Atma Nirbhar Bagwani Yojana

Description
Atma Nirbhar Bagwani Yojana is an umbrella scheme wherein all the schemes are subsumed under a bank-linked credit subsidy scheme, which will have a time-bound implementation and participation from various stakeholders – Government, Bank, Project Consultants, and Progressive Farmers. The beneficiaries under the scheme will be eligible for 45% subsidy from the Government of Arunachal Pradesh, 45% bank finance, and 10% beneficiary's contribution. The beneficiary will have to provide collateral security in the shape of land/property or an acceptable guarantee for a loan amount exceeding 1.6 Lakhs in case of individuals and 10 lakhs for SHGs/FPOs. Under this scheme, the following components are included for availing a bank loan: - Arecanut - Pineapple - Avocado - Dragon Fruit - Orange - Banana - Guava - Tractor - Power Tiller - Brush Cutter

Benefits
• Atmanirbhar Bagwani Yojna is basically meant for the cultivation of fruits like apples, walnut, orange, kiwi, and persimmon.
• The line of credit will be provided by the State Bank Of India, Arunachal Pradesh Rural Bank, and Arunachal Pradesh Cooperative Apex Bank.
• 45 percent will be given by the government subsidy, 45 percent as bank loan and 10 percent will be contributed by the farmer.
• There is no collateral for loans up to Rs 1.60 lakh.
• For SHGs, no collateral is needed up to Rs 10 lakhs.
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Eligibility Criteria
1. The applicant must be a resident and farmer of Arunachal Pradesh.
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Application Process
Step 1: The interested farmer/SHG/FPO is required to submit their duly filled application form and
proposai along with a self-attested passport size photograph to the Horticulture Development Office in their
respective Circle during the Office working hou…
Offline

The interested farmer/SHG/FPO is required to submit their duly filled application form and
proposai along with a self-attested passport size photograph to the Horticulture Development Office in their
respective Circle during the Office working hours to avail the scheme.

Required Documents
• Aadhaar Card
• Voter Card
• Residential Certificate
• A valid Bank Account

Frequently Asked Questions
Q: What is Atma Nirbhar Bagwani Yojana (ANBY)?
A: Atma Nirbhar Bagwani Yojana is an umbrella scheme launched by the Government of Arunachal Pradesh to promote horticulture and self-reliance through a bank-linked credit subsidy model involving government, banks, consultants, and farmers.
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Q: Who is eligible to apply for this scheme?
A: Only residents and farmers of Arunachal Pradesh are eligible to apply.
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Q: What is the financial structure of the scheme?
A: **The scheme provides:**

1. 45% Government Subsidy
1. 45% Bank Loan
1. 10% Beneficiary Contribution

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Q: Is collateral required for availing the loan?
A: 1. No collateral is required for loans up to ₹1.6 lakh (individuals) and ₹10 lakh (SHGs/FPOs).
1. For amounts above this, land/property or an acceptable guarantee must be provided.

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Q: Which banks are participating in this scheme?
A: 1. State Bank of India (SBI)
1. Arunachal Pradesh Rural Bank (APRB)
1. Arunachal Pradesh State Cooperative Apex Bank

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Q: What kind of crops and equipment are covered under this scheme?
A: **Eligible components include:**

- Fruits: Arecanut, Pineapple, Avocado, Dragon Fruit, Orange, Banana, Guava
- Machinery: Tractor, Power Tiller, Brush Cutter

(Apples, Kiwi, Walnut, and Persimmon are also encouraged)
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Q: What is the objective of this scheme?
A: To encourage commercial horticulture, increase farmer income, reduce dependency on external markets, and improve local production.
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Q: What is the mode of application?
A: The application process is offline. Applicants must submit their forms to the District Horticulture Office.
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Q: Is land ownership mandatory for this scheme?
A: No. According to the government, land documents like LPC (Land Possession Certificate) are not mandatory for availing the loan.
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Q: Are SHGs and FPOs eligible?
A: Yes. Self Help Groups (SHGs) and Farmer Producer Organizations (FPOs) can apply, and have a higher limit for collateral-free loans up to ₹10 lakh.
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Q: Is there a time limit for implementation?
A: Yes, the scheme is time-bound and implemented in a phased manner across districts with deadlines for each financial year.
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Q: Who will support in implementing the scheme?
A: The scheme involves multiple stakeholders, including the government, banks, project consultants, and progressive farmers for guidance and execution.
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