk%
xokg%
uke o irk
AGREEMENT BETWEEN SFAC AND

THE BORROWER
This agreement is executed on this.. day of Two thousand and (....20...) between
M/s. ., a Company incorporated under the Indian Companies Act 1956, having its place
of business/Registered Office at, and factory/processing unit at,
hereinafter called the BORROWER (which included his/her/its heirs, executors, administrations,
successors and assignees) as first party & Small Farmers Agribusiness Consortium (SFAC), a
Society registered under Societies Registration Act 1860, having its Registered Officer at NCUI
Auditorium Building, 5th Floor, 3, Siri Institutional Area, August Kranti Marg, Hauz Khas, New
Delhi-110016 hereinafter called SFAC (which includes their assignees, attorneys and successors
in title) as Second Party.
Whereas the first party is setting up.... and is in need of Venture Capital amount
which will be deemed to be a loan after recovery of term loan of Leading Bank..,
hereinafter called the Bank (which includes its successor banks). The Venture Capital Assistance
amount will be refundable prior to due date or on the scheduled end date of their term loan
whichever is earlier. At the request of first party vide their application dated.. received
directly or through SFAC has considered and sanctioned Venture Capital amount of
` lakh (Rupees only) to the First party. The first party will refund the amount of Venture
Capital granted by SFAC in lump sum on liquidation of Notified Financial Institution term loan as
per original schedule of repayment, which is . as advised by Notified Financial Institution.
The borrower will tender a post dated cheque dated . for the amount of Venture Capital
Assistance amount for this purpose.
AND
Whereas in consideration of the above promises The First Party, . offered as security
by way of equitable/registered mortgage on agricultural land and appurtenants/building thereto as
required by SFAC as per details given in Annexure A and will also hypothecate movable assets like
plant & machinery/vehicles/equipment/raw materials. etc., as per details given in Annexure B,
19
,l,Q,lh rFkk _.k izkIr drkZ ds chp djkjukek

;g djkjukek fnukad --------------------- fnu ---------------- o"kZ ------------------ 20--------- dks e/;
eSllZ --------------------------------------------------------------------------------------] Hkkjrh; dEiuh ,DV 1956
ds varxZr fuxfer ,d dEiuh ftldk O;kikfjd LFky@iathr dk;kZy; ---------------------------------------vkSj fuekZ.k'kkyk@izlaLdj.k bdkbZ@-------------------------------esa gSa ftldks ;gka ij _.k izkIrdrkZ dgk x;k gS
ftlesa mldk@mldh@mldk okfjl] dk;Zdkjh] iz'kkld] mkjkf/kdkjh fu;r fd;k x;k vkfn lfEefyr gS izFke
i{kdkj rFkk y?kq "kd f"k O;kikj la?k ,l,Q,lh tks lfefr iath;u vfkfu;e 1860 ds varxZr iathr
,d lfefr gS ftldk iathr dk;kZy;] ,ulh;wvkbZ ^lHkkxkj* Hkou 5oka ry] 3 lhjh baLVhV~;w'kuy ,fj;k]
vxLr kfUr ekxZ] gkSt [kkl] ubZ fnYyh&110016 esa gS] ds e/; fu"ikfnr fd;k x;kA ;gka ij ,l,Q,lh
ftlesa mldk fu;rd vke eq[rkj@mkjkf/kdkjh vkfn lfEefyr gS f}rh; i{kdkj dgk x;k gSA
tcfd izFke ikVhZ -----------------------------------dh LFkkiuk dj jgh gS vkSj mls blds fy, m|e iwath jkf'k
dh t:jr gS ftls _.knkrk cSad ds lkof/k _.k dh olwyh ds Ik'pkr _.k ds rkSj ij ekuk tk,xk ftls
blds ckn ls cSad dgk tk,xk ftlesa blds mkjkf/kdkjh cSad Hkh 'kkfey gSaA m|e iwath lgk;rk jkf'k
dks ns; frfFk ;k muds lkof/k _.k dh fu;r vafre rkjh[k ds igys okil djuk gksxkA izFke ikVhZ ds
vkosnu fnukad---------------------------tks fd lh/ks ;k -------------------------ds ekQZr izkIr gqvk gS ds vuqjks/k
ij ,l,Q,lh us bl ij fopkj fd;k rFkk izFke ikVhZ dks `-----------yk[k :Ik, ----------------ek= m|e
iwath jkf'k ds rkSj ij Lohd`r fd, gSaA izFke ikVhZ vfklwfpr fokh; laLFkk ds }kjk nh xbZ lykg ds vuqlkj
tks bl izdkj gS----------------------------------,l,Q,lh }kjk Lohr m|e iwath dh jkf'k dks vfklwfpr fokh;
laLFkk ds lkof/k _.k dks iquHkqZxrku ds ewy le;&lkfj.kh vuqlkj ,d eq'r :Ik esa okil djsxkA _.kh
bl mn~ns'; ds fy, m|e iwath lgk;rk dh jkf'k gsrq ,d iksLV MsVsM pSd fnukad-------------------------izLrqr
djsxkA
rFkk
,slh voLFkk esa mijksDr oknksa ij fopkj djrs gq;s izFke i{k] f"k Hkwfe rFkk vuqyXu oLrq@Hkou ij bfDoVh
;ksX;@iathr ca/kd ,l,Q,lh dh vko';drkuqlkj tSlk fd layXud&I esa fooj.k fn;k x;k gS] tekur
ds :i esa nsxk rFkk pylEifk tSls dkj[kkuk@e'khusa@okgu@;a=@dPpk eky vkfn Hkh tSlk fd layXud&II esa
and accepted by SFAC. The other terms and conditions as agreed upon between first party and
SFAC are as follows:
1.
The CEO of the Borrowing unit must be a professionally qualified person.
2.
That the lending Notified Financial Institution will hold charge on the assets (movable/immovable)
of the unit till full repayment of their term loan as per original prescribed schedule.
3.
That the Venture Capital amount will automatically be deemed to be a loan from the date the
Lending Bank has actually recovered its term loan or on the schedule end date of term loan,
whichever is earlier. It may, however, be clarified that in the event of re-schedulement of the
banks term loan, the entrepreneur is required to refund the Venture Capital amount as per
the original prescribed schedule because Venture Capital amount of SFAC is interest free and
financial assistance is to be given to other eligible entrepreneurs for setting up of agribusiness
projects. However, if lending Notified Financial Institution make SFAC a party while discussing
possibility of rescheduling banks term loan, SFAC may consider request of the borrower for
rescheduling of VCA on case to case basis.
4.
That Borrower has the option to refund the Venture Capital amount granted by SFAC even
prior to the due date of repayment of Term Loan.
5.
That the deemed loan of SFAC as referred to above will remain secured by creation of charge
(mortgage & hypothecation) in favour of SFAC on the project assets previously held by the
Lending Notified Financial Institution and till such times as the deemed loan and interest
accrued thereon are entirely refunded to SFAC.
6.
That the Borrower hereby undertakes to utilize the Venture Capital amount granted by SFAC
for the purpose for which it was granted. In the event of diversion/misutilization, SFAC reserves
the right to recall the entire amount of Venture Capital in lump sum.
7.
That in case the Borrower is unable to repay the Venture Capital amount in lump sum
immediately after repayment of Notified Financial Institutions Term Loan, it will have option
to repay the entire amount of loan together with accrued amount of interest in 4 quarterly
installments within a year. The rate of interest in this regard will be the same as charged by
the lending bank on its term loan.
8.
That the Borrower will also authorize the Lending Notified Financial Institution at the time of
executing this agreement to debit their account, i.e. Cash Credit Account/Current Account
No with., after repayment of Notified Financial Institution term loan equivalent to
the refundable amount or any other incidental expenses. The borrower also undertakes to
ensure substantial balance in their account in order to facilitate the refund of SFACs loan and
other incidental expenses. Alternatively, the borrower can directly refund the Venture Capital
amount and other incidental expenses by means of demand draft drawn in favour of Small
Farmers agribusiness Consortium payable at New Delhi.
9.
The borrower fully understands and acknowledges that the Venture Capital provided by
SFAC is based upon appraisal note, sanction letter for the term loan by the Notified Financial
Institution specifically on the terms and conditions and assets verified by the Notified Financial
Institution as securities for the term loan and, therefore, expressly undertakes not to change
the Notified Financial Institution indicated herein during the pendency of the SFACs Venture
Capital. However, in exceptional cases one time change of bank is allowed by SFAC. The
borrower also undertakes not to withdraw the securities from the Notified Financial Institution
until and unless the Venture Capital amount is refunded to SFAC.
20
fooj.k fn;k x;k gS dks crkSj tekur nsxk o ,l,Q,lh lHkh dks mlh izdkj Lohdkj djsxhA vU; lhek;sa
o 'krsZ izFke i{k rFkk ,l,Q,lh ds chp lgefr ij fuEu bl izdkj gS%
1-
_.k ysus okyh laLFkk dk eq[; dk;Zdkjh vf/kdkjh O;olkf;d :i ls f'kf{kr O;fDr gksuk
vko';d gSA
2- fd m/kkj nsus okyh vfklwfpr fokh; laLFkk izFke i{k dh lEifk ij rc rd vf/kdkj j[ksxh
;g
tc rd mlds vkof/kd _.k dk iwjk Hkqxrku nh xbZ ewy lwph ds vuqlkj ugha gks tkrkA
3- fd m|e iwath lgk;rk ml rkjh[k ls Lor% gh _.k le>k tk;sxk ftl frfFk ij _.k nsus okyh
;g
cSad viuk vkof/kd _.k okLro esa olwy dj ysxh vFkok igys ls r; vfUre rkjh[k ij] buesa tks
Hkh igys gks rFkkfi ;g Li"V dj nsuk t:jh gS fd cSad ds lkof/kd _.k esa le; laca/kh Qsjcny
dh fLFkfr esa] m|eh dks m|e iwath jkf'k dh okilh iwoZfu/kkZfjr le; ;kstuk ds vuqlkj gh djuh
gksxh D;ksafd ,l,Q,lh iznk m|e iwath jkf'k C;kt eqDr gksrh gS rFkk vU; ubZ m|fe;ksa dks Hkh f"k
O;kikj ifj;kstukvksa dh LFkkiuk gsrq fokh; lgk;rk fn, tkus dh vko';drk gksrh gSA rFkkfi] ;fn
_.knkrk vfklwfpr fokh; laLFkk cSad ds lkof/k _.k dh le;&lkfj.kh esa ifjorZu dh laHkkouk ij
fopkj foe'kZ ds fy, ,l,Q,lh dks ,d i{k cukrh gSa rks ,slh fLFkfr esa ,l,Q,lh izR;sd ekeys esa
ohlh, dh le;&lkfj.kh esa ifjorZu ds fy, _.kh ;k dtZnkj ds vuqjks/k ij fopkj dj ldrh gSA
4- fd _.k ysus okyk _.kh vkof/kd _.k okilh ds fuf'pr rkjh[k ls igys Hkh ,l,Q,lh }kjk
;g
iznk fgLlk jkf'k okil djus dk vf/kdkj j[krk gSA
5- fd mijksDrkuqlkj ,l,Q,lh dk ekuk x;k _.k ,l,Q,lh ds i{k esa ifj;kstuk laifk;ksa dk izHkkj
;g
l`tu ca/ku ,oa fxjoh ds ek/;e ls lajf{kr jgsxk tks fd igys _.knkrk vfklwfpr fokh; laLFkk ds
v/khu Fkk rFkk rc rd lajf{kr jgsxk tcrd fd ,l,Q,lh dks ekus x, _.k dh jkf'k rFkk mlij
mn~Hkwr C;kt iwjh rjg okil ugha dj fn;k tkrk gSA
6- fd _.k ysus okyk] m|e iwwath jkf'k tks ,l,Q,lh }kjk nh xbZ gS dk mi;ksx ml mn~ns'; ds
;g
fy;s djus dks ,rn~}kjk opuc) gS ftldh vuqefr nh xbZ FkhA _.k ds vU; en esa [kpZ djus@xyr
mi;ksx djus dh n'kk esa] ,l,Q,lh dks m|e iawth lgk;rk dh dqy /kujkf'k ,d eq'r okil ysus
dk vf/kdkj lqjf{kr gSA
7- fd ;fn m/kkj ysus okyk izFke i{k] cSad ds vkof/kd _.k okilh ds ckn] m|e iwath dh /kujkf'k
;g
rqjar ,deq'r okil djus esa v{ke jgrk gS rks C;kt ls c<+h gqbZ /kujkf'k ds lkFk lEiw.kZ _.k ,d
o"kZ ds vUnj 4 fdLrksa esa Hkqxrku dk fodYi gksxkA bl n'kk esa C;kt nj m/kkj nsus okyh cSd }kjk
bl lkof/kd _.k ij yxkbZ xbZ nj ds leku gksxhA
8- dkjukes dks djrs le; _.k ysus okyk _.k nkrk cSad dks vfklwfpr fokh; laLFkk ds lkof/kd _.k ds
bl
Hkqxrku ds ckn okil ykSVkbZ tkus okyh /kujkf'k vkSj vU; ifjfLFkfrtU; O;; ds lerqY;
jkf'k dh dVkSrh ------------------- esa uxn tek [kkrk@pkyw [kkrk la- ---------------------- ls
djus ds fy, izkf/kr djsxk _.k ysus okyk ,l,Q,lh iznk _.k vkSj vU; ifjfLFkfrtU;
A
O;; dh izfriwfrZ laHko cukus ds mn~ns'; ls vius [kkrs i;kZIr 'ks"k lqfuf'pr djus ds fy,
opuc) gSA fodYir% _.k izkIrdkkZ m|e iwath jkf'k vkSj vU; ifjfLFkfrtU; O;;ksa dh izfriwfrZ
y?kq "kd f"k O;kikj la?k ds i{k esa ubZ fnYyh ij ns; cSad MkV ds ek/;e ls lh/ks dj
ldrk gSA
9- izkIrdkkZ iwjh rjg ls le>rk vkSj Lohdkj djrk gS fd ,l,Q,lh }kjk iznk m|e iwath vfklwfpr
_.k
fokh; laLFkk }kjk fn, x, ewY;kadu fVIi.kh gsrq fo'ks"krkSj ij fu;eksa ,oa 'krks ds v/khu lkof/kd _.k
gsrq vuqeksnu i= rFkk lkof/kd _.k ds fy, izfrHkwfr ;ksX; ifjlaifk;ksa dk vfklwfpr fokh; laLFkk
}kjk lR;kiu ij vk/kkfjr gS vkSj blhfy, izdV rkSj ij ftEesnkjh ysrk gS fd ,l,Q,lh ds m|e
10.
That the Borrower hereby declares and confirms that the status of the securities and their
possession, maintenance, coverage of insurance etc. will remain in force, as was the case
with in the lending Notified Financial Institution.
11.
That the Borrower must submit their audited Balance Sheet/Financial Statement along with
a confirmatory letter every year (i.e. Balance sheet date) about the outstanding amount of
Venture Capital in their book which is refundable after repayment of the Notified Financial
Institution term loan.
12.
That as per objectives of SFAC, small farmers are to be ultimate beneficiaries of the Venture
Capital scheme. Therefore, it will be obligatory on the part of the first party to ensure
establishment of backward linkages with the farmers and in the event of failure to have such
linkages with the farmers, SFAC may cancel the loan arrangement and ask first party to refund
the entire amount of Venture Capital in lump sum within a period of one month after receipt
of such decision from SFAC.
13.
That the Borrower agree and undertake that a suitable provision equivalent to proportionate
refundable amount will be made every year and invest the same in liquid assets in order to
facilitate refund of amount of Venture Capital to SFAC in lump sum.
14. Further, the Borrower also undertake to follow the under noted terms and conditions:
(i) pay all taxes, rents etc. regularly and in the time in order to keep the hypothecated
To
and mortgaged assets free from distress, attachment, sale, etc.
(ii)
Not to create any charge by way of mortgage, pledge, hypothecation, sell or dispose off
in any manner the movable/immovable properties referred to in the Annexures.
(iii) keep SFAC indemnified at all times for the losses caused to it on account of negligence
To
of Borrower.
(iv) execute any other document or furnish information as and when required
To
by SFAC.
(v) ensure that after the repayment of the term loan, the beneficiary will continue to
To
comprehensively ensure the movable and immovable assets being charged to SFAC
with SFAC Clause and hand over the same to SFAC till refund of the amount of Venture
Capital amount.
(vi) the event of any incident, the Borrower shall file the claim with the respective insurance
In
company and keep SFAC posted about the receipt of claim amount and damages etc.
(vii) he Borrower undertake to ensure that the permits, licenses are renewed timely and kept
T
intact.
15.
That in the event of the Borrower failing to pay the balance or any other money due to the
SFAC by virtue of this agreement or if for any reason the SFAC thinks that its interest is in
jeopardy, the SFAC reserves the right to dispose of all the securities either hypothecated or
mortgaged in order to recover its dues without intervention of Court.
16.
That the Officers or nominees of the SFAC, shall have free access to business premises in
order to ascertain the actual status of the securities hypothecated/mortgaged assets to the
lending Notified Financial Institution/SFAC and to take possession if warranted for the purpose
of acquiring/selling of any of the hypothecated/mortgaged assets by public auction without
21
iwath ds yafcr gksus ds nkSjku mlds }kjk ;gka mfYyf[kr vfklwfpr fokh; laLFkk cnyk ugha tk,xk
A
rFkkfi] fo'ks"k ekeyksa esa ,l,Q,lh }kjk flQZ ,d ckj cSad cnyus dh vuqefr nh tk ldrh gSA _.k
izkIrdkkZ blds fy, Hkh opuc) gS fd tcrd ,l,Q,lh dks m|e iwath jkf'k okil ugha dj nh
tkrh gS rc rd vfklwfpr fokh; laLFkk ls viuh izfrHkwfr;ka okil ugha ysxk
A
10- g fd _.k izkIrdrkZ ,rn~~}kjk ?kks"k.kk rFkk izekf.kr djrk gS fd vkjf{kr jkf'k dh oLrq fLFkfr rFkk
;
mudh lEifk] thfodk] chek vkPNkfnr vkfn ij Hkh ogh jgsxk tSlk m/kkj nsus okyh vfklwfpr fokh;
laLFkk ds lkFk gqvk FkkA
11- g fd _.k izkIrdrkZ izR;sd o"kZ rqyu&i= frfFk ,l,Q,lh dks okf"kZd vads{k.k] fokh; izfrosnu
;
ds lkFk mlds [kkrs esa m|e iwath dh cdk;k jkf'k ds laca/k esa iqf"Vdkjh i= izLrqr djsxk tks fd
vfklwfpr fokh; laLFkk ds lkof/kd _.k Hkqxrku ds ckn ykSVk;k tkuk gSA
12- g fd ,l,Q,lh ds mn~ns';ksa ds vuqlkj] m|e iwath ;kstuk ds vafre ykHkkFkhZ y?kq "kd gS blfy;s
;
izFke i{k dks ;g vko';d gksxk fd fdlkuksa ls fupys Lrj rd lEcU/k LFkkfir djuk lqfuf'pr gks
rFkk fdlku ls lEcU/k LFkkfir djus esa vlQy jgus dh n'kk esa] ,l,Q,lh viuk djkjukek fujLr
dj ldrh gS rFkk ,l,Q,lh ds bl fu.kZ; ds ,d ekg ds vanj m|e iawth dh lEiw.kZ /ku jkf'k dks
,deq'r izFke i{k ls okil fy;k tk;sxkA
13- g fd _.k izkIr drkZ lger gS rFkk opu nsrk gS fd izR;sd o"kZ okilh ;ksX; /kujkf'k dh vkuqikfrd
;
ek=k ds cjkcj mi;qDr izko/kku fd, tk;saxs rFkk mn~;e iwath dh /kujkf'k dks ,deq'r ,l,Q,lh dks
okil djus ds fy;s bldk rjy ifjlaifk;ksa esa fuos'k fd;k tk,xk
A
14- vkxs] _.k izkIrdrkZ fuEufyf[kr fu;e rFkk 'krksZa dks Hkh ekuus dk opu nsrk gS%
(i) "Vcakd ifjlEifk;ksa rFkk ca/kd ifjlEifk;ka tks vkifk jfgr] dqdhZ rFkk fch vkfn ls eqDr
n`f
gks dh lqj{kk ds fy;s leLr dj] VSDl fdjk;s vkfn fu;fer rFkk le; ls Hkqxrku djsxkA
(ii) ayXudksa esa lanfHkZr py@vpy lEifk ij fdlh Hkh izdkj dk ca/kd@fxjoh] n`f"Vcakd] fch
l
vFkok fuiVku ds :i esa og dksbZ vf/kHkkj l`tu ugha gksxkA
(iii) .k izkIrdrkZ dh Hkwy&pwd ds dkj.k gksus okyh gkfu;ksa ds fy, ,l,Q,lh gj le; {kfriwfrZ
_
gtkZuk j[ksxhA
(iv) ke i{k }kjk ,slk dksbZ vU; nLrkost dk fu"iknu vFkok lwpuk;s] tks Hkh rFkk tc Hkh ,l,Q,lh
iF
z
a
dh vko';drk gks nsuh gksxh
A
(v) g lqfuf'pr djus ds fy, fd lkof/kd _.k ds Hkqxrku ds i'pkr ykHkkFkhZ ,l,Q,lh Dykt
;
lfgr mls izHkkfjr py ,oa vpy laifRr;ksa dh lqfuf'prrk dks tkjh j[ksxk rFkk mUgsa m|e iwath
lgk;rk dh jkf'k dh olwyh rd ,l,Q,lh dks lkSisaxkA
(vi)
fdlh Hkh nq?kZVuk dh fLFkfr esa] _.k izkIr drkZ] lacaf/kr chek dEiuh ij nkok nkf[ky djsxh
rFkk nkok dh xbZ /kujkf'k dh izkfIr ,oa {kfr ds ckjs esa ,l,Q,lh dks lwfpr djsxkA
(vii) izkIr drkZ ;g Hkh opu nsxk] fd vuqKIr] vuqKk ykblsal dk uohuhdj.k le; ls gksxk rFkk
_.k
lqjf{kr j[kk tk;sxkA
15- g fd bl djkjukes ds vk/kkj ij ,l,Q,lh dh 'ks"k /kujkf'k ;k vU; _.k jkf'k dks _.k izkIrdrkZ
;
}kjk vnk djus esa vlQy gksus dh n'kk esa vFkok ;fn ,l,Q,lh dks yxrk gS fd vU; dksbZ dkj.k
ls mldk fgr [krjs esa gS] rks ,l,Q,lh dk ;g vf/kdkj lqjf{kr gS fd og leLr tekursa pkgs og
n`f"Vca/kd gks ;k cU/kd] dk fuiVku djds vius _.k dks olwy djsaA
16- g fd ,l,Q,lh dk vf/kdkjh] ukfer O;fDr dh O;kolkf;d ifjlj esa csjksdVksd igap gksxh rkfd
;
q
_.knkrk vfklwfpr fokh; laLFkk ds ikl tekur@fxjoh ds :i esa j[kh xbZ laifk;ksa dh okLrfod fLFkfr

intervention of Court and appropriate the net proceed towards liquidation of all sums due
from the Borrower. The Borrower hereby agrees to accept that on account of any such sale
realization and in case of shortfall, undertake to pay such further balance as may be due
from the Borrower forthwith. Any cost incurred by SFAC for realization of its money by sale of
hypothecated and mortgaged assets will be added to the outstanding liability of loan amount
of SFAC and will be recoverable from Borrower.
17.
The borrower also understands and agrees not to neglect or refuse any of the obligation
towards furnishing documents required for monitoring the progress of the project, change of
Notified Financial Institution or otherwise shifting the location and the assets acquired for the
projects and more particularly towards repayment of the amount of Venture Capital, SFAC
will proceed to recover the amount due as if it were an arrears of land revenue.
18.
That the Borrower hereby declares that the contents of this agreement have been read and
understood by him and he will abide by the terms and conditions of this agreement.
19.
That the Borrower shall not remove or dismantle any of the goods/assets as mentioned in
Annexures without the written consent of the SFAC.

That in the event of any dispute arising between the parties only Delhi Courts have jurisdiction
to try, entertain and decide the said matter.
Witness of above both parties have executed this agreement on this.. day of .. Two
In
Thousand ..................... (.201..).
For and on behalf of SFAC: Borrower:
(..)
(.)
(Name & Designation)
(Name & Designation)
(..)
(..)
Witness Signature
Witness Signature
22
dk vkdyu dj lds rFkk ;fn vf/kr gks rks U;k;ky; dh n[kyankth ds fcuk lkoZtfud uhykeh ds
}kjk ldy izkfIr dks _.k izkIrdkkZ ds ij leLr cdk;k ds fuiVkjk gsrq fofu;ksftr djus ds fy,
Lora= gksxA _.k izkIrdkkZ ,rn~ }kjk Lohdkj djus ds fy, rS;kj gS fd bl izdkj fdlh fch }kjk
a s
olwyh ds dkj.k vkSj deh jg tkus dh fLFkfr esa blds i'pkr _.k izkIrdkkZ ds ij tks cdk;k 'ks"k
gksxk mldk Hkqxrku djus ds fy, cpuc) gSA tekurh ,oa ca/kd ifjlaifk;ksa dh fch }kjk vius /ku
dh mxkgh esa ,l,Q,lh }kjk fd;k x;k [kpZ ,l,Q,lh ds dtZ jkf'k dh cdk;k ek=k esa tksM+k tk,xk
rFkk _.k izkIrdkkZ ls olwy fd, tkus ;ksX; gksxk
A
17- .k izkIrdkkZ ;g Hkh le>rk gS vkSj blds fy, lger gS fd ifj;kstuk dh izxfr dh fuxjkuh gsrq vko';d]
_
vfklwfpr fokh; laLFkk esa ifjorZu ;k vofLFkfr ifjlj dk vU;= LFkkukarj.k laca/kh rFkk ifj;kstuk gsrq
vf/kxzghr ifjlaifk;ka laca/kh rFkk [kkl rkSj ij m|e iwath dh jkf'k dh okilh ls lacaf/kr nLrkostksa
dks miyC/k djokus dh ftEesnkjh esa dksrkgh ugha cjrsxk ;k euk ugha djsxkA cdk;k jkf'k dh olwyh
,l,Q,lh bl izdkj djsxk tSls og Hkw&jktLo dk cdk;k gSA
18- fd _.k izkIrdrkZ blds }kjk ?kks"k.kk djrk gS fd bl djkjukek ds fo"k;ksa dks mlus i<+ fy;k
;g
,oa le> fy;k gS rFkk og bl djkjukesa dh 'krksZa dks ekusxkA
19- g fd _.k izkIr drkZ ,l,Q,lh dh fcuk fyf[kr lgefr ds dksbZ lkeku] lEifk;k tks layXud esa
;
mYYksf[kr gS dks ugha gVk;sxk vFkok cspsxkA
fd fofHkUu i{kksa ds chp fdlh fookn dh fLFkfr esa flQZ fnYyh fLFkr U;k;ky;ksa dks bls lquus]
;g
fopkj djus rFkk fu.kZ; nsus dk vf/kdkj gksxkA
lk{; gS ] mijks D r nks u ks a i{kks a us ;g djkjukek fnuka d ------------------------- nks gtkj
------------------------------------------201--- dks fu"ikfnr fd;kA
,l,Q,lh gsrq vkSj mlds fy;s%
_.k izkIr drkZ%
----------------------
-------------------------
uke ,oa in
uke ,oa in
---------------------
---------------------
lk{kh ds gLrk{kj
lk{kh ds gLrk{kj
SCHEDULE - A
Annexure - I
Fixed Assets
Sl. No.
23
Particulars/Extent
Nature of
Property
Location and
Boundaries
Approximate Value
vuqlwph &A
layXud &I
vpy lEifk;k
e
la[;k
fooj.k@lhek
lEifk dh fr
fLFkfr rFkk
ifjlhek;sa
vuqekfur ewY;
SCHEDULE - B
Annexure - II
Moveable Assets
Sl. No.
24
Particulars/Extent
Location and Boundaries
Approximate Value
vuqlwph & B
layXud &II
py lEifk;k
e
la[;k
fooj.k@lhek
fLFkfr rFkk ifjlhek;sa
vuqekfur ewY;
FORM GFR 19 - A
(See Government of Indias Decision (1) below Rule 15)
Form of Utilization Certificate
Sl.
No.
1.
Letter No.
and date
2.
Total
Amount Certified that out of the sum of ` of Venture Capital

assistance sanctioned during the year in favour of ..
under this Ministry/ Department letter Nogiven in the
margin and ` on account of unspent balance of the previous
year, a sum of ` has been utilized for the prupose of.. for
which it was sanctioned and that the balance of ` remaining
unutilized at the end of the year has been surrendered to the
Government (Vide No dated.)/will be adjusted towards
the Venture Capital assistance payable during the next year or
utilized in the next financial year.
Certified that I have satisfied myself that the conditions on which the Venture Capital assistance
was sanctioned have been duly fulfilled/are being fulfilled and, that I have exercised the following
checks to see that the money was actually utilized for the purpose for which it was sanctioned.
Kinds of checks exercised
1.
2.
3.

Signature.....
(Name).....
Designation............
(Office seal).....
Verified and certified by
Chartered Accountant
(with address and seal)
25
izi= th,Qvkj 19&,

Hkkjr ljdkj ds fu;e 15 fu.kZ; 1 ds uhps ns[ksa
mi;ksfxrk izek.k&i= dk i=
e
la[;k
1-
i= la[;k
o fnukad
2;ksx%
jkf'k
izekf.kr fd;k tkrk gS fd ekftZu esa n'kkZ, x, bl ea=ky;@foHkkx

ds i=kad&&&&&&&&&&&&&&&&&&&ds vUrxZr&&&&&&&&&&&&&&&&&&&&
ds i{k esa o"kZ&&&&&&&& ds nkSjku Lohr m|e iwath lgk;rk dh
Lohr jkf'k dks&&&&&&&&&&&&&&&&&&ds mn~ns'; ls dke esa ys
fy;k x;k gS ftlds fy, Lohfr iznku dh x;h Fkh rFkk o"kZ
ds var esa 'ks"k bLrseky u dh xbZ `&&&&&&&&&&&&&&&&&&&&
dh jkf'k dks ljdkj dks i=ka d &&&&&&&&&&&&&&&&&&&&&
fnukad&&&&&&&&&&&&&&&&&&ds }kjk okfil ns fn;k x;k gS] vkxkeh
o"kZ ds nkSjku Hkqxrku ;ksX; m|e iwath lgk;rk ds vUrxZr lek;ksftr dj
fn;k tk,xk vFkok vkxkeh fokh; o"kZ esa bLrseky dj fy;k tk,xkA
izekf.kr fd;k tkrk gS fd eSaus Loa; dks larq"V dj fy;k gS fd 'krsZ ftuds vk/kkj ij ohlh, Lohr fd;k
x;k Fkk] fof/kor~ iwjh dj nh x;h gSa@iwjh dh tk jgh gSa rFkk ftl mn~ns'; ds fy, iznku dh x;h Fkh ml
mn~ns'; ds fy, jkf'k ds bLrseky djus dh tkp ds fy,] eSaus fuEukfyf[kr mik;ksa dk mi;ksx fd;k gSA
mi;ksx esa yk, x, mik;
123
gLrk{kj--------------------------------------------------
uke----------------------------------------------------
inuke----------------------------------------------------
dk;kZy; dh eksgj---------------------------------
iqf"VdkkZ o izek.kdkkZ
pkVZMZ ,dkmaVsaV
irk o eksgj lfgr
Notes/fVIif.k;ka
______________________________________________________________________________
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______________________________________________________________________________
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______________________________________________________________________________
______________________________________________________________________________
______________________________________________________________________________
______________________________________________________________________________
______________________________________________________________________________
______________________________________________________________________________
______________________________________________________________________________
______________________________________________________________________________
______________________________________________________________________________
y?kq "kd f"k O;kikj la?k

,u-lh-;w-vkbZ- vkWfMVksjhve fcfYMax] ikapok ry vxLr kfUr ekxZ]
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gkSt [kkl] ubZ fnYyh&110016
f"k ea=ky; Operational Guidelines Venture Capital Assistance Scheme foriAgribusiness Development
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52
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bZesy: sfac@nic.in | osclkbV: www.sfacindia.com

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,xzhfct+usl fodkl ds fy,

m|e iwath lgk;rk ;kstuk

AGRIBUSINESS DEVELOPMENT THROUGH

Operational Guidelines Venture Capital Assistance Scheme for Agribusiness Development

m|e iwath lgk;rk rFkk ifj;kstuk fodkl lqfo/kk

,xzhfct+usl fodkl ds fy, m|e iwath lgk;rk ;kstuk&fn'kk funsZ'k

3. Salient features of the Scheme

26% of the promoters equity

Provided that for projects located in North-Eastern Region, Hilly States

40% of the promoters equity

Operational Guidelines Venture Capital Assistance Scheme for Agribusiness Development

2-1 ;kstuk ds eq[; mn~ns'; bl izdkj gSa%

3- ;kstuk dh eq[; fo'ks"krk,a

,xzhfct+usl fodkl ds fy, m|e iwath lgk;rk ;kstuk&fn'kk funsZ'k

3.2 Project Development Facility

Operational Guidelines Venture Capital Assistance Scheme for Agribusiness Development

3-2 ifj;kstuk fodkl lqfo/kk

5. Role of Central SFAC

Operational Guidelines Venture Capital Assistance Scheme for Agribusiness Development

5- dsUnzh; ,l,Q,lh dh Hkwfedk

,xzhfct+usl fodkl ds fy, m|e iwath lgk;rk ;kstuk&fn'kk funsZ'k

6. Role of State SFACs

Function as repositories of information maintaining a data base of potential areas, producer

Operational Guidelines Venture Capital Assistance Scheme for Agribusiness Development

6- jkT;ksa dh ,l,Q,lh dh Hkwfedk

,xzhfct+usl fodkl ds fy, m|e iwath lgk;rk ;kstuk&fn'kk funsZ'k

8. Eligible Financing Institutions

9. Monitoring and Reporting

Operational Guidelines Venture Capital Assistance Scheme for Agribusiness Development

7- f"k m|fe;ksa dh Hkwfedk

8- ;ksX; fokh; laLFkk,a

9- fuxjkuh rFkk izfrosnu

(d) Project Specific Information

10. Implementation period

11. Implementing Agency

12. General awareness, publicity and training

13. Power to make amendments to the Scheme

Operational Guidelines Venture Capital Assistance Scheme for Agribusiness Development

10- dk;kZUo;u vof/k

11- dk;kZUo;u djus okyh ,tsalh

12- lkoZtfud tkx:drk] izpkj rFkk izf'k{k.k dk;Ze

13- ;kstuk esa la'kks/ku djus dk vf/kdkj

(Department of Agriculture & Cooperation Ministry of

participation and promotion of investments in qualifying agribusiness projects and to coordinate

Operational Guidelines Venture Capital Assistance Scheme for Agribusiness Development

The Abbreviations and Terms Used in Mou

Operational Guidelines Venture Capital Assistance Scheme for Agribusiness Development

le>kSrk Kkiu esa bLrseky fd, x, laf{kIr 'kCn o 'kCnkofy;k

8. Responsibilities of the Notified Financial

Operational Guidelines Venture Capital Assistance Scheme for Agribusiness Development

8- vfklwfpr fokh; laLFkk dk mkjnkf;Ro

,xzhfct+usl fodkl ds fy, m|e iwath lgk;rk ;kstuk&fn'kk funsZ'k 12

9. Venture Capital Assistance

Are dependent upon agricultural or allied produce

26% of the promoters equity

Operational Guidelines Venture Capital Assistance Scheme for Agribusiness Development

9- m|e iwath lgk;rk

10. Responsibilities of SFAC

Operational Guidelines Venture Capital Assistance Scheme for Agribusiness Development

10- ,l,Q,lh ds mkjnkf;Ro

12. General awareness, publicity and training

8. Responsibilities of the Notified Financial