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Credit Support

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VFPCK credit package is a collaborative effort to support commercial fruit and vegetable sector in Kerala. The package is implemented in association with 11 leading commercial banks such as:

  1. State Bank of India
  2. State Bank of Travancore
  3. Canara Bank
  4. Union Bank of India
  5. South Malabar Gramin Bank
  6. North Malabar Gramin Bank
  7. Indian Overseas Bank
  8. Bank of Baroda
  9. Indian Bank
  10. Dhanalakshmi Bank
  11. Vijaya Bank.


  • Salient feature of VFPCK credit package:
    • Farmers are involved in all stages from credit planning to repayment.
    • Provide credit availability also to lease land cultivators.
    • Quick disbursement of credit within10 days of application.
    • VFPCK staff assists in screening and monitoring genuineness.
    • Beneficial to all stakeholders.
    • Automatic credit linked insurance for crops.
    • Peer pressure and campaigns for better repayment.


  • Package implementation schedule:
    • SHG formation
    • Training on credit package
    • Participatory credit planning
    • Joint inspection
    • Credit appraisal, sanction and delivery
    • Repayment
    • Renewals

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