Land Development Scheme Bank gives credit solutions for land development programmes in the form of direct finance to cultivators aimed at better productivity. Loans under this head cover various activities like land clearance (removal bushes, trees, etc.), land leveling and shaping, contour/graded bunding, bench terracing for hilly areas, contour stone walls, staggered contour trenches, disposal drains, reclamation of saline/alkaline soils and fencing. Margin i)   Upto Rs.10,000/- No margin. ii)   Above Rs.10,000/- 15% to 25% Collateral Amount of Loan Security to be furnished (i)   where movable assets are created(a) Upto Rs.25,000/-(b) Above Rs.25,000/- (a) Hypothecation of assets (b) Mortgage of land (or) third party guarantee. (i)   Where movable assets are not created (eg. Dugwells,development of land etc. (a) Upto Rs.10,000/-. (b) Above Rs.10,000/- DPN /Loan agreement.Mortgage of land.(a)Hypothecation of Asset(b)Mortgage of land or third party gurantee.