Empower your farming operations with specialized agricultural loans. From purchasing equipment and seeds to building infrastructure and irrigation systems, we support the complete agricultural value chain.
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Combine your loan with these subsidies to reduce costs and maximize benefits
Subsidy on micro-irrigation systems
Dairy and poultry subsidies up to 33%
Interest subvention of 2% + 3% prompt repayment
Farm mechanization subsidies
Find answers to commonly asked questions about our agriculture loan offerings
A loan for farming, dairy, poultry, fisheries, food processing, and other agriculture-related activities. Agri loans get special benefits because banks are required to lend to this sector under RBI’s Priority Sector Lending norms making them generally more accessible and cheaper than regular business loans.
Farmers, agri-entrepreneurs, dairy and poultry operators, fisheries, food processing units, and Farmer Producer Organisations (FPOs). Both individuals and groups (Joint Liability Groups, Self-Help Groups) can apply. Tenant farmers are also eligible for many schemes. Specific criteria depend on loan type and lender.
Crop loans (short-term, repaid after harvest), Kisan Credit Card (KCC- flexible revolving credit), term loans (for equipment, dairy/poultry setup, infrastructure), and agri-business loans (food processing, cold storage, agri-tech). Each has different repayment structures and eligibility.
KCC gives farmers flexible access to credit for crop production, post-harvest expenses, and farm maintenance. If you repay on time, the effective interest rate can be as low as 4% p.a. (subject to government subvention and lender terms). Available through most public sector and cooperative banks.
For crop loans and KCC up to ₹1.6 Lakh no collateral required (RBI guideline). Above that, banks may ask for charge on agricultural land. For agri-business term loans, it depends on loan size and lender CGTMSE and NABARD supported collateral-free options may be available for eligible projects.
Interest subvention on crop loans up to ₹3 Lakh (effective rate as low as 4% p.a. for timely repayment); NABARD schemes for dairy/poultry/rural infrastructure; DEDS capital subsidy for dairy; Agriculture Infrastructure Fund (AIF) with interest subvention + CGTMSE coverage; and state-level subsidies for irrigation, horticulture, and farm mechanisation. LoanVittus helps identify applicable schemes based on your project type.
PAN, Aadhaar, land records (7/12 extract, title deed) or tenancy agreement, crop or business details, bank statements, and project cost estimates (for term loans). For agri-business term loans, a DPR is usually required. Specific requirements vary by loan type and lender.
Currently, we provide guidance on scheme eligibility, documentation requirements, and general loan readiness. Full agri DPR generation is under development and will launch soon covering dairy, poultry, food processing, cold storage, fisheries, and aquaculture. Sign up on the platform to be notified when it goes live.
Agri loans get special treatment: lower interest rates (with government subsidy), relaxed collateral rules, repayment aligned with harvest cycles (not fixed monthly EMIs for crop loans), and priority sector status. These benefits make agri lending significantly more affordable for eligible borrowers.
KCC and crop loans: 7-15 working days. Equipment term loans: 15-30 days. Agri-business projects (with DPR): 30-60 days. Timelines vary significantly between cooperative and commercial banks. Complete documentation and a well-prepared DPR reduce processing time.
Important: Agri project DPR generation is coming soon. Currently, LoanVittus provides guidance and scheme information for agriculture loans. Sign up to be notified when this feature launches.
Priority sector benefits. CGTMSE coverage. Right lender matching.
Everything your agri-allied business needs in one place.
