Loans
Agriculture Loan
Farm credit sourced to banks and NBFCs lending in the agriculture segment: crop loans for the season, term finance for equipment, and funding for allied activities such as dairy and poultry. Repayment is normally aligned to the harvest cycle rather than to a monthly calendar, which is what separates it from every other product here.
What you get
- Crop loans for seasonal input costs, including Kisan Credit Card facilities
- Term finance for tractors, implements and irrigation equipment
- Allied activity funding for dairy, poultry and fisheries
- Repayment aligned to the harvest cycle rather than a monthly schedule
- Land records and cultivation proof collected in the lender format
- Government interest subvention schemes applied where the borrower qualifies
FAQ
About agriculture loan
What documents hold these applications up most often?
Land records. Lenders need current ownership or cultivation records and a clear encumbrance position, and records that are jointly held, out of date at the revenue office, or inconsistent with the applicant name will stall a file no matter how sound the farming case is. Starting from the land documents rather than from the loan amount saves weeks.