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Horticulture Loan Scheme

Horticulture Loan: Get fund for development & maintenance of orchards, gardens, plantations & nurseries. Compare & Choose the best horticulture loan interest rates now!

Facility amountThe page does not publish a universal minimum or maximum loan amount. It instead states that capital and maintenance costs are financed, with margin and pricing determined by facility type and limit bands.Pricing bandsUp to ₹3 lakh: one-year MCLR + SP. Above ₹3 lakh and below ₹25 lakh: one-year MCLR + SP +1.25%. ₹25 lakh and above: +2.00% for under-three-year CC/OD/DL, +2.10% for 3–5 years and +2.15% above 5–7 years.Customer typeFarmers, agricultural enterprises and eligible rural borrowers
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Quick eligibility check

Horticulture Loan Scheme

0 of 9 answered

Answer what you know. This guide compares your answers with the criteria published for this product; it is not an approval decision. Your answers stay on this device.

1Do you meet this requirement: Owners, permanent tenants or long-term leaseholders raising fruit gardens, plantations or nursery crops?

Published source: Eligible horticulture borrowers

2Do you meet this requirement: also farmers, SHGs, JLGs, proprietorships, partnerships, LLPs and private/public limited companies?

Published source: Eligible horticulture borrowers

3Do you meet this requirement: land record?

Published source: Required documents

4Do you meet this requirement: quotation or invoice (if available)?

Published source: Required documents

5Do you meet this requirement: project report (if available)?

Published source: Required documents

6Document checkDo you have this required document or proof: Aadhaar?

Published source: Required documents

7Document checkDo you have this required document or proof: voter ID?

Published source: Required documents

8Document checkDo you have this required document or proof: PAN card?

Published source: Required documents

9Document checkDo you have this required document or proof: driving licence?

Published source: Required documents
0 of 9 answeredAnswer the remaining questions to see your checklist result.
✓ Manually checked 30 Aug 2026 · active
Horticulture Loan Scheme official banner
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.

Horticulture usesEstablishing new orchards, gardens, plantations and nurseries, or maintaining existing ones; finances machinery, processing houses, plants, seedlings, grafts, fertilisers, pesticides and permanent-worker wages.View source
The official features section lists capital and maintenance horticulture uses.
Source
Horticulture Loan Scheme
Page / section
Features
Accessed
23 Aug 2026
Confidence
high
Open official source ↗
Eligible horticulture borrowersOwners, permanent tenants or long-term leaseholders raising fruit gardens, plantations or nursery crops; also farmers, SHGs, JLGs, proprietorships, partnerships, LLPs and private/public limited companies.View source
The official eligibility section publishes land-status and borrower categories.
Source
Horticulture Loan Scheme
Page / section
Benefits / Eligibility Criteria
Accessed
23 Aug 2026
Confidence
high
Open official source ↗
MarginShort-term/crop loans up to ₹1 lakh: nil; above ₹1 lakh: 15%. Term loans up to ₹1 lakh: nil; above ₹1 lakh: 15% for other loans, while tractor/heavy machinery follows its special scheme (10% or prescribed rate).View source
The official margin table publishes short-term, term-loan and tractor/machinery bands.
Source
Horticulture Loan Scheme
Page / section
— Margin Norms
Accessed
23 Aug 2026
Confidence
high
Open official source ↗
RepaymentTerm loan up to 5–7 years excluding moratorium; cash credit 12 months subject to annual review.View source
The official repayment section publishes term-loan and cash-credit periods.
Source
Horticulture Loan Scheme
Page / section
— Repayment Period
Accessed
23 Aug 2026
Confidence
high
Open official source ↗
Pricing bandsUp to ₹3 lakh: one-year MCLR + SP. Above ₹3 lakh and below ₹25 lakh: one-year MCLR + SP +1.25%. ₹25 lakh and above: +2.00% for under-three-year CC/OD/DL, +2.10% for 3–5 years and +2.15% above 5–7 years.View source
The official rate table publishes limit and tenor-linked spreads.
Source
Horticulture Loan Scheme
Page / section
— Interest Rate
Accessed
23 Aug 2026
Confidence
high
Open official source ↗
Processing and inspectionProcessing nil up to ₹3 lakh; above ₹3 lakh, 1% of sanctioned limit capped at ₹1 crore. Inspection nil up to ₹3 lakh, then ₹250 up to ₹10 lakh, ₹1,000 up to ₹1 crore and ₹5,000 above ₹1 crore. NHB subsidy may be available under the commercial horticulture programme.View source
The official page publishes fee slabs and subsidy availability.
Source
Horticulture Loan Scheme
Page / section
Benefits / Fees & Charges
Accessed
23 Aug 2026
Confidence
high
Open official source ↗
Processing feeProcessing is waived for aggregate agriculture exposure up to ₹3 lakh. Above ₹3 lakh, the term/demand loan processing charge is 1% of the sanctioned limit, capped at ₹100 lakh.View source
The official processing-charge section publishes waiver up to ₹3 lakh and 1% above that with a ₹100 lakh cap.
Source
Horticulture Loan Scheme
Page / section
Fees & Charges — Processing charges
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
Turnover / vintage requirementThe page requires the applicant to be engaged in raising fruit gardens, plantations or nursery crops as an owner, permanent tenant or long-term leaseholder. No numeric turnover, income or business-vintage threshold is published.View source
The eligibility section specifies horticulture activity and land status but publishes no turnover or vintage number.
Source
Horticulture Loan Scheme
Page / section
Eligibility Criteria; Complete page reviewed
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
Facility amountThe page does not publish a universal minimum or maximum loan amount. It instead states that capital and maintenance costs are financed, with margin and pricing determined by facility type and limit bands.View source
The official page lists financed cost categories and limit bands for margins/rates but no overall loan ceiling.
Source
Horticulture Loan Scheme
Page / section
Features; — Nature of Facility and Margin Norms
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
SecurityUp to ₹1.60 lakh: D.P. Note and hypothecation of crops. Above ₹1.60 lakh: D.P. Note, hypothecation of crops and mortgage of land or third-party guarantee, etc.View source
The security table distinguishes limits up to and above ₹1.60 lakh and lists the required instruments/security.
Source
Horticulture Loan Scheme
Page / section
— Security Norms
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
Required documentsKYC documents such as Aadhaar, voter ID, PAN card or driving licence; passport-size photograph; land record; quotation or invoice (if available); project report (if available); and income-tax returns (if available).View source
The page lists , photo and land record, and marks quotation/invoice, project report and IT returns as if available.
Source
Horticulture Loan Scheme
Page / section
Document Required
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
Geographic limitsThe official page is for horticulture borrowers in India and publishes no state, district or branch-territory restriction. Eligibility turns on the horticulture activity and ownership, tenancy or long-term lease of the land.View source
The page names eligible land statuses and rural-agri use but gives no narrower territorial restriction.
Source
Horticulture Loan Scheme
Page / section
Benefits; Eligibility Criteria; Complete page reviewed
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
Customer typeFarmers, agricultural enterprises and eligible rural borrowersView source
The manually reviewed product record states: “Farmers, agricultural enterprises and eligible rural borrowers”.
Source
Horticulture Loan Scheme — official product page
Page / section
Published product metadata
Accessed
15 Aug 2026
Confidence
high
Open official source ↗

Benefits and features

  • Establishing new orchards, gardens, plantations and nurseries, or maintaining existing ones
  • finances machinery, processing houses, plants, seedlings, grafts, fertilisers, pesticides and permanent-worker wages.

Eligibility

  • Owners, permanent tenants or long-term leaseholders raising fruit gardens, plantations or nursery crops
  • also farmers, , , proprietorships, partnerships, and private/public limited companies.

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

Documents the bank lists

  • Aadhaar
  • voter
  • card
  • driving licence

Related official documents

Rural & Agri loan catalogue — Financing Irrigation entryofficial-product-catalogue · Targeted eligibility cross-check for Financing Irrigation · accessed 28 Sept 2026
↗
Horticulture Loan Scheme — current official product pageofficial-product-page · Current rate/applicability checked; full product review remains open · accessed 27 Sept 2026
↗
Horticulture Loan Scheme — Bank of Baroda official product pageofficial-product-page · current · accessed 30 Aug 2026
↗
Priority Sector Loans Interest Rates — Farm Credit A.1 schedule and scope footnoteofficial-interest-rate-page · Targeted current A.1 comparison; product-page rate rows remain primary and tariff scope is explicitly qualified · accessed 28 Sept 2026
↗

Plan before applying

Try the numbers

Private, instant and based on the values you enter.

Try your numbers

Loan repayment estimate

See what the loan could cost each month. Move any slider to try a different amount, rate or repayment time.

One monthly payment₹12,647twelve thousand six hundred forty-seven rupees
Interest paid over the full loan₹5,35,300five lakh thirty-five thousand three hundred rupees
Everything you repay₹30,35,300thirty lakh thirty-five thousand three hundred 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.

Use the published table

Find the exact published value

Choose a table, then pick its row and column. This shows the exact entry published by the bank or insurer without making you scan every cell.

Purpose · Published detailEstablish new or maintain existing orchards, gardens, plantations and nurseries

This value is copied from Horticulture Loan Scheme — complete published terms. Check the table notes before relying on it.

Source: Horticulture Loan Scheme · Benefits; Features; Eligibility; Document Required; Fees & Charges; Open official source ↗

Published tables

Complete rates, limits and schedules

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

Table 1 · 26 rows · 2 columnsHorticulture Loan Scheme — complete published termsStructured capture of all material horticulture purpose, borrower, facility, margin, repayment, security, rate, fee, documents, subsidy and availability details from the official page.View tableHide table

Scroll sideways to view every column

Horticulture Loan Scheme — complete published terms
TermPublished detail
PurposeEstablish new or maintain existing orchards, gardens, plantations and nurseries
Financed capital costsMachinery, processing houses and other development costs
Financed maintenancePlants, seedlings, grafts, fertilisers, insecticides, pesticides, wages and salaries of permanent workers
Eligible borrowersFarmers, permanent tenants, leaseholders, , , proprietorships, partnerships, , private and public limited companies
Land/activity conditionApplicant raises fruit gardens, plantations or nursery crops as owner, permanent tenant or long-term leaseholder
Short-term/crop margin up to ₹1 lakhNil
Short-term/crop margin above ₹1 lakh15%
Term-loan margin up to ₹1 lakhNil
Term-loan margin above ₹1 lakh15% for other loans; tractor/heavy machinery 10% or special-scheme requirement
FacilityTerm loan for capital expenditure; cash credit for working capital
RepaymentTerm loan 5–7 years excluding moratorium; cash credit 12 months subject to annual review
Security up to ₹1.60 lakhD.P. Note and hypothecation of crops
Security above ₹1.60 lakhD.P. Note, hypothecation of crops, mortgage of land or third-party guarantee
Rate up to ₹3 lakhOne-year + (other than crop loan)
Rate above ₹3 lakh and below ₹25 lakhOne-year + + 1.25%
Rate ₹25 lakh and above, under 3 yearsOne-year + + 2.00% for CC//DL
Rate 3–5 yearsOne-year + + 2.10%
Rate above 5–7 yearsOne-year + + 2.15%
Processing charge up to ₹3 lakhNil
Processing charge above ₹3 lakh1% of sanctioned limit, maximum ₹1 crore
Inspection chargeUp to ₹3 lakh nil; above ₹3 lakh to ₹10 lakh ₹250; above ₹10 lakh to ₹1 crore ₹1,000; above ₹1 crore ₹5,000
Documents; passport photo; land record; quotation/invoice, project report and IT returns if available
supportSubsidy may be available under National Horticulture Board commercial-horticulture programme
Facility amountNo universal minimum or maximum published
Turnover/vintageNo numeric turnover or business-vintage threshold published
GeographyNo state, district or branch-territory restriction published
  • The page provides limit bands for margins and pricing but does not set an overall loan ceiling.
  • Fee and inspection slabs are stated in the page's Fees & Charges section and are captured verbatim in structured form.
Horticulture Loan Scheme · Benefits; Features; Eligibility; Document Required; Fees & Charges; · accessed 30 Aug 2026Open official source ↗

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