Key facts
What the official sources publish
Every value belongs to this exact product. Expand any fact to inspect its official evidence in place.
Farm-development activitiesDemand or term loans for land reclamation and soil improvement, on-farm development, soil/water conservation, land clearance, levelling, bunding, terracing, contour works, drains, roads, saline/alkaline/ravine reclamation and fencing.View source
The official feature section lists the farm-development works.
- Source
- Scheme for Financing Farm Development Activities
- Page / section
- Features
- Accessed
- 23 Aug 2026
- Confidence
- high
Eligible borrowers and relationshipIndividual farmers, SHGs, JLGs, farmer proprietorships, landless labourers, tenant farmers, oral lessees, sharecroppers, corporate farmers, FPO/
The official eligibility and publish borrower categories, lease duration and relationship requirement.
- Source
- Scheme for Financing Farm Development Activities
- Page / section
- Eligibility Criteria / — Banking relationship
- Accessed
- 23 Aug 2026
- Confidence
- high
Loan amountNo minimum ceiling; maximum ₹2 crore.View source
The official benefits and publish the no-minimum and ₹2 crore maximum.
- Source
- Scheme for Financing Farm Development Activities
- Page / section
- Benefits / — Quantum
- Accessed
- 23 Aug 2026
- Confidence
- high
AgeApplicant minimum 21 years, co-applicant minimum 18 years and maximum applicant age 70 years; above 60, a legal heir aged 21–50 must be co-applicant.View source
The official publishes applicant, co-applicant and legal-heir age rules.
- Source
- Scheme for Financing Farm Development Activities
- Page / section
- — Age criteria
- Accessed
- 23 Aug 2026
- Confidence
- high
MarginNil up to ₹1 lakh; 10% above ₹1 lakh to ₹3 lakh; 15% above ₹3 lakh.View source
The official publishes the three margin bands.
- Source
- Scheme for Financing Farm Development Activities
- Page / section
- — Margin
- Accessed
- 23 Aug 2026
- Confidence
- high
Repayment and holidaySmall/
The official publishes borrower-specific repayment and moratorium ceilings.
- Source
- Scheme for Financing Farm Development Activities
- Page / section
- — Repayment / Moratorium
- Accessed
- 23 Aug 2026
- Confidence
- high
SecurityUp to ₹1.60 lakh: hypothecation of crops, produce or assets created from finance. Above ₹1.60 lakh: mortgage, lien or charge on land and/
The official publishes the ₹1.60 lakh security break.
- Source
- Scheme for Financing Farm Development Activities
- Page / section
- — Security
- Accessed
- 23 Aug 2026
- Confidence
- high
Pricing and chargesUp to ₹3 lakh: one-year MCLR + SP; above ₹3 lakh and below ₹25 lakh: +1.25%; ₹25 lakh and above: +2.00%. Prepayment is nil. Processing is nil up to ₹3 lakh, then 1% capped at ₹1 crore; inspection is nil up to ₹3 lakh, then ₹250/
The official page publishes rate bands and nil prepayment/fee thresholds.
- Source
- Scheme for Financing Farm Development Activities
- Page / section
- Fees & Charges / — Rate
- Accessed
- 23 Aug 2026
- Confidence
- high
Turnover / vintageNo turnover threshold is published. Eligibility is based on the farmer, tenant, sharecropper, FPO/
The complete eligibility section gives borrower categories and a 10-year lease condition but no turnover number.
- Source
- Scheme for Financing Farm Development Activities
- Page / section
- Eligibility Criteria
- Accessed
- 30 Aug 2026
- Confidence
- high
Processing and inspection chargesPrepayment charges are nil. Processing is nil up to aggregate agriculture exposure of ₹3 lakh; above ₹3 lakh, 1% of sanctioned limit capped at ₹100 lakh. Inspection is nil up to ₹3 lakh, then ₹250 above ₹3 lakh to ₹10 lakh, ₹1,000 above ₹10 lakh to ₹1 crore and ₹5,000 above ₹1 crore.View source
The official fee section publishes prepayment, processing and inspection terms.
- Source
- Scheme for Financing Farm Development Activities
- Page / section
- Fees And Charges
- Accessed
- 30 Aug 2026
- Confidence
- high
DocumentsKYC documents such as Aadhaar, Voter ID, PAN Card or Driving Licence; passport-size photograph; quotation or invoice if available; land records; project report if available; and IT Returns if available.View source
The official document section lists six document groups and marks quotation, project report and as conditional where available.
- Source
- Scheme for Financing Farm Development Activities
- Page / section
- Document Required
- Accessed
- 30 Aug 2026
- Confidence
- high
Geographic limitsNo state, district or territorial restriction is published. The scheme is presented for farm-development activities through Bank of Baroda’s rural and agriculture channels.View source
The complete page lists farm activities and borrower groups but no territorial boundary.
- Source
- Scheme for Financing Farm Development Activities
- Page / section
- Complete page review
- Accessed
- 30 Aug 2026
- Confidence
- high
Customer typeFarmers, agricultural enterprises and eligible rural borrowersView source
The manually reviewed product record states: “Farmers, agricultural enterprises and eligible rural borrowers”.
- Source
- Scheme for Financing Farm Development Activities — official product page
- Page / section
- Published product metadata
- Accessed
- 15 Aug 2026
- Confidence
- high
Benefits and features
- Demand or term loans for land reclamation and soil improvement, on-farm development, soil/water conservation, land clearance, levelling, bunding, terracing, contour works, drains, roads, saline/alkaline/ravine reclamation and fencing.
Eligibility
- Individual farmers, , , farmer proprietorships, landless labourers, tenant farmers, oral lessees, sharecroppers, corporate farmers, /
, partnerships and farmer cooperatives. Leaseholders must generally have held the lease for at least 10 years - the borrower needs a satisfactory six-month banking relationship with Bank of Baroda.
Passing a listed condition does not mean the bank will approve an application.
Documents the bank lists
- documents (Aadhaar, Voter , Card, Driving Licence etc.)
- passport-size photo
- quotation/invoice (if available)
- land records
- project report (if available)
- IT Returns (if available)
Related official documents
Rural & Agri loan catalogue — Financing Irrigation entryofficial-product-catalogue · Targeted eligibility cross-check for Financing Irrigation · accessed 28 Sept 2026
↗Scheme for Financing Farm Development Activities — 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
↗Master Directions — Priority Sector Lending: Targets and Classification, 2025official-regulatory-direction · current targeted Farm Credit classification cross-check · accessed 28 Sept 2026
↗Reserve Bank of India (Priority Sector Lending – Targets and Classification) Second Amendment Directions, 2026official-regulatory-amendment · Targeted amendment-scope cross-check only · accessed 27 Sept 2026
↗Reserve Bank of India (Priority Sector Lending – Targets and Classification) Third Amendment Directions, 2026official-regulatory-amendment · Targeted amendment-scope cross-check only · accessed 27 Sept 2026
↗
