Small holder farmers with total dependency on agriculture are the preferred clients for this product. The loan strengthens their economic base with time, allowing them to procure necessary inputs such as seeds, fertilizer, pesticides, and herbicides at affordable costs. Agriculture loan is given to individuals/groups of 5-10 members, from Rs.15,000 to Rs.75,000 per member, or Rs. 15,000 per acre, with repayment tenor ranging from 4-6 months with bullet recovery, and age ranging from 18-59 years. This is offered with mandatory life insurance cover.