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Gold Plus

Gold-backed revolving cash credit for owner-cultivators, assessed on District Level Technical Committee scale of finance up to ₹25 lakh.

Interest rate1-year MCLR + applicable spread; the shared agri rate card does not publish the KCC Gold Plus spreadMaximum amount₹25 lakh.TenureRevolving cash-credit limit; no fixed month/ year maximum is published, and cash generated must be routed through the account.
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Quick eligibility check

Gold Plus

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: the product is for individual owner-cultivator farmers assessed on DLTC scale of finance?

Published source: Minimum income

2Are you this type of customer: Individual farmer who is an owner cultivator?

Published source: Eligibility

3Do you meet this product condition: quantum follows the District Level Technical Committee scale of finance and gold security applies under the jewel-loan structure?

Published source: Eligibility

4Do you meet this requirement: The official page limits eligibility to individual farmers who are owner cultivators?

5Do you meet this requirement: Quantum follows the DLTC scale of finance?

6Document checkDo you have this required document or proof: Duly filled application form?

Published source: Required documents

7Document checkDo you have this required document or proof: Land documents?

Published source: Required documents

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

Published source: Required documents

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

Published source: Required documents
0 of 9 answeredAnswer the remaining questions to see your checklist result.
✓ Manually checked 31 Aug 2026 · active
Offered byIndian Bank

India

Key facts

What the official sources publish

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

Loan typeRevolving cash-credit limit for short-term crop cultivation.View source
The official page lists cash credit and a revolving limit.
Source
Gold Plus
Page / section
Purpose; Type Of Facility; Repayment
Accessed
31 Aug 2026
Confidence
high
Open official source ↗
Interest rate1-year MCLR + applicable spread; the shared agri rate card does not publish the KCC Gold Plus spreadEffective 8 May 2025View source
Gold Plus, Marine Gold Plus — limits up to Rs.25.00 Lakh: 1 year + applicable spread; no numeric spread is printed.
Source
Interest Rate for Agri Products and Interest Rate Range
Page / section
Page 1 table — Gold Plus
Accessed
10 Sept 2026
Confidence
high
Open official source ↗
BenchmarkMCLR is referenced, but no numeric spread is printed.View source
The page footnote says rate is available on the home page.
Source
Gold Plus benchmark review
Page / section
Rate Of Interest
Accessed
31 Aug 2026
Confidence
high
Open official source ↗
Minimum incomeNo income threshold is published; the product is for individual owner-cultivator farmers assessed on DLTC scale of finance.View source
The official page defines owner-cultivator status and DLTC assessment instead of income.
Source
Gold Plus eligibility review
Page / section
Eligibility; Quantum
Accessed
31 Aug 2026
Confidence
high
Open official source ↗
Maximum amount₹25 lakh.View source
The official page states maximum ₹25.00 lakh.
Source
Gold Plus quantum
Page / section
Quantum Of Finance
Accessed
31 Aug 2026
Confidence
high
Open official source ↗
TenureRevolving cash-credit limit; no fixed month/ year maximum is published, and cash generated must be routed through the account.View source
The official page states revolving cash credit and cash routing but no fixed tenor.
Source
Gold Plus repayment
Page / section
Repayment
Accessed
31 Aug 2026
Confidence
high
Open official source ↗
Processing feeFor agricultural jewel loans, up to ₹50,000: nil; above ₹50,000: 0.20% of loan amount with minimum ₹200. The official PDF footnote specifically applies 0.20% to KCC Gold Plus and KCC Marine Gold limits above ₹3 lakh; charges are exclusive of GST.View source
The three-page official fee publishes the jewel-loan bands and says 0.20% applies to Gold Plus above ₹3 lakh.
Source
Service Charges — Agriculture Products
Page / section
Page 1, f. Jewel Loan under Agriculture; footnote
Accessed
31 Aug 2026
Confidence
high
Open official source ↗
EligibilityIndividual farmer who is an owner cultivator; quantum follows the District Level Technical Committee scale of finance and gold security applies under the jewel-loan structure.View source
The official page explicitly states individual owner cultivator and DLTC basis.
Source
Gold Plus eligibility
Page / section
Eligibility; Quantum Of Finance
Accessed
31 Aug 2026
Confidence
high
Open official source ↗
Required documentsApplication form, land documents, identity proof, address proof and gold pledge/cash-credit records.View source
The official page lists application, land, identity and address documents.
Source
Gold Plus documentation
Page / section
Documents Required
Accessed
31 Aug 2026
Confidence
high
Open official source ↗
Geographic limitsIndividual farmer who is an owner cultivator; quantum follows the District Level Technical Committee scale of finance and gold security applies under the jewel-loan structure.View source
The manually reviewed product record states: “Individual farmer who is an owner cultivator; quantum follows the District Level Technical Committee scale of finance and gold security applies under the jewel-loan structure.”.
Source
Gold Plus — official product page
Page / section
Published product metadata
Accessed
31 Aug 2026
Confidence
high
Open official source ↗

Benefits and features

  • Maximum ₹25 lakh
  • Revolving cash-credit limit
  • Owner-cultivator eligibility
  • /lending-rate reference
  • Gold-loan service charge identified in the official agriculture fee

Eligibility

  • The official page limits eligibility to individual farmers who are owner cultivators.
  • Quantum follows the DLTC scale of finance; all cash generated must be routed through the cash-credit account.

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

Documents the bank lists

  • Duly filled application form
  • Land documents
  • Identity proof
  • Address proof
  • Gold pledge and cash-credit records

Related official documents

Interest Rate for Agri Products and Interest Rate Rangeofficial-pdf · current-linked-rate-card · accessed 10 Sept 2026
↗
Service Charges — Agriculture Products — Indian Bankofficial-fee-schedule · current · accessed 31 Aug 2026
↗
Benchmark Lending Rates wef 03.09.2026official-pdf · current · accessed 10 Sept 2026
↗
KCC Gold Plus — Indian Bankofficial-product-page · current · accessed 31 Aug 2026
↗

Plan before applying

Try the numbers

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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₹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.

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.

Eligibility · Published detailIndividual owner-cultivator farmer.

This value is copied from Gold Plus — published terms. Check the table notes before relying on it.

Source: Gold Plus and agriculture service-charge · Complete product criteria; fee pages 1–3 Open official source ↗

Published tables

Complete rates, limits and schedules

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

Table 1 · 7 rows · 2 columnsKCC Gold Plus — published termsCurrent Indian Bank owner-cultivator gold-backed KCC terms and fee evidence.View tableHide table

Scroll sideways to view every column

KCC Gold Plus — published terms
ParameterPublished detail
EligibilityIndividual owner-cultivator farmer.
Facility/purposeRevolving cash credit for short-term crop cultivation; route all cash generated through account.
QuantumDLTC scale of finance; maximum ₹25 lakh.
RateRefer Lending Rates; reference on page.
Processing feeAgriculture jewel-loan schedule: up to ₹50,000 nil; above 0.20% with minimum ₹200; footnote applies 0.20% to Gold Plus above ₹3 lakh, exclusive of .
DocumentsApplication, land, identity and address proof; gold pledge records.
PrepaymentNo separate charge published.
Gold Plus and agriculture service-charge · Complete product criteria; fee pages 1–3 · accessed 31 Aug 2026Open official source ↗
Table 2 · 34 rows · 2 columnsInterest Rate for Agri ProductsView tableHide table

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Interest Rate for Agri Products
Product or amount bandInterest Rate / Range
Kisan Credit Card — up to ₹3 lakh; Animal Husbandry/Fisheries up to ₹2 lakh within overall ₹3 lakh7%
Kisan Credit Card — up to ₹3 lakh 1-year + 2.50%
Kisan Credit Card — above ₹3 lakh to ₹10 lakh 1-year + 2.75%
Kisan Credit Card — above ₹10 lakh and below ₹100 lakh 1-year + 3.00%
Animal Husbandry/Fisheries above ₹2 lakhCard rate linked to applies
Working Capital and Term Loan — up to ₹3 lakh 1-year + 2.50%
Working Capital and Term Loan — above ₹3 lakh to ₹10 lakh 1-year + 2.75%
Working Capital and Term Loan — above ₹10 lakh and below ₹100 lakh 1-year + 3.00%
Working Capital and Term Loan — ₹100 lakh and aboveBased on internal rating
IB Kisan Mitra Producers Loan — below ₹1 crore 1-year + 1.00%
IB Kisan Mitra Producers Loan — above ₹1 croreBased on internal rating
NRLM term loan/cash credit — balance up to ₹3 lakh7%
NRLM term loan/cash credit — above ₹3 lakh to ₹5 lakh1-year
NRLM term loan/cash credit — above ₹5 lakh1-year + applicable spread
Joint Liability Groups — term loan and working capital1-year + applicable spread
Agri Jewel Loan — limits up to ₹35 lakh1-year + applicable spread
Gold Plus / Marine Gold Plus — limits up to ₹25 lakh1-year + applicable spread
Food and Agro Processing — up to ₹2 lakh 1-year + 1.35%
Food and Agro Processing — above ₹2 lakh to ₹10 lakh 1-year + 2.00%
Food and Agro Processing — above ₹10 lakh to ₹100 lakh 1-year + 2.40%
Food and Agro Processing — above ₹100 lakh; accounts with coverage up to ₹2 croreBased on internal rating
IB Star Agro Mills — limits below ₹1 crore 1-year + 1.60%
IB Star Agro Mills — limits ₹1 crore and aboveBased on internal rating
IND Kisan Saur Shakti (-KUSUM) — up to ₹25 lakh 1-year + 1.65%
IND Kisan Saur Shakti (-KUSUM) — above ₹25 lakh to ₹1 crore 1-year + 1.90%
IND Kisan Saur Shakti (-KUSUM) — above ₹1 croreBased on internal rating
IND Krishi Infra Fund 1-year + 1.00%, subject to maximum 9.00%
IND Pashudhan Mitra () — accounts within ceilingsRepo + 4.70%
IND Pashudhan Mitra () — accounts outside ceilingsBased on internal rating
IND Micro Food Processing Enterprises (PMFME) — up to ₹2 lakh 1-year + 1.90%
IND Micro Food Processing Enterprises (PMFME) — above ₹2 lakh to ₹10 lakh 1-year + 1.90%
IND Micro Food Processing Enterprises (PMFME) — above ₹10 lakh and below ₹1 crore 1-year + 1.90%
IND Micro Food Processing Enterprises (PMFME) — above ₹1 crore; coverage up to ₹2 croreBased on internal rating
IND Krishi Vaahan12.00% fixed
  • The states these are general card rates; state, scheme, product and rating-specific rates may differ. Animal Husbandry/Fisheries above ₹2 lakh uses the -linked card rate.
Interest Rate for Agri Products and Interest Rate Range · Pages 1–2 · accessed 10 Sept 2026Open official source ↗
Table 3 · 4 rows · 5 columnsInterest Rate Range of Agricultural Loans Contracted/Sanctioned during Previous Quarter (March 2026)View tableHide table

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Interest Rate Range of Agricultural Loans Contracted/Sanctioned during Previous Quarter (March 2026)
Sl. No.SegmentMinimum (%)Maximum (%)Mean (%)
1Jewel Loan8.758.808.75
27.0011.7511.27
37.0013.759.58
4Investment Credit7.2515.209.08
  • This is a historical contracted/sanctioned range for March 2026, not a guaranteed quote for a new applicant.
Interest Rate for Agri Products and Interest Rate Range · Page 2 — Interest Rate Range · accessed 10 Sept 2026Open official source ↗
Table 4 · 13 rows · 4 columnsBenchmark rates effective 03.09.2026View tableHide table

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Benchmark rates effective 03.09.2026
Benchmark groupTenor / benchmarkExisting rate (%)Revised/current rate (%)
Overnight7.907.90
1 month8.208.20
3 months8.508.50
6 months8.758.75
1 year8.858.85
TBLR≤3 months5.305.25
TBLR>3 months and ≤6 months5.505.55
TBLR>6 months and ≤1 year5.655.70
TBLR>1 year and ≤3 years5.655.70
Base RateBase Rate9.55
Benchmark Prime Lending Rate13.80
Repo-linkedPolicy Repo Rate5.25
Repo-linkedRBLR7.95
  • The says the benchmark rates apply from 03.09.2026 until the next review. The current indicative all-in rates in the product facts are transparent arithmetic, not issuer quotes.
Benchmark Lending Rates wef 03.09.2026 · Page 1 — , TBLR, Base Rate, and repo-linked benchmarks · accessed 10 Sept 2026Open official source ↗

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