Non-farm sector loans are the financial aid offered by this bank for the purposes other than agricultural activities and farming. Following are the various loan scheme available under this category.

a)Enterprise loan scheme (ELS)

This enterprise loan scheme guarantees Rs. 1 crore for all manufacturing, processing, marketing, and service activities that are income-generating or employment-generating. 2 to 10 years is the repayment period. It has a grace period of up to 18 months. The loan eligibility is defined by 100% of land value plus hypothecation of assets created out of the loan.

b)The Small Water and Road Transport Operators Scheme

This scheme includes financial aid of Rs.50.0 lakhs for public transport vehicles except two-wheelers, including refrigerated vans, bulk carriers for edible oil, petroleum etc. The repayment period is 2 to 5 years. There is a grace period of up to 6 months. The borrower's margin is 15% for new vehicles. For new vehicles, eligibility of 100% of land value plus hypothecation of vehicle is required as the security to get the loan.

c)Second hand vehicles (except two-wheelers) (NABARD)

This is a loan scheme that offers a loan of Rs 5.0 lakhs for second-hand vehicles except two-wheelers. It grants loans for public transport vehicles except two-wheelers, including refrigerated vans, bulk carriers for edible oil, petroleum, etc. The repayment has to be made within 4 years. But for public transport vehicles with valid route permits, up to 5 yrs. There is a borrowers' margin fixed at 25%. A security of 50% of land value  plus hypothecation of a vehicle is needed as a security to get the loan.

d)Swarozgar Credit Card Scheme (SSC Scheme)

The bank will grant a Rs. 100,000 loan under this category. Similarly to the ELS scheme, it is granted for all manufacturing, processing, marketing, and service activities that are income-generating or employment-generating. The repayment has to be made within 5 years for the block and 1 year for working capital. It needs a land value of 100% as the evaluation norm in order to get this loan sanctioned, but the total of all loans should not exceed 100% of the land value.

e)Education loans

A loan to support education by which students will be able to get Rs. 10.0 lakhs inside India and Rs. 20.0 lakhs for overseas studies. The loan will be granted against all approved courses. The repayment period is up to 10 years. There is a grace period applicable for up to one year after study completion. It consists of 15% as the borrowers' margin. It demands two-thirds of the total land value (66.66%) as an eligibility criterion for this loan amount.