Rationale to form the Grain Bank :

• Food Deficit during the lean period i.e. 3 to 4 months in every year (July to October)
• Drought
• Exploitation by Sahukar & Gauntia

Goal :

• To ensure food security during lean period as well as to meet the emergency need of the community

Objectives :

• To form & strengthen Grain Banks in all operational villages
• To meet the food deficiency in the lean period

Strategy :

Member Composition:

• A Grain Bank may be formed taking minimum of 10 members
• Involving all Households of the community
• Priority will be provided to poor and needy

Saving:

• Individual saving may vary from 5 tambis to 10 tambis
• Saving quantity will be fixed by community relating to the saving capacity of poor
• Saving benefit will always added to groups & group will decide about the individual benefits

Loan:

• Loan can be disbursed at the time of need & the community will decide for that.
• Repayment will be made after harvesting. In case of drought/emergency group will decide what can be done
• No recurring loan will be entertained
• Priority will be given to non-loaners
• The Upland beneficiaries of the respective villages will return the support amount to the GB after the harvesting

Interest :

• The interest rate will be fixed at 25% per Year i.e. 5 tambi per 20 tambi grain

Matching Grant :

• It will be provided for minimum three years as against members deposit
• It may be extended observing the availability of fund

Records :

• Meeting book (Resolution)
• Saving record
• Loan disbursement record
• Grain bank member’s details
• Matching grant record (contribution register)
• Loss & Benefit record
• A single register for all above the record

Management :

• One member will be nominated from GS executive body to look after all the grain bank related matter with a selected member from grain bank
• The EC member will be called as “Sasyagar Parichalak” & the member from grain bank will be called “Sasyagar Upaparichalak”
• Rotation of management will be revolved in every two years

Storage :

• Proper storage of grain will be ensured with indigenous practices
• It will be in a common place

Meeting :

• It must be in every quarter i.e. 4 times in a year
• In case of necessity it can be more than 4 times

Utilisation :

• The stock can be used for any other emergency purposes of community/individual

Threat :

• Regular saving
• Proper management
• Loan repayment
• Drought
• Wild animals
• Capacity building