Business, & agriculture finance

Axis Bank KUSUM Finance

Term finance for eligible -KUSUM farmer contributions toward solar pumps, pump solarisation and solar power projects.

Loan amount₹25,001 to ₹2.5 crore, as stated in the current Farmer Funding catalogue and product guide.Interest rateRepo-linked: prevailing repo rate plus the bank's spread; the current product page gives quarterly resets but no numeric spread.Customer typeFarmers financing eligible solar pumps, solarisation of grid-connected pumps or solar power plants on agricultural/barren land

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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.

Facility and purposeTerm 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.View source

The product page names the term-loan facility and the three eligible solar investment uses.

Source: Axis Bank KUSUM — facility and eligible uses
Page / section: Feature & Benefits; Type of Facility / View More eligible uses
Accessed: 30 Sept 2026
Confidence: high

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

The current catalogue gives ₹25,001–₹2.5 crore; the current guide gives the same amount range.

Source: Axis Bank Farmer Funding catalogue and Product Guide
Page / section: KUSUM listing; guide page 8
Accessed: 30 Sept 2026
Confidence: high

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Interest rateRepo-linked: prevailing repo rate plus the bank's spread; the current product page gives quarterly resets but no numeric spread.View source

The page says pricing is prevailing repo rate plus spread and the repo reset occurs quarterly; it gives no product-specific numeric spread.

Source: Axis Bank KUSUM — lending rates
Page / section: Other important details; Lending Rates
Accessed: 30 Sept 2026
Confidence: high

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Maximum tenureUp to 7 years, including moratorium, according to the current Farmer Funding catalogue.View source

The catalogue lists tenure up to 7 years including moratorium.

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

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EligibilityAge 18–75 (co-borrower above 60); at least 5 acres. Non-agricultural income above ₹5 lakh is mandatory for the specified grid-connected-pump solarisation and solar-plant uses. Primary security is hypothecation of financed assets; agricultural collateral follows KCC guidelines.View source

The page gives the acreage and age rules, conditional non-agricultural income rule, hypothecation of financed assets and collateral as per guidelines.

Source: Axis Bank KUSUM — eligibility and security
Page / section: Feature & Benefits; Eligibility, Other details, Age, Security / Collateral security
Accessed: 30 Sept 2026
Confidence: high

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

The product page publishes both primary and collateral security terms.

Source: Axis Bank KUSUM — security
Page / section: Feature & Benefits; Security / Collateral security
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 financing eligible solar pumps, solarisation of grid-connected pumps or solar power plants on agricultural/barren landView source

The manually reviewed product record states: “Farmers financing eligible solar pumps, solarisation of grid-connected pumps or solar power plants on agricultural/barren land”.

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

Open official source ↗

Benefits and features

Term loan for eligible -KUSUM uses
Cash-flow-based repayment stated in the current guide
The page publishes different assistance shares for general and specified hill/NE regions

Eligibility

Age 18–75; co-borrower above 60
Minimum 5 acres
Non-agricultural income above ₹5 lakh is required for specified solarisation/solar-plant uses

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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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 · 2 rows · 6 columnsAxis Bank PM KUSUM — published contribution shares for standalone agricultural pumpsAssistance shares stated on the Axis product page. The page qualifies this table for standalone agricultural pumps; scheme/component eligibility and tender/benchmark-cost rules apply.View tableHide table

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Axis Bank PM KUSUM — published contribution shares for standalone agricultural pumps
Region / condition	Central financial assistance	State-government assistance	Farmer contribution	Bank-financed share within farmer contribution	Farmer initial payment
General listed states; standalone agricultural pump	30% of benchmark/tender cost, whichever is lower	30% of benchmark/tender cost, whichever is lower	40%	30%	10%
North Eastern states, Sikkim, Jammu & Kashmir, Himachal Pradesh, Uttarakhand, Lakshadweep and Andaman & Nicobar Islands; standalone agricultural pump	50% of benchmark/tender cost, whichever is lower	30% of benchmark/tender cost, whichever is lower	20%	10%	10%

Axis Bank KUSUM — assistance contribution details · Feature & Benefits; Assistance; expanded regional subsidy details, standalone agricultural pumps · accessed 30 Sept 2026Open official source ↗

Axis Bank KUSUM Finance

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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Axis Bank PM KUSUM Finance

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

Related products

Axis Bank Dairy Power Loan

Axis Bank Farm Development Term Loan

Axis Bank Kisan Credit Card

Axis Bank Kisan Matsya

Axis Bank KUSUM Finance