Sowing Seeds of Growth. Reaping Financial Success.

Agricultural loans are not just credit facilities - they are growth partners in your farming journey. We understand that agriculture has its unique rhythms, risks, and rewards. Our loan products are designed around crop cycles, seasonal patterns, and the specific needs of different farming activities. Whether you're a small farmer or a large agri-entrepreneur, we have solutions that grow with you."

Types of Agricultural Loans

Crop Production & Cultivation:

• Crop Loans (Short Term):

  • For seeds, fertilizers, pesticides, labor

  • Tenure: 6-18 months (crop cycle based)

  • Special: Interest subvention scheme benefits

• Kisan Credit Card (KCC):

  • Revolving credit limit

  • Features: ATM card, POS facility

  • Insurance: Personal accident coverage included

Farm Mechanization & Equipment:

• Tractor & Farm Equipment Loans:

  • Tractors, harvesters, tillers, sprayers

  • Tenure: 3-9 years

• Irrigation System Financing:

  • Drip, sprinkler, pivot irrigation

  • Tenure: 3-7 years

Animal Husbandry & Dairy:

• Dairy Farming Loans:

  • Milch animals, shed construction, equipment

  • Tenure: 3-7 years

  • Insurance: Animal insurance included

• Poultry Farming Loans:

  • Broiler/layer farming, hatchery setup

  • Tenure: 2-5 years

  • Support: Technical guidance available

• Fisheries & Aquaculture:

  • Pond construction, fingerlings, feed

  • Tenure: 3-5 years

    Eligibility Criteria

  • For Individual Farmers:

  • Age: 18-75 years

  • Land Ownership: Minimum 0.5 acres (varies by scheme)

  • Farming Experience: Minimum 1-2 cropping seasons

  • Residence: Should be resident of area where land located

  Documentation:

  • Land records (7/12, 8A extract)

  • Aadhaar card

  • PAN card

  • Bank account

  • Recent photograph

    For Tenant Farmers/Sharecroppers:

  • Alternative Documents:

  • Tenant certificate from revenue officer

  • Landowner affidavit

  • Crop cultivation proof

  • Joint Liability Groups: 5-10 farmers can apply together

    For Agri-Businesses:

  • Business Registration: FPO, cooperative, partnership

  • Business Vintage: Minimum 1-2 years

  • Financial Records: Basic book-keeping

  • Project Report: For larger loans

    Special Categories:

  • Women Farmers: Special schemes, lower margins

  • SC/ST Farmers: Priority sector benefits

  • Small/Marginal Farmers: Higher subsidies

  • Young Farmers (18-45 years): Startup support

Tags: department of agriculture mortgage, farm loans, farm credit financing, agricultural loan, farm service agency loans, agri, farm equipment financing loan