Business, & agriculture finance

Axis Bank Kisan Matsya

Fisheries credit for recurring fish/prawn-culture expenses and investment in ponds, tanks or sluices.

Loan amount₹25,001 to ₹1.5 crore.Interest rateDisbursed rates in Apr–Jun 2026: 9.35%–14.25%; mean 12.33%. Historical portfolio rates, not a borrower quote.Customer typeFarmers cultivating fresh- or brackish-water fish or prawns

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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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FacilityCash credit for recurring fish/prawn-culture expenses; term loan for investment such as ponds, tanks or sluices.View source

The page expressly assigns cash credit to recurring culture expenses and term loans to ponds/tanks/sluices.

Source: Axis Bank Kisan Matsya — product features
Page / section: Features & Benefits; Type of loans
Accessed: 30 Sept 2026
Confidence: high

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Loan amount₹25,001 to ₹1.5 crore.View source

The detailed page gives the minimum ₹25,001 and maximum ₹1.5 crore.

Source: Axis Bank Kisan Matsya — product features
Page / section: Features & Benefits; Loan limit
Accessed: 30 Sept 2026
Confidence: high

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Interest rateDisbursed rates in Apr–Jun 2026: 9.35%–14.25%; mean 12.33%. Historical portfolio rates, not a borrower quote.View source

The reports Kisan Matsya (CC/TL) min 9.35%, max 14.25%, mean 12.33% for April–June 2026.

Source: Axis Bank Rate of Interest Disbursed for Agri Rural Products — Farmer Funding
Page / section: Page 1; Kisan Matsya (CC/TL), April–June 2026
Accessed: 30 Sept 2026
Confidence: high

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Maximum tenureUp to 5 years, as stated in the Farmer Funding catalogue card.View source

The catalogue card gives a maximum tenure of 5 years; the detailed route page does not restate a tenure.

Source: Axis Bank Farmer Funding catalogue
Page / section: Kisan Matsya listing; Maximum tenure
Accessed: 30 Sept 2026
Confidence: high

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EligibilityFarmers cultivating fresh/brackish-water fish or prawns; age 18–75 (co-borrower above 60); own land/water spread of 2 acres except 1 acre in West Bengal/Odisha; at least 3 years' carp-cultivation experience.View source

The page states fish/prawn cultivation, the age/co-borrower terms, regional land thresholds and carp experience.

Source: Axis Bank Kisan Matsya — eligibility
Page / section: Features & Benefits; Age, Minimum land holding, Eligibility
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

Open official source ↗

Customer typeFarmers cultivating fresh- or brackish-water fish or prawnsView source

The manually reviewed product record states: “Farmers cultivating fresh- or brackish-water fish or prawns”.

Source: Axis Bank Kisan Matsya — official product page
Page / section: Published product metadata
Accessed: 30 Sept 2026
Confidence: high

Open official source ↗

Benefits and features

Cash credit for recurring fisheries costs
Term loan for ponds, tanks and sluices
Simplified documentation stated in the product guide

Eligibility

Age 18–75; co-borrower above 60
Own land/water spread: 2 acres, or 1 acre in West Bengal and Odisha
At least 3 years' carp-cultivation experience

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₹23,059twenty-three thousand fifty-nine rupees

Interest paid over the full loan₹30,34,147thirty lakh thirty-four thousand one hundred forty-seven rupees

Everything you repay₹55,34,147fifty-five lakh thirty-four thousand one hundred forty-seven 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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TableCharge / 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 ↗

Table 2 · 9 rows · 4 columnsAxis Bank Farmer Funding — disbursed interest rates, April–June 2026Full one-page table. Historical portfolio rates disbursed in the stated quarter; these are not prospective quotations or a guarantee of an individual borrower's rate.View tableHide table

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Axis Bank Farmer Funding — disbursed interest rates, April–June 2026
Product / facility	Minimum disbursed	Maximum disbursed	Mean disbursed
Kisan Power (CC/TL)	7.00%	15.00%	10.65%
Dairy Power (/TL)	10.00%	14.50%	12.98%
Poultry Power (/TL)	9.25%	14.25%	12.67%
Kisan Matsya (CC/TL)	9.35%	14.25%	12.33%
Overdraft Product — Individual	8.40%	12.60%	10.66%
Overdraft Product — Non-individual	7.60%	11.75%	9.67%
Kisan Tatkal ()	7.26%	9.75%	8.46%
Finance (CC/TL)	9.75%	15.00%	11.84%
LNAEL (ECLGS 5.0)	9.00%	9.00%	9.00%

Axis Bank Rate of Interest Disbursed for Agri Rural Products — Farmer Funding, April–June 2026 · page 1; complete Min / Max / Mean matrix · accessed 30 Sept 2026Open official source ↗

Axis Bank Kisan Matsya

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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