Eligible groups may be granted loan by a PACS or by a bank branch directly under this scheme on the following conditions:

i) Each member shall be given a Kishan Credit Card (KCC).

ii) The PACS/ bank shall decide the quantum of loan considering the scale of finance, the nature of crop to be cultivated, cultivable land and the capacity of the borrower subject to maximum limit.

iii) All the members will jointly execute a loan document where they will remain liable jointly and severally to repay the loan.

iv) In case of exit of old member/s and entry of new member/s a fresh agreement to be executed by the group and to be retained with the PACS/ bank.