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
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.
Priority sector benefits. CGTMSE coverage. Right lender matching.
Everything your agri-allied business needs — in one place.
