Work & Business Apply for Farmer Loan
Farmer Loan
Credit that follows the harvest calendar.
A seasonal loan for farmers (seeds, fertiliser, equipment, labour) with repayment aligned to the harvest cycle. Works alongside your KCC.
₹25,000 – ₹5 LakhAmount
6 months – 18 monthsTenure
12% p.a.Rate from
48 hoursDisbursal
Who it's for
Built for these borrowers.
- Small and marginal farmers
- KCC holders needing a top-up above KCC limit
- Farmer Producer Organisation (FPO) members
Eligibility & documents
What we'll need from you.
Eligibility
- Land ownership or long-term lease (5+ years)
- PAN and Aadhaar
- KCC holder or crop insurance beneficiary preferred
- Age 21–65
Documents
- PAN and Aadhaar
- Land record (7/12 extract, khasra, or equivalent)
- KCC / crop insurance / FPO membership (any one)
- Bank account into which subsidy/MSP is credited
Use cases
What borrowers actually use this for.
- Seed and fertiliser for a new sowing season
- Renting a tractor or thresher during peak season
- Drip irrigation, poly-house, or storage upgrade
- Livestock purchase or dairy expansion
EMI calculator
See what farmer loan will cost you.
FAQs
Answers to what people ask.
Isn't KCC enough for farm credit?
KCC is great for baseline working capital. This loan sits on top, for one-off spends or when KCC limits are exhausted.
Is repayment linked to harvest?
Yes. Your EMI schedule can align to harvest months, with lighter monthly interest-only payments in between.
Do you need land as collateral?
For smaller tickets, no. For higher-ticket loans, land may be marked as collateral. The exact structure is on the key-fact statement.
Can I use this for livestock?
Yes. Dairy cattle, poultry, and small-ruminant purchases are supported.
What about crop failure?
If you have crop insurance, we work with you to restructure the EMI. Talk to us early. Silence makes things harder.
