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Documents Required
- Proof of Identity (Passport / Voters ID card/ Driving License/PAN Card)
- Recent Passport size photograph
- Address Proof (Ration card Tel/ Electricity Bill/ Lease agreement/ Passport/Trade license /Sales Tax certificate)
- Proof of agricultural land/property- Tax receipts
Repayment options
The loan with interest shall be repaid within a maximum period of 120 months with monthly/ quarterly/ half yearly or annual instalments; depending upon the cash flow with a maximum cushion period of 12 months
Loan Amount
- Minimum loan shall be Rs.3L and maximum loan shall be Rs.10L.
- Loan amount will be 50% value of collateral security or 5 times the previous year's net agricultural income from agriculture and allied activities; whichever is lesser; subject to maximum of 75% of the proposed investment cost.
- Minimum margin: 25%
Security
Primary Security:
Hypothecation of all assets created out of loan including crops. Mortgage of agril. Landed property where agricultural activities are being undertaken. A margin of 25% shall be maintained on investment.
Collateral security:
Collateral security property shall have value of 200% of loan amount and shall be a residential property with or without house or a commercial property.
Other terms and conditions
Other terms and conditions
Spouse of the applicant shall join as Co-obligant for the loan. In case spouse is not available, one of the close relatives like father, mother, brother, sister, son or daughter shall join the documents as a co-obligant.
Interest Rates & Charges
Please visit the rates and charges page for details
