Tractors: segment guide

Borrowers

Farmers with 2 to 15 acres, buying a first or replacement tractor. About a third earn extra by custom hiring: ploughing and hauling for neighbours at ₹800 to ₹1,200 an hour.

Repayment follows the crop

Instalments are half-yearly, after the kharif harvest (October to December) and the rabi harvest (March to May). A due date that misses the harvest window turns a good borrower into a delinquent one.

Regions

• Punjab, Haryana, western UP: irrigated, two reliable crops, larger tractors. Lowest delinquency.
• Madhya Pradesh, Rajasthan: mixed; soybean and mustard prices matter.
• Maharashtra (Marathwada and Vidarbha), Telangana, Karnataka: rain-fed areas, most exposed to a weak monsoon (KB-031).

Collections

Field staff should know the local harvest dates. A call a week after the harvest, when the crop has been sold, collects more than any call before it.