Dairy loan for Purchase of One Cow

Beneficiary Provide Dairy loan for the purchase of One Cow to members of Cooperative Milk producers Societies.
Purpose  To increase the income of Milk producers by helping them to purchase high yielding milch cattles.
Loan Limit The bank shall Provide loan for one cow with ceiling of Rs. 50000- Or cost of the animal which ever is less.
Rate of Intt 10.25%
Margin The applicant shall contribute 10% of the total cost of animal as margin money. However margin money for scheduled caste , Backward Class and economically back wards members shall be 5%.
Repayment Period Maximum 5 years .
Collateral Security  Gurantee by two persons who should be nomial members of the bank. One of the the guarantors should be the owner of at least one acre of agriculture land and another guarantors should be a responsible person from local area to the satisfaction of the Branch Manager of the concerned CCB.   
Procedure After the execution of documents the Branch Manager shall disburse  the loan amount by crediting the SB account of the borrower.  
Insurance The live stock financed under the scheme shall be fully insured and it should be clearly mentioned in the insurance policy that the live stock is hypotheciated with the financing bank.  
Area of Operation Loan shall be advanced in the area operation in the Jalandhar district.

A wonderful serenity has taken possession of my entire soul, like these sweet mornings of spring which I enjoy with my whole heart. I am alone, and feel the charm of existence in this spot, which was created for the bliss of souls like mine.

I am so happy, my dear friend, so absorbed in the exquisite sense of mere tranquil existence, that I neglect my talents. I should be incapable of drawing a single stroke at the present moment; and yet I feel that I never was a greater artist than now.

When, while the lovely valley teems with vapour around me, and the meridian sun strikes the upper surface of the impenetrable foliage of my trees, and but a few stray gleams steal into the inner sanctuary, I throw myself down among the tall grass by the trickling stream; and, as I lie close to the earth, a thousand unknown plants are noticed by me: when I hear the buzz of the little world among the stalks, and grow familiar with the countless indescribable forms of the insects and flies, then I feel the presence of the Almighty, who formed us in his own image.

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