Business, & agriculture finance

Axis Bank Kisan Power

Cash credit for cultivation and post-harvest needs, plus term loans for farm investment and development.

Loan amount₹25,001 to ₹2.5 crore.Interest rateDisbursed rates in Apr–Jun 2026: 7.00%–15.00%; mean 10.65%. This is a historical portfolio range, not a guaranteed borrower rate. Eligible CC/OD up to ₹3 lakh from a rural or semi-urban branch is stated at a concessional 7% p.a., subject to applicable government interest-subvention rules.Customer typeFarmers seeking working-capital, crop, horticulture or farm-development credit

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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

Every value belongs to this exact product. Expand any fact to inspect its official evidence in place.

FacilityCash credit for working capital/production credit and term loans for farm investment; the bank says cash credit must be availed to obtain the term loan.View source

The page lists production credit/ for cultivation and post-harvest expenses, term loans for farm-development investment, and says cash credit must be availed to obtain a term loan.

Source: Axis Bank Kisan Power — product features
Page / section: Product Features; Facilities provided; Other details
Accessed: 30 Sept 2026
Confidence: high

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Loan amount₹25,001 to ₹2.5 crore.View source

The detailed Kisan Power page gives minimum ₹25,001 and maximum ₹2,50,00,000.

Source: Axis Bank Kisan Power — product features
Page / section: Product Features; Loan amount
Accessed: 30 Sept 2026
Confidence: high

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Interest rateDisbursed rates in Apr–Jun 2026: 7.00%–15.00%; mean 10.65%. This is a historical portfolio range, not a guaranteed borrower rate. Eligible CC/OD up to ₹3 lakh from a rural or semi-urban branch is stated at a concessional 7% p.a., subject to applicable government interest-subvention rules.View source

The reports Kisan Power CC/TL min 7.00%, max 15.00%, mean 10.65% for April–June 2026. The product page separately says eligible CC/ up to ₹3 lakh taken from rural/semi-urban branches is at a concessional 7% p.a.; government/state subvention and prompt-repayment rules apply.

Source: Axis Bank Farmer Funding disbursed-rate sheet and Kisan Power product page
Page / section: Rate page 1, Kisan Power (CC/TL); product page, Interest subvention / Applicable Interest
Accessed: 30 Sept 2026
Confidence: high

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TenureUp to 5 years; repayment rests half-yearly or yearly according to harvest and marketing periods.View source

The current guide states 5-year tenure and harvest/marketing-linked half-yearly or yearly rests.

Source: Axis Bank Farmer Funding Product Guide
Page / section: page 2, Kisan Power
Accessed: 30 Sept 2026
Confidence: high

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EligibilityAge 18–75; applicants over 60 need a co-borrower. Up to five joint holders are permitted. At least 1 acre of agricultural land is required for KCC. Cash credit is required to obtain a Kisan Power term loan.View source

The published page gives the age/co-borrower rule, five joint holders, land rule, and mandatory cash-credit condition for a term loan.

Source: Axis Bank Kisan Power — eligibility and features
Page / section: Product Features; Age, Joint holding, Land holding, Other details
Accessed: 30 Sept 2026
Confidence: high

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Government interest supportEligible cash-credit/overdraft facilities up to ₹3 lakh from rural or semi-urban branches: concessional 7% p.a.; other interest subvention/prompt-repayment incentives follow Government of India or State Government advice.View source

The official page states the concessional 7% rate for qualifying CC/ up to ₹3 lakh and ties further subvention/incentive to Government of India/State rules.

Source: Axis Bank Kisan Power — interest subvention
Page / section: Product Features; Interest subvention / Applicable Interest
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 seeking working-capital, crop, horticulture or farm-development creditView source

The manually reviewed product record states: “Farmers seeking working-capital, crop, horticulture or farm-development credit”.

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

Open official source ↗

Benefits and features

Cash-credit and term-loan facilities
Eligible crop insurance and RuPay debit card benefits
Government/State interest subvention or prompt-repayment incentives when applicable

Eligibility

Age 18–75; co-borrower required above 60
Minimum 1 acre of agricultural land for ; up to five joint holders
Cash credit is mandatory to obtain the term loan

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

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Loan repayment estimate

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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₹19,382nineteen thousand three hundred eighty-two rupees

Interest paid over the full loan₹21,51,794twenty-one lakh fifty-one thousand seven hundred ninety-four rupees

Everything you repay₹46,51,794forty-six lakh fifty-one thousand seven hundred ninety-four 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 Power

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Eligibility

Related official documents

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Complete rates, limits and schedules

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