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    <title>Text of guidelines on Agricultural Debt Waiver and Debt Relief Scheme, 2008</title>
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    <description>The Debt Waiver and Debt Relief Scheme covers direct agricultural loans to marginal, small and other farmers by scheduled banks, regional rural banks, cooperative credit institutions and local area banks and comes into force immediately. Direct Agricultural Loans include Short Term Production Loans-repayable within eighteen months and including working capital for plantations and horticulture-and Investment Loans for capital investment and allied agricultural activities. Group loans qualify only where banks maintain disaggregated data. Definitions of cooperative credit institution and marginal farmer (up to one hectare) delimit eligibility.</description>
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