IDBI Bank grants term loan to farmer Small, Marginal and Other Farmers /Agricultural and landless labourers for purchases of Bullock pair with Bullock cart. Bullock pair with cart is beneficial for various farm operations, transportation and marketing of farm produce etc. Loan amount is sanctioned on the basis of NABARD Unit cost. Repayment period is 4 to 5 year including 3 months gestation period. Repayment will be half yearly / yearly installments. Rate of interest is below BPLR for loan upto 2 lacs.