Business, & agriculture finance

Financing Irrigation

Term finance for irrigation structures such as wells, tubewells and lift-irrigation projects, with project-specific permissions, margin and repayment conditions.

Interest rateProduct-page formulas by limit: up to ₹3,00,000, 1-year MCLR + Strategic Premium (about 9.00% p.a. on the reviewed benchmark snapshot); above ₹3,00,000 and below ₹25,00,000, +1.25% (about 10.25%). The page gives no tenor qualifier for these two amount bands. For ₹25,00,000 and above it publishes +2.10% for 3–5 years (about 11.10%) and +2.15% above 5–7 years (about 11.15%). These percentages are arithmetic illustrations using the 1-year MCLR of 8.75% effective 12 September 2026 and displayed Strategic Premium of 0.25%, not a sanction quote. The product permits repayment up to 9 years; for the ₹25-lakh-and-above tenor-priced band the product page has no 8–9-year row. Central A.1.3 has >7-year rows, but its footnote limits those ₹25-lakh-and-above rates to named corporate-farmer/FPO/FPC/partnership/co-operative borrowers, up to ₹2 crore aggregate per borrower; applicability to all irrigation applicants is not established.Eligible borrower typeCrop cultivators. The product detail page names landowners, permanent tenants and reasonably long-term leaseholders; the current agriculture catalogue also names cultivators and sharecroppers.Processing and inspection chargesProcessing: nil for aggregate agriculture exposure up to ₹3,00,000; above ₹3,00,000, 1% of the sanctioned limit, capped at ₹1,00,00,000. Inspection: nil up to ₹3,00,000; ₹250 above ₹3,00,000 to ₹10,00,000; ₹1,000 above ₹10,00,000 to ₹1,00,00,000; ₹5,000 above ₹1,00,00,000.

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✓ Manually checked 28 Sept 2026 · active

Offered byBank of Baroda

India; eligibility, branch and channel availability follow the official product terms

Key facts

What the official sources publish

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

Financed purposeFinance 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.View source

The features section provides financial assistance for different irrigation structures. Other Information requires the named project/area approvals where applicable; it does not limit the facility to drip irrigation.

Source: Financing Irrigation — Bank of Baroda
Page / section: Features; — Other Informations
Accessed: 28 Sept 2026
Confidence: high

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EligibilityThe product detail page names crop cultivators who own land, are permanent tenants or hold a lease for a reasonably long period. The current agriculture catalogue also lists cultivators and sharecroppers; BOB’s general agriculture FAQ includes tenant farmers, oral lessees and sharecroppers whose land share is within the small/marginal-farmer limits. The FAQ’s general agriculture age rule is 18–70 when the facility is availed; if the landholder is over 70, legal heirs are to be co-borrowers. A co-applicant or guarantor is generally not compulsory but may be required to assess income, security or age. Confirm the scheme-specific applicant class with the branch because the detail page and catalogue do not list identical groups.View source

The product page describes owners, permanent tenants and long-period leaseholders. The catalogue’s targeted Financing Irrigation entry additionally names cultivators/sharecroppers. age and co-borrower conditions are general agriculture-loan guidance, not irrigation-specific terms; they are labeled as such rather than silently merged into the product page’s rule.

Source: Financing Irrigation — Bank of Baroda
Page / section: Product page — Eligibility Criteria; current Rural & Agri catalogue — Financing Irrigation entry; Rural & Agri — Who can avail Agri Loans / age / co-applicant and guarantor
Accessed: 28 Sept 2026
Confidence: high

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Eligible borrower typeCrop cultivators. The product detail page names landowners, permanent tenants and reasonably long-term leaseholders; the current agriculture catalogue also names cultivators and sharecroppers.View source

The concise borrower-type label avoids the legacy generic segment. Exact applicant scope differs between the product detail page and its current catalogue entry; see Eligibility for the wording and branch-confirmation caveat.

Source: Financing Irrigation — Bank of Baroda
Page / section: Eligibility Criteria; catalogue entry — Financing Irrigation
Accessed: 28 Sept 2026
Confidence: high

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MarginNil for a loan limit up to ₹1,00,000; 15% for a loan limit above ₹1,00,000.View source

Benefits say nil margin for aggregate loan up to ₹1 lakh; says loan limit up to ₹100,000 nil and above ₹100,000 15%. These are the page’s own matching threshold statements.

Source: Financing Irrigation — Bank of Baroda
Page / section: Benefits; — Margin
Accessed: 28 Sept 2026
Confidence: high

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Repayment periodMaximum 9 years, depending on the investment purpose and the asset’s economic life.View source

The states a maximum period of 9 years depending on investment purpose and asset economic life.

Source: Financing Irrigation — Bank of Baroda
Page / section: — Repayment Period
Accessed: 28 Sept 2026
Confidence: high

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SecurityUp to the economic-unit cost (where applicable) or ₹1,60,000, whichever is lower: D.P. Note and hypothecation of assets. Above ₹1,60,000: D.P. Note, hypothecation of assets, and mortgage of land or a third-party guarantee.View source

The page’s security block is preserved as written; it names mortgage of land or a third-party guarantee for loans above ₹1.60 lakh.

Source: Financing Irrigation — Bank of Baroda
Page / section: — Security
Accessed: 28 Sept 2026
Confidence: high

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Processing and inspection chargesProcessing: nil for aggregate agriculture exposure up to ₹3,00,000; above ₹3,00,000, 1% of the sanctioned limit, capped at ₹1,00,00,000. Inspection: nil up to ₹3,00,000; ₹250 above ₹3,00,000 to ₹10,00,000; ₹1,000 above ₹10,00,000 to ₹1,00,00,000; ₹5,000 above ₹1,00,00,000.View source

The page states aggregate agriculture exposure thresholds and exact inspection bands; no tax treatment is added because the page does not state it here.

Source: Financing Irrigation — Bank of Baroda
Page / section: Fees & Charges — Processing charges; Inspection Charges
Accessed: 28 Sept 2026
Confidence: high

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Documents and project permissionsKYC documents (Aadhaar, voter ID, PAN or driving licence, etc.), passport-size photo, land records, and a project report and income-tax returns if available; quotation/invoice if available. A tubewell needs a feasibility certificate from the appropriate authority; river-lift irrigation needs Collector/appropriate-authority permission; wells and well-deepening must satisfy the specified Groundwater Directorate suitability/demarcation rules; equipment must meet BIS specifications and the borrower must give an undertaking to buy it.View source

Documents are transcribed from the product page. It marks quotation, project report and IT returns “if available”; technical approvals are conditional on the chosen irrigation structure/area. Generic or application-form checklist items are not added as scheme-specific requirements.

Source: Financing Irrigation — Bank of Baroda
Page / section: Document Required; — Other Informations
Accessed: 28 Sept 2026
Confidence: high

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Project-area conditionsWell digging is financed only in areas the Groundwater Directorate considers suitable for irrigation; well deepening is limited to areas the State Groundwater Directorate demarcates as suitable for deepening.View source

The page gives project-specific area conditions for digging or deepening wells; no additional state/district restriction is inferred.

Source: Financing Irrigation — Bank of Baroda
Page / section: — Other Informations
Accessed: 28 Sept 2026
Confidence: high

Open official source ↗

Published benefitsNil margin up to a ₹1,00,000 loan limit; nil processing and inspection charges up to ₹3,00,000 aggregate agriculture exposure; repayment can extend to 9 years depending on the investment and asset life.View source

The benefit summary combines only exact page values and points to the underlying fee/repayment facts for their full conditions.

Source: Financing Irrigation — Bank of Baroda
Page / section: Benefits; Fees & Charges; — Repayment Period
Accessed: 28 Sept 2026
Confidence: high

Open official source ↗

The product page itself publishes unqualified-by-tenor amount formulas below ₹25 lakh, and term bands through 7 years for ₹25 lakh and above. The central tariff confirms additional A.1.3 rows but its adjacent footnote limits those high-limit rates to named borrower groups and an aggregate exposure cap. The live product detail page does not resolve how that scope applies across its customer classes, and does not show a ₹25-lakh-and-above rate for repayment years 8–9. Current benchmark arithmetic is clearly labeled illustrative and is not represented as the rate approved for an applicant.

Source: Financing Irrigation — Bank of Baroda
Page / section: Product page — Rate of Interest and Repayment Period; central tariff A.1.1–A.1.3.2.4 and footnote; current and parameter references
Accessed: 28 Sept 2026
Confidence: high

Open official source ↗

Benefits and features

Finance for different irrigation structures, including wells, tubewells and lift-irrigation assets
tubewell feasibility and groundwater suitability permissions apply where relevant.

Eligibility

Persons cultivating crops as land owners, permanent tenants or reasonably long-term lease-holders.

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

Documents the bank lists

Aadhaar
voter
card
driving licence

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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₹22,493twenty-two thousand four hundred ninety-three rupees

Interest paid over the full loan₹28,98,356twenty-eight lakh ninety-eight thousand three hundred fifty-six rupees

Everything you repay₹53,98,356fifty-three lakh ninety-eight thousand three hundred fifty-six 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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Term

Purpose · Published detailFinance for different irrigation structures.

This value is copied from Financing Irrigation — current published terms. Check the table notes before relying on it.

Source: Financing Irrigation — current official product page · HTML lines 144–201; cross-referenced current agriculture catalogue, Rural & Agri , Farm Credit tariff A.1, and Strategic Premium Open official source ↗

Published tables

Complete rates, limits and schedules

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

Table 1 · 21 rows · 2 columnsFinancing Irrigation — current published termsPublished irrigation-financing terms, conditions and charge bands.View tableHide table

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Financing Irrigation — current published terms
Term	Published detail
Purpose	Finance for different irrigation structures.
Product-page eligible borrower	Persons engaged in crop cultivation as landowners, permanent tenants or leaseholders for a reasonably long period.
Catalogue scope note	The current agriculture catalogue also names cultivators and sharecroppers; see the eligibility fact for the product-detail/catalogue difference and the bank context.
General agriculture age rule	18–70 at facility availment; if the landholder is over 70, legal heirs are to be co-borrowers. This is general agriculture guidance, not irrigation-specific wording.
Margin up to ₹1,00,000	Nil.
Margin above ₹1,00,000	15%.
Repayment	Maximum 9 years, depending on investment purpose and asset economic life.
Security up to economic-unit cost (where applicable) or ₹1,60,000, whichever is lower	D.P. Note and hypothecation of assets.
Security above ₹1,60,000	D.P. Note; hypothecation of assets; mortgage of land or third-party guarantee.
Rate up to ₹3,00,000	1-year + Strategic Premium; about 9.00% p.a. on the reviewed 8.75% + 0.25% snapshot (illustration, not sanction quote).
Rate above ₹3,00,000 and below ₹25,00,000	1-year + + 1.25%; about 10.25% p.a. on the reviewed benchmark snapshot (illustration).
Rate ₹25,00,000 and above; 3–5 years	1-year + + 2.10%; about 11.10% p.a. on the reviewed benchmark snapshot (illustration). The central A.1.3 borrower-scope footnote must be considered.
Rate ₹25,00,000 and above; above 5–7 years	1-year + + 2.15%; about 11.15% p.a. on the reviewed benchmark snapshot (illustration). The central A.1.3 borrower-scope footnote must be considered.
Rate-band term conditions	The product page does not add a tenor qualifier to the amount-based formulas below ₹25,00,000. The ₹25,00,000-and-above rates are separately stated for 3–5 years and above 5–7 years; the product page shows no corresponding 8–9-year rate.
Benchmark snapshot	1-year 8.75% p.a. effective 12 September 2026; displayed Strategic Premium 0.25% with no separate effective date shown. Arithmetic figures above are illustrations only.
Processing up to ₹3,00,000 aggregate agriculture exposure	Nil.
Processing above ₹3,00,000 aggregate agriculture exposure	1% of sanctioned limit, maximum ₹1,00,00,000.
Inspection charge	Up to ₹3,00,000: nil; above ₹3,00,000 to ₹10,00,000: ₹250; above ₹10,00,000 to ₹1,00,00,000: ₹1,000; above ₹1,00,00,000: ₹5,000.
Documents	documents, passport-size photo, land records; quotation/invoice, project report and IT returns if available.
Project permissions and equipment	Tubewell feasibility certificate; Collector/appropriate-authority permission for river lift; BIS-specification equipment undertaking; groundwater suitability/demarcation for well digging/deepening, as applicable.
Area condition	Well digging only in irrigation-suitable areas identified by the Groundwater Directorate; well deepening only in areas demarcated as suitable by the State Groundwater Directorate.

The product page's ₹25-lakh-and-above rate bands are transcribed as published, while the central Farm Credit A.1.3 footnote limits the corresponding central-tariff pricing to corporate farmers, /, partnerships and farmer co-operatives directly engaged in agriculture/allied activity, up to ₹2 crore aggregate per borrower. The product page does not resolve how this scope applies to all of its named customers. The no-tenor-qualifier amount bands below ₹25 lakh are not extended beyond the wording printed on the page.
General age/co-borrower statements come from the bank-wide Rural & Agri and should not be mistaken for a scheme-specific clause.

Financing Irrigation — current official product page · HTML lines 144–201; cross-referenced current agriculture catalogue, Rural & Agri , Farm Credit tariff A.1, and Strategic Premium · accessed 28 Sept 2026Open official source ↗

Financing Irrigation

What the official sources publish

Benefits and features

Eligibility

Documents the bank lists

Related official documents

Try the numbers

Loan repayment estimate

Find the exact published value

Complete rates, limits and schedules

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