The main role of J&K SCARDB is not only to provide Loans to the farmers of the State but also its commitment towards Socio Economic Development of Farmer community of the State. Presently Bank is providing credit/ Loan for following Purposes:

A. Agricultural Activities


Farm Mechanization:

·         Tractor and its implements

·         Power Tiller

·         Threshers

·         Harvesters

·         Combines

·         Rural Godowns

·         Minor Irrigation


·         Raising of Orchards

·         Plantation and Nurseries

·         Fencing and Bonding of existing/ new orchards

·         Silk Shed

·         Cattle shed and Farm House


·         Cultivation of Flowers

·         Plantation of Medicinal and Aromatic Plants

B. Allied to Agricultural Activities

Animal Husbandry:

·         Dairy Development

·         Dairy Entrepreneur Development Scheme (Sponsored by GOI through NABARD)

·         Poultry Development

·         Hatcheries

·         Sheep /Goat

·         Capital Venture Fund Scheme for Poultry and Sheep (NABARD Sponsored)

·         Fishery

C: Non Agricultural Activities

Non Farm Sector:

·         Composite Mills

·         Oil Expellers

·         Rice and Flour Mills

·         Rice Sheller's

·         Load Carrier

·         Trucks

·         Tippers

·         Dozers

·         Earth Excavators

Newly Introduced  Scheme

General Stores

Chemist Shops

All type of Medical Clinics

Nurshing Homes

Marriage / Community hall

Heavy and Medium Passenger Vehicles


Subsidy on Solar Pumping


Rural Housing