I farm on leased land and the owner will not give papers. Banks say no land no loan. Is there really no option for tenant farmers?
Can a tenant or sharecropper farmer get a crop loan without owning the land?
RRamu Naik6 महीने पहले · 195 व्यू
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🌾Farmer.in Krishi Teamविशेषज्ञ ✓6 महीने पहले
Tenant and sharecropper farmers can access crop credit, though it is harder and depends on the route available in your state. One formal channel is a Joint Liability Group, where a small group of tenant or oral-lease farmers come together, take collective responsibility, and the bank lends to the group for crop cultivation without individual land mortgage. Some states have a recorded-tenancy or cultivation-certificate system, such as loan eligibility cards or licensed cultivator certificates, that lets a tenant prove they actually farm the land and borrow against that proof. Where the landlord cooperates, a written lease and a consent letter can help. The collateral-free crop loan ceiling set by RBI applies here too, so small amounts should not need security. Banks vary in how readily they use these routes, so ask your bank, your agriculture office or NABARD about JLGs and any tenant-farmer credit certificate scheme operating in your area.
KKallu5 महीने पहले
Main batai pe kheti karta hoon, akele loan nahi mila. Phir hum paanch log JLG bana kar bank gaye, group ko loan mil gaya. Akele se group me kaam aasan hota hai.
KKallu Naik5 महीने पहले
Main batai pe kheti karta hoon, akele loan nahi mila. Phir hum paanch log JLG bana kar bank gaye aur group ko loan mil gaya. Akele se group me kaam aasan hota hai, ek dusre ki zimmedari leni padti hai.
MMallesh Naik5 महीने पहले
In my state there is a cultivation certificate for tenant farmers that let me prove I actually farm the land, and the bank lent against that. Ask your agriculture office whether such a certificate or loan eligibility card exists in your area. The JLG route is the other option.
YYellappa Naik5 महीने पहले
JLG banate waqt apne group me bharosemand log hi lo, kyunki ek member ne nahi bhara to poore group par asar padta hai. Hamare group me ek aadmi ne kista roki to sabki agli limit atak gayi. Ek dusre ki zimmedari sach me leni padti hai, isliye milte julte aur imaandaar kisaanon ke saath group banao.
SShankarappa Gowda5 महीने पहले
One thing that helped me as an oral lease tenant was getting a simple written agreement and a consent letter from the landowner, even though it was not registered. The bank was far more comfortable once there was something on paper showing I cultivate that land with the owner's knowledge. If your landlord refuses any paper at all, the JLG route is usually the realistic option. Ask your agriculture office which tenant credit schemes actually run in your area.