Agriculture finance

Overdraft for working capital and term loan for dairy activity.

The current Farmer Funding Product Guide states no collateral requirements for Dairy Power.

Up to 39 months, as stated in the Farmer Funding catalogue.

₹25,001 to ₹10 lakh.

₹25,001 to ₹1.5 crore.

Up to 5 years, as stated in the Farmer Funding catalogue card.

₹25,001 to ₹2.5 crore.

Overdraft against an Axis Bank fixed/term deposit for household consumption and other non-farming, non-business needs.

Any major individual. The current guide states farmer age 18–75 and a co-borrower for applicants above 60.

Overdraft for individual consumption requirements.

Minimum land holding 5 acres and minimum ITR income ₹7 lakh. Age wording conflicts within the same rule: borrower must be 18–60, while the page also says a co-borrower is needed if age is above 60.

₹1,00,001 to ₹5 crore.

Overdraft for meeting an individual's consumption requirement.

Minimum ₹1,00,001. The current product page and guide do not state a maximum amount.

Non-agricultural property is mandatory.

Term loan for eligible farmer contributions toward standalone solar agricultural pumps, solarisation of grid-connected pumps and solar power plants on barren/fallow or elevated agricultural land.

₹25,001 to ₹2.5 crore, as stated in the current Farmer Funding catalogue and product guide.

Primary security: hypothecation of assets created from bank finance. Collateral security: agricultural collateral as per KCC guidelines.

Up to 7 years, including moratorium, according to the current Farmer Funding catalogue.

₹2 lakh to ₹5 crore.

Up to 3 years, as stated in the Farmer Funding catalogue card.

10 years including 2-year principal moratorium

Up to ₹2 lakh: demand promissory note and hypothecation of crops grown or assets created from Bank finance. Above ₹2 lakh: those requirements plus equitable/registered mortgage of land or a third-party guarantee.

Production credit is a revolving agricultural cash-credit account subject to annual review and valid for 5 years. Investment credit is a demand or term loan repaid quarterly, half-yearly or annually based on the farmer’s income generation.

Cash Credit — Crop Loan

Minimum ₹5 lakh and maximum ₹10 crore. The working-capital calculation considers 150%, 200% or 250% of the applicable DLTC/SLTC scale of finance multiplied by cultivated area, plus 30% of the limit for miscellaneous post-harvest costs, farm-asset repairs and maintenance, and insurance.

Primary security: hypothecation of crops grown and assets created from bank finance. Collateral: mortgage of agricultural land. If the land value is below the Bank's required value, the shortfall may be met with a mortgage of SARFAESI-compliant property equal to 100% of the limit or the shortfall, or other listed securities at 100% of value—LIC policy surrender value assigned to the Bank, pledged KVP/NSC, or Bank term deposit. Working-capital margin is nil.

Repayment is set to the expected crop harvesting and marketing period: due within 12 months from disbursement for short-term crops and within 18 months for long-term crops.

Individual farmers or joint borrowers who have held a Bank of Baroda Kisan Baroda Kisan Credit Card (BKCC) for at least 2 years and have a satisfactory repayment record on all advance accounts.

Up to 50% of the existing BKCC limit, capped at ₹1 lakh.

Existing security under the BKCC is extended. If the combined limit remains within ₹1.60 lakh, the existing no-collateral-security norm up to ₹1.60 lakh applies.

Waived when the aggregate BKCC plus Tatkal loan limit is up to ₹3 lakh. Above ₹3 lakh: 1% of the sanctioned limit, capped at ₹100 lakh (₹1 crore).

36 months.

New or existing food and agro-based processing units, including takeovers from other banks. Eligible constitutions include individuals, proprietorships, partnerships, private/public companies and LLPs.

The page publishes various concessions on charges, including processing and documentation charges, but no fixed rupee amount or percentage.

Working-capital facilities: 12 months. Term loans: up to 144 months case by case, subject to annual review.

Short-term credit for conversion, organic inputs, certification and recurring cultivation costs, with cash-credit access and a RuPay debit card.

Loans up to ₹3 lakh are charged at 7% p.a. subject to government interest subvention, with an additional 3% Prompt Repayment Incentive for timely repayment under KCC guidelines. Loan limits above ₹3 lakh receive a 0.50% interest concession.

Up to ₹2 lakh: DP note and hypothecation of crops/assets financed by the bank. Above ₹2 lakh: the same plus equitable or registered mortgage of land or a third-party guarantee. Organic certificates must be produced within the stipulated time to retain the concessional rate, and funds must be used only for organic-compliant inputs and activities.

Aggregate loans up to ₹3 lakh: nil. Above ₹3 lakh to ₹10 lakh: ₹250 per lakh or part thereof plus GST. Above ₹10 lakh: ₹350 per lakh or part thereof plus GST.

Term-loan or working-capital finance for new scientific storage capacity: godowns, dry warehouses, cold storage, cold chains, silos and market yards.

Individuals, groups of farmers/growers, registered Farmer Producer Organisations, proprietorship and partnership firms, companies and corporations, non-governmental organisations and self-help groups, autonomous government bodies, cooperatives and cooperative marketing federations, and state departments/agencies or state-owned/autonomous corporations including Agricultural Produce Market Committees, marketing boards, state warehousing corporations and state civil-supplies corporations.

For godowns designed to store agricultural produce/products, the rate is MCLR + Strategic Premium plus 0.45%–2.25%, depending on internal credit rating and collateral-security coverage. The D.3/D.9 matrix is specifically for this agricultural-godown category, not every storage project in the broader scheme.

25% of project cost.

Nil up to an aggregate loan limit of ₹3 lakh.

Farmers, SHGs, JLGs, farmer proprietorships, corporate farmers, FPOs/companies of individual farmers, partnerships and farmer cooperatives directly engaged in agriculture/allied activities can borrow up to ₹75 lakh against pledged or hypothecated produce for up to 12 months. Food and agro-processing units may have aggregate banking-system limits up to ₹100 crore. Eligible receipts include government warehouse receipts, WDRA E-NWRs from NERL/CCRL, empanelled collateral-manager receipts and approved private warehouse/cold-storage receipts.

Farmers: up to ₹75 lakh against pledged/hypothecated agricultural produce, including warehouse receipts, for up to 12 months. Food & Agro Processing Units: aggregate sanctioned limit up to ₹100 crore across the entire banking system, including the proposed warehouse-receipt limit.

Minimum 30%.

Up to ₹50 lakh: ₹1,000. Above ₹50 lakh to ₹10 crore: ₹25 per lakh, capped at ₹20,000. Above ₹10 crore: ₹20 per lakh, capped at ₹50,000.

Maximum 12 months.

Cultivation, seeds, fertilisers, pesticides, labour charges, irrigation cess and post-harvest activities.

Farmers, agricultural enterprises and eligible rural borrowers

The official page does not publish a numeric maximum or minimum loan amount. Its MITC instead gives rate bands for limits up to ₹3 lakh, above ₹3 lakh and below ₹25 lakh, and ₹25 lakh and above.

Up to ₹1.60 lakh: DP note and hypothecation of crops/assets financed. Above ₹1.60 lakh: the same plus equitable or registered mortgage of land or a third-party guarantee.

Published purpose-specific ceilings are up to ₹40 lakh for dealers/distributors of cattle or poultry feed and up to ₹30 lakh for sprinklers, drip irrigation and agricultural machinery. The page gives no overall scheme limit.

12 months.

On-lending to farmers.

Primary Agricultural Credit Societies (PACS), Farmers’ Service Societies (FSS), and Large-sized Adivasi Multi-Purpose Societies (LAMPS).

Finance for agencies providing services to farmers, including tractors, bulldozers, aerial-spraying aircraft/helicopters, drilling rigs, lift-irrigation equipment, harvesters, threshers, cold stores, warehouses, transport trucks/trailers, excavators, milk/poultry tankers, bullock carts, curing barns, canning/processing and grading facilities.

Individuals, entrepreneurs, organisations, institutions, corporations such as agro-industries corporations, market yards or authorised market-yard licensees, warehouses, panchayats and agro-service centres with viable farmer-service schemes.

15%.

Finance to establish agriclinics and agribusiness centres that provide agricultural extension and related services to farmers, on a paid or free basis according to the entrepreneur's business model and local affordability.

5 to 10 years depending on activity, with a maximum moratorium of 2 years.

Long-term finance for farm buildings and farmhouse cum dwelling units. The page lists bullock and implement sheds, tractor, truck shed, farm store, godowns, silos, Dutch barn, animal water trough, threshing yard, gur-making shed and fencing. Expenses for a farmhouse cum dwelling unit may be reimbursed.

Individuals cultivating crops as land owners, permanent tenants or reasonably long-term leaseholders with productive use for the construction. Farmhouse/dwelling applicants must own the land and have sufficient income for instalments.

No cap on loan amount.

Farmhouse/dwelling unit: up to 15 years. Other farm structures: up to 7–10 years depending on the project.

Capital expenditure and working capital for dairy, piggery, poultry, fishery, sericulture up to cocoon stage, sheep, goat and camel rearing, including sheds, animals, chicks, equipment, vehicles, feed, labour and marketing.

All persons, including small and marginal farmers and agricultural labourers engaged in agriculture and allied activities.

Need-based: funding depends on the overall capital expenditure, working capital and the customer's margin contribution. No universal minimum or maximum loan amount is published.

New four-wheeler purchase for farm pre- and post-harvest activities, transporting the farmer's own produce and personal use.

Up to ₹30 lakh for a new vehicle.

Composite hypothecation agreement for agricultural advances.

Processing charge is ₹1,500 + GST for loans up to ₹10 lakh (₹10,00,000), and ₹2,000 + GST above ₹10 lakh. Inspection charges are nil for aggregate loan limits up to ₹3 lakh (₹3,00,000).

Repayment is over 7 years. Instalments may be monthly, quarterly, half-yearly or yearly, based on the cropping pattern or income generation.

Term-loan finance for establishing biogas plants fed with locally available biomass.

For limits up to ₹3 lakh: one-year MCLR + SP. Above ₹3 lakh and below ₹25 lakh: one-year MCLR + SP + 1.25%. At ₹25 lakh and above: one-year MCLR + SP + 2.10% for a term of 3 to 5 years, or +2.15% for above 5 years up to 7 years.

Processing is nil for aggregate agriculture exposure up to ₹3 lakh. Above ₹3 lakh, it is 1% of the sanctioned limit capped at ₹100 lakh. Inspection is nil up to ₹3 lakh, ₹250 above ₹3 lakh to ₹10 lakh, ₹1,000 above ₹10 lakh to ₹1 crore, and ₹5,000 above ₹1 crore.

Term-loan repayment must not exceed 7 years for plants sized 2–4 cubic metres and must not exceed 5 years for plants sized 6 cubic metres and above. The page does not publish a numeric moratorium.

Finance for irrigation structures. The bank specifically requires tubewell feasibility evidence from the appropriate authority, river-lift permission where that method is used, and groundwater suitability/demarcation for well digging or deepening.

Maximum 9 years, depending on the investment purpose and the asset’s economic life.

Term-loan finance for greenhouses, polyhouses, shade-net houses, plastic and walk-in tunnels, anti-bird/anti-hail nets, plastic mulching, hydroponics, aquaponics, aeroponics and related components/equipment.

Individual farmers, SHGs, JLGs, farmer proprietorships, landless labourers, tenant farmers, oral lessees, sharecroppers, corporate farmers, FPO/FPC companies, partnerships and farmer cooperatives engaged in agriculture or allied activities.

Processing and inspection charges are nil for aggregate loans up to ₹3 lakh (₹3,00,000). Above ₹3 lakh, processing is 1% of the sanctioned limit, capped at ₹100 lakh (₹1,00,00,000). Inspection is ₹250 above ₹3 lakh to ₹10 lakh, ₹1,000 above ₹10 lakh to ₹1 crore and ₹5,000 above ₹1 crore. Prepayment charges are nil.

3 to 9 years with a 3–12 month moratorium, based on purpose, asset life and project cash flow.

Term-loan finance for farmers installing solar-energy home-lighting systems in rural and semi-urban areas, especially existing BKCC holders without reliable domestic electricity.

Up to ₹50,000.

One-year MCLR + Strategic Premium.

Within 5 years.

Purchase of new tractors, tractor-drawn implements, power tillers and other agricultural machines.

At least 4 acres of irrigated land, or the corresponding acreage under the applicable state land-ceiling category. For holdings below 6 irrigated acres, only tractors up to 35 HP are eligible.

Minimum 25%.

Linked to landholding, up to 9 years. Repayment may be quarterly, half-yearly or yearly depending on the farmer's income pattern.

Finance for upgrading existing micro food-processing enterprises, with support for individual units, FPOs, SHGs and cooperatives, plus branding, marketing, common processing/lab/storage/packaging facilities and technical support.

Working-capital fund-based: ₹250 per lakh or part above ₹3 lakh to ₹10 lakh, and ₹350 per lakh or part above ₹10 lakh, plus GST. Non-fund-based charges are 50% of fund-based charges. Fresh term loan above ₹3 lakh: 1% of sanctioned limit plus GST. Term-loan review above ₹3 lakh: ₹60 per lakh or part, plus GST.

Working capital is 12 months. Term loan is up to 84 months including a 12-month moratorium, subject to annual review.

Loans for emergency needs, livelihood development, high-cost debt swapping, asset acquisition and income-generating agricultural, allied and non-agricultural activities, based on the group's credit plan.

The SHG must have been active for at least 6 months, practise the Panchasutras (regular meetings, savings, inter-loaning, repayment and up-to-date books) and meet NABARD grading norms. Revived defunct groups qualify after at least 3 months of renewed activity.

Cash credit/overdraft: 12 months with annual review. Demand/term loans: 24–84 months or the applicable scheme/project period.

Income-generating agriculture and allied activities.

Individual true owner of pledged gold with a Bank of Baroda savings account opened before lending.

One-year MCLR.

Up to ₹3,00,000: nil. Above ₹3,00,000: 0.25% of the limit, capped at ₹3,500 plus GST.

Up to 12 months.

The page does not publish a universal minimum or maximum loan amount. It instead states that capital and maintenance costs are financed, with margin and pricing determined by facility type and limit bands.

Up to ₹3 lakh: one-year MCLR + SP. Above ₹3 lakh and below ₹25 lakh: one-year MCLR + SP +1.25%. ₹25 lakh and above: +2.00% for under-three-year CC/OD/DL, +2.10% for 3–5 years and +2.15% above 5–7 years.

Processing is waived for aggregate agriculture exposure up to ₹3 lakh. Above ₹3 lakh, the term/demand loan processing charge is 1% of the sanctioned limit, capped at ₹100 lakh.

Cash-credit or term-loan finance for groups of 4–10 individuals from the same village, area or neighbourhood who undertake agriculture/allied activities and accept mutual liability.

Maximum ₹1 lakh per individual and ₹10 lakh per JLG.

Up to ₹3 lakh: one-year MCLR + Strategic Premium. Above ₹3 lakh: one-year MCLR + Strategic Premium + 1.00% p.a.

Nil when exposure per member is up to ₹25,000.

Term-loan finance for a solar photovoltaic water-pumping system comprising PV array, motor pump set, interconnect cables and electronics.

Individuals, groups of individuals, SHGs, JLGs, NGOs, farmer clubs and farmer producer organisations.

The page does not publish a universal minimum or maximum loan amount. It finances the solar photovoltaic pump project and uses ₹3 lakh, ₹25 lakh and tenor bands for pricing and charges, not as an overall facility ceiling.

Minimum 20% of total project outlay.

Maximum 10 years.

Demand loan, term loan or overdraft against the bank's fixed/short deposit receipt.

Individuals who self-declare or provide proof that they are engaged in agriculture, or that the LABOD/ODBOD proceeds will be used for agriculture.

10% against duly discharged fixed/short deposit receipts of all tenors.

Nil.

New, existing or takeover food and agro-based processing units operated by individuals, proprietorships, partnerships, private/public limited companies or LLPs. If trading is also undertaken, trading sales must not exceed 49% of total annual sales and the working-capital limit must be under sole banking arrangement.

BRLLR plus spread by internal credit rating: CR-1 +0.65%, CR-2/CR-3 +0.70%, CR-4/CR-5 +0.90%, and CR-6 or below +1.15%.

₹175 per lakh, representing a 50% concession in processing and documentation charges.

12 months.

The annual limit follows the scale of finance approved by the DLTC. If that scale is insufficient for a modern package with higher input costs, up to 25% above the scale may be considered on request and on the merits of the case. Up to 40% of total crop-production requirement may cover post-harvest and consumption needs.

Component A: project cost ₹3.5 crore/MW, maximum ₹7 crore for 2 MW and maximum loan ₹10 crore. Component B: ₹3.25 lakh per pump with maximum loan ₹0.97 lakh. Component C: ₹4.50 lakh per pump with maximum loan ₹1.35 lakh.

Up to ₹3 lakh: one-year MCLR + SP. Above ₹3 lakh and below ₹25 lakh: one-year MCLR + SP + 1.25%. For ₹25 lakh and above: +2.00% below 3 years, +2.10% for 3–5 years, +2.15% above 5–10 years and +2.95% above 10 years.

Primary security is hypothecation of the financed assets. Mortgage of land or a third-party guarantee applies according to the bank’s agriculture-security norms and the component/loan structure.

Component A: up to 15 years including 6-month moratorium. Components B/C: up to 10 years including 6-month moratorium. Margin is 30% for A and 10% for B/C.

Eligible micro, small and medium enterprises

No collateral is required. The bank may hypothecate assets created from its finance, and the loan is covered under CGTMSE.

Nil

Finance for purchasing estates growing coffee, tea, rubber, cardamom, cashew, pepper, coconut and other perennial orchard crops.

Owners of agricultural land, tenant farmers and oral lessees who preferably already have yielding estates and can rejuvenate the estate proposed for purchase, while meeting applicable State Government agriculturist or income norms.

No fixed minimum or maximum loan amount is published. The amount is assessed from the estate valuation, purchase consideration, guidance/circle rate, recent local registered-sale prices and the proposed plantation project.

For cash credit/OD and demand loans below 3 years: CR1 +1.50%, CR2 +1.75%, CR3 +2.00%, CR4 +2.50%, CR5 +2.75%, CR6–CR10 +3.25% over one-year MCLR + SP. Term loans of 3 years or more range from one-year MCLR + SP + 1.60% to +3.35%.

Mortgage of the estate purchased and hypothecation of plantation crops raised on it, with collateral mortgage of landed property, preferably residential property.

Compressed-biogas plants anywhere in India with designed capacity of at least 2.0 tonnes per day, promoted by entrepreneurs holding an Oil Marketing Company LOI for production and supply of CBG. Eligible constitutions include proprietorships, partnerships, LLPs, companies and cooperatives permitted by the Ministry of Petroleum and Natural Gas.

No minimum or maximum rupee facility amount is published. The scheme can provide working capital, term loan, bank guarantee or letter of credit for an eligible CBG plant with designed capacity of at least 2.0 tonnes per day.

For aggregate limits up to ₹50 crore, BRLLR + SP +0.50% to +5.40% depending on internal rating and immovable-property security coverage. Above ₹50 crore up to ₹100 crore, add 1% over the applicable up-to-₹50-crore rate. MNRE central financial assistance is ₹4 crore per 4,800 kg/day CBG generated from 12,000 cubic metres/day biogas, capped at ₹10 crore per project.

25% for working capital and 30% for term loan.

Demand or term loans for land reclamation and soil improvement, on-farm development, soil/water conservation, land clearance, levelling, bunding, terracing, contour works, drains, roads, saline/alkaline/ravine reclamation and fencing.

Small/marginal farmers, SHGs, JLGs and FPO/FPCs: up to 180 months with holiday up to 23 months. Others: up to 84 months with holiday up to 11 months.

Finance may support dairy, fishery, animal husbandry, poultry, beekeeping, input purchase, warehouse receipts, marketing infrastructure, common service/processing centres, irrigation, farm equipment, high-tech equipment, member produce purchase, member on-lending and other productive agriculture activities.

Registered Farmer Producer Organisations/Companies with at least 3 months of operations since registration.

15%.

Cash credit: 12 months subject to annual renewal. Term loan: 3–7 years including a 3–12 month moratorium, with monthly, quarterly, half-yearly or yearly instalments based on project cash flow.

Term finance to establish a new small dairy unit with 2–10 milch animals, using state-specific NABARD per-animal cost.

Individuals, farmers and members of NGOs, SHGs or JLGs aged 21–65 when the facility is availed.

Minimum 10%.

Up to 5 years including a 3-month moratorium.

Provide demand or term finance to NBFC-MFIs for onward lending to qualifying individuals and groups under RBI Priority Sector criteria.

NBFC-MFIs engaged in on-lending to individuals or groups for activities eligible for Priority Sector classification under Agriculture, MSME and other RBI-defined categories.

Up to ₹3 lakh: one-year MCLR + SP + 0.50%. Above ₹3 lakh and below ₹25 lakh: one-year MCLR + SP + 1.50%. At ₹25 lakh and above, the spread depends on internal credit rating: CR-1 +1.40%, CR-2 +1.65%, CR-3 +1.90%, CR-4 +2.40%, CR-5 +3.40%, and CR-6 or below +5.40%.

10% on book debts created from funds borrowed from Bank of Baroda.

Inland and marine fisheries/aquaculture, mariculture and seaweed, North-Eastern/Himalayan fisheries, ornamental fisheries, technology, post-harvest/cold chain, marketing infrastructure, deep-sea vessels, aquatic health, monitoring/control/surveillance and fisher safety/security.

Fishers, fish farmers, fish workers and vendors, fisheries corporations, SHGs/JLGs, cooperatives/federations, entrepreneurs, private firms, LLPs, companies, cooperative societies and fish-farmer producer organisations/companies.

Funding is need-based for the project or borrower. Credit-guarantee coverage may be available under CGTMSE for eligible loans up to ₹2 crore.

Up to ₹2 crore: one-year MCLR + 100 basis points. Above ₹2 crore: MCLR + SP + 0.30% to +2.25% based on internal credit rating and immovable-security coverage.

15%.

Investment in viable post-harvest management infrastructure and community-farming assets, including warehouses, silos, pack houses, assaying and sorting/grading units, cold chains, logistics, primary processing, ripening chambers, organic-input and bio-stimulant production, smart/precision agriculture, crop-cluster supply-chain infrastructure and eligible public-private partnership assets. The complete Government list and crop-wise conditions are preserved in the linked tables.

Primary Agricultural Credit Societies (PACS), marketing cooperative societies, Joint Liability Groups (JLGs), Farmer Producer Organisations (FPOs), Self-Help Groups (SHGs), multipurpose cooperative societies, agri-entrepreneurs, start-ups, Aggregation Infrastructure Providers, and Central/State agency or local-body-sponsored PPP projects.

Term finance to purchase, develop and cultivate agricultural, fallow or waste land, including land purchase for diversification into allied activities.

Depends on the area of land to be purchased, its valuation and the cost of development.

7 to 12 years in half-yearly or yearly instalments, including a maximum moratorium of 24 months.

Up to ₹3 lakh for individuals and up to ₹30 lakh for institutions.

Maximum 24 months for individuals and 36 months for institutions, with a moratorium of up to 3 months.

Minimum margin is 15% for agricultural/agri-hiring, 20% for agri-cum-commercial and 30% for Tatkal Tractor. Corresponding maximum LTV is 85%, 80% and 70%.

New motorcycle or scooter purchase for farmers.

New and existing farmers engaged in agriculture or allied activities with repayment capacity based on crops, allied activities or other income sources.

Up to ₹3 lakh.

Up to ₹1 lakh: monthly, quarterly, half-yearly or yearly instalments based on income pattern. Above ₹1 lakh: monthly instalments with maximum 1-month moratorium.

Pledge of agricultural commodity and duly discharged or lien-marked warehouse receipts.

Maximum 12 months.

Any individual, woman, proprietary concern, partnership firm, private limited company or other entity setting up/upgrading a qualifying micro enterprise.

Maximum ₹10 lakh for term loan and/or working capital.

3 to 7 years after an initial moratorium as prescribed by the financing bank.

3 to 12 months for both agriculture and MSME gold-secured demand loans.

3 to 12 months for both agriculture and MSME gold-secured demand loans.

₹25,000 to ₹10 lakh for agriculture, MSME and retail gold-secured facilities.

Gold pledged as security for the agriculture and MSME gold-loan facilities.

3 to 12 months for all three facilities.

₹25,000 to ₹10 lakh for agriculture, MSME and retail gold-secured facilities.

Gold pledged as security for the agriculture and MSME gold-loan facilities.

3 to 12 months for all three facilities.

Agriculture commodity traders, commission agents and arthias meeting MSMED investment criteria, with valid Udyam and GST registrations.

Above ₹10 lakh and up to ₹2 crore.

Demand loan repayable within 12 months.

25%.

Maximum repayment period five years with monthly interest/instalment servicing, including a maximum six-month moratorium.

The official scheme page links applicable service charges but prints no fixed numeric processing fee.

Farmers and individuals engaged in agriculture or related activities who own or possess eligible gold ornaments/jewellery

More than ₹50,000 and up to ₹25,00,000

Maximum 1% of disbursal amount plus applicable taxes. Processing fee and stamp duty are non-refundable. Senior citizens receive a 10% discount on all charges per the schedule note.

12-month rear-ended scheme or 42-month monthly-interest scheme.

Processing: up to 2% of sanctioned limit. Credit administration: 1% of sanctioned limit.

Existing customers financing new or old tractors, harvesters or implements for agricultural or commercial purpose.

Up to 90% of tractor value.

Up to 3% of the loan amount.

N/A in the scheme sheet.

12 months, subject to annual renewal.

₹1 crore to ₹50 crore.

Minimum 25% margin. Funding is to follow only after equity is tied up/fully funded.

Short-term funds for day-to-day business operations across industry, trade and services.

Corporates, partnership firms and proprietary concerns in industry, trade and services requiring short-term business finance.

Finance for agricultural implements and farm equipment.

2% for implement funding.

Purchase a new harvester for agricultural activities.

1% for new-harvester funding.

Up to 5 years.

Purchase a new tractor for agricultural activities.

1% for new-tractor funding.

Up to 6 years.

Purchase a used harvester or refinance an existing harvester for agricultural use.

2% for used-harvester funding.

Up to 5 years.

Purchase a used tractor or obtain finance against an existing tractor for agricultural use.

2% for used-tractor funding.

Up to 5 years.

Agricultural Term Loan

Individual farmers, proprietorships, partnerships and corporate farmers directly engaged in agriculture, allied or ancillary activities

SBI’s ABAL page (last updated 25 June 2025) states 1-year MCLR + 2.00% p.a. That is 10.70% using the 8.70% 1-year MCLR printed in SBI’s 15 September 2026 agriculture sheet. The same newer sheet lists 1-year MCLR + 3.60% up to ₹50 lakh for generic “MC-ATL Other AGL Finance”, but does not name or map ABAL. The current ABAL spread therefore needs SBI confirmation.

Up to 72 months, including the moratorium period

Agri term loan for agri-clinic or agri-business centre

Candidates aged 18–60 with eligible agriculture/allied degrees or diplomas, biological-science graduation plus agriculture PG, UGC-recognised agriculture-content qualifications, or agriculture intermediate with at least 55%

Up to 10 years including maximum 24-month moratorium

Finance for agri-allied and related business activities

Proprietorship, partnership, private limited company, LLP, corporate or FPO engaged in agri commodity, food processing, agri-input manufacturing, agri exports, agri infrastructure or ancillary activity

Up to 10 years including maximum 24-month moratorium

Pledge of gold ornaments.

Up to ₹50,000: Nil. Above ₹50,000 to ₹2,00,000: 0.50% of the loan, minimum ₹500, plus GST. Above ₹2,00,000: 0.30%, minimum ₹1,000, plus GST.

Repay within 12 months from the date of disbursement.

Medium- and long-term debt financing for viable post-harvest management infrastructure and viable farming assets, including specified integrated primary and secondary processing projects.

Farmer Producer Organisations (FPOs), private companies, individual entrepreneurs, Section 8 companies, Micro, Small and Medium Enterprises (MSMEs), and dairy cooperatives

Agri term loan for godowns, warehouses, cold stores, cold chains, silos and market yards

Individuals, farmer/grower groups, partnership or proprietary firms, companies, corporations, NGOs, SHGs and cooperatives

Demand loan under co-lending model

Similar-member JLGs engaged in non-farm or allied agriculture activity within partner NBFC area, subject to RBI microfinance criteria

Nil under the regulatory framework on microfinance loans and SBI microfinance policy

12–36 months including one-month moratorium

20% of combine harvester and accessory cost, excluding insurance and registration charges

Principal-equated instalments with interest, paid half-yearly

Individual farmers, companies, partnership firms, JLGs and SHGs of farmers

15% to 25% of project cost

12-month moratorium, followed by up to 24 half-yearly instalments

Dairy-farm finance may cover milch cattle, plant and machinery, and shed construction. Dairy-processing finance may cover required infrastructure, land development, plant and machinery.

Individual farmers, Self Help Groups (SHGs), Joint Liability Groups (JLGs), corporates, Farmer Producer Organisations (FPOs), partnership firms and cooperatives.

Dairy farm: up to 5 years, including moratorium, with a maximum 3-month moratorium. Dairy processing: up to 10 years, including moratorium, with a maximum 18-month moratorium.

Nil charges, subject to change under SBI guidelines

SHG active at least six months, meets NABARD grading parameters and has required corpus

1-year MCLR + 5%, stated as 14% p.a.

No processing, documentation or inspection charges up to ₹5 lakh

Individuals, proprietorships, partnership firms, LLPs, companies, co-operative societies, and groups of fish farmers organised as SHGs or JLGs.

Maximum 7 years including a 12-month moratorium

Demand loan under group-lending model

Similar-member JLGs engaged in non-farm or allied agri activities within branch area, subject to RBI microfinance criteria

12% fixed p.a.

Nil under the regulatory framework on microfinance loans and SBI policy

12–36 months including one-month moratorium

Agricultural cash credit for animal husbandry and fisheries working capital

Revolving cash-credit account. Any credit balance earns SBI's savings-bank rate.

Primary security: hypothecation of crops grown and assets created from bank finance. Collateral: equitable or registered mortgage of land/immovable property, as applicable, equal to 100% of the loan value. Collateral is waived for KCC limits up to ₹2 lakh, and up to ₹3 lakh where a tie-up arrangement applies.

Up to ₹3 lakh: nil. Above ₹3 lakh to ₹50 lakh: 0.65% of the loan limit. Above ₹50 lakh: 0.50%–1.00% of the loan limit, based on CRA rating. SBI says charges may change.

Limit validity: 5 years, with a 10% annual limit increase subject to annual review. Repayment follows the crop period (short- or long-duration) and the crop's marketing period.

Agriculture cash credit for end-to-end scientific and progressive farming

Corporate farmers, companies of farmers, agricultural firms, and large or other farmers using scientific and progressive farming methods.

Allied-agriculture activities listed by SBI are dairy, poultry, fisheries, sericulture, piggery, sheep/goat rearing, beekeeping and mushroom cultivation. Tarun Plus requires successful repayment of an earlier Tarun loan. SBI's PMMY application form also says the applicant should not be a defaulter with any bank or financial institution.

Owner cultivators, agri entrepreneurs, tenant farmers, oral lessees, sharecroppers and persons engaged in agriculture or allied activities

1-year MCLR + 0.15%, stated as 8.85% p.a.

Pledge of gold ornaments

12 months from date of disbursement

Financial, technical and business support for new and existing micro food-processing enterprises

Individual and group micro food-processing enterprises, FPOs, SHGs and cooperatives

Maximum 10 years including a maximum moratorium of 6–24 months.

Agriculture term loan for polyhouse and related machinery/equipment

As per SBI extant guidelines for the agriculture segment

Repayable in 72 months including maximum 12-month moratorium

Individual farmers including SHGs, JLGs, corporate farmers, FPOs/FPCs, companies, partnership firms and farmer cooperatives engaged in agriculture or allied activities

Repayable in 120 months including a 9-month moratorium

Business purpose, capacity expansion and modernization for manufacturing, trading, services and allied agricultural activities

Existing and new units in non-corporate, non-farm manufacturing, trading, services and allied agricultural activities

Competitive pricing linked to EBLR

Up to ₹20 lakh based on the Self Help Group corpus

Setting up a new greenfield enterprise in manufacturing, trading, services or activities allied to agriculture by an SC/ST or woman entrepreneur

Scheduled Caste, Scheduled Tribe or woman borrower

Above ₹10 lakh and up to ₹1 crore (₹100 lakh)

0.20% of loan amount plus applicable GST

7 years with maximum 18-month moratorium

The scheme offers term-loan, cash-credit and overdraft facilities.

Individual female members of mature SHGs credit-linked with SBI and sponsored by SRLM or NRLM

Svayam Siddha rates vary by activity: EBR + 2.50% for SME activities and 1-year MCLR + 3.00% for agriculture activities. Using the sheet's 7.90% EBLR reference and 8.70% 1-year MCLR, the indicated rates are 10.40% and 11.70% p.a. respectively.

Primary security is hypothecation of assets created from bank finance. Collateral security is Nil, and CGFMU cover is mandatory wherever applicable.

25% of the tractor and accessories cost, including insurance and registration

Up to 5 years, with principal-equated instalments plus interest paid half-yearly

Finance traders, owners of goods, manufacturers and processors against warehouse receipts issued by tied-up collateral managers

Borrowers pledging receipts issued by WDRA-registered warehouses or approved collateral managers

Warehouse-receipt pricing varies by receipt and tenor: e-NWR 6 months EBLR + 25 bps (8.15% indicative), e-NWR 12 months EBLR + 50 bps (8.40%), warehouse receipt by collateral manager 6 months EBLR + 40 bps (8.30%), and 12 months EBLR + 65 bps (8.55%). Indicative figures use the sheet's 7.90% EBLR reference before CRP/BSP.

25% to 35% of market price

Processing fee waived for e-NWRs and warehouse receipts issued by approved collateral managers.

Maximum 12 months, limited to one month before the commodity shelf life (for example, 11 months for a 12-month shelf life and 2 months for a 3-month shelf life).

Farmers who are individual or joint owner-cultivators, tenant farmers, oral lessees or sharecroppers.

Nil

Repayment is linked to the anticipated harvest and marketing period for the crop financed.

Owner-cultivator farmers (individual or joint borrowers), tenant farmers, oral lessees, sharecroppers, and farmer SHGs/JLGs including tenant farmers and sharecroppers.

Need-based finance considering cropping pattern, acreage and the scale of finance determined by the District Level Technical Committee (DLTC).

Need-based finance considering acreage and the scale of finance determined by the District Level Technical Committee (DLTC).

Nil

Emergency credit for agricultural and domestic needs to help farmers manage temporary financial difficulties.

Individual farmers or joint borrowers of up to four farmers who already hold a UCO Kisan Credit Card and have at least two years of satisfactory track record.

Up to ₹25,000: nil. Above ₹25,000: charges applicable to an agriculture term loan. The current general advance tariff excludes schematic advances where charges are separately defined, so no unsupported higher-amount figure is substituted.

Borrowers seeking agriculture, investment-credit or allied-activity finance against gold ornaments.

Bullet repayment of principal linked to the harvest season, or a maximum period of two years.