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Get Agriculture Loan

Agricultural loans are availed by a farmer to fund seasonal agricultural operations or related activities like animal farming, pisci-culture or purchase of land or agricultural tools. Seasonal agricultural operations include routine activities like preparing and ploughing land for sowing, weeding, and transplantation where necessary, buying inputs such as fertilizers, seeds, insecticides etc. and engaging labour for cultivating and harvesting the crops.
In addition purchasing of land, or purchasing of agricultural tools, storage of produce and transport also are included under purview of agricultural loans.

The agricultural policy of the Government of India also envisages substantial credit flow to increase agricultural production and productivity. Banks provide agricultural term loans to farmers for investment purposes and short term loans for production purposes. There is a need to finance farmers for purchasing land not only to expand their activities but also to make existing small and marginal units economically viable, diversify their present activities and to bring fallow lands and waste lands under cultivation.

In India, agriculture has been marked as priority sector because farmers constitute a large part of the population. As such agriculture sector qualifies for priority sector lending at lower interest rates by banks. In India, most of the commercial banks, co-op societies and rural banks provide agricultural loans to farmers.

Types of Agriculture Loan:
  • Retail Agri Loan - Kisan Credit Card / Kisan Card:Kisan Credit Card (KCC) is a specially designed credit card for farmers. This card gives you the facility of a hassle free and convenient credit to meet your day to day farming requirements.
  • Long term Loan for agriculture & allied activities (Agri Term Loan):You can get term loans to buy cattle or agriculture equipment as a part of the Agricultural Term Loan (Agri TL) scheme from ICICI Bank. Repay these loans over a period of 3-4 years in monthly/Half yearly/ Yearly instalments as per your convenience.

Loan Simple Process

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Simple procedure

Less Document

No Security or Guarantors

  • Simplified Documentation
  • Quick Processing
  • Competitive Interest Rate Charged
  • Loan Repayment Tenure Options
  • No Hidden Charges
  • Individual farmers/Joint borrowers who are existing Kisan Credit Card holders of the bank.
  • The individuals will have to own the necessary assets, which will need to be hypothecated to the bank once the loan is borrowed.
  • Loans can be applied on an individual basis or joint basis, based on the lender’s terms and conditions.
  • The applicant will have to be between the ages of 18 years and 70 years.