Bana Kaih — Mizoram Handholding Scheme
A guaranteed support price for the four crops Mizoram actually grows, plus collateral-free and interest-free bank loans of up to ₹50 lakh.
Run by: Government of Mizoram
- MSP crops
- Ginger, broom, turmeric, chilli
- Paddy pilot
- ₹30 / kg (Kolasib, Mamit)
- Loans
- Up to ₹50 lakh, collateral-free
- Interest rebate
- Up to 100% on timely repayment
Overview
Mizoram’s farm problem is not yield, it is price: ginger and chilli grow well in the hills, but a grower with no storage and no buyer takes whatever the trader offers on the day. Bana Kaih — the state’s flagship Handholding Scheme, launched in September 2024 — attacks both the price and the capital side at once.
On price, the state has declared an MSP for four crops: ginger, broom, turmeric and Mizo bird’s eye chilli. If a farmer cannot get the declared rate in the market, the state makes up the difference to that rate. Paddy from Kolasib and Mamit districts is being procured at ₹30 a kg in a pilot. On capital, the scheme offers collateral-free and interest-free bank loans up to ₹50 lakh, with an interest rebate of up to 100% on timely repayment. It replaced the earlier SEDP, which had in turn replaced the NLUP.
What you get
The benefit as the state notifies it — nothing here is an estimate.
- A declared support price for ginger, broom, turmeric and Mizo bird’s eye chilli — the state pays the gap if the market falls short.
- Paddy procured at ₹30 a kg in the Kolasib and Mamit pilot districts.
- Collateral-free bank loans up to ₹50 lakh, which removes the usual barrier for a farmer with community-held land.
- Interest rebate of up to 100% on timely repayment, making the credit effectively interest-free.
Who is eligible
State schemes usually state their criteria as prose rather than a checklist. This is that prose, unpacked — the department’s verification is what decides.
You qualify if
- Resident farmer or entrepreneur in Mizoram
- Growing one of the covered crops for the support price
- A viable activity for the credit component
- Bank account for the support payment or loan
Not covered
- Crops outside the four notified for MSP (and paddy in the pilot districts)
- Loans where the borrower does not meet the bank’s appraisal
Documents you need
Have these ready before you start — most rejections are a missing paper, not a missing right.
- Aadhaar card
- Mizoram residence proof
- Land or activity details for the crop
- Bank passbook
- Sale records for the produce
How to apply
Fewer steps than a central scheme, and usually one office rather than a portal.
- 1
Register under the scheme
Enrol through the Agriculture Department / the scheme’s district structures for the crop you grow or the enterprise you plan.
- 2
Sell at or above the declared rate
If the market gives you less than the declared support price, the state pays the difference up to that rate.
- 3
Or take the credit component
Apply for the collateral-free loan; repay on time and the interest rebate can cover up to 100% of the interest.
Frequently asked questions
Which crops get a support price?
Ginger, broom, turmeric and Mizo bird’s eye chilli. Paddy is also being procured at ₹30 a kg in a pilot covering Kolasib and Mamit districts.
Do I need collateral for the loan?
No. The scheme offers collateral-free loans of up to ₹50 lakh, and timely repayment earns an interest rebate of up to 100%.
What happened to NLUP and SEDP?
NLUP ended in 2018 and was replaced by SEDP, which has in turn been succeeded by Bana Kaih as the state’s flagship since September 2024.
Facts checked against dipr.mizoram.gov.in on 24 July 2026. editorial policy.