Balaram Yojana Odisha 2025 – To provide easy and convenient loans to sharecroppers odisha govt launched, a scheme named ‘BALARAM’ was introduced on 2020 with the assistance of NABARD (National Bank for Agriculture and Rural Development). Under this scheme, the Odisha government’s Department of Agriculture and Farmers’ Empowerment will utilize the ATMA (Agricultural Technology Management Agency) framework to organize 5 lakh sharecroppers into 1 lakh Joint Liability Groups (JLGs) for financial support. Read this article for more details.
Aims and Objectives of Balaram Yojana Odisha
- To form Joint Liability Groups (JLGs) comprising farmers who cultivate land on lease or oral tenancy but do not have ownership rights over the operational agricultural land. This will enable them to easily access loans and financial assistance in a convenient manner. OR
- ଯେଉଁ ଚାଷୀମାନେ ଅନ୍ୟର ଚାଷ ଜମିରେ ଭଡ଼ା ସୂତ୍ରରେ ଭାଗଚାଷ କିମ୍ବା ମୌଖକ ଭାଗଚାଷ କରୁଛନ୍ତି ଏବଂ ସେମାନଙ୍କର କାର୍ଯ୍ୟକ୍ଷମ ଚାଷ ଜୋତ ଉପରେ ମାଲିକାନା ସତ୍ତ୍ବ ନାହିଁ ସେମାନଙ୍କୁ ନେଇ ମିଳିତ ଦେୟ ଗୋଷ୍ଠୀ ଗଠନ କରାଯାଇ ସେମାନଙ୍କୁ ସହଜ ଓ ସୁବିଧାରେ ଋଣ ଯୋଗାଇ ଦେବା।
Balaram Yojana Odisha Eligibility and Other Details
Q1: Who can apply for the Balaram Yojana?
A1: The BALARAM scheme is for landless, small, and marginal farmers who grow crops on rented land or land they do not own. These farmers can get bank loans through Joint Liability Groups (JLGs) to help with farming.
Q2: What types of farming can get loans under this scheme?
A2: The scheme provides loans for both regular farming and horticulture (fruit and vegetable farming). The loan is mainly for crops that grow and can be harvested within one year. However, long-term fruit farming is not included in the scheme.
Q3: Can a sharecropper with their own land get a loan under Balaram Yojana?
A3: No, the scheme only gives loans for land used for sharecropping (rented land). Farmers who own land must apply for a regular agricultural loan from a bank. Only the part of land used for sharecropping will be considered for a BALARAM loan.
Q4: What is the maximum loan amount under Balaram Yojana?
A4: According to Reserve Bank guidelines, each Joint Liability Group (JLG) can get a maximum loan of ₹2 lakh under the BALARAM scheme. The loan amount is generally based on the Scale of Finance (SOF) for different crops. However, for crops not included in SOF, the bank officials will decide the loan amount.
Q5: Can only JLGs get loans, or can individual members also apply?
A5: Under this scheme, loans can be given to both the entire JLG group and individual members as per the bank’s guidelines.
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Q6: What documents are required to join a JLG and apply for a loan?
A6: Farmers need to submit the following documents to join a Joint Liability Group (JLG) and apply for a loan under the Balaram Yojana
- Identity Form (Annexure 4)
- Loan Application and Cost Estimation Form (Annexure 5)
- Joint Liability Agreement (Annexure 6A)
- Declaration Form (Annexure 6B)
- General Power of Attorney Agreement (Annexure 6C)
- Copy of Aadhaar Card for each member
Q7: How can a farmer get a farming certificate?
A7: Farmers eligible for a loan must apply for a Certificate of Cultivation (CoC) by submitting the prescribed application form (Annexure-2) to their local Krushak Sathis (Farmer Facilitators).
Q8: What are the conditions to become a JLG (Joint Liability Group) member?
A8: To join a JLG, farmers must:
- Live in the same village/area and grow similar crops.
- Not have any past record of loan default from other financial institutions.
- Only one member per family can join a JLG.
- A farmer cannot be a member of more than one JLG.
Q9: Do farmers need to pay interest on the loan?
- No interest on loans up to ₹50,000 if repaid on time.
- Loans between ₹50,001 and ₹2 lakh will have a 3% interest rate.
Q10: What is the loan repayment period?
- For Kharif crops, loans must be repaid by March 31 of the next year.
- For Rabi crops, the repayment deadline is September 30 of the next year.
- However, farmers should try to repay as early as possible.
Q11: How many members can be in a Joint Liability Group (JLG) under the Balaram scheme?
A11: A Joint Liability Group (JLG) in the Balaram scheme must have a minimum of 4 members and a maximum of 10 members.
Balaram Yojana Odisha Apply Process
Balaram Yojana Application is Offline means you can’t apply Online. You need to visit Your Nearest Any Bank or Block/District Agriculture Office. Visit and Apply Offline.
Balaram Yojana Odisha Guidline PDF – Click Here
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