PCARDB - Tea

Primary Cooperative Agriculture and Rural Development Bank - For Plantation (Tea)

5.9/10

The scheme provides loans for the purpose of plantation, specifically for tea cultivation.

State

States / UT: Tamil Nadu

Nodal department: Co-operation, Food and Consumer Protection Department

Scheme for: Individual

Scheme profile

DBT (direct benefit transfer): No

Target beneficiaries: Farmers

Tags: Agriculture, Tea, Loans, Farmers, Cooperation, Development, Plantation, State Sponsored, Financial Assistance, Interest Rates, Grants, Rural Development

Details

The scheme provides loans for the purpose of plantation, specifically for tea cultivation. It is managed by the Co-operation, Food and Consumer Protection Department and is sponsored by the state. The maximum loan amount available is Rs.33,000 per acre, with an interest rate that ranges from 11% to 12.5%. This scheme aims to support farmers engaged in tea plantation.

Purpose for which loan can be obtained : Plantation (Tea)
Maximum amount of loan : Rs.33,000 per acre
Rate of interest (Subject to change): 11% to 12.5%

Sponsored by: State
Funding pattern: Purpose for which loan can be obtained : Plantation (Tea)
Maximum amount of loan : Rs.33,000 per acre
Rate of interest (Subject to change): 11% to 12.5%
Scheme type: na

Benefits

  • Grants for tea plantation
  • Maximum loan of Rs.33,000 per acre
  • Competitive interest rates (11% to 12.5%)

Eligibility

Farmers engaged in tea plantation can apply for this scheme.

How useful is this scheme?

Public benefit analysis

A practical look at this scheme for citizens

AI-generated insights showing how useful, accessible, and practical this scheme may be — combining deterministic scoring rules with a public-policy LLM analyst.

5.9
/ 10
Public Benefit Score
Accessibility 5.0/10 Moderate
Rural usefulness 6.0/10 Moderate
Application complexity 5.0/10 Moderate
Financial impact 8.0/10 Good
Literacy barrier 2.0/10 Good
Women inclusivity 5.0/10 Moderate
Awareness 4.5/10 Moderate
Implementation reliability 7.0/10 Good
Bigger shape means a better fit for citizens
  • Accessibility5.0
  • Financial impact8.0
  • Rural utility6.0
  • Awareness4.5
  • Simplicity5.0
  • Inclusivity5.0

What problem does this scheme solve?

The scheme provides essential financial support for tea plantation, benefiting farmers in Tamil Nadu.

Key challenges addressed

  • Access to financial resources for tea cultivation

Most beneficial for

  • Farmers engaged in tea plantation

Likely challenges

  • Limited awareness among farmers
  • Dependency on offline processes

Practical insights for citizens

Practical for farmers but requires local support

Rural challenges

  • Limited access to information
  • Dependence on local officials

Digital challenges

  • Low digital literacy
  • Limited internet access

Implementation bottlenecks

  • Slow processing times
  • Potential bureaucratic delays

Awareness challenges

  • Low awareness among farmers about the scheme

Application analysis

Application mode
Offline office
Verification complexity
Moderate
Office dependency
High
DBT dependency
No
CSC support
Limited
Estimated citizen effort
Moderate

Estimated beneficiary reach

  • Rural / urban reach High
  • Gender reach Moderate
  • Occupation reach Farmers

Benefit analysis

Benefit type
Loans
Benefit frequency
One-time
Benefit practicality
High, if accessed
Financial meaningfulness
7
Long-term impact
Positive for sustainable farming

Plain-language guidance

Farmers in Tamil Nadu can apply for loans to support tea plantation. The scheme offers financial assistance to help with cultivation costs.

Who should apply
Farmers engaged in tea cultivation.
Who may struggle
First-time applicants and those with limited access to information.
Best application route
Apply through the local office of the Co-operation, Food and Consumer Protection Department.

This intelligence section is generated by an AI policy analyst combined with rule-based scoring. Scores and narrative are estimates derived from the publicly available scheme information shown on this page; actual experience may vary by state, district, and department. Always confirm details on the official portal before you apply.

Application Process

Offline

To avail the loan, farmers should contact the Secretary or Special Officer of the Co-operation, Food and Consumer Protection Department.

References

Tamil Nadu scheme page
https://www.tn.gov.in/scheme_details.php?id=MTIwMA==
Uploaded scheme document (PDF)
https://www.tn.gov.in/sites/default/new_images/tamilthaivazhthusong.pdf

Apply

Apply now

Opens the official application or programme portal in a new tab. If in doubt, confirm details on the ministry site.

Frequently asked questions

What is the purpose of Primary Cooperative Agriculture and Rural Development Bank - For Plantation (Tea)?
Primary Cooperative Agriculture and Rural Development Bank - For Plantation (Tea) is a government welfare initiative designed to support Individual, Farmers through benefits related to General, financial assistance, subsidies, social welfare, healthcare, education, or livelihood support.
Who can apply for Primary Cooperative Agriculture and Rural Development Bank - For Plantation (Tea)?
Eligibility for Primary Cooperative Agriculture and Rural Development Bank - For Plantation (Tea) may depend on factors such as income category, age, gender, occupation, state of residence, social category, and government-defined beneficiary criteria.
What benefits are offered under Primary Cooperative Agriculture and Rural Development Bank - For Plantation (Tea)?
Benefits under Primary Cooperative Agriculture and Rural Development Bank - For Plantation (Tea) may include financial assistance, subsidies, scholarships, insurance support, healthcare benefits, pension support, training assistance, or welfare services depending on the scheme guidelines.
Which department manages Primary Cooperative Agriculture and Rural Development Bank - For Plantation (Tea)?
Primary Cooperative Agriculture and Rural Development Bank - For Plantation (Tea) is managed by Co-operation, Food and Consumer Protection Department and may be implemented through district offices, online portals, CSC centres, banks, or authorised government agencies.
Can users apply online for Primary Cooperative Agriculture and Rural Development Bank - For Plantation (Tea)?
Yes, eligible applicants may be able to apply online for Primary Cooperative Agriculture and Rural Development Bank - For Plantation (Tea) through official government portals, authorised service centres, or digital application systems depending on the implementation process.
Is Aadhaar mandatory for Primary Cooperative Agriculture and Rural Development Bank - For Plantation (Tea)?
Many government schemes may require Aadhaar verification, identity proof, or linked bank account details for beneficiary validation and direct benefit transfer processing.
Where can users apply for Primary Cooperative Agriculture and Rural Development Bank - For Plantation (Tea)?
Applications for Primary Cooperative Agriculture and Rural Development Bank - For Plantation (Tea) may be submitted through government departments, official scheme portals, CSC centres, district offices, welfare departments, or authorised service centres.
What documents may be required for Primary Cooperative Agriculture and Rural Development Bank - For Plantation (Tea)?
Applicants may need Aadhaar card, income certificate, residence proof, bank account details, caste certificate, photographs, educational records, or occupation-related documents depending on scheme eligibility requirements.
Is income certificate required for Primary Cooperative Agriculture and Rural Development Bank - For Plantation (Tea)?
Income certificate requirements may vary depending on beneficiary category, subsidy eligibility, and financial assistance criteria defined under Primary Cooperative Agriculture and Rural Development Bank - For Plantation (Tea).
Is Primary Cooperative Agriculture and Rural Development Bank - For Plantation (Tea) available in all states?
No, Primary Cooperative Agriculture and Rural Development Bank - For Plantation (Tea) is primarily available for eligible residents of Tamil Nadu and may be implemented through state government departments and local administrative offices.
Can residents outside Tamil Nadu apply for Primary Cooperative Agriculture and Rural Development Bank - For Plantation (Tea)?
Eligibility for Primary Cooperative Agriculture and Rural Development Bank - For Plantation (Tea) is generally limited to residents of Tamil Nadu unless otherwise specified in the official scheme guidelines.
Can small and marginal farmers apply for Primary Cooperative Agriculture and Rural Development Bank - For Plantation (Tea)?
Eligible small and marginal farmers may apply for Primary Cooperative Agriculture and Rural Development Bank - For Plantation (Tea) subject to land ownership records, income eligibility, and agricultural beneficiary criteria.
Does Primary Cooperative Agriculture and Rural Development Bank - For Plantation (Tea) provide subsidy support for farmers?
Primary Cooperative Agriculture and Rural Development Bank - For Plantation (Tea) may provide agricultural subsidies, financial assistance, crop support, irrigation benefits, insurance coverage, or farming-related welfare assistance depending on the scheme structure.
Can CSC centres help users apply for Primary Cooperative Agriculture and Rural Development Bank - For Plantation (Tea)?
Many government schemes may be accessible through nearby CSC centres, authorised digital service centres, or welfare facilitation offices.
How can users check the latest updates for Primary Cooperative Agriculture and Rural Development Bank - For Plantation (Tea)?
Users should verify official notifications, department announcements, application deadlines, and eligibility updates through authorised government portals or implementing agencies.
Can beneficiaries track application status for Primary Cooperative Agriculture and Rural Development Bank - For Plantation (Tea)?
Certain schemes may provide online application tracking, beneficiary verification systems, or status-check facilities through official portals.
Where can users get help for Primary Cooperative Agriculture and Rural Development Bank - For Plantation (Tea) in Tamil Nadu?
Users in Tamil Nadu may seek assistance through CSC centres, district welfare offices, government departments, agriculture offices, social welfare departments, or authorised facilitation centres.
Which nearby public services may help with Primary Cooperative Agriculture and Rural Development Bank - For Plantation (Tea) applications?
Depending on the scheme, users may require support from Aadhaar centres, CSC centres, banks, hospitals, post offices, or government welfare offices for document verification and application assistance.