Balaram Yojana Apply From Download Odisha 


Balaram Yojana Apply From Now Available you can apply offline can downloading Balaram yojana application from. Odisha Govt New Yojana For landless Farmers.

To augment flow of credit to farmers cultivating land as share croppers a 
scheme 'BALARAM (Bhoomihina Agriculturist Loan And Resources 
Augmentation Model) has been formulated in association with NABARD.
Balaram Yojana Apply From Now Available you can apply offline can downloading Balaram yojana application from. Odisha Govt New Yojana For landless Farmers.

The target of the scheme is to form 1 lakh Joint Liability Groups covering at least 5 lakh farmers mainly from among those who are share croppers using ATMA (Agricultural Technology Management Agency) platform of the Department of Agriculture & Farmers' Empowerment, Govt. of Odisha.

What Is Balaram Yojana

As an agrarian State, almost 62% of the rural workforce of Odisha are engaged in
agriculture and allied activities. Agriculture sector still continues to be the major source of livelihoods for a major chunk of the population of the state, although the Gross Value Added (GVA) from the sector in Odisha is only 19.9 % in 2019-20.

During the current situation of the COVID-19 pandemic, the state can leverage the potential of agricultural sector in reviving the economy. A number of migrant labourers have returned to their homes in different regions of Odisha.

In this context the scheme seeks to provide better opportunities to the landless and marginal farmers, among them, in the agriculture and allied sector for their gainful employment. It is necessary to strengthen the farmers cultivating land as share croppers in the state and enable them to avail loan through formal credit institutions.

This is expected to reduce the dependence of the sharecroppers on the money lenders and other informal sources of credit, which is often at usurious rates of interest.

Why Balaram Yojana Start


Usually, the share croppers who are landless or marginal cultivators do not have access to most of the assistance and facilities provided by Government.

The idea of financing Joint Liability Group (JLG) i.e. a group of farmers (minimum 5) is an existing concept and various models have been tried for financing of JLGs. In 'SAMRUDHI' the new Agriculture Policy-2020 of Govt. of Odisha, one of the important measures of action is the promotion of a new model to facilitate sharecroppers by providing institutional credit. Under the 5T initiative, there is a "Task Team" with an objective of financing 5 lakhs sharecroppers in a five years duration. Accordingly, the scheme "BALARAM" (Bhoomihina Agriculturist Loan and Resources Augmentation Model) has been formulated.

Key Features 

To facilitate crop loan financing to share croppers in a more focused manner the 
scheme envisages to use the structured platform of Agricultural Technology 
Management Agency (ATMA) for programme implementation. The salient features of the scheme are:

1. The farmers practising cultivation shall be the target group of crop loan 
financing in JLG mode. 

2. Crop Loans amounting to a maximum of Rs 1.60 lakh per group ( as per RBI 
norms) shall be financed by the banks. 

3. The eligibility of group financing shall depend upon the CIBIL (Credit 
Information Bureau of India Ltd) score of individual farmers and other 
banking regulations. 

4. The Krushak Sathis who are local progressive farmers shall play the prime role of motivator in JLG formation assist the members in the documentation, 
& liaise with the banks for crop loan financing. 

5. Krushak Sathis shall assess the credit needs of the farmers for farming 
activities in his/her Gram Panchayat and form a group of such farmers with 
minimum 5 farmers. 

6. The existing farmer data base containing information of the landless and small / marginal farmers shall be made available to Krushak Sathis so as to help them in identification of appropriate beneficiaries. 

7. Capacity building of officials involved at various levels shall be taken up by the NABARD. 

8. Banks will have specific targets for financing of crop loans to JLG. 

9. The VAW/AO will issue the Certificate of Cultivation (CoC) to the share 
croppers in the prescribed format based on field verification (Annexure I).

10. After harvest & sale of produce in procurement centre of market yard, the 
Krushak Sathi will guide the farmers in timely repayment of loan.

11. Technological interventions like a dedicated portal with access to all 
stakeholders and real time monitoring of crop condition through Mobile App & 
remote Sensing Technology shall be developed and used. 

12. Incentives @Rs 2000/- per JLG shall be provided to Krushak Sathi in 3 
tranches by NABARD i.e. Rs 1000/- on formation of the group & financing by 
banks; Rs 500/- on repayment of loan by the JLG and finally Rs 500/- on refinancing. 

13. Institute on Management of Agricultural Extension (IMAGE) shall be the State Nodal Agency for programme implementation.

14. Mid-term evaluation of the programme shall be taken up for course correction

Balaram Yojana PDF Application From Download

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