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Kotak Mahindra Bank Crop Loan

Agriculture finance with Kisan Credit Card working capital and term-loan options. The published sheet lists a maximum of ₹5 crore, crop-based repayment timing and collateral conditions; borrower-specific sanction and pricing apply.

Maximum financeMaximum ₹5 crore. KCC exposure is on an individual/family basis; first-time borrowers are capped at ₹25 lakh.Rate basis and ceilingMinimum: prevailing MCLR or reference rate; maximum: 24%.Eligible customer typeFarmers; KCC eligibility specifically includes individual and joint owner-cultivators.
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Quick eligibility check

Kotak Mahindra Bank Crop Loan

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: Farmers?

Published source: Eligible customer type

2Do you meet this requirement: KCC eligibility specifically includes individual and joint owner-cultivators?

Published source: Eligible customer type

3Do you meet this requirement: Application form?

Published source: Documents to prepare

4Do you meet this requirement: land-ownership and crop records?

Published source: Documents to prepare

5Do you meet this requirement: existing-loan and repayment-track details?

Published source: Documents to prepare

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

Published source: Documents to prepare

7Document checkDo you have at least one of these required documents: Identity proof: examples listed include voter ID, PAN, passport, Aadhaar or driving licence?

Published source: Documents to prepare

8Document checkDo you have at least one of these required documents: Address proof: examples listed include voter ID, passport, Aadhaar or driving licence?

Published source: Documents to prepare

9Document checkDo you have this required document or proof: Land-ownership records and records of crops grown?

Published source: Documents to prepare
0 of 9 answeredAnswer the remaining questions to see your checklist result.
✓ Manually checked 1 Oct 2026 · active
Offered byKotak Mahindra Bank

See the official bank source for geographic availability.

Key facts

What the official sources publish

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

Eligible customer typeFarmers; KCC eligibility specifically includes individual and joint owner-cultivators.View source
The official eligibility list names all farmers who are individual or joint owner-cultivators.
Source
Crop Loan — Eligibility Criteria
Page / section
eligibility list
Accessed
1 Oct 2026
Confidence
high
Open official source ↗
Maximum financeMaximum ₹5 crore. KCC exposure is on an individual/family basis; first-time borrowers are capped at ₹25 lakh.View source
The one-page bank sheet states a maximum of 500 lakh, and separately says exposure is individual/family-based with first-time borrowers capped at 25 lakh. Text reviewed from the official extraction; original bytes and visual review remain open.
Source
ARB Crop Loan — product sheet
Page / section
page 1; Features & Eligibility, loan amount/ exposure
Accessed
1 Oct 2026
Confidence
medium
Open official source ↗
Facilities under Crop LoanKisan Credit Card; Farm Development Loan; overdraft; term loan; and Drop Line OD. The product page separately describes Agri Term Loan.View source
The bank sheet names these options under ARB Crop Loan; the current page describes and Agri Term Loan. They remain options within one crop-loan family here.
Source
ARB Crop Loan — product sheet
Page / section
page 1; Products offered; cross-checked against product-page salient features
Accessed
1 Oct 2026
Confidence
medium
Open official source ↗
Uses of financeKCC working capital covers cultivation inputs such as seeds, fertilisers and labour; the bank also lists crop cultivation, horticulture, agricultural infrastructure, farm mechanisation and allied agricultural activities. Agri Term Loan supports land development, repair/maintenance of farm assets and drip irrigation.View source
The page describes working-capital needs for cultivation inputs, scale-of-finance basis and ancillary Agri Term Loan uses.
Source
Crop Loan — Kotak Mahindra Bank
Page / section
Overview and salient features
Accessed
1 Oct 2026
Confidence
high
Open official source ↗
Repayment termKCC: 5 years, renewable after 5 years. Agri Term Loan: fixed terms up to 5 years on the product page; the ARB sheet also says term loans may be 5 years or more depending on proposed project/activity.View source
renews after five years. The product page says Agri Term Loan fixed terms are up to five years, while the separate sheet says term loans can be five years or more based on the proposed project; both route-specific statements are preserved pending original visual verification.
Source
Crop Loan — Kotak Mahindra Bank; ARB Crop Loan product sheet
Page / section
Salient Features; /Agri Term Loan tenure, cross-checked against page 1
Accessed
1 Oct 2026
Confidence
medium
Open official source ↗
Repayment frequencyInstalment frequency follows the cropping/cash-flow cycle.View source
The product sheet links instalment frequency to the crop/cash-flow cycle. Text reviewed from official extraction; original bytes and visual review remain open.
Source
ARB Crop Loan — product sheet
Page / section
page 1; Features & Eligibility, instalment frequency
Accessed
1 Oct 2026
Confidence
medium
Open official source ↗
Security and collateralPrimary security: hypothecation of crops. The sheet specifies a mortgage of agricultural land except waste lands/pot kharaba; commercial property or liquid security may be considered case by case. It also states agricultural loans sanctioned up to ₹2 lakh are collateral-free, citing RBI circular RBI/2024-2025/96 FIDD.CO.FSD.BC.No.10/05.05.010/2024.View source
The one-page bank sheet specifies crop hypothecation, land-mortgage collateral, case-by-case alternatives and the cited ₹2 lakh collateral-free agricultural-loan threshold. Original binary/visual review remains open.
Source
ARB Crop Loan — product sheet
Page / section
page 1; primary security, collateral and collateral-free limit
Accessed
1 Oct 2026
Confidence
medium
Open official source ↗
Rate basis and ceilingMinimum: prevailing MCLR or reference rate; maximum: 24%.View source
The fee table publishes the benchmark/reference-rate floor and 24% maximum; no individual offer or rate period is added.
Source
Crop Loan — Fees and Charges
Page / section
General Schedule of Fees and Charge — ARB Crop Loan; interest-rate row
Accessed
1 Oct 2026
Confidence
high
Open official source ↗
Processing and credit administration chargesProcessing: up to 2% of sanctioned limit. Credit administration: 1% of sanctioned limit.View source
The page lists processing charges up to 2% and a separate credit-administration charge of 1% of sanctioned limit.
Source
Crop Loan — Fees and Charges
Page / section
General Schedule of Fees and Charge — ARB Crop Loan; processing and credit-administration rows
Accessed
1 Oct 2026
Confidence
high
Open official source ↗
Prepayment chargesFor loans sanctioned/renewed from 1 January 2026: individual floating-rate facilities — nil; individual fixed-rate — 3% on part/full prepayment regardless of funds source; MSE floating and MSE fixed up to ₹50 lakh — nil for business purpose; MSE fixed above ₹50 lakh — 3%; medium non-individual fixed/floating — 3%. Term-loan charges use amount prepaid; CC/OD closure before due date uses a base no greater than the sanctioned limit. No charge applies to CC/OD closed on its due date when non-renewal is notified at least 30 days beforehand.Effective 1 Jan 2026View source
Mapped the p4 current column exactly; pre-2026 legacy rows remain separately preserved and are not substituted as current conditions.
Source
Prepayment Charges for Commercial Banking Business: Loans & Advances
Page / section
page 4, ARB-Crop Loan; current schedule for facilities sanctioned/renewed from 1 January 2026
Accessed
1 Oct 2026
Confidence
high
Open official source ↗
Documents to prepareApplication form; identity and address proof; land-ownership and crop records; colour passport-size photograph; applicant/guarantor signature verification; existing-loan and repayment-track details; any other document the bank requires. Originals are for verification; self-attested copies are submitted.View source
The required-documents page lists these exact applicant, land, crop, photograph, signature and liability records, with originals for verification and self-attested copies for submission.
Source
Crop Loan — Required Documents
Page / section
Complete displayed checklist and submission note
Accessed
1 Oct 2026
Confidence
high
Open official source ↗
Recently contracted rates (not an offer rate)Loans contracted in the quarter ended 30 June 2026: 8.20%–13.50%; mean 11.44%. This is historical portfolio disclosure, not a current offer, APR or individual quote.View source
The bank reports the crop-loan contracted range and mean for the quarter ended 30 June 2026. The source does not state a p.a. suffix in the displayed columns; no suffix is inferred.
Source
Kotak Mahindra Bank — Interest Rates, loan pricing and contracted-loan disclosures
Page / section
Commercial contracted-loan table; CROP LOAN row, quarter ended 30 June 2026
Accessed
1 Oct 2026
Confidence
high
Open official source ↗

Benefits and features

  • working-capital limit for crop inputs; amount follows the scale of finance for crops grown on agricultural land
  • Agri Term Loan for land development, repair and maintenance of farm assets, drip irrigation and other ancillary activities
  • Cash-credit and term-loan options, with instalment frequency linked to crop/cash flow
  • The product page says service is available through 138 branches; this is transcribed as the page's statement, not an independently verified branch count

Eligibility

  • : individual or joint owner-cultivators; minimum age 21 and maximum age 65 at the end of loan tenure. If a borrower is older than 65, one co-borrower in the normal age band is required.

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

Documents the bank lists

  • Duly completed application form
  • Identity proof: examples listed include voter , , passport, Aadhaar or driving licence
  • Address proof: examples listed include voter , passport, Aadhaar or driving licence
  • Land-ownership records and records of crops grown
  • Colour passport-size photograph
  • Applicant and guarantor signature verification
  • Details of existing loans and repayment track record
  • Any other document required by the bank
  • Original documents for verification and self-attested copies for submission

Related official documents

Crop Loan — Required Documentsofficial-required-documents-page · current-page-reviewed · accessed 1 Oct 2026
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Crop Loan — Eligibility Criteriaofficial-eligibility-page · current-page-reviewed · accessed 1 Oct 2026
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Crop Loan — Fees and Chargesofficial-product-fee-schedule · current-page-reviewed · accessed 1 Oct 2026
↗
Crop Loan — Kotak Mahindra Bank product pageofficial-product-page · current-page-reviewed · accessed 1 Oct 2026
↗
ARB Crop Loan — one-page product sheetofficial-product-sheet-pdf · text-extraction-reviewed-binary-and-visual-pending · accessed 1 Oct 2026
↗
Kotak Mahindra Bank — Prepayment charges for Commercial Banking Business: Loans & Advancesofficial-commercial-loan-prepayment-schedule-pdf · all-pages-reviewed-page-4-arb-crop-mapped-other-product-mapping-partial · accessed 1 Oct 2026
↗
Kotak Mahindra Bank — Interest Rates, loan pricing and contracted-loan disclosuresofficial-loan-rate-and-regulatory-disclosure-page · crop-loan-contracted-row-reviewed-focused-source · accessed 1 Oct 2026
↗

Plan before applying

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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₹50,435fifty thousand four hundred thirty-five rupees
Interest paid over the full loan₹96,04,449ninety-six lakh four thousand four hundred forty-nine rupees
Everything you repay₹1,21,04,449one crore twenty-one lakh four thousand four hundred forty-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

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Products offered · Published termKisan Credit Card (), Farm Development Loan, Overdraft, Term Loan (TL) and Drop Line

This value is copied from ARB Crop Loan facilities, terms and security. Check the table notes before relying on it.

Source: ARB Crop Loan — product sheet · page 1, Products offered and Features & Eligibility Open official source ↗

Published tables

Complete rates, limits and schedules

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

Table 1 · 8 rows · 2 columnsARB Crop Loan facilities, terms and securityOne-page bank product sheet. This transcription is based on the official PDF text extraction; local binary/hash and page-image verification remain open.View tableHide table

Scroll sideways to view every column

ARB Crop Loan facilities, terms and security
ItemPublished term
Products offeredKisan Credit Card (), Farm Development Loan, Overdraft, Term Loan (TL) and Drop Line
PurposeCrop cultivation, horticulture, agricultural infrastructure and other allied agricultural activities
Tenure: 5 years; renewal after 5 years. Term Loan: 5 years or more, based on proposed project/activity.
AmountMaximum ₹500 lakh. exposure on individual/family basis; first-time borrower capped at ₹25 lakh.
Instalment frequencyAs per the cropping/cash-flow cycle
Primary securityHypothecation of crops
Collateral securityMortgage of agricultural land (except waste lands/pot kharaba); other commercial property or liquid security considered case by case
Collateral-free agricultural loansUp to ₹2 lakh, citing Circular /2024-2025/96 FIDD.CO.FSD..No.10/05.05.010/2024
  • One-page web text was reviewed manually; original binary was not available for local visual confirmation. Values transcribed from that extraction should not be treated as fully source-verified until the bytes are retrieved and checked.
ARB Crop Loan — product sheet · page 1, Products offered and Features & Eligibility · accessed 1 Oct 2026Open official source ↗
Table 2 · 26 rows · 3 columnsARB Crop Loan — complete published schedule of fees and chargesAll 25 numbered rows and the priority-sector note on the current crop-loan fee page. Duplicate foreclosure-statement rows are retained as separately numbered in the source.View tableHide table

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ARB Crop Loan — complete published schedule of fees and charges
No.Charge / conditionPublished amount or rule
1Interest rateMinimum: prevailing or reference rate; maximum: 24%
2Loan processing chargesUp to 2% of sanctioned limit
3Documentation charges₹5,000
4Stamping chargesAs applicable under the respective State Stamp Act
5Credit administration charges1% of sanctioned limit
6Penal charges8% p.a. on overdue amounts for actual overdue days, plus applicable taxes
7Dishonour charge for cheque / / / repayment₹750 per instance
8 swap / change in instructions / ₹1,000 per swap
9Copies of SOA / amortisation schedule / interest certificate₹500
10Individual floating-rate prepaymentNil, irrespective of loan purpose
11Individual fixed-rate prepayment3% for part or full prepayment, irrespective of funds source; term loan base is amount prepaid; for CC/ closure before due date, base does not exceed sanctioned limit
12 floating-rate loan prepaymentNil for business purpose
13 fixed-rate loan up to ₹50 lakh prepaymentNil for business purpose
14 fixed-rate loan above ₹50 lakh prepayment3% for part or full prepayment, irrespective of funds source
15Medium non-individual loan (excluding ), fixed/floating3% for part or full prepayment, irrespective of funds source
16CC/ due-date closure waiverNo prepayment charge on fixed or floating facilities if non-renewal is notified at least 30 days before due date and the facility closes on that due date
17Valuation chargeActual cost or ₹7,500 per property, whichever is higher, plus applicable taxes
18Duplicate foreclosure statement₹500
19Change / release / modification / replacement of property, asset, collateral or security₹2,000 per instance per property
20Part release of collateral₹3,000 per property
21Title verification (TSR) / clearanceActual cost, borne by borrower; if unpaid, bank may auto-debit the borrower's account without further notice
22Mortgage chargesApplicable charges for the respective location
23Supervision / crop verification for / term loan / overdraftLimit ≤₹10 lakh: ₹750; >₹10 lakh–₹25 lakh: ₹1,250; >₹25 lakh–₹50 lakh: ₹1,500; >₹50 lakh: ₹3,000; debited every 6 months
24NOC / duplicate No Dues Certificate₹500
25Duplicate foreclosure statement₹500 (listed again as a separate numbered row in the source)
NotePriority-sector loan charge exemptionFor eligible priority-sector loans up to ₹50,000, loan-related charges (including credit-guarantee fees) and ad hoc service/inspection charges are not applicable; for eligible / loans, the limit applies per member, not the group
  • The bank fee page displays this ARB Crop Loan schedule. Prepayment rows are cross-checked against the separate 2026-effective page 4; all other rows remain as published. Only taxes explicitly stated in the relevant row are attached to that charge.
Crop Loan — Fees and Charges · General Schedule of Fees and Charge — ARB Crop Loan; rows 1–25 and priority-sector note · accessed 1 Oct 2026Open official source ↗
Table 3 · 7 rows · 4 columnsARB-Crop Loan — prepayment schedule and effective-date comparisonFull page-4 borrower/charge table, retaining the legacy-to-2025 column separately from the schedule effective 1 January 2026.View tableHide table

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ARB-Crop Loan — prepayment schedule and effective-date comparison
Legacy charge description (through 31 Dec 2025)Legacy chargeCurrent charge description (from 1 Jan 2026)Current charge
Foreclosure charges for term loan3% for fixed-rate term loans to individuals; nil for floating-rate term loans to individualsIndividual, floating rate (irrespective of purpose)Nil
Foreclosure charges on facilities other than term loan3% of sanctioned limitIndividual, fixed rate3% for part/full prepayment regardless of funds source; term-loan base is amount prepaid; for CC/ closure before due date, base is no more than sanctioned limit
, floating rateNil for business purpose
, fixed rate up to ₹50 lakhNil for business purpose
, fixed rate above ₹50 lakh3% for part/full prepayment regardless of funds source
Medium, non-individual (excluding ), fixed/floating3% for part/full prepayment regardless of funds source
CC/, fixed/floating; closed on due dateNo charge when non-renewal is notified at least 30 days before due date and facility closes on due date
  • The source page has separate legacy and current columns. Current rows apply to loans/advances sanctioned or renewed from 1 January 2026; legacy values are shown only to preserve the complete dated source schedule and must not be presented as current terms.
Prepayment Charges for Commercial Banking Business: Loans & Advances · page 4, ARB-Crop Loan; legacy and current schedules · effective 1 Jan 2026 · accessed 1 Oct 2026Open official source ↗
Table 4 · 1 row · 4 columnsCROP LOAN contracted-rate row — quarter ended 30 June 2026The product-specific row from Kotak's commercial contracted-loan table; portfolio history, not an offer quote or APR.View tableHide table

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CROP LOAN contracted-rate row — quarter ended 30 June 2026
Product groupMinimum (%)Maximum (%)Mean (%)
CROP LOAN8.2013.5011.44
  • Kotak reports the full multi-product commercial table in its source-rate cache. This product page retains the exact Crop Loan row; the other product rows are not represented as Crop Loan terms. The source columns do not display a p.a. suffix.
Kotak Mahindra Bank — Interest Rates, loan pricing and contracted-loan disclosures · Commercial contracted-loan table; CROP LOAN row, quarter ended 30 June 2026 · accessed 1 Oct 2026Open official source ↗

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