Baroda Kisan Pride

For both progressive farmers & scientific farmers: Finance up-to 150%/200%/250% of scale of finance given by DLTC/SLTC is considered X Extent of area cultivated + 30% of limit towards misc. post-harvest expenses / repairs and maintenances of farm assets & insurance expenses.

To provide adequate (i.e. total requirement for end-to-end farming) and timely cash credit facility to Individual farmers, Corporate farmers, Companies of farmers, Agri. firms and any other farmers using Scientific and Progressive methods of farming at competitive pricing.

Progressive Farmers and Scientific farmers

• Corporate farmers
• Farmer’s Producer Organizations/ Farmer’s Producer Companies
• Companies of individual farmers
• Proprietorship firms
• Partnership firms
• Co-operatives of farmers
• Large farmers-individuals/Joint borrowers who are owner cultivators
• Other individual farmers
• Lease cultivators

Existing BKCC borrowers - Existing BKCC borrowers are also eligible to avail Baroda Pride, subject to satisfaction of all the requirements under the scheme. It should be ensured that both BKCC and Pride is not sanctioned on the same parcel of land and special care should be taken to avoid double and excess finance.

In case of Large farmers, if the applicants are two non-related individuals, then they are required to form a constitution, like a partnership firm etc. for becoming eligible under this scheme.

In case of lease cultivators, the conditions applicable for lease cultivators in normal BKCC will be applicable under Baroda Kisan Pride also.

• Loan Application Form
• Passport sized Photographs
• KYC Docs i.e ID Proof like Driving License, Aadhaar Card, Voter ldentity Card, passport etc.
• Registration certificate (in the case of a registered concern), Certificate/ license issued by the Municipal authorities under Shop & Establishment Act
• Registered lease document in case of lease cultivators.
• Title investigation report as per Bank’s extant instructions.
• DP Note, DP Note take Delivery letter.
• Agreement for Hypothecation
• Guarantee Deed if applicable.
• Mortgage deed, wherever applicable
• Arrangement letter duly accepted by the borrower
• Credit Information report: At least two credit bureau reports
• The documents should be revived from the angle of law of Limitation.
• Any other applicable documents

For Partnership Firm (In addition to personal documents of partners):

• Partnership Deed
• Registration certificate
• PAN of partnership firm
• Any other relevant documents

For Limited liability Partnership LLPs (In addition to personal documents of partners):

• Limited Liability Partnership Deed.
• Registration Certificate from Registrar of Companies (ROC) along with Designated Partner’s Identification Number” (DPIN) of the Partners.
• Proof of Address of Registered Office of the LLP.
• Certificate of Incorporation.
• PAN of LLP
• Resolution for opening Account with the Bank.
• Documents in respect of Beneficial Owners, Managers, officers or employees, as the case maybe, holding an attorney to transact on its behalf.
• GST returns.

For Corporates and Companies of farmers:

• Certificate of incorporation.
• Memorandum and Articles of Association
• Permanent Account Number (PAN) of the company.
• A resolution of the Board of Directors to open the loan account and conveying authority to operate the account
• Power of attorney, if any, granted by the Company to transact on its behalf
• An OVD in respect of person holding a Power of Attorney Certificate of Commencement of Business (for Public Ltd Cos.)
• List of present Directors of the company and OVD of each Director (exclude ‘technical directors and independent directors)
• A list of authorized signatories with their signatures duly authorized by the Chairman / Secretary
• List of shareholders and beneficial owner(s) (in case of unlisted companies) along with OVD.
• Bank account statement under the name of the company of the last 6 months.
• Income proof of the business that could be the Income Tax Returns with the profit and loss account and Audit balance sheet.
• Actual/Audited/Projected financial statements: Balance Sheet, Profit & Loss Statement and Cash Flow statement

For Society / Cooperatives/ Association / Club of Farmers:

• Certificate of Registration (Registration mandatory for all excluding farmers’ club).
• Memorandum of Association
• Rules, regulations, and byelaws
• Committee resolution for opening and operating the account.
• A list of Authorized signatories with their signatures duly Authorized by the Chairman / Secretary.
• PAN and other documents for beneficial owners (Same as individuals).

Documents stating Land Holding details duly certified by the revenue authorities / on line land records (where ever it is available). Land related documents and other documents (APPLICABLE TO ALL CLASS OF BORROWERS), Proof of landholding duly certified by the revenue authorities not more than 3 months. Cropping pattern (Crops grown) with acreage

• As per Bank’s extant guidelines.