For existing/running JLG borrower with minimum 22 fortnights or 11 bi-fortnights Repayment Track Record (RTR) with USFB.

Must have income generating activities which are managed either by the applicant or the co-applicant that includes loans for agriculture Production/Commercial farming activities.

The Borrower must have Agricultural income throughout the year and or must have sufficient Income from other legal resources to service EMIs during lean season.

Loans shall be categorized as microfinance/non-microfinance based on the household Income criteria. Households having an annual Income of up to ₹3,00,000 shall be categorized as microfinance loan and above that as non-microfinance loan. However, for non-microfinance loans, maximum household income is capped at ₹5,00,000.

For microfinance, the household shall mean an individual family unit, i.e., husband, wife, and unmarried children.

For the non-microfinance cases household shall mean family members living under one roof and using one kitchen.

Residing in own house (belongs to the borrower’s spouse/father-in-law/mother-in-law/son/Father/Mother/Spouse Brother) in the village/ for at least 3 years.

Loan will be sanctioned for a business/income generating activity which has been in operation for more than 6 Months.