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Business, & agriculture finance

Fishing / Processing Loan

Finance for composite fish culture and prawn/shrimp cultivation, boats, and pond construction, deepening, widening or desilting.

Facility amount₹2 lakh to ₹50 croreInterest rateUp to ₹50 lakh: 1-year MCLR + 3.60% p.a. (12.30% p.a. using SBI's 8.70% one-year MCLR effective 15 September 2026); ₹50 lakh and above: CRA-based pricing. SBI's two published bands overlap at exactly ₹50 lakh.Eligible borrower typesIndividuals, proprietorships, partnership firms, LLPs, companies, co-operative societies, and groups of fish farmers organised as SHGs or JLGs.
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Quick eligibility check

Fishing / Processing Loan

0 of 6 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: Individuals, proprietorships, partnership firms, LLPs, companies, co-operative societies, and groups of fish farmers organised as SHGs or JLGs?

Published source: Eligible borrower types

2Can you provide this required proof: For the individual application track, the declaration lists copies of financial statements, bank statements and title/legal documents as attached?

Published source: Documents identified in SBI's common agriculture application form

3Do you meet this requirement: The form prompts for an affidavit for tenant farmers, oral lessees and sharecroppers?

Published source: Documents identified in SBI's common agriculture application form

4Do you meet this requirement: This is not a Fishing / Processing-specific exhaustive checklist?

Published source: Documents identified in SBI's common agriculture application form

5Can you provide this required proof: entity type, security and sanction can change the documents required?

Published source: Documents identified in SBI's common agriculture application form

6Document checkDo you have this required document or proof: SBI's common agriculture application form (individual track) asks applicants to attach copies of financial statements, bank statements and title/legal documents; it also prompts for an affidavit for tenant farmers, oral lessees and sharecroppers. This is not a Fishing / Processing-specific exhaustive checklist; the non-individual form and sanction may require different documents?

Published source: Documents identified in SBI's common agriculture application form
0 of 6 answeredAnswer the remaining questions to see your checklist result.
✓ Manually checked 25 Sept 2026 · active
Offered byState Bank of India

India; individual products may have narrower eligibility or branch 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.

Facility amount₹2 lakh to ₹50 croreEffective 30 Apr 2025View source
Quantum of finance: Rs. 2.00 lakhs to Rs. 50.00 Crores.
Source
Bouquet of Products and Services — Version 3.0 (Agriculture loan section)
Page / section
Printed page 37 / physical page 44 — Fishing / Processing
Accessed
10 Sept 2026
Confidence
high
Open official source ↗
TenureMaximum 7 years including a 12-month moratoriumEffective 30 Apr 2025View source
Repayment period of maximum 7 years including moratorium period of 12 months.
Source
Bouquet of Products and Services — Version 3.0 (Agriculture loan section)
Page / section
Printed page 37 / physical page 44 — Fishing / Processing
Accessed
10 Sept 2026
Confidence
high
Open official source ↗
Published purposeComposite fish culture and prawn/shrimp cultivation; boats; and construction, deepening, widening or desilting of ponds.Effective 30 Apr 2025View source
Finance for composite fish culture and prawns / shrimp cultivation, boat, construction / deepening / widening / desilting of ponds, etc.
Source
Bouquet of Products and Services v3.0 — agriculture loan products
Page / section
Printed page 37 / physical page 44 — Fishing / Processing, Purpose
Accessed
10 Sept 2026
Confidence
high
Open official source ↗
Eligible borrower typesIndividuals, proprietorships, partnership firms, LLPs, companies, co-operative societies, and groups of fish farmers organised as SHGs or JLGs.Effective 30 Apr 2025View source
Individual, Proprietorship, Partnership Firms, , Companies, Co-operative societies, Group of fish farmers - / are eligible under the product.
Source
Bouquet of Products and Services v3.0 — agriculture loan products
Page / section
Printed page 37 / physical page 44 — Fishing / Processing, Eligibility
Accessed
10 Sept 2026
Confidence
high
Open official source ↗
Interest rateUp to ₹50 lakh: 1-year MCLR + 3.60% p.a. (12.30% p.a. using SBI's 8.70% one-year MCLR effective 15 September 2026); ₹50 lakh and above: CRA-based pricing. SBI's two published bands overlap at exactly ₹50 lakh.Effective 15 Sept 2026View source
Row 16 identifies MC-ATL Fishing Processing, 1 Year , spread 3.60%; remark: up to ₹50 lakh, 1Y +360 bps; ₹50 lakh and above, CRA-based pricing. The page 1 benchmark lists one-year at 8.70% as on 15 September 2026. Because the two price bands both include exactly ₹50 lakh, no single boundary treatment is inferred.
Source
Agriculture Business — Interest Rates on Loans & Advances, as on 15 September 2026
Page / section
page 2, row 16 — ICGL, MC-ATL Fishing Processing; page 1, one-year reference
Accessed
24 Sept 2026
Confidence
high
Open official source ↗
Upfront / processing feeIf sanctioned as an agriculture term loan: nil up to ₹2 lakh; above ₹2 lakh, SBI's other-term-loan bands are 1.25% (CRA/CUE 1–4), 1.50% (5–10), or 2.00% (CRA 11 or below/unrated or CUE 11 or below). A separate schedule exemption may cover qualifying Micro/Small Enterprise loans up to ₹5 lakh. No separate processing charge is due where the upfront fee is recovered; GST is extra.Effective 1 Jun 2025View source
The schedule lists nil for agriculture term loans up to ₹2 lakh, then other term-loan fee bands by CRA/CUE; qualifying Micro/Small Enterprise loans up to ₹5 lakh are exempt under the stated conditions. It says there is no separate processing charge where upfront fee is recovered; applicable is additional. product booklet describes repayment terms but does not explicitly name the Fishing / Processing facility type, so these term-loan charges are presented conditionally.
Source
Advances Related Service Charges — C&I, and AGL Segments
Page / section
pages 1–2, Chapter I item 2(a), term-loan upfront fee and agriculture/ exemptions
Accessed
1 Sept 2026
Confidence
high
Open official source ↗
Standalone annual review chargeOnly for a standalone term-loan review: nil up to ₹25 lakh; above ₹25 lakh to ₹50 crore, 0.10% during implementation and 0.05% after full disbursement and repayment begins. Staged disbursement uses the sanctioned limit; after full disbursement, the outstanding amount is the basis. No separate charge where review is part of regular review/renewal.Effective 1 Jun 2025View source
The schedule states the standalone term-loan review fee bands and basis. It is not an annual account charge and is not levied when the review is part of regular review/renewal; stated public-sector and government-organisation exclusions remain applicable.
Source
Advances Related Service Charges — C&I, and AGL Segments
Page / section
page 2, Chapter I item 2(b), annual review charges for term loans
Accessed
1 Sept 2026
Confidence
high
Open official source ↗
Project appraisal feeConditional: if SBI classifies the sanction as a project term loan and shares the appraisal note with other consortium/MBA lenders, the fee is based on project cost: 1.10% (₹11–28 lakh) up to ₹25 crore; 0.85% (₹28–40 lakh) above ₹25–50 crore; 0.55% (₹40–55 lakh) above ₹50–100 crore; above ₹100 crore, 0.30% with ₹55 lakh minimum and a negotiated maximum. This is not automatically charged to every Fishing / Processing borrower.Effective 1 Jun 2025View source
The tariff's appraisal fee applies to project term loans where the appraisal note is shared with other lenders under consortium/ lending. The fee bands use project cost, not the loan amount; maximum above ₹100 crore is negotiated in line with market conditions.
Source
Advances Related Service Charges — C&I, and AGL Segments
Page / section
page 2, Chapter I item 2(d), project appraisal fee
Accessed
1 Sept 2026
Confidence
high
Open official source ↗
Sanction revalidation chargeIf the sanction requires revalidation: 50% of the applicable upfront fee for an other term loan, or 30% of the project-appraisal fee for a project term loan. Revalidation of pricing approvals is excluded; earlier concessions lapse unless freshly approved.Effective 1 Jun 2025View source
The schedule lists 50% of the applicable unified upfront fee for other term loans and 30% of the project-appraisal fee for project term loans; pricing-approval revalidation is excluded.
Source
Advances Related Service Charges — C&I, and AGL Segments
Page / section
page 3, Chapter I item 5, sanction revalidation
Accessed
1 Sept 2026
Confidence
high
Open official source ↗
Term-loan prepayment chargeIf sanctioned as a term/demand loan, SBI's policy sets 2.00% of the amount prepaid, subject to listed exemptions. These include MSME borrowers, specified floating-rate non-business individual term loans, internal-cash/equity repayment, strategic lender exit, cash sweep/insurance proceeds and lender-directed payment. Confirm borrower classification, facility type and sanction; GST applies to prepayment/foreclosure charges.Effective 1 Jan 2026View source
The term/demand-loan clause states 2% of the prepaid amount and lists borrower/facility exceptions; separate policy text says no charge for the specified non-renewal notice and closure on the due date. Prepayment/foreclosure charges are among the exceptions where applies.
Source
Policy on Penal Charges in Loans and Advances
Page / section
pages 4–5, clause 1.15, prepayment/pre-closure charges and exceptions
Accessed
25 Sept 2026
Confidence
high
Open official source ↗
Delayed term-loan drawdown chargeIf this is sanctioned as a term loan and a scheduled disbursement is delayed by more than 2 months after its due date, SBI's policy sets 0.60% p.a. on the amount due but not disbursed, for the delay period.Effective 1 Jan 2026View source
Clause 1.16 applies where the scheduled drawdown is not made within two months from the due date and charges 0.60% p.a. on the undisbursed scheduled amount for the period of delay.
Source
Policy on Penal Charges in Loans and Advances
Page / section
page 6, clause 1.16, delayed drawdown in term loans
Accessed
25 Sept 2026
Confidence
high
Open official source ↗
Documents identified in SBI's common agriculture application formFor the individual application track, the declaration lists copies of financial statements, bank statements and title/legal documents as attached. The form prompts for an affidavit for tenant farmers, oral lessees and sharecroppers. This is not a Fishing / Processing-specific exhaustive checklist; entity type, security and sanction can change the documents required.Effective 2 Feb 2026View source
Page 6's individual-borrower declaration names attached copies of financial statements, bank statements and title/legal documents. Page 5 requests years of agriculture-business experience and asks whether an affidavit was obtained for tenant farmers, oral lessees and sharecroppers; it does not set minimum experience years.
Source
Agriculture Loan Application Form — Individual/Non-Individual, Co-Applicant, Beneficiary and KSR (English)
Page / section
pages 5–6: agriculture-business experience and affidavit prompts; individual declaration of attached documents
Accessed
24 Sept 2026
Confidence
high
Open official source ↗
Information requested by SBI's agriculture application formThe individual form asks for years of agriculture-business experience but sets no minimum-years threshold. The non-individual form collects the entity's constitution/registration details, business activity, two years of actual financials, a current estimate and a next-year projection. These are form requests, not additional eligibility thresholds.Effective 2 Feb 2026View source
The form requests experience in years and financial information but publishes no minimum-years, turnover or income test for the Fishing / Processing product.
Source
Agriculture Loan Application Form — Individual/Non-Individual, Co-Applicant, Beneficiary and KSR (English)
Page / section
pages 5 and 8–15, individual and non-individual application sections
Accessed
24 Sept 2026
Confidence
high
Open official source ↗

Benefits and features

  • ₹2 lakh–₹50 crore facility range published in April 2025 agriculture booklet
  • Repayment up to 7 years, including a moratorium of up to 12 months
  • Current September 2026 agriculture rate sheet identifies a Fishing Processing pricing row; its ₹50 lakh boundary wording overlaps

Eligibility

  • The booklet names individuals, proprietorships, partnership firms, , companies, co-operative societies and groups of fish farmers (/) for the listed fishing and processing activities.

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

Documents the bank lists

  • common agriculture application form (individual track) asks applicants to attach copies of financial statements, bank statements and title/legal documents; it also prompts for an affidavit for tenant farmers, oral lessees and sharecroppers. This is not a Fishing / Processing-specific exhaustive checklist; the non-individual form and sanction may require different documents.

Related official documents

Advances Related Service Charges — C&I, SME and AGL segmentsofficial-service-charge-document · current · accessed 25 Sept 2026
↗
SBI Bouquet of Products & Services — Agriculture: Loan Productsofficial-pdf · current · accessed 4 Sept 2026
↗
Agriculture Loan Application Form — Individual/Non-Individual, Co-Applicant, Beneficiary and KSR (English)official-application-form · current-linked-form · accessed 25 Sept 2026
↗
Agriculture Loan Application Forms — SBI official indexofficial-application-form-index · current · accessed 25 Sept 2026
↗
SBI Banks Agriculture Products — current official catalogueofficial-product-catalogue · current · accessed 25 Sept 2026
↗
SBI Agriculture Segment Interest Structure as on 15 August 2026official-pdf · current · accessed 6 Sept 2026
↗
Agriculture Business — Interest Rates on Loans & Advances, as on 15 September 2026official-pdf · current · accessed 25 Sept 2026
↗
SBI Bouquet of Products and Services v3.0 — agriculture loan productsofficial-pdf · historical-reference · accessed 24 Sept 2026
↗
SBI Agriculture Banking — current landing page checked for Fishing / Processingofficial-product-catalogue-index · current · accessed 25 Sept 2026
↗
Policy on Penal Charges in Loans and Advancesofficial-penal-charge-policy · current · accessed 25 Sept 2026
↗
SBI Revised Service Charges — current advances-document listingofficial-fee-index · current · accessed 25 Sept 2026
↗

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One monthly payment₹14,628fourteen thousand six hundred twenty-eight rupees
Interest paid over the full loan₹10,10,669ten lakh ten thousand six hundred sixty-nine rupees
Everything you repay₹35,10,669thirty-five lakh ten thousand six hundred sixty-nine rupees

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Finance to Self Help Group () · Purpose / eligibility corpus-based finance; Panchasutras mandatory; social needs, debt swap, housing, toilets and sustainable livelihoods

This value is copied from Historical agriculture product booklet — complete transcription. Check the table notes before relying on it.

Source: Bouquet of Products & Services — Agriculture: Loan Products · Printed pages 34–37 / physical pages 41–44 Open official source ↗

Published tables

Complete rates, limits and schedules

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

Table 1 · 12 rows · 4 columnsHistorical SBI agriculture product booklet — complete transcriptionHistorical transcription of every agriculture product panel and warehouse-receipt table from printed pages 34–37 (physical PDF pages 41–44); this is not a current product schedule. In particular, the booklet's ABAL overdraft row is superseded by SBI's current ABAL page, which describes an Agricultural Term Loan of ₹3,00,001–₹50 lakh. See the separate current ABAL terms table for live terms.View tableHide table

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Historical SBI agriculture product booklet — complete transcription
ProductPurpose / eligibilityAmount or limitTenure / margin / other published terms
Finance to Self Help Group () corpus-based finance; Panchasutras mandatory; social needs, debt swap, housing, toilets and sustainable livelihoodsUp to ₹20 lakhNo collateral margin up to ₹10 lakh; minimum 10% margin above ₹10 lakh
Svayam Siddha InitiativeIndividual women members of mature credit-linked with and sponsored by SRLM/NRLM; 28 common /Agri- activitiesUp to ₹10 lakh; simplified procedure up to ₹5 lakhOther activities ₹80,000–₹10 lakh follow regular procedure; 2% interest subvention for prompt women borrowers on ₹1.50 lakh outstanding for max 3 years
Agriculture Infrastructure Fund ()Farmers, agri entrepreneurs, start-ups, agencies/APMCs, cooperatives, PACS, , and ; post-harvest/processing/storageInterest-subvention limit ₹2 crore3% p.a. subvention for max 7 years; cover up to ₹2 crore; NABSanrakshan cover up to ₹2 crore for
Kisan Credit Card ()Owner cultivators, tenant farmers, oral lessees, sharecroppers, and ; cultivation, post-harvest, household consumption, farm assets and allied activitiesNeed-based by crop, acreage and Scale of Finance; 10% annual step-up through year 5Short crops 12 months; long crops 18 months; five-year validity subject to annual review; 3% prompt-repayment incentive
Animal Husbandry Infrastructure Development Fund ()Dairy/meat processing and animal-feed manufacturing; , companies, individuals, Section 8 companies, and dairy cooperativesCredit guarantee under up to ₹5 crore; NABSanrakshan up to ₹25 crore for 3% interest subvention for regular repayment, up to 8 years including moratorium; apply via Udyami Mitra
Warehouse Receipt Financing — AgriPost-harvest finance against WDRA-registered warehouse receipts or approved collateral-manager receiptsMinimum ₹1 lakh; individuals// up to ₹2 crore; /cooperatives/PACS/agro-food units up to ₹10 croreMaximum 12 months, but one month before commodity shelf life (12-month shelf life → 11-month term; 3-month shelf life → 2-month term); processing fee and collateral waived for e-NWR/approved-manager WHR
Asset Backed Agriculture Loan (ABAL)Traditional, modern farm and farm-related activities; short-term production and investment creditMaximum overdraft ₹2 crore per borrowerLoan secured by SARFAESI-compliant immovable property
Loan — Agri Allied ActivitiesIndividuals, sole proprietorships, partnerships (excluding corporate bodies/institutions), and ; dairy, poultry, fisheries, sericulture, piggery, sheep/goat rearing, beekeeping and mushroom cultivationCollateral-free loans up to ₹20 lakh; cover availableOverdraft and dropline overdraft facilities
Tractor LoanIndividual farmer with minimum 2-acre agricultural land holding; up to two co-applicants; tractor, accessories, insurance and registration₹2 lakh–₹25 lakhTerm loan; up to 5 years with half-yearly instalments; 25% margin
Fishing / ProcessingComposite fish culture, prawns/shrimp, boats and pond construction/deepening/widening/desilting; individuals, proprietorships, partnerships, , companies, cooperatives, /₹2 lakh–₹50 croreMaximum 7 years including 12-month moratorium
Poultry / ProcessingBroiler, egg, pullet and breeder production; equipment, feed, medicines, sheds, borewells, insurance, expansion and mechanisation; farmers//, corporates, /, companies, partnerships and cooperatives₹1 lakh–₹25 croreRepayable in 120 months including 9-month moratorium
Dairy / ProcessingMilch cattle, plant/machinery, sheds, land development, infrastructure and dairy processing; farmers, /, corporates, , partnerships and cooperativesNot published in the panel5 years for dairy farm; up to 10 years for processing; moratorium up to 3 months for dairy and 18 months for processing
  • Rows reproduce every product and numeric term shown on printed pages 34–37. Amounts, margins and periods are not inferred where the panel is silent.
  • Historical source only. The ABAL row's overdraft amount is superseded: current named ABAL page describes a ₹3,00,001–₹50 lakh Agricultural Term Loan. Do not present the booklet row as current ABAL terms.
Bouquet of Products & Services — Agriculture: Loan Products · Printed pages 34–37 / physical pages 41–44 · accessed 4 Sept 2026Open official source ↗
Table 2 · 8 rows · 3 columnsAgriculture Business benchmark reference ratesView tableHide table

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Agriculture Business benchmark reference rates
ReferenceEffective / tenorRate or formula
From 15 December 20257.90% + +
Overnight, as on 15 September 20267.85%
One month, as on 15 September 20267.85%
Three months, as on 15 September 20268.25%
Six months, as on 15 September 20268.60%
One year, as on 15 September 20268.70%
Two years, as on 15 September 20268.75%
Three years, as on 15 September 20268.80%
Agriculture Business — Interest Rates on Loans & Advances, as on 15 September 2026 · page 1; benchmark block repeated on each subsequent page · effective 15 Sept 2026 · accessed 24 Sept 2026Open official source ↗
Table 3 · 51 rows · 6 columnsSBI Agriculture Business — complete product-code rate table (all 51 rows)View tableHide table

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SBI Agriculture Business — complete product-code rate table (all 51 rows)
Product owner departmentSr. no.Product code descriptionBenchmark and tenorSpread as printed (%)Remarks as printed / faithfully transcribed
ICGL1MC-ATL KUSUM Component B&C1 Year 3.5
ICGL2EB-TL-AGR- FME SCHEME*2Loans below ₹50 lakh: + 200 bps; loans ₹50 lakh and above: CRA-based pricing
ICGL3EB-TL-AGR- SCHEME*2For borrowers: + 200; for non- borrowers below ₹50 lakh: 1-year + 200 bps; ₹50 lakh and above: 1-year linked to CRA
ICGL4MC-ATL Agri Infra Fund loan6M 1Up to ₹2 crore: 9.00% fixed
ICGL5MC-New Tractor Loan Scheme1 Year 4.35Rate linked to collateral: nil collateral, +4.35%; collateral ≥50% and <100% of loan value, +4.00%; collateral ≥100%, +3.60% over 1-year
ICGL6MC-ATL-Combine Harvester1 Year 3.51Y + 350 bps
ICGL7CC-WCL(AGRI)-T BILL LINKEDFixed rate07.25%
ICGL8MC-ATL KUSUM Component A1 Year 1.75CRA-based pricing; uses -based pricing; non- uses -based pricing
ICGL9MC-ATL KUSUM Component C (FLS) / 1 Year 0CRA-based pricing; uses -based pricing; non- uses -based pricing
ICGL10MPGL - Agri1 Year 0
ICGL11MPGL-Allied Activity1 Year 0
ICGL12MC-ATL Horti -Arunachal ABY1 Year 3.60Up to ₹25 lakh: 1Y + 360 bps
ICGL13MC-ATL Horticulture - Nur1 Year 3.60Up to ₹50 lakh: 1Y + 360 bps; ₹50 lakh and above: CRA-based pricing
ICGL14MC-ATL Sheep -Goat - Pig1 Year 3.60Up to ₹50 lakh: 1Y + 360 bps; ₹50 lakh and above: CRA-based pricing
ICGL15MC-ATL POULTRY-PROCESSING1 Year 2.00Up to ₹50 lakh: 1Y + 360 bps; ₹50 lakh and above: CRA-based pricing. The spread column says 2.00% while the remark says 3.60%; source-internal conflict retained.
ICGL16MC-ATL Fishing Processing1 Year 3.60Up to ₹50 lakh: 1Y + 360 bps; ₹50 lakh and above: CRA-based pricing
ICGL17MC-ATL Other AGL Finance1 Year 3.60Up to ₹50 lakh: 1Y + 360 bps; ₹50 lakh and above: CRA-based pricing. Row does not name ABAL.
ICGL18MC-ATL DAIRY-PROCESSING1 Year 3.60Up to ₹50 lakh: 1Y + 360 bps; ₹50 lakh and above: CRA-based pricing
ICGL19MCATLDAIRY-PROC-CORP TIE1 Year 0.40Up to ₹50 lakh: 1Y + 40 bps; ₹50 lakh and above: CRA-based pricing
ICGL20MC-ATL Const. of Cold Storage1 Year 2.00Up to ₹50 lakh: 1Y + 200 bps; ₹50 lakh and above: CRA-based pricing
ICGL21MC-ATL-POLY HOUSE1 Year 2Below ₹50 lakh: 1-year + 200 bps; above ₹50 lakh: CRA-based pricing
ICGL22ACC Allied Processing Activity1 Year 2.75Up to ₹10 lakh: 1-year + 275 bps; above ₹10 lakh to ₹50 lakh: +200 bps; above ₹50 lakh: CRA-based pricing
ICGL23EB-ACC-Agri & Food Enterprises Loan2Up to ₹50 lakh: + 200 bps; ₹50 lakh and above: CRA-based pricing
ICGL24EB-TL-Agri & Food Enterprises Loan2Up to ₹50 lakh: + 200 bps; ₹50 lakh and above: CRA-based pricing
CROP25MC-CC-FIN HARVEST & TRANSPORT1 Year 3 as per CRA of sugar mills: SB8 & better, + 150 bps; SB9 and worse, + 300 bps
CROP26MC ACC-FF-FARMER RECEIVABLE1 Year 0.7
CROP27MC-ACC-PACS- CROP LOANS1 Year 11Y for PACS giving loans to farmers at subvented rate; for others below ₹50 lakh, +100 bps; ₹50 lakh and above, CRA-based
CROP28MC-ATL-PACSMI-AGRI1 Year 2
CROP29MC-ATL-PACSFM-AGRI1 Year 2
CROP30MC-ATL-PACSHORTI-AGRI1 Year 2
CROP31MC-ATL-PACS---ALIED1 Year 2
CROP32MC-ATL-PACS ALLIED AGRI1 Year 2
CROP33 Gold Loan1 Year 3.25Up to ₹3 lakh: 7% applicable under interest-subvention scheme
CROP34WHR-DL-AGRO- FOOD- PROC0.65e-NWR: 6 months +25 bps; 12 months +50 bps. Warehouse receipt by collateral manager: 6 months +40 bps; 12 months +65 bps
CROP35WHR-DL-AGRI- OTHERS0.65e-NWR: 6 months +25 bps; 12 months +50 bps. Warehouse receipt by collateral manager: 6 months +40 bps; 12 months +65 bps
CROP36MC-DL-PMLeNWRs-6M6M 0Up to ₹3 lakh: 7% applicable under interest-subvention scheme
CROP37MC-DL-PMLeNWRs-12M1 Year 0.15
CROP38MC-DL-PML-CMWHRs-6M6M 0.15
CROP39MC-DL-PML-CMWHRs-12M1 Year 0.3
CROP40MC-Revised 1 Year 3.25Up to ₹3 lakh: 7% under subvention; below ₹50 lakh: 1Y +325 bps; ₹50 lakh and above: CRA-based pricing
CROP41MC--Animal Husbandry & Fish1 Year 3.25SB1–SB5: 1Y +300 bps; SB6–SB10: +400 bps; SB11–SB15: +600 bps. Up to ₹2 lakh: 7% applicable under subvention
CROP42-Arunachal Pradesh AKY1 Year 3.25Below ₹50 lakh: 1Y +325 bps; up to ₹3 lakh: 7% applicable under subvention
CROP43CNVSN TO ATL SEV CALA1 Year 3.25Below ₹50 lakh: 1Y +325 bps; ₹50 lakh and above: CRA-based pricing
CROP44MC-ATL--CNVRSN LOAN1 Year 3.25Below ₹50 lakh: 1Y +325 bps; ₹50 lakh and above: CRA-based pricing
CROP45Kisan Samriddhi Rin (KSR)1 Year 1.8Below ₹50 lakh: 1Y +180 bps. ₹50 lakh and above: SB1–SB2 +100 bps, SB3–SB6 +150 bps, SB7–SB10 +200 bps. Outstanding up to ₹3 lakh: 7%; ₹3–5 lakh: 1Y ; ₹5–10 lakh: 1Y +1.40%; above ₹10 lakh: 1Y +1.20%
46MC- ACC- NRLM- -TIERED1 Year TieredOutstanding up to ₹3 lakh: 7%; ₹3–5 lakh: 1Y ; ₹5–10 lakh: 1Y +1.40%; above ₹10 lakh: 1Y +1.20%
47MC -ATL - NRLM - -TIERED1 Year TieredOutstanding up to ₹3 lakh: 7%; ₹3–5 lakh: 1Y ; ₹5–10 lakh: 1Y +1.40%; above ₹10 lakh: 1Y +1.20%
48MC- ACC- GEN -1 Year 51-year +500 bps
49MC-ATL- GEN- 1 Year 51-year +500 bps
50Svayam Siddha Activities2.5 +250 bps
51Svayam Siddha Agri Activities1 Year 31-year +300 bps
  • The rate/tenor reference block is printed again on each of the six pages; the reference table above records that repeated block once. Product row 25 breaks across the page 3/4 boundary and is one row, not a second entry.
  • The source spread column and remarks conflict for row 15 Poultry Processing (2.00% versus 3.60% in the up-to-₹50-lakh remark). Both are retained without choosing.
  • The row 4 Agriculture Infrastructure Fund entry has a 6M- +1% spread column and also a remark saying up to ₹2 crore at 9.00% fixed; do not collapse these into one formula without applicability clarification.
  • Row 17 is a generic Other AGL Finance code; the sheet does not name Asset Backed Agri Loan or publish an official crosswalk for ABAL. This is recorded as a possible conflict, not an ABAL fact.
  • Transcribed from the complete layout-preserving text extraction and visually reviewed page screenshots for all six pages. Formatting and wording are normalized only for readable whitespace, units and obvious text-extraction glyph substitutions; printed numeric rates, limits and row identities are preserved.
Agriculture Business — Interest Rates on Loans & Advances, as on 15 September 2026 · pages 1–6; all 51 product-code rows, including repeated header/reference blocks and page-break continuation · effective 15 Sept 2026 · accessed 24 Sept 2026Open official source ↗
Table 4 · 1 row · 4 columnsSBI Fishing / Processing — current agriculture rate-sheet rowThe exact product-code row is shown separately from the complete 51-row rate table. Its ₹50 lakh pricing bands overlap at the boundary as printed; the conflict is preserved.View tableHide table

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SBI Fishing / Processing — current agriculture rate-sheet row
Rate-sheet row / product codeBenchmark and tenorSpreadPublished amount bands and pricing remark
ICGL / row 16 — MC-ATL Fishing Processing1-year 3.60%Up to ₹50 lakh: 1-year +360 bps; ₹50 lakh and above: CRA-based pricing
  • lists one-year at 8.70% effective 15 September 2026, giving an arithmetic indicative rate of 12.30% p.a. for the +3.60% band. Because both printed bands include exactly ₹50 lakh, the rate at that point is unresolved. The complete benchmark and all 51 product-code rows are attached from the same reviewed .
Agriculture Business — Interest Rates on Loans & Advances, as on 15 September 2026 · page 2, row 16; page 1, / benchmark reference · effective 15 Sept 2026 · accessed 24 Sept 2026Open official source ↗
Table 5 · 6 rows · 2 columnsSBI agriculture term-loan upfront-fee bands and exemptionsConditional: SBI's product booklet gives repayment terms but does not explicitly label the Fishing / Processing facility type. These tariff rows apply if SBI sanctions it as an agriculture term loan; confirm facility/rating and eligible exemption at sanction.View tableHide table

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SBI agriculture term-loan upfront-fee bands and exemptions
Condition / ratingUpfront fee excluding
Agriculture term loan up to ₹2 lakhNil
Other term loan; CRA/CUE 1–41.25% of loan amount
Other term loan; CRA/CUE 5–101.50% of loan amount
Other term loan; CRA 11 or below/unrated or CUE 11 or below2.00% of loan amount
Bank loan up to ₹5 lakh to a qualifying Micro/Small EnterpriseSchedule exemption, only if borrower/unit qualifies
Term loan with upfront fee recoveredNo separate processing charge
  • The published Fishing / Processing facility band begins at ₹2 lakh: the nil AGL-term-loan band covers that amount; for larger term-loan amounts the other-term-loan CRA/CUE bands are shown, subject to facility classification and any qualifying exemption. Applicable is additional.
Advances Related Service Charges — C&I, and AGL Segments · pages 1–2, Chapter I item 2(a), term-loan upfront fee and AGL/ exemptions · effective 1 Jun 2025 · accessed 1 Sept 2026Open official source ↗
Table 6 · 3 rows · 2 columnsSBI standalone term-loan annual review chargeConditional fee for a standalone annual review; not an annual account charge.View tableHide table

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SBI standalone term-loan annual review charge
Sanctioned loan band / stageStandalone review charge
Up to ₹25 lakhNil
Above ₹25 lakh to ₹50 crore during implementation0.10% of applicable basis
Above ₹25 lakh to ₹50 crore after implementation0.05% of applicable basis
  • For staged disbursement the basis is the sanctioned limit; after full disbursement and commencement of repayment, the outstanding amount is used. No separate charge applies when the review is part of regular review/renewal. The schedule lists exclusions for Central Government organisations and Maharatna/Navratna/Miniratna public-sector companies.
Advances Related Service Charges — C&I, and AGL Segments · page 2, Chapter I item 2(b), standalone annual review charges for term loans · effective 1 Jun 2025 · accessed 1 Sept 2026Open official source ↗
Table 7 · 4 rows · 4 columnsSBI project-term-loan appraisal fee scheduleOnly applies when SBI classifies the sanction as a project term loan and shares the appraisal note with other lenders under consortium/MBA lending.View tableHide table

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SBI project-term-loan appraisal fee schedule
Project costFee rateMinimum feeMaximum fee
Up to ₹25 crore1.10% of project cost₹11 lakh₹28 lakh
Above ₹25 crore to ₹50 crore0.85% of project cost₹28 lakh₹40 lakh
Above ₹50 crore to ₹100 crore0.55% of project cost₹40 lakh₹55 lakh
Above ₹100 crore0.30% of project cost₹55 lakhNegotiated with market conditions
  • These bands use project cost, not the sanctioned loan amount. The product's financing maximum is not evidence of project cost or proof that a particular borrower is charged this fee. is additional.
Advances Related Service Charges — C&I, and AGL Segments · page 2, Chapter I item 2(d), project appraisal fee · effective 1 Jun 2025 · accessed 1 Sept 2026Open official source ↗
Table 8 · 3 rows · 2 columnsSBI sanction revalidation chargesConditional charges if SBI requires an expired sanction to be revalidated; pricing-approval revalidation is excluded.View tableHide table

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SBI sanction revalidation charges
Facility typeRevalidation charge
Working capital50% of applicable processing charge
Project term loan30% of applicable project-appraisal fee
Other term loan50% of applicable unified upfront fee
  • Previously approved processing/upfront concessions lapse at revalidation unless a fresh concession is approved by the sanctioning authority.
Advances Related Service Charges — C&I, and AGL Segments · page 3, Chapter I item 5, complete sanction-revalidation table · effective 1 Jun 2025 · accessed 1 Sept 2026Open official source ↗
Table 9 · 6 rows · 3 columnsSBI common agriculture application form — document and information promptsThese are actual prompts from SBI's generic agriculture application form; they are not represented as a Fishing / Processing-specific exhaustive checklist or as extra eligibility thresholds.View tableHide table

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SBI common agriculture application form — document and information prompts
Form sectionPublished promptApplicability / limit
Individual application, page 5Number of years of agriculture-business experience for the activityInformation requested; no minimum-years threshold is published
Individual application, page 5Whether an affidavit was obtainedForm prompt for financing tenant farmers, oral lessees and sharecroppers
Individual borrower declaration, page 6Copies of financial statements, bank statements and title/legal documents attachedListed by the general agriculture form; not a product-specific complete checklist
Non-individual application, pages 8–15Entity constitution/registration identifiers and activity detailsNon-individual borrower track
Non-individual application, pages 8–15Two years of actual financials, a current estimate and next-year projectionForm fields; not a minimum turnover test
Beneficiary-owner form, page 20Current-address OVD; deemed OVD alternatives if the address is not updatedOnly if the separate beneficiary-owner form applies
  • The 26-page combined form was rendered and visually checked page by page in the earlier agriculture batch; the same file/hash is reused. OVD address alternatives include the form-listed identity documents and conditional alternatives; they are not asserted as a requirement for every borrower.
Agriculture Loan Application Form — Individual/Non-Individual, Co-Applicant, Beneficiary and KSR (English) · pages 5–6, 8–15 and 20 · effective 2 Feb 2026 · accessed 24 Sept 2026Open official source ↗
Table 10 · 12 rows · 3 columnsSBI conditional loan-policy charges that may apply to a term-loan sanctionThe bank-wide policy is not a Fishing / Processing product tariff. A row applies only if the relevant facility, sanction covenant and breach trigger exist; the full source policy and its exemptions govern.View tableHide table

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SBI conditional loan-policy charges that may apply to a term-loan sanction
Policy clauseBreach / eventPublished charge and trigger
1.1Irregular term-loan or demand-loan accountUp to 60 days: 2.40% p.a. on irregular amount for the irregular period; beyond 60 continuous days: 5.00% p.a. on irregular amount for the irregular period
1.2Late stock statements, only if the sanction requires themFirst 15 days after due date: ₹5,000; over 15 days: 0.50% p.a., minimum ₹5,000, on sanctioned limit for delay
1.3Late renewal data, including audited balance sheet, when requiredFirst 15 days after due date: ₹5,000; over 15 days: 0.50% p.a., minimum ₹5,000, on sanctioned limit for delay
1.4Late perfection of security, if a security deadline is stipulatedFirst 15 days: ₹5,000; over 15 days: 0.50% p.a., minimum ₹5,000, on sanctioned limit during delay
1.5Non-renewal or expired ECR, where applicable to sanctionFirst 15 days: ₹5,000; over 15 days: 0.50% p.a., minimum ₹5,000, on sanctioned limit; policy lists public-sector/government exemptions
1.6Late/non-submission of FFRs, if requiredFirst 15 days: ₹5,000; over 15 days: 0.50% p.a., minimum ₹5,000, on sanctioned limit; -and-better rated borrowers have a 30-day nil period
1.7Late insurance renewal or inadequate cover, if requiredFirst 15 days: ₹5,000; over 15 days: 0.50% p.a., minimum ₹5,000, on sanctioned limit for delay
1.10Cross-default with another bank, AIFI or 1.20% p.a. on outstanding if the other-bank irregularity is not regularised within 30 days
1.11Diversion of funds2.20% p.a. on outstanding amount until the position is rectified
1.15Prepayment/pre-closure of a term/demand loan2.00% of amount prepaid, subject to the policy's borrower, facility, repayment-source and lender-action exemptions
1.16Term-loan scheduled drawdown delayed by more than 2 months0.60% p.a. on amount due under the schedule but not disbursed, during the delay
1.17Other breach of a sanction-letter term1.00% p.a. on outstanding credit-facility balance for the default period; examples include missing end-use declarations, certificate renewals and agreed sales-routing/equity conditions
  • Policy charges are applied monthly for the actual non-compliance period; total penal charges are capped at 5% p.a. of the higher of sanctioned limit or outstanding balance, regardless of breach count. is generally not applicable to penal charges except prepayment/foreclosure and commitment charges. -only covenant tests, export-credit-only charges and facility-specific clauses are not assigned to this product. Check the sanction and complete policy before applying any charge.
Policy on Penal Charges in Loans and Advances · pages 1–7, clauses 1.1–1.7, 1.10–1.11, 1.15–1.17 and policy-wide notes · effective 1 Jan 2026 · accessed 25 Sept 2026Open official source ↗

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