Ah, the limit is based on your crop pattern and scale, anna. For my ten hectares, they consider the full cost of cultivation plus some emergency funds. As for the 4 percent interest, that's only after the government subsidy is applied to the normal bank rate. Truth is, with such a large holding, the actual limit never feels sufficient once diesel, labour, and new seed varieties are accounted for. I saw it myself last season when the limit for my banana crop wouldn't cover the drip irrigation repair.
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