Business, & agriculture finance

Axis Bank Farm Development Term Loan

Term finance for farm development and investment, including land improvement, fencing, irrigation, farm sheds and ponds.

Loan amount₹25,001 to ₹10 lakh.Customer typeFarmers seeking land development, irrigation, farm-shed, farm-pond or related agricultural investment Processing feeFarmer Funding tariff effective 19 June 2026: 1.50% + GST; specifically not applicable to FDOD codes ODAGD/ODAGR. Small/marginal-farmer KCCs up to ₹3 lakh at account level have the stated service-charge waivers. Kisan Tatkal's guide says nil processing fee, conflicting with the tariff's general fee; see its product fact.

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✓ Manually checked 30 Sept 2026 · active

Offered byAxis Bank

See the official bank source for geographic availability.

Key facts

What the official sources publish

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FacilityTerm loan for farm development and agricultural investment; a crop loan is mandatory alongside it.View source

The product page identifies the eligible development uses and states that a crop loan is mandatory along with the term loan.

Source: Axis Bank Farm Development Term Loan — features
Page / section: Product Features; Term Loan
Accessed: 30 Sept 2026
Confidence: high

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Loan amount₹25,001 to ₹10 lakh.View source

The current guide gives minimum ₹25,001 and maximum ₹10,00,000.

Source: Axis Bank Farmer Funding Product Guide
Page / section: page 9; Farm Development Term Loan
Accessed: 30 Sept 2026
Confidence: high

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Repayment periodUp to 7 years, with moratorium up to 6 months in the detailed route and current guide. The Farmer Funding catalogue card separately says the moratorium ranges from 6 to 24 months; this conflict needs confirmation.View source

Detailed route and product guide say up to 7 years with moratorium up to 6 months; hub card says moratorium 6–24 months.

Source: Axis Bank Farm Development Term Loan — product page and Farmer Funding catalogue
Page / section: Product page, Tenure; catalogue listing, Maximum tenure
Accessed: 30 Sept 2026
Confidence: high

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EligibilityAge 18–75 (co-borrower above 60); minimum own agricultural land holding 1 acre; a crop loan must be held with the term loan.View source

The current page sets the age/co-borrower rule, own-land minimum and crop-loan condition.

Source: Axis Bank Farm Development Term Loan — eligibility
Page / section: Product Features; Age, Eligibility and Term Loan
Accessed: 30 Sept 2026
Confidence: high

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Processing feeFarmer Funding tariff effective 19 June 2026: 1.50% + GST; specifically not applicable to FDOD codes ODAGD/ODAGR. Small/marginal-farmer KCCs up to ₹3 lakh at account level have the stated service-charge waivers. Kisan Tatkal's guide says nil processing fee, conflicting with the tariff's general fee; see its product fact.View source

Tariff effective 19 June 2026 states 1.50% + , excludes FDOD codes ODAGD/ODAGR and separately waives a listed set of charges for qualifying small/marginal accounts up to ₹3 lakh.

Source: Axis Bank Applicable Schedule of Charges for Farmer Funding (B2C)
Page / section: page 1, Processing Charges; pages 4–5, small/marginal-farmer exemption
Accessed: 30 Sept 2026
Confidence: high

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Renewal fee1.00% + GST under the Farmer Funding schedule; applies to account renewal as specified by the tariff.View source

The current Farmer Funding schedule states renewal fee 1.00% + .

Source: Axis Bank Applicable Schedule of Charges for Farmer Funding (B2C)
Page / section: page 1, Processing Charges — Renewal Fee
Accessed: 30 Sept 2026
Confidence: high

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Prepayment / part-payment / foreclosureNil under the Farmer Funding schedule.View source

The schedule lists the charge as NIL.

Source: Axis Bank Applicable Schedule of Charges for Farmer Funding (B2C)
Page / section: page 1, Pre-payment/Part-Payment/Foreclosure charges
Accessed: 30 Sept 2026
Confidence: high

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Penal chargesFinancial default: 8% p.a. on overdue term-loan amount or overdrawn/overdue/outstanding OD/CC amount, subject to an aggregate cap of ₹1,00,000 or minimum ₹300 (whichever is higher) per instance. Non-financial default: 1% p.a. from the event date on total term-loan outstanding or total CC/OD sanctioned limit. Penal charges are not capitalised; regular contractual interest continues on overdue/outstanding amounts.View source

The schedule defines financial defaults for term loan and /CC, specifies separate 8% and 1% penal rates, sets a per-instance cap/minimum, prohibits capitalization, and states normal interest remains payable.

Source: Axis Bank Applicable Schedule of Charges for Farmer Funding (B2C)
Page / section: pages 2–3, Penal Charges; financial/non-financial defaults and additional regular interest
Accessed: 30 Sept 2026
Confidence: high

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Customer typeFarmers seeking land development, irrigation, farm-shed, farm-pond or related agricultural investmentView source

The manually reviewed product record states: “Farmers seeking land development, irrigation, farm-shed, farm-pond or related agricultural investment”.

Source: Axis Bank Farm Development Term Loan — official product page
Page / section: Published product metadata
Accessed: 30 Sept 2026
Confidence: high

Open official source ↗

Benefits and features

Supports land levelling/fencing, minor or drip irrigation, bore wells, sheds and ponds

Eligibility

Minimum own agricultural land holding: 1 acre
A crop loan is mandatory along with the term loan
Age 18–75; co-borrower above 60

Passing a listed condition does not mean the bank will approve an application.

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Amount you want to borrowThe money you would receive from the lender.₹twenty-five lakh rupees₹50,000₹2,00,00,000Yearly interest rateThe percentage charged on the outstanding loan each year.%2%30%Time to repayA longer time usually lowers the monthly payment but raises total interest. months6 months360 months

One monthly payment₹21,696twenty-one thousand six hundred ninety-six rupees

Interest paid over the full loan₹27,06,939twenty-seven lakh six thousand nine hundred thirty-nine rupees

Everything you repay₹52,06,939fifty-two lakh six thousand nine hundred thirty-nine rupees

This is only an estimate, not a bank or insurer offer. The final amount can change because of taxes, fees, rate changes and provider rules.

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Charge / serviceChoose column

Monthly account statement by email · Limit or triggering conditionMonthly

This value is copied from Axis Bank Farmer Funding (B2C) — complete schedule of charges (effective 19 June 2026). Check the table notes before relying on it.

Source: Axis Bank Applicable Schedule of Charges for Farmer Funding (B2C), effective 19 June 2026 · pages 1–5; all tariff items, thresholds, exceptions, collection methods and notes Open official source ↗

Published tables

Complete rates, limits and schedules

Tables preserve every reviewed row and column from the cited official source.

Table 1 · 68 rows · 5 columnsAxis Bank Farmer Funding (B2C) — complete schedule of charges (effective 19 June 2026)All charges, brackets, collection methods, exceptions and tariff notes transcribed from the current five-page schedule. Applicability can vary by facility, performing status, sanction limit, account code and state law; read each row and note before applying.View tableHide table

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Axis Bank Farmer Funding (B2C) — complete schedule of charges (effective 19 June 2026)
Charge / service	Limit or triggering condition	Published charge	Applicability / exemption	Collection method / detail
Monthly account statement by email	Monthly	Nil	Farmer Funding (B2C)	Manual / email
Ad hoc account statement from any branch	Per statement	₹100 +	Farmer Funding (B2C)	Manual
Processing fee	Standard facility	1.50% +	Not applicable to FDOD codes ODAGD and ODAGR	Manual
Renewal fee	At renewal	1.00% +	Farmer Funding (B2C)	Manual
Extension of limit currency without detailed appraisal	Delayed renewal because borrower data was submitted late	1.00% +	For continuing the advance / extending limit currency	Manual
Prepayment / part-payment / foreclosure	Any listed facility	Nil	Farmer Funding (B2C)	System-driven
Account service charge — performing asset	Sanctioned limit up to ₹25,000	No charge	Annual per account; FDOD ODAGR/ODAGD excluded	Central debit; schedule specifies November for monthly/quarterly/half-yearly and May for yearly frequency
Account service charge — performing asset	Above ₹25,000 to ₹1,00,000	₹300 +	Annual per account; FDOD ODAGR/ODAGD excluded	Central debit; frequency-based month as above
Account service charge — performing asset	Above ₹1,00,000 to ₹3,00,000	₹600 +	Annual per account; FDOD ODAGR/ODAGD excluded	Central debit; frequency-based month as above
Account service charge — performing asset	Above ₹3,00,000 to ₹10,00,000	₹800 +	Annual per account; FDOD ODAGR/ODAGD excluded	Central debit; frequency-based month as above
Account service charge — performing asset	Above ₹10,00,000 to ₹1,00,00,000	₹2,000 +	Annual per account; FDOD ODAGR/ODAGD excluded	Central debit; frequency-based month as above
Account service charge — performing asset	Above ₹1,00,00,000	₹4,000 +	Annual per account; FDOD ODAGR/ODAGD excluded	Central debit; frequency-based month as above
Opinion report	Sanction limit up to ₹25,000	No charge	Farmer Funding (B2C)	Manual
Opinion report	Above ₹25,000 to ₹25,00,000	₹250 + per report	Farmer Funding (B2C)	Manual
Opinion report	Above ₹25,00,000	₹500 + per report	Farmer Funding (B2C)	Manual
Documentation — simple/registered/equitable mortgage	Sanction up to ₹1,00,000; charge not registered with CERSAI	Nil	FDOD ODAGR/ODAGD excluded	Manual
Documentation — simple/registered/equitable mortgage	Sanction up to ₹1,00,000; charge registered with CERSAI	Nil	FDOD ODAGR/ODAGD excluded	Manual
Documentation — simple/registered/equitable mortgage	Above ₹1,00,000 to ₹5,00,000; not registered with CERSAI	Nil	FDOD ODAGR/ODAGD excluded	Manual
Documentation — simple/registered/equitable mortgage	Above ₹1,00,000 to ₹5,00,000; registered with CERSAI	₹1,000 +	FDOD ODAGR/ODAGD excluded	Manual
Documentation — simple/registered/equitable mortgage	Above ₹5,00,000 to ₹25,00,000; not registered with CERSAI	Nil	FDOD ODAGR/ODAGD excluded	Manual
Documentation — simple/registered/equitable mortgage	Above ₹5,00,000 to ₹25,00,000; registered with CERSAI	₹1,500 +	FDOD ODAGR/ODAGD excluded	Manual
Documentation — simple/registered/equitable mortgage	Above ₹25,00,000 to ₹1,00,00,000; not registered with CERSAI	₹1,500 +	FDOD ODAGR/ODAGD excluded	Manual
Documentation — simple/registered/equitable mortgage	Above ₹25,00,000 to ₹1,00,00,000; registered with CERSAI	₹3,000 +	FDOD ODAGR/ODAGD excluded	Manual
Documentation — simple/registered/equitable mortgage	Above ₹1,00,00,000; not registered with CERSAI	₹3,500 +	FDOD ODAGR/ODAGD excluded	Manual
Documentation — simple/registered/equitable mortgage	Above ₹1,00,00,000; registered with CERSAI	₹3,500 +	FDOD ODAGR/ODAGD excluded	Manual
Extension of existing mortgage to secure borrower’s enhanced/fresh limit	Relevant documentation slab	50% of relevant slab	FDOD ODAGR/ODAGD excluded	Manual
Extension of existing mortgage to secure third-party enhanced/fresh limit	Relevant documentation slab	50% of relevant slab	FDOD ODAGR/ODAGD excluded	Manual
Substitution of title deeds	Relevant documentation slab	100% of relevant slab	Farmer Funding (B2C)	Manual
Signature verification	Per application / letter	₹50 +	Farmer Funding (B2C)	Manual
Duplicate No Dues Certificate	Per certificate	₹50 or as per State law +	Farmer Funding (B2C)	Manual
Penal charge — term-loan financial default	Overdue amount; non-payment of interest/principal/instalment when due	8% p.a.; aggregate penal charges capped at ₹1,00,000 or minimum ₹300, whichever is higher, per instance	Regular contracted/applicable interest also continues on overdue /interest/principal	System-driven
Penal charge — /CC financial default	Overdrawn/overdue/outstanding amount; excess over sanctioned limit/drawing power, overdue TOD, or expired limit with balance	8% p.a.; aggregate penal charges capped at ₹1,00,000 or minimum ₹300, whichever is higher, per instance	Regular contracted/applicable interest also continues on outstanding amount	System-driven
Penal charge — non-financial default on term loan	Late/missing audited balance sheet, stock/debt statement or insurance; pending security; covenant breach; missed inspection; other sanction-letter non-compliance	1% p.a. from each default on total term-loan outstanding	Penal charges are not capitalised; ordinary contractual interest remains payable	Manual
Penal charge — non-financial default on /CC	Same listed non-financial defaults	1% p.a. from each default on total sanctioned /CC limit	Penal charges are not capitalised; ordinary contractual interest remains payable	Manual
Home/non-home branch cash deposits	Monthly Farmer Funding (B2C) free limit	Free up to ₹12,00,000/month	Above free limit: ₹3 per ₹1,000, minimum ₹50	System-driven
Annual maintenance — fund-based working capital, performing asset	Sanction up to ₹25,000	No charge	Yearly per borrower; FDOD ODAGR/ODAGD excluded	Central debit in May
Annual maintenance — fund-based working capital, performing asset	Above ₹25,000 to ₹1,00,000	₹250 +	Yearly per borrower; FDOD ODAGR/ODAGD excluded	Central debit in May
Annual maintenance — fund-based working capital, performing asset	Above ₹1,00,000 to ₹5,00,000	₹500 +	Yearly per borrower; FDOD ODAGR/ODAGD excluded	Central debit in May
Annual maintenance — fund-based working capital, performing asset	Above ₹5,00,000 to ₹10,00,000	₹1,000 +	Yearly per borrower; FDOD ODAGR/ODAGD excluded	Central debit in May
Annual maintenance — fund-based working capital, performing asset	Above ₹10,00,000 to ₹25,00,000	₹2,500 +	Yearly per borrower; FDOD ODAGR/ODAGD excluded	Central debit in May
Annual maintenance — fund-based working capital, performing asset	Above ₹25,00,000 to ₹1,00,00,000	₹3,500 +	Yearly per borrower; FDOD ODAGR/ODAGD excluded	Central debit in May
Annual maintenance — fund-based working capital, performing asset	Above ₹1,00,00,000 to ₹3,00,00,000	₹5,000 +	Yearly per borrower; FDOD ODAGR/ODAGD excluded	Central debit in May
Legal and technical charges	As incurred	Actuals	Farmer Funding (B2C)	Actual cost
Legal/collection/repossession/incidental expenses	Expenses incurred by bank on customer’s behalf	Actuals	Includes unbudgeted/unlisted expenses	Actual cost
Stamp duty and statutory document charges	As applicable	As per applicable State law	Farmer Funding (B2C)	Statutory
	Up to ₹10,000	₹2.50 + per transaction	Farmer Funding (B2C)	System-driven
	Above ₹10,000 to ₹1,00,000	₹5 + per transaction	Farmer Funding (B2C)	System-driven
	Above ₹1,00,000 to ₹2,00,000	₹15 + per transaction	Farmer Funding (B2C)	System-driven
	Above ₹2,00,000	₹25 + per transaction	Farmer Funding (B2C)	System-driven
	₹1,00,000 to ₹2,00,000	Nil	Farmer Funding (B2C)	System-driven
	Above ₹2,00,000 to ₹5,00,000	₹25 + per transaction	Farmer Funding (B2C)	System-driven
	Above ₹5,00,000	₹50 + per transaction	Farmer Funding (B2C)	System-driven
service-charge exception	Small/marginal farmers; short-term cultivation, agriculture/allied investment and other needs up to ₹3,00,000 at account level	No processing, documentation, legal, technical, inspection, ledger-folio or other service charges listed in note 1	Check account-level qualification; note does not say all borrowers qualify	Tariff note 1
Priority-sector loan service-charge exception	Loans up to ₹50,000	No loan-related/ad hoc service or inspection charges	Priority-sector loans	Tariff note 2
Cheque-book leaves	New borrower account: first 100 leaves	Free; thereafter ₹2 per leaf	Farmer Funding retail agri	Manual/system as applicable
Inward cheque return	Per cheque	₹500	Farmer Funding retail agri	Manual/system as applicable
Outward cheque return	Per cheque	₹500	Farmer Funding retail agri	Manual/system as applicable
Stop payment — instrument	Per instrument	₹50	Farmer Funding retail agri	Manual/system as applicable
Stop payment — series	Per series, per instruction	₹100	Farmer Funding retail agri	Manual/system as applicable
Pay order	First 15 per day free; above that	₹50 per pay order	Farmer Funding retail agri	Manual/system as applicable
Demand draft payable at Axis Bank locations	First 15 per day free; above that	₹50 per demand draft	Farmer Funding retail agri	Manual/system as applicable
Solvency certificate	Value exactly ₹1,00,000	₹750	Collected manually	Manual
Solvency certificate	Above ₹1,00,000 to ₹10,00,000	₹1,500	Collected manually	Manual
Solvency certificate	Above ₹10,00,000 to ₹25,00,000	₹3,000	Collected manually	Manual
Solvency certificate	Above ₹25,00,000 to ₹50,00,000	₹7,500	Collected manually	Manual
Solvency certificate	Above ₹50,00,000 to ₹1,00,00,000	₹10,000	Collected manually	Manual
Solvency certificate	Above ₹1,00,00,000	₹15,000	Collected manually	Manual
Taxes	Where the schedule marks /tax	Applicable rate	/tax as legally applicable	Add where indicated

Axis Bank Applicable Schedule of Charges for Farmer Funding (B2C), effective 19 June 2026 · pages 1–5; all tariff items, thresholds, exceptions, collection methods and notes · accessed 30 Sept 2026Open official source ↗

Axis Bank Farm Development Term Loan

What the official sources publish

Benefits and features

Eligibility

Related official documents

Try the numbers

Loan repayment estimate

Find the exact published value

Complete rates, limits and schedules

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