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per capita income = RS 51097/- per capita income = Rs 1Monthly = Rs 4260/- Monthly = Rs 1250/-

ESTIMATED INCLUSION

Tamil Nadu TripuraPopulation 20% 40% Population 10%Inclusion taking loan Inclusion

, 63,96,00 1,32,79,200 53,11,680 31,99,203 3,19,920

23. Agriculture (Term Loan / Cash Credit / KCC / Self Help Group (SHG) / NGO / M

a Limit up to Rs.50000/- BR+0.25%, i.e. 8.50%

b BR+1.75%, i.e. 10.00%

c BR+2.75%, i.e. 11.00%

d BR+3.75%, i.e. 12.00%

e BR+4.50%, i.e. 12.75%

f As per Credit Risk Rating

g 9.00%

24. For Agriculture advances having limits over Rs 25.00 lacs, applicable rate of

a UBICR 0 BR+2.00%, i.e. 10.25%

b UBICR 1 BR+2.75%, i.e. 11.00%

c UBICR 2 BR+3.50%, i.e. 11.75%

d UBICR 3 BR+4.50%, i.e. 12.75%

e UBICR 4 BR+5.00%, i.e. 13.25%

f UBICR 5 BR+6.00%, i.e. 14.25%

ADVANCE TO MICRO INDUSTRIES / ENTERPRISES

a Limit up to Rs 25000/- BR, 8.25%

b BR+0.50%, i.e. 8.75%

c BR+1.50%, i.e. 9.75%

d BR+2.50%, i.e. 10.75%

e BR+3.00%, i.e. 11.25%

f BR+3.00%, i.e. 11.25%

Limit > Rs 50000/- and upto Rs200000/-

Limit > Rs 200000/- and upto Rs 500000/-Limit > Rs 500000/- and upto Rs1000000/-Limit > Rs 1000000/- andup to Rs 25,00,000/-Limit > Rs 25,00,000/- andup to Rs 10.00 crore.Crop Loan upto Rs.3.00lakh

Limit > Rs 25000/- and upto Rs50000/-Limit > Rs 50000/- and upto Rs 2,00,000/-Limit > Rs 200,000/- andup to Rs500,000/-Limit > Rs 500,000/- andup to Rs 10,00,000/-Limit > Rs 10, 00,000 andup to Rs 25,00,000/-

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g As per Credit Risk Rating

20. ADVANCE TO Small Enterprises (including Retail Trade up to Rs.20 Lac)

a Limit up to Rs 25000/- BR+0.50%, i.e. 8.75%

b BR+1.00%, i.e. 9.25%

c BR+2.00%, i.e. 10.25%

d BR+3.00%, i.e. 11.25%

e BR+3.50%, i.e. 11.75%

f BR+3.50%, i.e. 11.75%

g As per Credit Risk Rating

21.For Micro Enterprises enjoying limit over Rs 25.00 lacs, applicable Rate of In

a UBICR 0 BR+1.00%, i.e. 9.25%

b UBICR 1 BR+2.00%, i.e. 10.25%

c UBICR 2 BR+3.25%, i.e. 11.50%

d UBICR 3 BR+4.25%, i.e. 12.50%

e UBICR 4 BR+4.75%, i.e. 13.00%

f UBICR 5 BR+6.00%, i.e. 14.25%

22. For Small Enterprises enjoying limit over Rs 25.00 lacs, applicable Rate of In

a UBICR 0 BR+1.50%, i.e. 9.75%

b UBICR 1 BR+2.50%, i.e. 10.75%

c UBICR 2 BR+3.75%, i.e. 12.00%

d UBICR 3 BR+4.75%, i.e. 13.00%

e UBICR 4 BR+5.25%, i.e. 13.50%

f UBICR 5 BR+6.00%, i.e. 14.25%

Financial inclusion denotes delivery of credit and other financial services at an affordable

What is relevant is that those who want credit should not be denied the same provided th

Limit > Rs 25,00,000/- uptoRs10.00 crores

Limit > Rs 25000/- and upto Rs50000/-Limit > Rs 50000/- and upto Rs 2,00,000/-Limit > Rs 200,000/- andup to Rs500,000/-Limit > Rs 500,000/- andup to Rs 10,00,000/-Limit > Rs 10,00,000/- andup to Rs 25,00,000/-Limit > Rs 25,00,000/- &upto Rs 10.00 crores

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,931/-

50%taking loan1,59,960

icro Credit / United Krishi Sahayak Yojona / United Swarna Krishi yojona / Unit

interest as per Credit Risk Rating is as follows:

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erest as per Credit Risk Rating :

terest as per Credit Risk Rating :

ost to the vast sections of the disadvantaged and low-income groups. The various fina

y are bankable. The criterion of being bankable should not be interpreted narrowly to

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ed Mahajan Mukti Yojana etc. )

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cial services include savings, credit, insurance and payments and remittance facilities. It

xclude the vast majority. The objective of financial inclusion is to extend the scope of acti

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ill be wrong to classify all those who are not borrowing from the organized financial syste

ities of the organized financial system to include within its ambit people with low incomes

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as excluded.

. Through graduated credit, attempts must be to lift the poor from one level to another so

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hat they come out of poverty. Financial inclusion may, therefore, be defined as a process

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f enabling access to timely and adequate credit and other financial services by vulnerable

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groups such as weaker sections and low-income groups at an affordable cost.