Agricultural Term Loans (ATL)
A majority of Agricultural loans operate within 18 months of repayment period which commonly known as Seasonal Agricultural Operations (SAO). Farmers seeking loans facilitating "long term loans" with repayment period of upto 15 years may give immense opportunities to invest in diversified fields like Dairy Farm, Farm Mechanisation, Minor Irrigation, Lift Irrigation, Horticulture, Land Developments, Sheep / Goat / Piggery / Poultry Farm, Inland fisheries, Sericulture, Rural Godowns, Farm Plantations / Forestry Plantations and other activities. Agricultural Term Loans (ATL) fulfil the whole requirement through various banking institutions under strict regulation of RBI / NABARD.
Answer: Normally an employee is entitled to get Salary certificate once in a year. In some organization, it will be given upto 4 in each quarter year gap. It depends the policy of the company / organization, nothing else. Many financial institutions accepts Salary slip instead of Salary Certificate as a supporting document for loan application. In such cases employee can apply for 12 loan applications! This does not mean that employee will get loans from all those institutions.