Eligibility for Annasaheb Patil loan scheme

Here are the eligibility criteria for applying to the Annasaheb Patil Loan Scheme in Maharashtra:

✅ Basic Eligibility Criteria (for all schemes)
Criteria Details
Residence Must be a permanent resident of Maharashtra
Age

Men: 18 to 50 years

Women: 18 to 55 years |
| Caste / Community | Preference to applicants from Maratha community or economically weaker sections; Caste certificate required for certain schemes |
| Income | Must belong to the Non-Creamy Layer (typically, annual family income ≤ ₹8 lakh) |
| Unemployment Status | Should be unemployed or self-employed |
| Loan History | Must not have taken a loan earlier under this scheme |
| Credit Score | No major defaults with any bank; a clean credit history is preferred |
| Bank Account | Must have an Aadhaar-linked bank account |
| Documents | Must submit valid ID, address proof, income/caste certificate, loan sanction letter, project report, and any other required docs |

🧾 Scheme-Specific Eligibility
1. IR-I: Individual Loan (Interest Reimbursement)
Loan up to ₹10 lakh

Must have a sanction letter from the bank

Only one person per family can apply

Must regularly upload EMI details for interest reimbursement

2. IR-II: Group Loan (Interest Reimbursement)
Group must be a registered entity (Co-op society, LLP, FPO, etc.)

Group size: Typically 5–20 members

Interest subsidy limited to ₹15 lakh per group

3. GL-I: Group Project Loan (Interest-Free)
For Farmer Producer Organizations (FPOs) and similar groups

Group must provide a project report

Loan up to ₹10 lakh per group, interest-free

4. Tractor Loan Scheme
Must be a farmer

Must provide landholding documents

Loan for tractor purchase only; Mahamandal pays interest to the bank

❗ Not Eligible If:
You or your family member have already availed the scheme

You belong to the creamy layer or have high income

You have an active loan default

You cannot furnish required documents

📌 Notes:
Priority is often given to youth, women, disabled, and SC/ST/OBC applicants (as per regional quotas)

Final approval depends on the bank’s loan assessment and submission of Letter of Intent (LOI) from the Mahamandal