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Loan — Agri Allied Activities

finance for allied-agriculture micro businesses, with Shishu, Kishore, Tarun and conditional Tarun Plus limits; published facilities include term loans, cash credit and overdraft/dropline overdraft.

Loan amount and PMMY stagesShishu: up to ₹50,000; Kishore: ₹50,001–₹5 lakh; Tarun: above ₹5 lakh to ₹10 lakh; Tarun Plus: above ₹10 lakh to ₹20 lakh only for an entrepreneur who has successfully repaid a previous Tarun loan. The same page's opening paragraph still says loans up to ₹10 lakh, so its introduction is inconsistent with its later Tarun Plus bullet.Interest rate — source conflictSBI's Allied Agri page prints 3.25% above EBLR and states 12.15% p.a. effective 15 February 2025. The agriculture rate sheet as on 15 December 2025 instead names AGRI MUDRA FOR ALLIED ACTIVITIES at 1-year MCLR +1.00%. SBI's complete 15 September 2026 agriculture rate schedule has no named MUDRA row; its PMMY business page says only competitive pricing linked to EBLR. SBI has not published a current crosswalk reconciling these spreads, so no current effective rate is inferred.Eligible customer/entity typesIndividuals, sole proprietorships, partnership firms excluding corporate bodies and institutions, SHGs and JLGs engaged in allied-agriculture activities.
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Loan — Agri Allied Activities

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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: Allied-agriculture activities listed by SBI are dairy, poultry, fisheries, sericulture, piggery, sheep/goat rearing, beekeeping and mushroom cultivation?

Published source: Eligibility and activities

2Do you meet this requirement: Tarun Plus requires successful repayment of an earlier Tarun loan?

Published source: Eligibility and activities

3Do you meet this requirement: SBI's PMMY application form also says the applicant should not be a defaulter with any bank or financial institution?

Published source: Eligibility and activities

4Do you meet this requirement: six months of bank statements if banked?

Published source: Application checklist — scope varies by amount

5Do you meet this requirement: two years of balance sheets and tax returns for loans of ₹2 lakh and above?

Published source: Application checklist — scope varies by amount

6Document checkDo you have this required document or proof: SBI's PMMY form labels the above-₹50,000 checklist indicative and non-exhaustive; it lists identity/address and business-identity proofs, six months of bank statements if banked, and additional financial/project records for loans of ₹2 lakh and above. The separate Shishu form has its own checklist for loans up to ₹50,000. Local requirements can add documents?

Published source: Application checklist — scope varies by amount

7Document checkDo you have this required document or proof: For PMMY loans above ₹50,000, SBI's form gives an indicative, non-exhaustive checklist: self-certified identity proof?

Published source: Application checklist — scope varies by amount

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

Published source: Application checklist — scope varies by amount

9Document checkDo you have this required document or proof: social-category proof where claimed?

Published source: Application checklist — scope varies by amount
0 of 9 answeredAnswer the remaining questions to see your checklist result.
✓ Manually checked 24 Sept 2026 · active
Offered byState Bank of India

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.

FacilityTerm loan, cash credit, overdraft and dropline overdraft; the Allied Agri booklet specifically names overdraft and dropline overdraft.Effective 26 Mar 2025View source
The page describes TL, CC, and dropline terms; the Allied Agri booklet panel specifies and dropline .
Source
-Allied Agri page and Bouquet of Products and Services v3.0
Page / section
page — Repayment and Primary Security; booklet printed page 36 / physical page 43
Accessed
24 Sept 2026
Confidence
high
Open official source ↗
Eligibility and activitiesAllied-agriculture activities listed by SBI are dairy, poultry, fisheries, sericulture, piggery, sheep/goat rearing, beekeeping and mushroom cultivation. Tarun Plus requires successful repayment of an earlier Tarun loan. SBI's PMMY application form also says the applicant should not be a defaulter with any bank or financial institution.Effective 26 Mar 2025View source
The application form says the applicant should not be a defaulter; the named page limits Tarun Plus to entrepreneurs who have availed and successfully repaid a prior Tarun loan; the agriculture booklet names the eligible entities and activities.
Source
-Allied Agri page, Bouquet of Products and Services v3.0, and Loan Application Form — English
Page / section
Allied Agri page — Eligibility and Tarun Plus; booklet printed p.36 / p.43; application form pp.3 and 5
Accessed
24 Sept 2026
Confidence
high
Open official source ↗
Interest rate — source conflictSBI's Allied Agri page prints 3.25% above EBLR and states 12.15% p.a. effective 15 February 2025. The agriculture rate sheet as on 15 December 2025 instead names AGRI MUDRA FOR ALLIED ACTIVITIES at 1-year MCLR +1.00%. SBI's complete 15 September 2026 agriculture rate schedule has no named MUDRA row; its PMMY business page says only competitive pricing linked to EBLR. SBI has not published a current crosswalk reconciling these spreads, so no current effective rate is inferred.Effective 15 Dec 2025View source
The named Allied Agri page says 3.25% above (12.15% w.e.f. 15.02.2025); the later 15.12.2025 agriculture schedule names AGRI FOR ALLIED ACTIVITIES at 1 Year +1.00%; the latest 15.09.2026 agriculture schedule has no row. The general page says competitive pricing linked to without a spread.
Source
-Allied Agri page; Agriculture Business rate schedules as on 15 December 2025 and 15 September 2026; business page
Page / section
Allied Agri page — ; 15 December 2025 rate p.3, row 32; 15 September 2026 six-page rate , complete rate table; business page — Pricing
Accessed
24 Sept 2026
Confidence
high
Open official source ↗
Processing / upfront feeThe SBI PMMY business page says nil for Shishu and Kishore loans to MSE units, and 0.50% of the loan amount plus applicable tax for Tarun. The page is last updated 3 December 2025 and caps PMMY at ₹10 lakh; it does not state the fee for Tarun Plus, which the Allied Agri page lists up to ₹20 lakh. Do not extend Tarun's fee to Tarun Plus without SBI confirmation.Effective 3 Dec 2025View source
publishes nil for Shishu and Kishore to units and 0.50% plus applicable tax of loan amount for Tarun. The broader page identifies allied agriculture as a target sector but its terms stop at Tarun; its applicability to the newer Tarun Plus band is not stated.
Source
— Business / Government Schemes
Page / section
Processing Fee / Upfront Fee; page last updated 3 December 2025
Accessed
24 Sept 2026
Confidence
high
Open official source ↗
Application checklist — scope varies by amountFor PMMY loans above ₹50,000, SBI's form gives an indicative, non-exhaustive checklist: self-certified identity proof; residence proof; social-category proof where claimed; business identity/address and relevant licences/registrations; six months of bank statements if banked; two years of balance sheets and tax returns for loans of ₹2 lakh and above; projected statements for working-capital limits and for the term-loan period where loans are ₹2 lakh and above; current-year sales figures; project report; constitution documents such as memorandum/articles or partnership deed; a guarantee/net-worth statement where required; and two borrower photographs. Its separate Shishu form for loans up to ₹50,000 lists identity and residence proof, two recent photographs, supplier quotation/details for the proposed purchase, business proof if available and social-category proof if claimed. The forms state that local requirements can add documents; this is not a fixed universal list for every borrower.Effective 14 Nov 2025View source
Page 4 labels its list an indicative, non-exhaustive check list and states additional local requirements may be added. Page 6 is explicitly the Shishu checklist for loans up to ₹50,000.
Source
Loan Application Form — English
Page / section
pp.1–4, application above ₹50,000 and indicative checklist; p.5, Shishu application up to ₹50,000; p.6, Shishu checklist
Accessed
24 Sept 2026
Confidence
high
Open official source ↗
Collateral — source conflictSBI's Allied Agri page says no collateral security is to be obtained for loans up to ₹10 lakh. The reviewed SBI agriculture booklet v3 says collateral-free loans up to ₹20 lakh for MUDRA Allied Agri. The newer page does not specify collateral treatment for the ₹10–20 lakh Tarun Plus band; retain both statements and confirm that band with SBI.Effective 30 Apr 2025View source
The Allied Agri page states no collateral up to ₹10 lakh; the more broadly worded agriculture booklet row says collateral-free up to ₹20 lakh and cover available. No official page crosswalk resolves the ₹10–20 lakh difference.
Source
-Allied Agri page and Bouquet of Products and Services v3.0
Page / section
Allied Agri page — Collateral; booklet printed page 36 / physical page 43 — loan amount/security
Accessed
24 Sept 2026
Confidence
high
Open official source ↗
Repayment period and moratoriumTerm loan up to ₹5 lakh: 5 years; ₹5 lakh to ₹10 lakh: 7 years. TL/dropline OD below ₹5 lakh: maximum 5 years including up to 6 months' moratorium; from ₹5 lakh to ₹20 lakh: maximum 7 years including up to 12 months' moratorium. Cash credit is on demand.Effective 26 Mar 2025View source
gives separate repayment periods by facility and amount band, includes the stated maximum moratoria within the maximum period, and says CC is on demand.
Source
Pradhan Mantri Yojana ()-Allied Agri —
Page / section
Repayment Period for TL; Repayment — TL/Dropline and CC
Accessed
24 Sept 2026
Confidence
high
Open official source ↗
Eligible customer/entity typesIndividuals, sole proprietorships, partnership firms excluding corporate bodies and institutions, SHGs and JLGs engaged in allied-agriculture activities.Effective 30 Apr 2025View source
The named Allied Agri panel lists individuals, sole proprietorship, partnership firms except corporate bodies/institutions, and in allied agriculture.
Source
Bouquet of Products and Services v3.0 — Agriculture Loan Products
Page / section
Printed page 36 / physical page 43 — Loan, Allied Agri Activities
Accessed
24 Sept 2026
Confidence
high
Open official source ↗
PurposeFinance for non-corporate, non-farm micro enterprises in manufacturing, trading and services, including allied agricultural activities; the SBI booklet describes livelihood and income generation as the purpose of the allied-agriculture panel.Effective 26 Mar 2025View source
The page includes allied agricultural activities in the eligible small/micro enterprise sectors; the booklet's Allied Agri panel says the purpose is to create employment and generate livelihood income.
Source
-Allied Agri page and Bouquet of Products and Services v3.0
Page / section
-Allied Agri introduction and scheme target group; booklet printed page 36 / physical page 43
Accessed
24 Sept 2026
Confidence
high
Open official source ↗
Borrower marginNil up to ₹50,000; 20% above ₹50,001 to ₹20 lakh, as worded on SBI's Allied Agri page. The page does not explain the exact ₹50,001 boundary wording.Effective 26 Mar 2025View source
prints: up to ₹50,000 — nil; above ₹50,001 to ₹20 lakh — 20%. Wording is retained without interpolating the stated boundary.
Source
Pradhan Mantri Yojana ()-Allied Agri —
Page / section
Scheme — Margin
Accessed
24 Sept 2026
Confidence
high
Open official source ↗
Primary securityTerm loan: hypothecation of plant, machinery or other assets, or mortgage of land/property created from bank finance. Cash credit/overdraft: hypothecation of all stocks and receivables.Effective 26 Mar 2025View source
separates term-loan security from CC/ security and gives the listed hypothecation or mortgage types.
Source
Pradhan Mantri Yojana ()-Allied Agri —
Page / section
Primary Security
Accessed
24 Sept 2026
Confidence
high
Open official source ↗
SubsidyNilEffective 26 Mar 2025View source
The page states Subsidy: NIL.
Source
Pradhan Mantri Yojana ()-Allied Agri —
Page / section
Subsidy
Accessed
24 Sept 2026
Confidence
high
Open official source ↗
Credit guaranteeSBI's Allied Agri page says all MUDRA loans are covered under CGFMU and that the premium is recovered from the borrower. SBI's PMMY business page says the guarantee cover is 5 years and adds that MUDRA advances have a maximum period of 60 months; this is not reconciled with the Allied Agri page's repayment term up to 7 years, including moratorium.Effective 3 Dec 2025View source
The Allied Agri page states all loans have cover and borrower-paid premium; the business page gives five years/60 months, while Allied Agri repayment reaches seven years for some bands.
Source
-Allied Agri and business product pages
Page / section
Allied Agri page — Credit Guarantee; business page — Other Conditions
Accessed
24 Sept 2026
Confidence
high
Open official source ↗
Information the PMMY application requestsThe above-₹50,000 form requests business constitution/address/activity, annual sales, existing bank facilities and asset classification, proposed facility amount and purpose, primary security, working-capital sales/inventory/debtor/creditor estimates, machinery/project costs, repayment/moratorium requested, and past/current/projected sales and profit. It requests these details but does not state a minimum turnover or business-vintage threshold.Effective 14 Nov 2025View source
The form contains fields for existing/proposed annual sales, facility use, project costs and historical/projection estimates. These are information requests, not a published minimum-turnover rule.
Source
Loan Application Form — English
Page / section
pp.1–3: business, banking/credit, proposed facilities, working-capital basis, equipment and past/future estimates
Accessed
24 Sept 2026
Confidence
high
Open official source ↗
Loan amount and PMMY stagesShishu: up to ₹50,000; Kishore: ₹50,001–₹5 lakh; Tarun: above ₹5 lakh to ₹10 lakh; Tarun Plus: above ₹10 lakh to ₹20 lakh only for an entrepreneur who has successfully repaid a previous Tarun loan. The same page's opening paragraph still says loans up to ₹10 lakh, so its introduction is inconsistent with its later Tarun Plus bullet.Effective 26 Mar 2025View source
The scheme bullets give the Shishu, Kishore and Tarun bands and a Tarun Plus band above ₹10 lakh to ₹20 lakh for borrowers who availed and successfully repaid a previous Tarun loan. The page introduction separately says up to ₹10 lakh.
Source
Pradhan Mantri Yojana ()-Allied Agri —
Page / section
Scheme — Loan Amount; Tarun Plus bullet; page introduction
Accessed
24 Sept 2026
Confidence
high
Open official source ↗

Benefits and features

  • The named Allied Agri page lists Shishu up to ₹50,000, Kishore ₹50,001–₹5 lakh, Tarun above ₹5 lakh to ₹10 lakh, and Tarun Plus above ₹10 lakh to ₹20 lakh for successful previous Tarun borrowers.
  • Term loan, cash credit, overdraft and dropline overdraft facilities are described.
  • The page says loans are covered by and that the guarantee premium is recovered from the borrower.

Eligibility

  • For allied agriculture, the booklet lists dairy, poultry, fisheries, sericulture, piggery, sheep/goat rearing, beekeeping and mushroom cultivation; it excludes corporate bodies and institutions from the listed entity types.
  • The application form says the applicant should not be a defaulter with any bank or financial institution.

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

Documents the bank lists

  • form labels the above-₹50,000 checklist indicative and non-exhaustive; it lists identity/address and business-identity proofs, six months of bank statements if banked, and additional financial/project records for loans of ₹2 lakh and above. The separate Shishu form has its own checklist for loans up to ₹50,000. Local requirements can add 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
↗
SBI Banks Agriculture Products — current official catalogueofficial-product-catalogue · current · accessed 25 Sept 2026
↗
Agriculture Business — Interest Rates on Loans & Advances, as on 15 December 2025official-pdf · historical · accessed 24 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
↗
Pradhan Mantri MUDRA Yojana (PMMY)-Allied Agri — current SBI product pageofficial-product-page · current · accessed 24 Sept 2026
↗
PMMY Loan Application Form — Englishofficial-application-form · current · accessed 24 Sept 2026
↗
Forms and Applications in Multiple Languages — SBI PMMY forms indexofficial-application-form-index · current · accessed 24 Sept 2026
↗
Pradhan Mantri MUDRA Yojana — current SBI Business/SME scheme pageofficial-product-page · current · accessed 24 Sept 2026
↗

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One monthly payment₹14,180fourteen thousand one hundred eighty rupees
Interest paid over the full loan₹9,03,175nine lakh three thousand one hundred seventy-five rupees
Everything you repay₹34,03,175thirty-four lakh three thousand one hundred seventy-five 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 · 16 rows · 2 columnsSBI PMMY — Allied Agri published termsThe named SBI Allied Agri page's published scheme terms. The opening paragraph still says loans up to ₹10 lakh, while its later Tarun Plus bullet extends the band to ₹20 lakh; this internal inconsistency is retained.View tableHide table

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SBI PMMY — Allied Agri published terms
ItemPublished term
Target groupMicro business enterprises in manufacturing, trading and services including allied agricultural activities; allied-agriculture product panel is for eligible small/micro enterprises
ShishuUp to ₹50,000
Kishore₹50,001 to ₹5 lakh
TarunAbove ₹5 lakh to ₹10 lakh
Tarun PlusAbove ₹10 lakh to ₹20 lakh, for entrepreneurs who previously availed and successfully repaid a Tarun loan
MarginUp to ₹50,000: nil; above ₹50,001 to ₹20 lakh: 20% (threshold wording as printed)
Rate on Allied Agri page3.25% above ; page states 12.15% p.a. effective 15 February 2025; see separate source-conflict table
Term-loan repayment periodUp to ₹5 lakh: 5 years; ₹5 lakh to ₹10 lakh: 7 years
TL / dropline repaymentBelow ₹5 lakh: maximum 5 years including up to 6-month moratorium; ₹5 lakh to ₹20 lakh: maximum 7 years including up to 12-month moratorium
Cash creditOn demand
Primary security — term loanHypothecation of plant/machinery or other assets, or mortgage of land/property created out of bank finance
Primary security — CC/Hypothecation of all stocks and receivables
CollateralNo collateral security up to ₹10 lakh on the named page; agriculture booklet v3 states collateral-free up to ₹20 lakh — unresolved difference for ₹10–20 lakh
SubsidyNil
Credit guaranteeAll loans covered by ; premium is recovered from borrower
Guarantee period separate business page says cover is 5 years / maximum advance period 60 months; Allied Agri page permits repayment up to 7 years — scope conflict retained
  • The current page's opening summary still describes the scheme as up to ₹10 lakh, despite the later Tarun Plus ₹10–20 lakh band on the same page.
  • Do not convert the printed spread and historical row into one current effective rate. The full source conflict is kept in the separate table below.
  • The Allied Agri page states its last update as 26 March 2025. business page, last updated 3 December 2025, expressly includes allied agriculture in its target group but still ends at Tarun / ₹10 lakh.
Pradhan Mantri Yojana ()-Allied Agri — · Scheme, Eligibility, Loan Amount, Margin, , Repayment, Primary Security, Collateral, Subsidy and Credit Guarantee; last updated 26 March 2025 · effective 26 Mar 2025 · accessed 24 Sept 2026Open official source ↗
Table 3 · 4 rows · 5 columnsMUDRA Allied Agri interest-rate statements by source versionSBI's dated statements are preserved without asserting that an older product-page or generic rate-sheet entry remains the current sanctioned price.View tableHide table

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MUDRA Allied Agri interest-rate statements by source version
Source/version product identificationPublished statementDate/scopeCurrent interpretation
-Allied Agri pageNamed Allied Agri offering3.25% above ; 12.15% p.a. stated effective 15 February 2025Page last updated 26 March 2025Explicit named formula, but numeric effective rate is dated and not refreshed on page
Agriculture Business rate scheduleRow 32: AGRI FOR ALLIED ACTIVITIES1-year +1.00%Schedule as on 15 December 2025; p.3Later named rate differs from the named page's formula
Agriculture Business rate scheduleComplete current 51-row September schedule; no named rowNo row appears in the current scheduleAs on 15 September 2026; all six pages reviewedDoes not establish a replacement rate
business page target group includes allied agricultureCompetitive pricing linked to ; no spread in the pricing linePage last updated 3 December 2025Does not resolve the spread or the 2025 row
  • Current effective price remains unresolved; no formula has been calculated from a generic / benchmark.
Agriculture Business — Interest Rates on Loans & Advances, as on 15 December 2025 · p.3 row 32, in comparison with page and the complete 15 September 2026 agriculture schedule · effective 15 Dec 2025 · accessed 24 Sept 2026Open official source ↗
Table 4 · 13 rows · 3 columnsPMMY application — indicative checklist for loans above ₹50,000Transcription of the SBI application form's above-₹50,000 checklist. SBI explicitly says the list is indicative, non-exhaustive and may be extended for local requirements.View tableHide table

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PMMY application — indicative checklist for loans above ₹50,000
No.Document / conditionPublished applicability or qualification
1Self-certified identity proof: voter , driving licence, , Aadhaar or passportApplicant / proprietor / partners / directors as relevant to the entity
2Residence proof: recent telephone/electricity bill, property-tax receipt not older than 2 months, voter , Aadhaar or passportApplicant / proprietor / partners / directors as relevant
3Proof of SC/ST/OBC/minority categoryWhen the category applies / is claimed
4Business-enterprise identity/address proof, including relevant licence or registration certificate / ownership, identity and address documentsAs applicable to the business unit
5Applicant should not be a defaulter in any bank / financial institutionApplication-form condition
6Six months of account statements from the existing bankerIf the applicant has an existing banker
7Last two years' balance sheets with income-tax / sales-tax returns etc.Loans from ₹2 lakh and above; form wording says applicable for all such cases
8Projected balance sheets: one year for working-capital limits or for the term-loan periodLoans from ₹2 lakh and above
9Sales achieved during current financial year up to application dateRequested financial information; no minimum sales amount is specified
10Project report describing technical and economic viabilityFor the proposed project
11Memorandum and articles of association or partnership deedAs applicable to the applicant's entity form
12Third-party guarantor's asset/liability statement; borrower net-worth information may also be soughtThe form uses conditional language; not a universal guarantee requirement
13Two photographs of proprietor / partners / directorsAs relevant to the applicant's entity form
  • This is not a fixed universal checklist: the form itself permits additional local requirements. Its financial-record thresholds are reproduced as printed and are not generalized into a minimum turnover threshold.
Loan Application Form — English · page 4 — CHECK LIST for application for loans above ₹50,000 · effective 14 Nov 2025 · accessed 24 Sept 2026Open official source ↗
Table 5 · 7 rows · 3 columnsPMMY Shishu application — checklist for loans up to ₹50,000Transcription of SBI's separate Shishu application-form checklist; do not apply it to higher PMMY bands.View tableHide table

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PMMY Shishu application — checklist for loans up to ₹50,000
No.Document / conditionPublished qualification
1Identity proof: self-attested voter , driving licence, , Aadhaar card, passport or government-issued photo Applicant
2Residence proof: recent telephone/electricity bill, property-tax receipt not older than 2 months, voter , Aadhaar, passport, bank passbook/recent statement attested by bank, or government/local-authority domicile certificateApplicant
3Two recent applicant photographsNot older than 6 months
4Quotation for machinery or other items to be purchasedFor the proposed purchase
5Supplier name/details and machinery/item priceFor the proposed purchase
6Business-enterprise identity/address proofRelevant licences/registration/other ownership, identity and address records, if any
7Proof of category such as SC/ST/OBC/minorityWhere applicable / claimed
  • Page 6 is explicitly headed Shishu; it separately states no processing fee, no collateral, repayment extended up to 5 years, and that the applicant should not be a bank/financial-institution defaulter.
Loan Application Form — English · page 6 — Shishu checklist and notes · effective 14 Nov 2025 · accessed 24 Sept 2026Open official source ↗
Table 6 · 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 7 · 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 8 · 4 rows · 4 columnsSBI AHIDF — official rate wording by sourceView tableHide table

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SBI AHIDF — official rate wording by source
Borrower / band product page15 September 2026 rate sheetResearch treatment
-category loans + 200 bpsProduct code row says + 200 bps; remarks say + 200Spread is 200 bps in both; retain / wording without treating acronyms as interchangeable proof
Non- below ₹50 lakh + 200 bps1-year + 200 bpsBenchmark conflict; leave the final applicable borrower rate unresolved
Non- ₹50 lakh and aboveAs per bank's extant guidelines1-year linked to CRAProduct page does not state this CRA-linked formula; retain both and confirm with
Rate-sheet rowNot stated as a numeric all-customer rateEB-TL-AGR- SCHEME; *; spread 2%; remarks contain the borrower bands aboveThe sheet does not give one guaranteed customer rate; / and rating/sanction conditions may apply
  • Benchmark reference block on page 1: 7.90% + + from 15 December 2025; 1-year 8.70% as at 15 September 2026. These references do not resolve the page-versus-row applicability conflict or produce a customer quote.
  • The complete 51-row rate table and benchmark table from this are also attached from the already-reviewed shared Agriculture rate source.
Agriculture Business — Interest Rates on Loans & Advances, as on 15 September 2026 · page 1, row 3 and / reference block; compared with page Interest Rate section · effective 15 Sept 2026 · accessed 24 Sept 2026Open official source ↗
Table 9 · 6 rows · 2 columnsSBI agriculture term-loan upfront fee and exemptionsView tableHide table

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SBI agriculture term-loan upfront fee 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 qualifying Micro/Small EnterpriseExempt if the borrower/unit meets the schedule classification
Term loan where upfront fee is recoveredNo separate loan processing charge
  • Upfront fee includes listed inspection, documentation, mortgage, , NeSL and CLP charges. Confirm borrower rating/classification, applicable exemption and with . This is not a flat -only fee.
Advances Related Service Charges — C&I, and AGL segments · pages 1–2, item 2(a), unified upfront fee and exemptions · effective 1 Jun 2025 · accessed 1 Sept 2026Open official source ↗
Table 10 · 6 rows · 2 columnsSBI standalone term-loan annual review chargesView tableHide table

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SBI standalone term-loan annual review charges
Sanction band / conditionCharge
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
Above ₹50 crore; CRA SB1–SB40.05%
Above ₹50 crore; CRA SB5–SB100.10%
Above ₹50 crore; literal tariff band “Below 10”0.15%; wording overlaps/ambiguous and is not interpreted here
  • Standalone term-loan review only; generally excluded when part of regular review/renewal, except through DCCO where working-capital limits are sanctioned. Staged disbursement uses sanctioned limit; after full disbursement and repayment commencement, it uses outstanding balance. Charged on anniversary of first disbursement. Some public-sector borrowers are exempt.
Advances Related Service Charges — C&I, and AGL segments · page 2, item 2(b), term-loan review charge and calculation rules · effective 1 Jun 2025 · accessed 1 Sept 2026Open official source ↗
Table 11 · 4 rows · 4 columnsSBI project appraisal fee for project term loansView tableHide table

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SBI project appraisal fee for project term loans
Project-loan quantumFee rateMinimumMaximum
Up to ₹25 crore1.10% of project cost₹11 lakh₹28 lakh
Above ₹25 crore to ₹50 crore0.85%₹28 lakh₹40 lakh
Above ₹50 crore to ₹100 crore0.55%₹40 lakh₹55 lakh
Above ₹100 crore0.30%₹55 lakhNegotiated in line with market conditions
  • The schedule says this applies to Project Term Loans only. It is conditional on classifying the sanction as such. It is additional to upfront fee when the appraisal note is shared in consortium/ lending.
Advances Related Service Charges — C&I, and AGL segments · page 2, item 2(d), Project Appraisal Fee · effective 1 Jun 2025 · accessed 1 Sept 2026Open official source ↗
Table 12 · 2 rows · 2 columnsSBI term-loan sanction revalidation chargeView tableHide table

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SBI term-loan sanction revalidation charge
Revalidated term-loan categoryRevalidation fee
Project loan30% of applicable Project Appraisal Fee
Other term loan50% of applicable unified upfront fee
  • Separate PF&S SBU staged fees are not assigned to without proof that this account is handled by that unit.
Advances Related Service Charges — C&I, and AGL segments · page 3, item 5(b), term-loan revalidation · effective 1 Jun 2025 · accessed 1 Sept 2026Open official source ↗

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