Business, & agriculture finance

Scheme for Purchase of Agriculture Land

Term finance for eligible small and marginal farmers, tenant/sharecropper farmers and women with land-ownership rights to purchase and develop agricultural, fallow or waste land. Loan quantum depends on land area, valuation and development cost.

Loan quantumDepends on the area of land to be purchased, its valuation and the cost of development.Interest ratePublished formula bands: up to ₹3 lakh (other than crop loan), 1-year MCLR + SP (about 9.00% p.a. on the reviewed benchmark snapshot); above ₹3 lakh and below ₹25 lakh, +1.25% (about 10.25%). The page states no tenor qualifier for these two amount bands. For ₹25 lakh and above it publishes +2.10% for 3–5 years (about 11.10%) and +2.15% above 5–7 years (about 11.15%). These are arithmetic illustrations using the bank's 8.75% one-year MCLR effective 12 September 2026 and displayed 0.25% Strategic Premium, not a sanction quote. The scheme allows 7–12-year repayment; for ₹25-lakh-and-above loans, the product page shows no rate row above 7 years. The central ₹25-lakh-and-above tariff footnote is limited to named corporate/FPO/partnership/co-operative farmer borrowers (up to ₹2 crore aggregate); its applicability to all borrowers listed on this scheme page is not established.Eligible borrower typeSmall and marginal farmers, sharecroppers/tenant farmers, and women with land-ownership rights.

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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 purposeTerm finance to purchase, develop and cultivate agricultural, fallow or waste land, including land purchase for diversification into allied activities.View source

The page says the facility finances purchase, development and cultivation of agricultural, fallow and waste land, including diversification into allied activities.

Source: Scheme for Purchase of Agriculture Land — Bank of Baroda
Page / section: Benefits / Features, HTML lines 143–153
Accessed: 28 Sept 2026
Confidence: high

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EligibilitySmall and marginal farmers; sharecroppers and tenant farmers; and women with land-ownership rights. Priority is given to distressed applicants, widows and SHG members.View source

The complete eligibility section names small and marginal farmers, sharecroppers/tenant farmers, and women with land-ownership rights; it gives priority to distress cases, widows and members.

Source: Scheme for Purchase of Agriculture Land — Bank of Baroda
Page / section: Eligibility Criteria, HTML lines 154–158
Accessed: 28 Sept 2026
Confidence: high

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Eligible borrower typeSmall and marginal farmers, sharecroppers/tenant farmers, and women with land-ownership rights.View source

Replaces a generic borrower label with the exact groups named by the current product page.

Source: Scheme for Purchase of Agriculture Land — Bank of Baroda
Page / section: Eligibility Criteria, HTML lines 154–158
Accessed: 28 Sept 2026
Confidence: high

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Loan quantumDepends on the area of land to be purchased, its valuation and the cost of development.View source

The page states that quantum depends on land area, valuation and development cost. No other assessment formula is inferred.

Source: Scheme for Purchase of Agriculture Land — Bank of Baroda
Page / section: Benefits / — Quantum of Loan, HTML lines 145–146 and 181–182
Accessed: 28 Sept 2026
Confidence: high

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MarginNo margin up to ₹50,000; a minimum 10% margin applies above ₹50,000.View source

The states no margin up to ₹50,000 and a minimum 10% margin for higher amounts.

Source: Scheme for Purchase of Agriculture Land — Bank of Baroda
Page / section: — Margin, HTML line 184
Accessed: 28 Sept 2026
Confidence: high

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Repayment period7 to 12 years in half-yearly or yearly instalments, including a maximum moratorium of 24 months.View source

The gives 7–12 years, half-yearly/yearly instalments, and a maximum 24-month moratorium.

Source: Scheme for Purchase of Agriculture Land — Bank of Baroda
Page / section: — Repayment Period, HTML line 185
Accessed: 28 Sept 2026
Confidence: high

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Collateral / securityThe land purchased with the bank loan is mortgaged in favour of Bank of Baroda and serves as security.View source

The says the land purchased out of the bank loan and mortgaged in favour of the bank will be the security.

Source: Scheme for Purchase of Agriculture Land — Bank of Baroda
Page / section: — Security, HTML line 186
Accessed: 28 Sept 2026
Confidence: high

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Processing and inspection chargesProcessing: nil up to ₹3,00,000 aggregate agriculture exposure; above ₹3,00,000, 1% of 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 publishes separate processing and inspection slabs. Tax treatment is not added because this page section does not state it.

Source: Scheme for Purchase of Agriculture Land — Bank of Baroda
Page / section: Fees & Charges, HTML lines 168–180
Accessed: 28 Sept 2026
Confidence: high

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Interest ratePublished formula bands: up to ₹3 lakh (other than crop loan), 1-year MCLR + SP (about 9.00% p.a. on the reviewed benchmark snapshot); above ₹3 lakh and below ₹25 lakh, +1.25% (about 10.25%). The page states no tenor qualifier for these two amount bands. For ₹25 lakh and above it publishes +2.10% for 3–5 years (about 11.10%) and +2.15% above 5–7 years (about 11.15%). These are arithmetic illustrations using the bank's 8.75% one-year MCLR effective 12 September 2026 and displayed 0.25% Strategic Premium, not a sanction quote. The scheme allows 7–12-year repayment; for ₹25-lakh-and-above loans, the product page shows no rate row above 7 years. The central ₹25-lakh-and-above tariff footnote is limited to named corporate/FPO/partnership/co-operative farmer borrowers (up to ₹2 crore aggregate); its applicability to all borrowers listed on this scheme page is not established.View source

The product page publishes amount-based formulas without tenor qualifiers for limits below ₹25 lakh, separate ₹25-lakh-and-above rows for 3–5 and above-5–7 years, and a 7–12-year repayment period. The bank's current benchmark pages show 1-year 8.75% effective 12 September 2026 and current displayed Strategic Premium 0.25%; the percentages in this fact are arithmetic illustrations, not quoted sanction rates. The central tariff publishes longer A.1.3 rows but its footnote names a narrower borrower class and a ₹2 crore aggregate cap, so no above-7-year rate for the ≥₹25-lakh tier or universal high-limit applicability is inferred.

Source: Scheme for Purchase of Agriculture Land — Bank of Baroda
Page / section: — Rate of Interest; Bank of Baroda Priority Sector tariff A.1.3 and borrower-scope footnote; current and Strategic Premium references
Accessed: 28 Sept 2026
Confidence: high

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DocumentsScheme page: KYC documents (Aadhaar, Voter ID, PAN, Driving Licence, etc.), passport-size photo, land records and a complete project report; quotation/invoice and IT returns if available. The shared agricultural-term-loan form's indicative checklist also lists self-attested photo ID, recent address proof (for example, a phone/electricity bill or property-tax receipt no more than 2 months old), 2 applicant photos no more than 6 months old and land-record details. The form says the bank may add or remove checklist items; confirm the final list for this scheme with the branch.View source

The product page lists , photo, quotation/invoice if available, land records, IT returns if available and a complete project report. The shared form explicitly covers agricultural term loans and provides an indicative checklist; it states that the bank may add or remove checklist items. The form's general checklist is not promoted as a land-purchase-specific mandatory standard.

Source: Scheme for Purchase of Agriculture Land — Bank of Baroda
Page / section: Product page — Document Required; general Agricultural Credit Application Form pp.1 and 6
Accessed: 28 Sept 2026
Confidence: high

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Benefits and features

Term finance to purchase, develop and cultivate agricultural, fallow or waste land, including diversification into allied activities and income enhancement for small and marginal farmers.

Eligibility

Small and marginal farmers, sharecroppers/tenant farmers, and women with land-ownership rights.
Priority is given to distressed applicants, widows and members.

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
IT Returns (if available)
complete project report

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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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Parameter

Eligible customers · Published detailSmall and marginal farmers; sharecroppers/tenant farmers; women with land-ownership rights. Priority is given to distressed applicants, widows and members.

This value is copied from Purchase of Agriculture Land — current published terms. Check the table notes before relying on it.

Source: Scheme for Purchase of Agriculture Land — current official product page · HTML lines 143–194: Benefits, Features, Eligibility, Documents, Fees and Open official source ↗

Published tables

Complete rates, limits and schedules

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

Table 1 · 18 rows · 2 columnsPurchase of Agriculture Land — current published termsCurrent eligibility, loan-quantum basis, repayment, security, rate formulas, charges and documents.View tableHide table

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Purchase of Agriculture Land — current published terms
Parameter	Published detail
Eligible customers	Small and marginal farmers; sharecroppers/tenant farmers; women with land-ownership rights. Priority is given to distressed applicants, widows and members.
Purpose	Purchase, development and cultivation of agricultural, fallow or waste land; land purchase may support diversification into allied activities.
Quantum	Depends on the area of land to be purchased, its valuation and the cost of development.
Facility	Term loan.
Margin up to ₹50,000	No margin stipulated.
Margin above ₹50,000	Minimum 10%.
Repayment	7–12 years in half-yearly/yearly instalments; maximum 24-month moratorium.
Security	The land purchased out of the bank loan, mortgaged in favour of the bank.
Rate up to ₹3,00,000	Other than crop loan: 1-year + ; the page prints no tenor qualifier for this amount band. About 9.00% p.a. on the reviewed benchmark snapshot (illustration, not sanction quote).
Rate above ₹3,00,000 and below ₹25,00,000	1-year + + 1.25%; the page prints no tenor qualifier for this amount band. 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). Central A.1.3 borrower-scope footnote applies to the matching central-tariff pricing.
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). Central A.1.3 borrower-scope footnote applies to the matching central-tariff pricing.
Rate for ₹25,00,000-and-above loans beyond 7 years	The product page permits repayment up to 12 years but shows no rate row above 7 years for this high-limit tier. Central A.1.3 has longer rows, but its named-borrower-class and ₹2-crore aggregate-limit footnote is not established for every applicant on this scheme page.
Processing	Nil up to ₹3,00,000 aggregate agriculture exposure; above ₹3,00,000, 1% of 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.
Documents	documents, passport-size photo, land records and complete project report; quotation/invoice and IT returns if available.
Current benchmark snapshot	1-year 8.75% p.a. effective 12 September 2026; displayed 0.25% with no separate effective date shown. Numeric rates above are arithmetic illustrations only.
Rate-band term note	The product page does not state a tenor qualifier for the amount-based formulas below ₹25,00,000; only the ₹25,00,000-and-above rows are expressly divided by term.

The central A.1.3 footnote limits the matching ₹25-lakh-and-above 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 land-purchase page does not clarify whether every individual or tenant applicant falls within that class.
No extra high-limit interest rate is inferred beyond 7 years. This gap concerns the ₹25-lakh-and-above tenor-priced tier; the page's below-₹25-lakh amount formulas have no tenor qualifier printed.

Scheme for Purchase of Agriculture Land — current official product page · HTML lines 143–194: Benefits, Features, Eligibility, Documents, Fees and · accessed 28 Sept 2026Open official source ↗

Scheme for Purchase of Agriculture Land

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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