FPO Working Capital Cash Credit (CC), SFAC 1:1 Equity Grant & CGFPO Credit Guarantee Calculator

Why do registered Farmer Producer Organizations (FPOs) with a shed or collection door still stall during harvest? Because buying grain, makhana, or vegetables at the gate requires revolving Working Capital Cash Credit (CC) and paid-up equity, not just a fixed machinery term loan. Use this tool to size your SFAC 1:1 Matching Equity Grant, Nayak Committee 20% Bank CC Limit, and daily procurement float.

1. Enter FPO Membership & Turnover

Number of Paid-Up Farmer Shareholders Paid-Up Share Capital per Member (₹) Region Classification (SFAC Minimum Member Norm) Projected Annual Procurement Turnover (₹) Active Procurement Days per Year Buyer Payment Settlement Cycle (Days from Gate Purchase to Buyer Receipt) Average Farm-Gate Purchase Price per kg (₹/kg)

2. Bank Appraisal & Working Capital Output

Member Paid-Up Equity

₹7.00 L

Deposited in FPO Bank A/c (PAS-3 filed)

SFAC 1:1 Equity Grant

₹7.00 L

Capped at ₹2,000/member & ₹15L/FPO

Total Post-Grant Net Worth

₹14.00 L

Doubles FPO borrowing margin

Eligible Bank CC Limit (20%)

₹16.00 L

Nayak Committee 20% of Turnover

Required 5% Promoter CC Margin

₹4.00 L

Covered by FPO Equity

Max Daily Same-Day Payout Float

4,000 kg/day

₹1.60 Lakh/day across cycle

Detailed Working Capital, CGFPO Guarantee & Compliance Breakdown

Financial Parameter	Calculated Value	Bank / SFAC Rule (Chapters 3, 13 & 14)

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