English Booklet for PDF

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II
III
IV
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VI
VII
VIII

Acronyms and Abbreviations

ADM Additional District Magistrate
CDO Chief Development Officer
DAO District Agriculture Officer
DCO District Cane Officer
DDA Deputy Director Agriculture
DDO Drawing and Disbursement officer
DFS Department of Financial Services
DHO District Horticulture Officer
DIF Directorate of Institutional Finance
DIO District Information Officer
DLC District Level Committee
DM District Magistrate
eNAM Electronic National Agriculture Market
FY Financial Year
GDP Gross Domestic Product
GO Government Order
GoI Government ofIndia
GoUP Government of Uttar Pradesh
GSDP Gross State Domestic Product
INR Indian Rupee
JLG Joint Liability Group
Kisan Credit Card
KCC Lead District Manager
LDM Micro Finance Institutions
MFI Management Information System
MIS Mandal Level Committee
MLC National Bank for Agriculture and Rural Development
NABARD National Informatics Centre
NIC Non-Performing Assets
NPA One Time Password
OTP Regional Rural Bank
RRB Reserve Bank of India
RBI Scheduled Commercial Bank
State Data Center
SCB
SDC

I

SHG Self-Help Group
SMS Short Message Services
UCB Urban Cooperative Bank
UIDAI Unique Identification Authority of India
UP Uttar Pradesh

II

1. Background

In Uttar Pradesh (UP), around 70% of the population directly or indirectly depends on agriculture and
allied activities. In spite of this, the farmers of the state are economically very weak, which is evident
from the fact that UP ranks 13th in terms of farmers’ income among 18 major states1 in India.
The average income of farmers in UP is INR 4,923 per month. This is lower than the national average
of INR 6,426 per month and one-third of the average monthly income of INR 18,059 of Punjab’s farmer.
Also, an average monthly consumption expenditure of INR 6,230 pushes an average farmer from Uttar
Pradesh into a deficit of INR 1,307 each month.
In its endeavors toward improving the agriculture ecosystem, the Government of Uttar Pradesh (GoUP)
is taking many initiatives, like adopting scientific approaches to improve productivity, reducing post-
harvest wastages, skill and agriculture infrastructure development and encouraging agro and
food processing. To align with these initiatives and to provide a timely relief to distressed
farmers, GoUP has formulated a crop loan redemption scheme for small and marginal farmers. This
scheme is an investment for empowering the small and marginal farmers, alleviating their hardship
and rejuvenating agriculture.
GoUP shall provide the much needed capacity enhancement support to small and marginal farmers
and will aim at integrated plan to increase farmers' income byholistic welfare of the sector that
complements its other initiatives. Besides, this shall contribute as a significant step towards achieving
vision of ‘Doubling farmers' income by 2022’ as envisaged by the Honorable Prime Minister of
India.
Under this scheme, GoUP after careful consideration of the options, is committed to redeem crop
loans up to INR 1 lakh of individual small and marginal farmers, whose crop loans were disbursed by
lending institutions on or before 31 March 2016. This redemption would be done after adjusting the
repayments/credits received from the farmer during Financial Year (FY) 2016-17

1 NSSO report, 2013

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2. Key Definitions

S. No. Term Definition
i. Marginal Farmer
A farmer owning agricultural land up to 1 hectare in the State of UP
with name recorded on the record of rights (Khatauni). It would
include total agricultural land of the farmer, located within the state of
UP

ii. Small Farmers A farmer owning agricultural land of more than 1 hectare and up to 2
hectares in UP with name recorded on the record of rights (Khatauni).
It would include total agricultural land of the farmer, located within
the state of UP

iii. Crop Loan A loan given by a lending institution in the form of cash credit for
raising of crops.

iv. Scale of Finance As decided by the District Level Technical Committee of the
respective districts.

Following are covered (through their branches in UP and financing in

UP):

v. Lending Institution ► Scheduled Commercial Banks

► Regional Rural Banks

► Cooperative Banks (excluding Urban Cooperative Banks)

vi. Bhulekh Web application (www.upbhulekh.gov.in/) developed by NIC for
maintaining record of lands (such as owner details, plot details, etc.,)
in the state of UP,

vii. Tehsil Administrative division denoting a sub-district.
viii. Khatauni
The record of rights of a land owner.
ix. Redemption
Redemption in consonance with Uttar Pradesh GO No: 134(B)/01(B)/
S.V.K.N-6/2017, dated 7th April, 2017.

x. Statement of The statement of adjusted crop loan account given by the lending
Redemption institution to the farmer with the signature of the Manager of the
Lending institution.

The letter signed by the chairman of the District Level Committee

xi. Information Letter (DLC) and issued in appropriate awareness campaigns to the farmers,
who are yet to receive redemption amount.

xii. Empowered The Committee constituted under the chairmanship of Chief
Committee
Secretary, GoUP vide GO No: 134(B)/01(B)/ S.V.K.N-6/2017,
dated 7thApril 2017 and order dated 9th May 2017

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3. Scheme

The Government of Uttar Pradesh (GoUP) shall provide loan redemption up to INR 1 lakh to individual
small and marginal farmers, whose crop loans were disbursed by lending institutions on or before
31st March 2016.

For the purpose of calculating the loan redemption amount, the outstanding amount (including the
interest) as on 31st March 2016 would be reduced by the repayments/credits received from the farmer
during Financial Year (FY) 2016-17 (after 31st March 2016 and till 31 st March 2017) without taking
into account the money withdrawn by the farmer or new sanctions by the lending institutions during FY
2016-17.
Criteria for the scheme:

► The farmer taking the loan, bank branch (through which the loan has been granted) and the
farmer’s owned land, all shall be in the state of Uttar Pradesh

► The total area of all the lands owned by the Small farmer would not exceed 2 hectares and by
the marginal farmers would not exceed 1 hectare

► The farmer whose crop loans were restructured due to occurrence of natural calamities in
accordance with the guidelines of the Reserve Bank of India (RBI) will be covered under this
scheme.

► Crop loans taken by farmers for cultivation on government-leased land, as per the Revenue
Records of government

Loans to be excluded from the scheme are as follows:
► Crop loans availed by Self Help Groups (SHGs) and Joint Liability Groups (JLGs)
► Loans to farmers by companies or corporate guaranteed loans even though disbursed by lending
institutions and loans given by other institutions like Trusts, Partnerships, Micro Finance
Institutions (MFIs)/ Urban Cooperative Banks (UCBs)
► Loans extended to sugar factories for onward lending to member farmers
► Term loans given for any purposes
► Loan or cash credit accounts given for fisheries or any kind of activities allied to agriculture
(excluding crop loan).
► Any crop loan taken by particular farmer against the same piece of land, for
the same purpose but from more than one bank would not be eligible for any redemption.
However, if the farmer has availed the loan from multiple banks for multiple crops against the
security of different agricultural lands, the redemption would be given on proportional basis,
subject to a maximum aggregate of INR 1 lakh
► Cases where money withdrawn from the Kisan Credit Card (KCC) account has been mis-
utilized or not used for crop purposes, but deposited in any term/ recurring deposit account

Any aspect of the scheme that is not explicitly mentioned in this scheme document would be
addressed by the Empowered Committee.

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Non-Performing Assets (NPAs)
Crop loans of individual small and marginal farmers classified as NPAs by the lending institutions in
line with the RBI norms would form part of the loan redemption scheme for NPAs.
Eligibility criteria for NPA

► In case of NPAs, loans prescribed under the scheme, disbursed up to 31st March 2016, would
be taken into consideration

► Recovery charges while calculating the outstanding balance for NPA accounts will not be part
of the eligible amount

Loan redemption scheme for NPAs

► The redemption amount for NPA loans would be up to INR 1 lakh
► A separate scheme for redemption of NPAs would be brought after negotiation with the

banks

4. Role and Responsibilities of Stakeholders

The roles and responsibilities of the stakeholders are provided below:
National Informatics Centre (NIC)

► The NIC will enable facilities and the information technology (IT) infrastructure for the
successful implementation of the scheme.
o The NIC will design and develop a web portal (www.upkisankarjrahat.upsdc.gov.in) to
provide access to various stakeholders for the purpose of scheme implementation. The
web portal would be hosted by the State Data Centre (SDC), which would also provide
the necessary infrastructure. Digitally signed data provided by lending institutions
would be uploaded on the web portal and checks as proposed by Directore of
Institutional Finance ( DIF) would be incorporated.
o It will design, develop, and maintain the grievance redressal system, which will address
the grievances of the farmers.
o It will facilitate in establishing a facility for monitoring the implementation of the
scheme across the state. This would be done through, generating identified reports for
various stakeholders, monitoring real-time progress, providing video conferencing
facility with the District Magistrate (DM) and integrating the workflow to inform the
stakeholders about the pending tasks.
o NIC will provide operational manuals for all IT infrastructure.
o All operational queries related to the above-mentioned infrastructure would be handled
and managed by the NIC through its dedicated control room established at Yojana
Bhavan, Lucknow.

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o The infrastructure required along with hardware, manpower, communication
equipment and contingencies to support the control room will be extended by the
Department of Institutional Finance. It will provide two technical persons along with
contingency to support DLCs and the District Information Officer (DIO) with technical
operations and capacity building.

State Data Center (SDC)

► It will enable data security, cyber security, and access management for the entire infrastructure.
► It will provide infrastructure for hosting the web portal.
► It will arrange for security audit.
► It will ensure 24 X 7 smooth functioning of the portal with appropriate concurrency provision

and daily backup of data.
Lending institutions

► The lending institutions will ensure accuracy, integrity, and completeness of the audited crop
loan data (as per Appendix 1a, 1b, and 2) provided on the web portal developed by the NIC,
including additional details uploaded on the web portal relating to Bhulekh and Aadhar data.

► The ownership of data would lie with the lending institutions and they would be responsible for
any discrepancy in the data.

► The lending institutions would actively participate in the appropriate awareness campaigns and
drives to gather additional farmer details in a timely fashion.

► The lending institutions through their district coordinating officers would participate in and
assist the DLC in identifying the eligible farmers as per the loan redemption scheme criteria.

► After receiving the loan redemption amount from the GoUP, the lending institutions would
immediately adjust the farmer’s crop loan account as prescribed under the scheme and provide
a “Statement of Redemption/ Information Letter” to such farmers. The bank would also
distribute such certificates whenever demanded.

► They would actively participate in the disposal of grievance of farmers.
► They would timely provide statement of credit (scroll) to the DLC.
► The lending institutions will provide audited certificates (statutory auditor) to DLCs, regarding

the correctness of eligible farmers and the amount credited to their identified crop loan accounts
under the scheme.

Department of Agriculture

► The Department of Agriculture would monitor fund disbursal and its utilization
► It would coordinate with the DLC for organizing the appropriate awareness campaigns
► The department will monitor redressal of grievances

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► The department will manage the budget made available through the Department of Finance and
transfer it (as and when required) to the lending institutions

► It would report through a system of Management information system (MIS) to the GoUP
► It will be responsible for the appropriate audit of the scheme

Directorate of Institutional Finance (DIF)

► The Directorate would co-ordinate with all stakeholders of the scheme for data collection
from the lending institutions and subsequent record management.

► The Directorate would convene State Level Empowering Committee meetings to resolve the
matters that are not explicitly mentioned in the scheme.

► It would provide the NIC with scheme-related checks.
► It would provide funds for setting up the web portal (including all associated costs), the NIC

control room at Yojna Bhawan and District NIC support infrastructure.

Department of Revenue

► Revenue officials at the district level would be responsible for verifying details of small and
marginal farmers and assisting the DLCs as deemed necessary.

District Level Committee (DLC)

► The following would be the composition of the DLC. If required, the District Magistrate (DM)
can nominate other members to the Committee.

S. No. DLC Role

1 District Magistrate Chairperson

2 Chief Development Officer (CDO) Secretary

3 District Agriculture Officer (DAO) Co-Secretary

4 Deputy Director Agriculture (DDA) Member

5 Additional District Magistrate (ADM) Member

6 Lead District Manager (LDM) Member

7 Assistant Registrar/Commissioner, Co-operative Societies Member

8 General Manager, Co-operative Bank Member

9 District Coordinators of all Banks Members

10 District Cane Officer (DCO) Member

11 District Horticulture Officer (DHO) Member

12 District Information Officer (DIO) Member

13 District Informatics Officer (DIO), NIC Member

14 District Economics & Statistics Officer Member

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► Responsibilities of DLC
o The DLC would be involved in monitoring and time-bound implementation of the scheme.
o The DLC would be involved in making decisions at the district level.
o TheDLC willdeliberateonthecrop loanfarmer datareceivedfromtheDepartment of
Agriculture to assess the eligibility of small and marginal farmers. The final list of farmers
as decided by the DLC will be handed over to the Secretary and Co-Secretary of the
Committee. The Co-Secretary will digitally sign the data and issue the required pay order to
the lending institution.
o The DLC would deliberate on the farmers' data as and when farmer details are made
available. The minutes of the Committee meetings would also be uploaded on the web portal
for record purpose.
o The DLC would be responsible for establishing the category of farmers as per the definition
mentioned in the scheme. Any decision related to this would also be taken by the DLC.
o According to the scheme devised by the State Government, the validation of the list of
eligible farmers through the NIC portal and transfer of redemption amount to the farmers
account would be the responsibility of the DLC.
o The DLC would be responsible for organizing appropriate awareness campaigns and
taking other publicity measures DLC would be responsible for distribution of Statement of
redemption (Appendix A) and information letter (Appendix B) to the farmers during the
awareness campaign meetings.
o The DLC will be responsible for verification of the farmers who have availed loan from
multiple accounts for different crops against the security of different plots of lands, for which
the redemption would be given on proportionate basis, subject to a maximum aggregate of
INR 1 lakh.

Mandal Level Committee (MLC)

► The following would be the composition of the MLC. If required, the Divisional Commissioner
(DC) can appoint other members to the Committee.

Sr. No. Mandal Level Committee Role

1 Divisional Commissioner Chairperson

2 Joint Development Commissioner Secretary

3 Joint Direct or Agriculture Co-Secretary

4 District Magistrates of Division Members

5 CDOs of Division Members

6 Joint Registrar/Commissioner Cooperative Societies Member

7 Deputy Cane Commissioner Member

8 Deputy Director Information Member

9 Deputy Director Economics & Statistics Member

10 Controllers (Regional/ Zonal Managers) of banks
Members

operating in the districts of the division

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► Responsibilities of MLCs

a. It would take decisions on the representations given by farmers who are identified
ineligible by the DLC.

b. It would decide on the issues referred by the DLC, in accordance with the provisions
of the scheme and extant Government orders.

c. It would supervise the implementation and execution of the scheme in their respective
division.

d. It would communicate policy-related issues to the Empowered Committee at the state
level.

State Level Empowered Committee
► In pursuance to the order number -134 (b) 01 (b) / SVKN-6/2017, dated 7th April 2017 and the

order dated 9th May 2017 regarding Small and Marginal Farmers’ crop loan redemption a
committee has been constituted under the chairmanship of the Chief Secretary, GoUP.
► The composition of the committee is as follows. As and when required, the Hon'ble Chief
Minister is authorized to make changes in the number of members in the committee.

Sr. No. State Level Empowered Committee Role

1 Chief Secretary, GoUP Chairperson

2 Agricultural Production Commissioner Member

Additional Chief Secretary / Principal Secretary,
3 Member

Department of Finance, GoUP

Additional Chief Secretary / Principal Secretary,
4 Member

Department of Institutional Finance, GoUP

Additional Chief Secretary / Principal Secretary,
5 Member

Department of Agriculture, GoUP

Additional Chief Secretary / Principal Secretary,
6 Member

Department of Revenue, GoUP

Additional Chief Secretary / Principal Secretary,
7 Member

Department of Co-operatives, GoUP

Additional Chief Secretary / Principal Secretary,
8 Member

Department of IT and Electronics, GoUP

9 Convener, State Level Bankers Committee, Member

► Responsibility of State Level Empowered Committee
a. It would take decision in the matters related to scheme referred by MLC
b. It would prepare the structure of the scheme, after careful consideration of all matters.
c. It would prepare proposal for arranging the necessary resources required for the scheme
implementation.
d. It would ensure implementation and monitoring of scheme.

District Magistrate (DM)
► The DM would be Chairperson of the DLC.
► The DM would be responsible for planning, execution and implementation of the scheme.

Department of Information

► The Department of Information will be responsible for publicity, raising awareness
of the scheme and actively participating in the appropriate awareness campaigns.

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5. Implementation Process

With reference to the decision of crop loan redemption by the Government, the following process has been
outlined for the transfer of benefit to the farmers in a transparent manner:

I. The NIC would develop a portal for the implementation of the scheme. The respective state-
level bank nodal officers would upload the data in the portal as per the template provided in
Appendix 1a and 1b.

II. The DIF would send the digitally verified bank data through the portal to the login of Director,
Department of Agriculture, after due certification by banks in the prescribed format.

III. The Department of Agriculture through the nodal officer (Director) would further share the
respective district data with the Co-Secretary, DLC, through the portal. Simultaneously, the
Director, Department of Agriculture, would inform the Government about it. Further, the
Directorate of Agriculture would transmit the information within three working days of its receipt
on its login, and would also inform DIO, NIC.

IV. Immediately after receiving the information, the Co-Secretary, DLC, would present this
information to the DLC.

V. The following procedures would be performed by the DLC.

1. The DLC has to ensure that all data related to Appendix 2 is entered by the bankers
in the portal within 10 days.

2. After the completion of these entries within the stipulated time, data checks would be run
by NIC through a software. The DLC would analyze the data through the NIC
software. After the analysis, a village-wise farmers list would be made available on the portal
and would be displayed publicly. This list would comprise Aadhar seeded, Aadhar non-
seeded, and non-Bhulekh mapped farmers. The Aadhar data would be validated by UIDAI.

3. Co-Secretary, DLC, would present the list generated in step 2 for the validation to the
DLC. The DLC would prepare a list of eligible and ineligible farmers on the
basis of the criteria as defined in the guidelines. Representations of such ineligible farmers
would be decided by the MLC under the chairmanship of Divisional Commissioner.
The list of eligible farmers will be displayed publicly.

4. Based on the above recommendation, the minutes of the meeting will be uploaded on the
respective portal. The list of eligible farmers as identified by the DLC would be
uploaded through digital signature of Co-Secretary, DLC on the web portal. The budget
provision for crop loan disbursement would be made in the grant of the Department of
Agriculture. After the financial sanction of the budget, the provisional funds will be

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available at the disposal of the Agriculture Director for disbursement. This disbursement
will be done in the following manner:

a. The Director of Agriculture will sanction funds on the basis of requirement
of fund raised by the DAO. This would be sanctioned for allotment to the Deputy
Director Agriculture (Drawing and Disbursing Officer) within three working days
of the request raised by the respective DAO.

b. The DLC will give the final approval for the funds to be redeemed to the farmer’s
loan account and disbursement approval order will be given by the DM.

c. The DDO will draw the required amount from the Treasury through bill and
disburse the funds to nodal branches of the bank at the district headquarter. Along
with this disbursement, a list with details of the eligible farmers will also be
provided to these nodal branches. The nodal branches have to deposit the funds in
the respective loan accounts of the farmers within three working days of the receipt
of the fund.

d. Respective nodal bank branches have to submit a certificate (utilization certificate)
to the DDO indicating that the nodal branch has deposited funds in the account of
the farmers. This certificate has to be submitted within three working days of fund
deposit. This will also be informed to the DAO.

e. An account would be opened in each nodal branch for the disbursement of the
funds. To open the account, necessary information will be obtained from the
banks.

f. The utilization certificate will be sent to the state headquarters of the bank through
the portal prepared by NIC. Subsequently, the utilization certificate signed by state
head office of the bank would be sent to Director, Agriculture.

5. Within seven days of funds transfer to the farmers’ accounts, the Committee would organize
the camps under the appropriate awareness campaign at the respective bank branches.
Before organizing this awareness and publicity campaign, the Committee would make a
list of all the beneficiaries public and will drive the awareness and publicity programs for it.
During this awareness campaign, all the farmers as per the list have to go to their respective
branches and collect their statement of redemption/ information letter, with respect to their
loan account number. Farmers can also obtain these certificates online. DLC will distribute
the respective certificates during the camp under the awareness campaign. For the same,
guidelines will be issued separately.

Banks would obtain a consent letter (Appendix C) for seeding the Aadhar details from the
farmers who have received the information letter (Appendix B). The DLC would obtain the

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statement of credit (scroll) (Appendix 5) for the list of all eligible farmers whose redemption
money has been transferred and the relevant details would be uploaded on the portal.

6. Eligible farmers who have received the information letter during the first camp under the
awareness campaign and have consented for their Aadhar seeding, would get their accounts
Aadhar seeded as per the guidelines mentioned in the information letter. The farmers
should get their account Aadhar seeded before the second camp under the awareness campaign.
The Committee would follow the same guidelines as mentioned in points 3 to 5 for the list
of eligible farmers whose Aadhar seeding has been completed in one (1) month. Thereafter,
the econd camp under the awareness campaign would be organized.

VI. 7. The DLC would procure the list from the web portal for all such farmers who have received
VII. “information letter” and have not consented for Aadhar seeding of there accounts. The DLC
would decide on their eligibility based on the set guidelines. These eligible farmers would get
VIII. the statement of redemption (Appendix A) in the final camp under the awareness campaign
IX. as per the process implemented initially.

Any grievance related to the scheme implementation would be redressed by the DLC at
the district level and the MLC at the divisional level.
Prior to the implementation of this scheme, the DIF and the Department of Agriculture would
jointly organize a training of all the related officers. This training would be facilitated by the
NIC.
The Department of Information would be responsible for the entire awareness program and
publicity of the entire scheme.
For grievance redressal and monitoring, NIC would develop a portal and the DM would set up a
control roomat thedistrict level. At thecontrol room, all thegrievances would befed in the
grievance redressal portal. The DLC would also maintain a phone number for grievance
redressal at the district level. The DM would be responsible for monitoring the scheme as per the
extant guidelines and ensure reporting to the state-level control room or any such infrastructure
created for the purpose at the state level. The control room would generate and forward the reports
to Additional Chief Secretary (ACS), Department of Finance and Director General (DG), DIF
and Empowered Committee

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6. Grievance Redressal Portal

NIC will develop a portal for the transparent implementation of the crop loan redemption scheme,
Grievance redressal and monitoring.

1. This portal will have three major interfaces (A, B, C):

A. For the farmers' grievance registration: This interface will be One Time Password (OTP)-
based. Farmers will be able to register their complaints in a set format.

B. For registering the complaint at the DM level: In this interface, complaints received at the
district level control room will be entered in a set format. This interface will be password-
protected.

C. Monitoring reports interface: On this interface, a user with a verified login ID can check
the progress reports at the following levels:
a. District
b. Division
c. Directorate of Agriculture
d. Directorate General of Institutional Finance
e. Government

2. Actions taken procedure on the portal:

(A) Any farmer can register their complaints either online (interface A) or offline (through the

DM) in the following format:

Format:

Farmer’s nameName of Gata Patta Aadhar Phone
Father’s namebank number holder number numbe
Revenue village namebranch against r
(Drop down list)mapped which Ye N Yes N
Tehsil namewith loan has so o
Block namerevenuebeen
Loan account numbervillageavailed
Revenue village name(drop
(drop down list) (This isdown
repeated)list)

1 2 3 45 6 78 9 10 11 12 13 14

(B) After filling up this format, the aggrieved farmer has to select a category of the
complaint, so that it can be registered under a particular category at the DM control
room. An illustrative list of categories is provided below:

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1. My loan has not been redeemed, though my name is in the list
2. My loan has not been redeemed, my name is not in the list
3. My name is in the list, but I have not received the Redemption Certificate
4. My name is in list for Information Letter, but I have not received the information

letter
5. I have received the Redemption certificate, but my loan has not been redeemed
6. My loan has been redeemed, but I have not received the Redemption certificate
7. I have to get myself registered for Aadhar, I am eligible for loan Redemption

and my name is also in the list
8. I will not get myself registered for Aadhar, I am eligible for loan Redemption

and my name is also in the list
9. Banks are not cooperating.
10. My name is in the list, but bank is not issuing Redemption certificate
11. I have lost my Aadhar card, but my name is in list
12. Any other (Please specify)

Based on these formats, village-wise and category-wise lists will be generated on the DM’s
login. Post verification of these lists, the DM will approve online the names of farmers found
eligible in these lists. After the DM approval, the eligible list will be printed and submitted
to the DLC for its action. The Committee will take action as per the scheme guidelines and
implementation process.

3. Monitoring report displayed on the portal (Interface C)
(A) District-level report:
1. Number of complaints/grievances received category-wise, village-wise, tehsil-
wise, the number of complaints/ grievances received and the number of complaints
resolved
2. Out of total complainants, the total number of eligible farmers (who have received
certificates)

(B) Directorate General of Institutional Finance and Director, Agriculture level report
1. Phase-wise, totalnumber of farmers whohavereceivedthecertificatevis-a-vis
total number of identified farmers

District Awareness Total Total number Total number of Total number of
campaign number of of farmers who farmers who farmers who have
and farmers in have received have received received NPA
publicity master list loan information certificate
date redemption letter
certificate

2. This report at the state level will be in a similar format as at the district level.
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7. Financial Resources for the Scheme

Financial resources for the crop loan redemption scheme for small and marginal farmers will be
arranged separately by the Department of Finance.

Expenses have to be incurred on the operationalization of scheme for the purposes of awareness
campaign, buying of computer systems, engaging computer operators, travel allowances and any other
related activities. Directorate of Agriculture shall estimate in advance the expenditure on all these heads.
Department of Agriculture, GoUP will verify the same and will make budgetary provisions in the grant
of Department. Officers/ workers of the Agriculture Department involved in the implementation of this
scheme would not get any honorarium amount for the same.

8. Roadmap for empowerment of farmers

While this scheme aims at providing temporary relief to the debt-ridden farmers, the GoUP is committed
to create a conducive environment to foster a culture of credit discipline and to take proactive steps for
raising farmers’ incomes. Through this twin approach, it seeks to minimize such incidences of debt
relief in the future. The Department of Agriculture is working on appropriate strategies in order to
develop and operationalize both approaches.

1. Credit discipline: The strategies under this approach would focus on promoting and
popularizing the set of moral values that underpin credit discipline. Also the Govt. would introduce a
policy of rewarding borrowers who adhere to the credit discipline, by using a variety vehicles such as
public honoring of regular re-payers or rewarding them through a prize structure. It would be
necessary to evolve a mechanism for such education and advocacy amongst farmer community
through government agencies in partnership with NGOs. There needs to be a time bound
program to develop content for such advocacy and mobilization field campaigns with specific
targeted outcomes.

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2. Integrated plan for raising farmers’ income: There needs to be an integrated action plan for
raising farmers’ income within the broader framework of Government of India (GoI) mandate
of “Doubling farmers’ income by 2022”. While there already exists a broad shelf of schemes
promoted by the Central and State Governments, there is a lack of synergistic linkages,
professional project management, and target oriented outcomes. Such an action plan would be
different from conventional ones as it would focus on integrated planning aimed at bridging the
gaps, creating synergies by encouraging new innovation or adapting innovations proved
successful elsewhere. It would also explore ways of harnessing resources from the private
sector or NGOs. An effective plan seeks to impinge upon the whole spectrum of the agriculture
value chain from inputs to markets. The plan would not be general for the whole state but rather
tailored to the local needs of selected topographies and would be professionally managed with
private partnership. With this in mind, the State Government has developed a roadmap for
doubling farmers’ income in the next five years. Some of the areas that are highlighted in this
road map are:
a. Scientific approaches to increase the productivity, e.g., use of micro irrigation and
certified seeds
b. Crop planning and diversification and incentives for organic farming
c. Approaches and methods for reducing wastage in post-harvest management
d. Increasing the arable land by converting fallow land into active land
e. Skill development and agriculture infrastructure development
f. Value addition by sorting, grading, packaging, etc.
g. Encouraging food processing in the state

h. Development of fruit and vegetable markets and linking mandis to Electronic National
Agriculture Market (eNAM)

i. Encouraging floriculture, horticulture, animal husbandry, etc.
j. Post-harvest management and storage

9. Modifications and Clarifications in the scheme

The Hon’ble Chief Minister, on the recommendation of the Committee constituted vide GO No.
134(B)/01(B)S.V.K.N-6/2017 dated 7 April 2017 would be authorized to approve any modification,
alteration, or amendments or issue clarification regarding the scheme.

15

Appendix

Appendix 1a: Data Template for Small & Marginal Farmers

Data Template for Small and Marginal Farmers

Bank Branch Branch District Name of Category Customer Saving Address Whether Small Crop
IFS Code the Bank 9 Farmer/Marginal Loan
Farmers SC/ST/Others ID No. A/C no. Farmer KCC
(Borrower) A/C No.
8
12 3 4 5 67 10 11

I

*The above table is illustrative and the data points are indicative, not exhaustive and are subject to change as per the scheme

Activity/Scheme Date of Outstanding Credits in Land Location Details against which KCC/CL has been Aadhar Mobile
Code Limit As on A/C from disbursed no. No.
Sanctioned 31.03.2016 1.04.2016
12 to Tehsil Village Khata Gata No. Area in 21 22
13 31.03.2017 No. as per Hectare
Khatuni

14 15 16 17 18 19 20

*The above table is illustrative and the data points are indicative, not exhaustive and are subject to change as per the scheme

Appendix 1b: Data Template for Small & Marginal Farmers-NPA

Data Template for Small and Marginal Farmers — NPA

Bank Branch Branch District Name of Category Customer Saving Address Whether Small Crop
IFS Code the SC/ST/Others ID No. Bank 9 Farmer/Marginal Loan
Farmers A/C no. Farmer KCC
(Borrower) A/C No.
8
12 3 4 5 6 7 10 11

*The above table is illustrative and the data points are indicative, not exhaustive and are subject to change as per the scheme

Activity/Scheme Date of Details of NPA Accounts Land Location Details against which KCC/CL has Aadhar Mobile
Code Limit No.
Sanctioned been disbursed no.

Date of Outstanding Category Tehsil Village Khata Gata No. Area in
declaration As on of NPA No. as per Hectare
of NPA 31.03.2016 Khatauni
with
II interest

12 13 14 15 16 17 18 19 20 21 22 23

* The above table is illustrative and the data points are indicative, not exhaustive and are subject to change as per the scheme

Appendix 2: Bhulekh Data Template

Land Location Details against which KCC/CL has been disbursed Aadhar No. Mobile No.

Tehsil Village Khata Gata No. as per Area in Hectare Fasli Year
No. Khatauni

* The above table is illustrative and the data points are indicative, not exhaustive and are subject to change as per the scheme

Appendix 3: NIC Data Check Set

The following checks would be performed on the data online through the portal by the District
Agriculture Officers using their login when they receives the district data from the Directorate of
Agriculture. The link for validation would be given in their login account for data validation. After they
execute all validation checks, the error lists for all checks would be generated. All error lists would be
available to be downloaded as an Excel file. These error lists would be printed and presented to DLC
to take appropriate decision

KCC account number is blank or invalid
Farmer name is blank
IFS Code is blank or invalid
Scheme/Activity Code is blank
Outstanding amount is blank or null or negative
Outstanding amount is greater than or equal to INR 3 lakh
Repayment amount is blank or null
Address is blank
Customer ID is blank
Date of limit sanctioned is blank or invalid date
Duplication of records (bank name, branch name, KCC number and outstanding
amount)
Duplicate Aadhar numbers
Outstanding Loan is INR. 3 lakh or more
List of borrowers availing finance from multiple banks
Activity other than crop loans

III

Appendix 4: Bank Certificate

Date: DD/MM/YYYY
Letter No.:…………….

Bank Certificate
This is to certify that the data related to the loan redemption scheme on the portal has been checked by
us and we confirm that there is no difference in the data that was provided by the banks in compliance
with the Chief Secretary’s Letter no. 1815/06/SIF/2017/AGR, dated 24th May 2017 and data available
on the portal.

Nodal Officer
Signature:
Name:
Bank Seal

IV

Appendix 5: Statement of Credit

Date: KCC Bank Name: Amount Date of
District: Account Credited in Credit
Branch: No IFS Code: famers
Account
S.No. Farmer Name Amount (Y/N)
Sanctioned by
Government

(in INR)

* The above table is illustrative and the data points are indicative, not exhaustive and are subject to
change as per the scheme

Branch Summary

Total farmer’s accounts in which amount was received from
government (A):

Total amount received by bank branch for credit in farmer’s
accounts (B):

Total accounts in which amount credited (C):

Total amount credited (D):

Accounts in which amount was not credited (A-C):

Total amount left with the branch for credit to farmers’ account
(B-D):

*The above table is illustrative and the data points are indicative, not exhaustive and are subject to
change as per the scheme

Name of bank Nodal officer of the district: Mobile No: Signature:

Note:
This statement would be submitted by each bank branch to the District Coordinator for the bank to the
DLC. The DLC would submit the consolidated statement of the respective bank branches to the
Committee. A copy of this Appendix would be provided to the District Agriculture Office, who will
update this information in the portal through their login. Only after this information for all bank
branches is entered on the portal will the credit to the farmers’ accounts be confirmed at state-level
reports.

V

Appendix A: Statement of Redemption

Statement of Redemption
[Letterhead of the Bank]
[Name and Address of the Farmer]
[KCC Account No…………..]
Dear Farmer,
We are pleased to certify as per the decision taken in relation to Crop Loan Redemption Scheme for
Small and Marginal farmers by Uttar Pradesh Government,wecertify that under the ‘Croploan
redemption scheme’ an amount of INR _________ has been credited to your KCC account number
____________.

Sincerely,
Sd/-

Name
Designation

For any query, please contact:
District Level Committee: Toll-Free No. XXXX-XXXX-XXXX
District Magistrate:

VI

Appendix B: Information letter

Information letter
[Letterhead of the District Magistrate]
[Name and Address of the Beneficiary]
[KCC Account No…………..]

Dear Farmer,
The Government of Uttar Pradesh has formulated the crop loan redemption scheme for small and
marginal farmers, as an endeavor toward providing timely relief to distressed farmers. For the smooth
and transparent implementation of the scheme, the government is implementing this scheme in a phase-
wise manner.
We are pleased to inform you that in the first phase, we have redeemed the loan of those farmers whose
loan account was already Aadhar-seeded and as per the scheme, your loan (account no. ______,
outstanding amount INR _____) is also under consideration. A decision has to be taken on this by the
District Level Committee headed by the District Magistrate.
In reference to this, we solicit your support with the following:
► In case you have an Aadhar number, please get it linked with your respective loan account by

visiting your respective bank/branch.
► If you do not have an Aadhar number, you are requested to kindly contact the office of your District

Agriculture Officer for further proceedings to complete all the required formalities for the
consideration of your loan account by the Committee. The Committee would take a decision on it
as per the scheme guidelines.
Thanking you,

Sincerely,

District Magistrate

VII

Appendix C: Aadhar Consent Form

A. I hereby provide my consent to seed my Aadhar No. …………. with my KCC loan account
No……………….

B. I don’t have my ‘Aadhar’. I will get my ‘Aadhar-Registation’ done. On receipt of my
‘Aadhar’ number, I will submit to my bank (bank name ____________ and
branch______________) to seed it with my loan account No……………….

C. Other reasons (Please specify) ____________________________________________
(Note: If anything is not applicable, it should be striked out)

Signature………………..
Farmer’s Name:………
Father’s Name:………….
Mobile No…………….
KCC No……………..

VIII

DIRECTORATE OF INSTITUTIONAL FINANCE
INSURANCE AND EAP, UP

16, VIDHANSABHA MARG, LUKCNOW

Website : www.insfinance.up.nic.in