<h1>Interest subvention scheme lowers short term crop loan costs and incentivises prompt repayment for farmers.</h1> Priority sector lending requires banks to direct a prescribed share of advances to agriculture with a sub-target for small and marginal farmers; regulators have waived margin and security norms and eased documentation to widen institutional credit, promoted Joint Liability Groups, and prescribed relief measures for calamity affected areas. An interest subvention scheme lowers effective short term crop loan rates and supplements prompt repayment incentives, while the Kisan Credit Card and Flexi KCC provide simplified, ATM enabled working capital and consumption finance; post demonetisation administrative measures included grace periods, targeted interest waivers for cooperative bank borrowers and refinance to cooperatives for on lending.