Home | About Us | Recruitment | FAQs | Feedback | Inquiry | Sitemap | Contact Us
Toll Free Number: 1800 425 1515   
WCAG 2.0 compliant website  
+ हिंदी తెలుగు
Short Term Agrl. Credit Agrl. Term Credit Women Empowerment Special Schemes RSETIs
home Home »  Agriculture »  Women Empowerment  » AgriMahilaJyothi Wcag
Font:- [+] [-]  
 bulate Women Empowerment
Arrow AB Mahila Sowbhagya
Arrow AB Self Help Groups
Img AB Mahila Jyothi
AB Mahila Jyothi
  AB Mahila Jyothi (Self Help Group model for community "Managed Sustainable Agriculture)

The scheme envisages to intend finance to  SHGs in community Managed Sustainable Agriculture at  villages in the state of  Andhra Pradesh.


All existing, eligible SHGs in Community Managed Sustainable Agriculture villages spread over 304 mandals of A.P shall be covered. New SHGs not linked so far will also be covered after 6 months of regular savings.

  Eligibility Criteria

Only "A" rated groups as per Critical Rating Index to be financed. Loan limit as per Micro Credit Plan (MCP). Micro credit Plan comprises of the following components:

  1. Crop production: Lease amount and working capital requirement of Tenant farmer members
  2. Working capital for owner farmer members.
  3. Term Loan for Land development: includes investment for Land development i.e. land leveling, bunding, drilling of bore wells, digging or de-silting of wells, laying / extension of pipe lines etc.
  4. Term Loan for Livestock / Dairy: Finance to be extended for purchase of milch cattle, sheep and other livestock.
  5. Debt swapping: Debt swapping requirement i.e. for repayment of loans of their members taken from non-institutional lenders (private money lenders) / other Banks subject to 40% of MCP (or) to the extent of debt , whichever is lower
  6. Consumption: Health, education, marriage, consumption and other social needs can be financed under this component subject to maximum of 10% of the investment credit (i, ii, iii & iv components).
Aggregate Limits for 1st and 2nd Dosages should not exceed Rs.5.00 Lakhs (Rupees Five Lakhs only). From third Dosage onwards, aggregate limits should not exceed Rs.10.00Lakhs (Rupees Ten Lakhs only).
  Role of SERP

  1. MOU with SERP / Tripartite agreement with the group, SERP and Branch to be executed.
  2. Formation and Identification of groups.
  3. Training to SHG members
  4. To provide agri-extension services for community Managed sustainable agriculture.
  5. Convergence of Community Managed sustainable agriculture and NREGA for taking up water harvesting and soil conservation works on farm land.
  6. IT Support by SERP :
  7. Laptops will be provided to village book keepers in all the CMSA villages by SERP.
  8. Books of accounts of all SHGs will be maintained electronically in CMSA villages.
  9. Crop monitoring through the use of IT.  
  Rate of Interest

click here for Interest rates
  Repayment schedule : (Applicable to the present scheme only)
  1. For 1st and 2nd Dosages, Loan is repayable in 60 monthly instalments with a gestation of 6 months. Interest to be repaid as and when debited to the account.(Max. Limit Rs.5.00 Lakhs)
  2. For 3rd dosage onwards, loan is to be repaid in 96 monthly instalments with a gestation of 6 months. Interest to be repaid as and when debited to the account.
  Security : Primary

Hypothecation of present and future standing crops along with other assets created out of our Bank Loan. 

  Collateral : (Applicable to the present scheme only)

First & Second Doses of Finance: Collateral Security need not be insisted up to Rs.5.00 Lakhs per group.

From Third Dose onwards: Collateral need not be insisted upto Rs.10.00 Lakhs per group for SHGs with good repayment track record.

Img Customer Corner Img
Img Upset / Complaint / Grievance Img
  Online Services
Img PrePaid Card - Customer self care portalImg
Img Internet Banking
Img Online Tax PaymentImg
Img Andhra Bank Credit Card Bill payment through Bill DeskImg
Img Tax payment thru ATMImg
Img AB BillPay Img
Img AB Online Shoppe Img
Img Mobile Banking mPAY
Img Immediate Payment ServiceImg
Img SMS Banking
Img Online - Trading
Img AB Lock Box Facility
Img IndiaFirst Online Services
Img e-rail Ticketing
Img Tele - Banking
Img Religious Offering
Img Verified by Visa / 3d Secure Code
   Security alerts & Tips
   Anti Phishing
Please do not disclose your
NetBanking Login and Img
Password to anyone. More..

News & Events

Click here for Notice of Annual General Meeting and Record Date for Payment of Dividend

Waiver of processing charges in Housing Loans, Car Loans, Two wheeler loans, Consumer durables, Clean Loans for the festive season from 25.09.2014 to 31.12.2014

The existing customer grievance redressal mechanism would also cover the complaints relating to outsourcing

Use your Visa Debit Card for shopping in POS/Online within 3 months of card issuance & get 5% Cash back. Offer applicable to cards issued after December 2013,T&C Apply


You can now donate to Shri Saibaba Sansthan Trust, Shirdi through IMPS-Mobile Banking.

Form 15G/15H has to be submitted afresh at the beginning of each financial year to avail exemption/concession in TDS. Quoting of PAN is mandatory for availing such exemptions/concessions.

All our Banks cheques are payable at par henceforth. We request all our customers to surrender their old cheque books at their account branch and obtain CTS 2010 Standard Cheque books immediately.

We request all our customers who have issued postdated cheques for repayment of loan installments for loans availed by them to replace the old PDCs with new CTS 2010 Standard cheques.

Online Grievance Redressal System with Tracking

Online Applications for MSME and Retail Loans

Online Donations to charitable institutions through net banking

Online resetting of Internet Banking Login Password

Interbank transfer of Funds through Mobile Banking using IFSC code

As per RBI mandate, cash retraction facility is discontinued from our ATMs. Do not forget to collect cash before leaving ATM room.

Any customer of SB/Current Account group could walk in to any branch of the Bank to deposit money in his/her account maintained at any branch and there will be no charges on this for any amount.

Fictitious Offers of Cheap funds from abroad - Awareness Campaign - List of Nodal Agency (Cyber Crime Cell / Economic Offence Wing)

Complain to Local Police/Cyber Crime Authorities against Fictitious Offers of Money from Abroad

PPF and SCSS schemes

Do Not fall Prey to Fictitious Offers of Funds Transfer

  Awards & Rewards | Basel II Disclosures | Bulletin | DNCR | |Miscellaneous  | Holidays List | Photo Gallery | Press Release | Webcast Disclaimer
null 2010, Andhra Bank. All Rights Reserved.