Agriculture finance

Eligible beneficiaries are individual entrepreneurs, private companies, Farmer Producer Organisations (FPOs), Section 8 companies, Micro, Small and Medium Enterprises (MSMEs) and dairy cooperatives.

10 years including 2-year principal moratorium

7% p.a. for limits up to ₹2 lakh, subject to government interest subvention

Nil up to aggregate ₹3 lakh

Owner cultivators, tenant farmers, oral lessees, sharecroppers, and farmer SHGs/JLGs

Up to ₹2 lakh: DP Note plus hypothecation of crops/assets financed. Above ₹2 lakh: those securities plus equitable/registered mortgage of land or third-party guarantee.

Production credit is a revolving agricultural cash-credit account subject to annual review and valid for 5 years. Investment credit is a demand or term loan repaid quarterly, half-yearly or annually based on the farmer’s income generation.

Progressive/scientific farmers, corporate farmers, FPOs/FPCs, companies of farmers, proprietorships, partnerships, farmer cooperatives, large owner-cultivators, individual/joint borrowers and lease cultivators. Existing BKCC borrowers may qualify subject to no double financing of the same land parcel.

Minimum ₹5 lakh and maximum ₹10 crore. Working-capital finance can consider 150%, 200% or 250% of the applicable scale of finance multiplied by cultivated area, plus 30% for miscellaneous post-harvest, repair, maintenance and insurance expenses.

One-year MCLR + Strategic Premium: +1.25% for ₹5–25 lakh, +1.50% above ₹25–200 lakh, +2.00% above ₹200–500 lakh and +2.50% above ₹500 lakh.

Working-capital margin is nil. Primary security is hypothecation of crops/assets created from finance. Collateral may be agricultural-land mortgage, or eligible substitute property/securities equal to the required value or shortfall.

Due date is tied to the crop cycle: 12 months for short-term crops and 18 months for long-term crops from disbursement.

Individual farmers or joint borrowers who have held a Bank of Baroda Kisan Baroda Kisan Credit Card (BKCC) for at least 2 years and have a satisfactory repayment record on all advance accounts.

Up to 50% of the BKCC limit, subject to a maximum of ₹1 lakh.

Not published on the reviewed product page. The page publishes the facility purpose, amount, fees, security and 36-month period but no numeric rate or benchmark.

Existing BKCC security is extended. Existing norms allowing no collateral security up to ₹1.60 lakh apply when the combined limit remains within ₹1.60 lakh.

Repayment period is 36 months.

Construction or refurbishment of household toilets and improvement of drinking-water facilities, including water tanks, bore wells and water connections.

Individuals, JLGs, SHGs and weaker-section persons with a Bank of Baroda banking relationship of at least 6 months. The borrower must own or possess the household property and the water/toilet work must be built within it.

Minimum ₹20,000 and maximum ₹1 lakh, subject to project cost.

One-year MCLR plus Strategic Premium plus 0.50%.

10%.

Nil processing charge.

Term loan repayable in 60 months by monthly, quarterly or half-yearly instalments, including a moratorium of up to 3 months.

Bill/invoice discounting for eligible vendors and sub-vendors supplying investment-grade anchor corporates, providing finance with reduced or no collateral requirements.

Large manufacturers/service providers: turnover ₹200–₹2,000 crore, external rating BBB or higher, positive operating profit for at least 3 years and minimum 5-year establishment. Small manufacturers/service providers or sub-vendors: turnover ₹50–₹200 crore, positive operating profit for at least 2 years, minimum 3-year establishment and CMR 1–5.

No numeric minimum or maximum sanctioned amount is published. The page says vendors receive a higher quantum than the conventional route because the margin is much lower, but the actual limit is set within appraisal and the anchor/vendor programme.

Competitive pricing linked to BRLLR/Repo rate/MCLR.

10% of bill/invoice amount.

Not published on the reviewed product page. The Interest Rates & Charges section identifies benchmark-linked pricing but does not state processing, documentation, inspection, renewal, bill or prepayment charges, and no product tariff is linked.

Finance is provided for 90 days.

New or existing food and agro-based processing units, including takeovers from other banks. Eligible constitutions include individuals, proprietorships, partnerships, private/public companies and LLPs.

The page publishes various concessions on charges, including processing and documentation charges, but no fixed rupee amount or percentage.

Working-capital facilities: 12 months. Term loans: up to 144 months case by case, subject to annual review.

Short-term credit for conversion, organic inputs, certification and recurring cultivation costs, with cash-credit access and a RuPay debit card.

Loans up to ₹3 lakh are charged at 7% p.a. subject to government interest subvention, with an additional 3% Prompt Repayment Incentive for timely repayment under KCC guidelines. Loan limits above ₹3 lakh receive a 0.50% interest concession.

Up to ₹2 lakh: DP note and hypothecation of crops/assets financed by the bank. Above ₹2 lakh: the same plus equitable or registered mortgage of land or a third-party guarantee. Organic certificates must be produced within the stipulated time to retain the concessional rate, and funds must be used only for organic-compliant inputs and activities.

Aggregate loans up to ₹3 lakh: nil. Above ₹3 lakh to ₹10 lakh: ₹250 per lakh or part thereof plus GST. Above ₹10 lakh: ₹350 per lakh or part thereof plus GST.

Not published on the reviewed official page. The page describes the facility as short-term credit and gives a processing/inspection schedule, but no numeric repayment months, instalments or moratorium are stated.

Term-loan or working-capital facilities for new scientific storage capacity such as godowns, dry warehouses, cold storage, cold chains, silos and market yards.

Individuals, farmer groups/growers, registered FPOs, proprietorships, partnerships, companies, corporations, NGOs, SHGs, government autonomous bodies, cooperatives, marketing federations and state agencies including warehousing corporations and civil-supplies corporations.

Minimum ₹25 lakh and maximum ₹100 crore.

For CR-1 to CR-3, spreads range from MCLR+SP+0.45% to +1.10% as collateral coverage falls. For CR-4 to CR-6, spreads range from +0.95% to +2.25% across the same coverage bands.

25% of project cost.

Processing charges are nil up to aggregate loan limit of ₹3 lakh. Inspection charges are nil up to aggregate loan limit of ₹3 lakh. Food Corporation of India collection charges are stated as 100% waived in favour of the borrower.

Term loan: 3 to 15 years including up to 24 months moratorium, with monthly, quarterly, half-yearly or yearly instalments. Working capital: 12 months with annual review.

Farmers, SHGs, JLGs, farmer proprietorships, corporate farmers, FPOs/companies of individual farmers, partnerships and farmer cooperatives directly engaged in agriculture/allied activities can borrow up to ₹75 lakh against pledged or hypothecated produce for up to 12 months. Food and agro-processing units may have aggregate banking-system limits up to ₹100 crore. Eligible receipts include government warehouse receipts, WDRA E-NWRs from NERL/CCRL, empanelled collateral-manager receipts and approved private warehouse/cold-storage receipts.

Maximum ₹75 lakh for directly engaged farmers against produce and maximum ₹100 crore aggregate banking-system limit for food and agro-processing units.

Minimum 30%.

Maximum 12 months.

Cultivation, seeds, fertilisers, pesticides, labour charges, irrigation cess and post-harvest activities.

Farmers, agricultural enterprises and eligible rural borrowers

The official page does not publish a numeric maximum or minimum loan amount. Its MITC instead gives rate bands for limits up to ₹3 lakh, above ₹3 lakh and below ₹25 lakh, and ₹25 lakh and above.

Up to ₹3 lakh: one-year MCLR + Strategic Premium. Above ₹3 lakh and below ₹25 lakh: one-year MCLR + Strategic Premium +1.25%. For ₹25 lakh and above with a period under 3 years: one-year MCLR + Strategic Premium +2.00%.

Up to ₹1.60 lakh: DP note and hypothecation of crops/assets financed. Above ₹1.60 lakh: the same plus equitable or registered mortgage of land or a third-party guarantee.

Published purpose-specific ceilings are up to ₹40 lakh for dealers/distributors of cattle or poultry feed and up to ₹30 lakh for sprinklers, drip irrigation and agricultural machinery. The page gives no overall scheme limit.

No product-specific processing, renewal or other borrower fee is published on the reviewed page.

12 months.

Finance for agencies providing services to farmers, including tractors, bulldozers, aerial-spraying aircraft/helicopters, drilling rigs, lift-irrigation equipment, harvesters, threshers, cold stores, warehouses, transport trucks/trailers, excavators, milk/poultry tankers, bullock carts, curing barns, canning/processing and grading facilities.

Individuals, entrepreneurs, organisations, institutions, corporations such as agro-industries corporations, market yards or authorised market-yard licensees, warehouses, panchayats and agro-service centres with viable farmer-service schemes.

The page does not publish a minimum or maximum sanctioned facility amount. The amount is assessed against the proposed machinery, working-capital need, margin and repayment capacity.

15%.

Finance to establish agriclinics and agribusiness centres that provide agricultural extension and related services to farmers, on a paid or free basis according to the entrepreneur's business model and local affordability.

Individual projects: ₹20 lakh, or ₹25 lakh for extremely successful individual projects. Group projects: ₹20 lakh per trained person with an overall ceiling of ₹100 lakh, whichever is lower for subsidy purposes.

Up to ₹5 lakh: hypothecation of assets with no collateral security. Above ₹5 lakh: asset hypothecation plus mortgage of land or third-party guarantee.

5 to 10 years depending on activity, with a maximum moratorium of 2 years.

Individuals cultivating crops as land owners, permanent tenants or reasonably long-term leaseholders with productive use for the construction. Farmhouse/dwelling applicants must own the land and have sufficient income for instalments.

No cap on loan amount.

Farmhouse/dwelling unit: up to 15 years. Other farm structures: up to 7–10 years depending on the project.

Capital expenditure and working capital for dairy, piggery, poultry, fishery, sericulture up to cocoon stage, sheep, goat and camel rearing, including sheds, animals, chicks, equipment, vehicles, feed, labour and marketing.

All persons, including small and marginal farmers and agricultural labourers engaged in agriculture and allied activities.

Need-based: funding depends on the overall capital expenditure, working capital and the customer's margin contribution. No universal minimum or maximum loan amount is published.

New four-wheeler purchase for farm pre- and post-harvest activities, transporting the farmer's own produce and personal use.

Up to ₹30 lakh for a new vehicle.

Composite hypothecation agreement for agricultural advances.

Processing charge is ₹1,500 + GST for loans up to ₹10 lakh (₹10,00,000), and ₹2,000 + GST above ₹10 lakh. Inspection charges are nil for aggregate loan limits up to ₹3 lakh (₹3,00,000).

Repayment is over 7 years. Instalments may be monthly, quarterly, half-yearly or yearly, based on the cropping pattern or income generation.

Term-loan finance for establishing biogas plants fed with locally available biomass.

For limits up to ₹3 lakh: one-year MCLR + SP. Above ₹3 lakh and below ₹25 lakh: one-year MCLR + SP + 1.25%. At ₹25 lakh and above: one-year MCLR + SP + 2.10% for a term of 3 to 5 years, or +2.15% for above 5 years up to 7 years.

Processing is nil for aggregate agriculture exposure up to ₹3 lakh. Above ₹3 lakh, it is 1% of the sanctioned limit capped at ₹100 lakh. Inspection is nil up to ₹3 lakh, ₹250 above ₹3 lakh to ₹10 lakh, ₹1,000 above ₹10 lakh to ₹1 crore, and ₹5,000 above ₹1 crore.

Term-loan repayment must not exceed 7 years for plants sized 2–4 cubic metres and must not exceed 5 years for plants sized 6 cubic metres and above. The page does not publish a numeric moratorium.

Persons cultivating crops as land owners, permanent tenants or reasonably long-term lease-holders.

The official page publishes charge and margin thresholds but no minimum or maximum sanctioned loan amount. The limit is assessed against the irrigation investment, asset life, margin and repayment capacity.

Up to 9 years, depending on investment purpose and asset economic life.

Term-loan finance for greenhouses, polyhouses, shade-net houses, plastic and walk-in tunnels, anti-bird/anti-hail nets, plastic mulching, hydroponics, aquaponics, aeroponics and related components/equipment.

Individual farmers, SHGs, JLGs, farmer proprietorships, landless labourers, tenant farmers, oral lessees, sharecroppers, corporate farmers, FPO/FPC companies, partnerships and farmer cooperatives engaged in agriculture or allied activities.

Processing and inspection charges are nil for aggregate loans up to ₹3 lakh (₹3,00,000). Above ₹3 lakh, processing is 1% of the sanctioned limit, capped at ₹100 lakh (₹1,00,00,000). Inspection is ₹250 above ₹3 lakh to ₹10 lakh, ₹1,000 above ₹10 lakh to ₹1 crore and ₹5,000 above ₹1 crore. Prepayment charges are nil.

3 to 9 years with a 3–12 month moratorium, based on purpose, asset life and project cash flow.

Term-loan finance for farmers installing solar-energy home-lighting systems in rural and semi-urban areas, especially existing BKCC holders without reliable domestic electricity.

Up to ₹50,000.

Within 5 years.

New tractors, tractor-drawn implements, power tillers and other agricultural machinery.

A numeric minimum, maximum or overall loan ceiling is not published on the reviewed product page. The MITC publishes only rate bands for limits up to ₹3 lakh, above ₹3 lakh and below ₹25 lakh, and ₹25 lakh and above.

Up to ₹3 lakh: one-year MCLR + SP. Above ₹3 lakh and below ₹25 lakh: +1.25%. ₹25 lakh and above: +2.00% below 3 years, +2.10% for 3–5 years and +2.15% for above 5–7 years.

Minimum 25%.

Finance for upgrading existing micro food-processing enterprises, with support for individual units, FPOs, SHGs and cooperatives, plus branding, marketing, common processing/lab/storage/packaging facilities and technical support.

Working-capital fund-based: ₹250 per lakh or part above ₹3 lakh to ₹10 lakh, and ₹350 per lakh or part above ₹10 lakh, plus GST. Non-fund-based charges are 50% of fund-based charges. Fresh term loan above ₹3 lakh: 1% of sanctioned limit plus GST. Term-loan review above ₹3 lakh: ₹60 per lakh or part, plus GST.

Working capital is 12 months. Term loan is up to 84 months including a 12-month moratorium, subject to annual review.

Loans for emergency needs, livelihood development, high-cost debt swapping, asset acquisition and income-generating agricultural, allied and non-agricultural activities, based on the group's credit plan.

The SHG must have been active for at least 6 months, practise the Panchasutras (regular meetings, savings, inter-loaning, repayment and up-to-date books) and meet NABARD grading norms. Revived defunct groups qualify after at least 3 months of renewed activity.

Cash credit/overdraft: 12 months with annual review. Demand/term loans: 24–84 months or the applicable scheme/project period.

The page does not publish a universal minimum or maximum loan amount. It instead states that capital and maintenance costs are financed, with margin and pricing determined by facility type and limit bands.

Up to ₹3 lakh: one-year MCLR + SP. Above ₹3 lakh and below ₹25 lakh: one-year MCLR + SP +1.25%. ₹25 lakh and above: +2.00% for under-three-year CC/OD/DL, +2.10% for 3–5 years and +2.15% above 5–7 years.

Processing is waived for aggregate agriculture exposure up to ₹3 lakh. Above ₹3 lakh, the term/demand loan processing charge is 1% of the sanctioned limit, capped at ₹100 lakh.

Cash-credit or term-loan finance for groups of 4–10 individuals from the same village, area or neighbourhood who undertake agriculture/allied activities and accept mutual liability.

Members should have similar socio-economic backgrounds, undertake farming or allied activities, reside nearby, know and trust each other, and not have defaulted with another formal financial institution. More than one member from a family cannot join the same JLG.

Maximum ₹1 lakh per individual and ₹10 lakh per JLG.

No processing, documentation or inspection charge is levied when per-member exposure is up to ₹25,000. The reviewed page does not publish a numeric charge for higher per-member exposure.

Processing is nil up to ₹25,000. For amounts above ₹25,000 up to ₹25 lakh, applicable charges plus GST apply. Pre-closure/prepayment charges are nil.

Term-loan finance for a solar photovoltaic water-pumping system comprising PV array, motor pump set, interconnect cables and electronics.

Individuals, groups of individuals, SHGs, JLGs, NGOs, farmer clubs and farmer producer organisations.

The page does not publish a universal minimum or maximum loan amount. It finances the solar photovoltaic pump project and uses ₹3 lakh, ₹25 lakh and tenor bands for pricing and charges, not as an overall facility ceiling.

Minimum 20% of total project outlay.

Maximum 10 years.

Demand loan, term loan or overdraft against the bank's fixed/short deposit receipt.

Individuals who self-declare or provide proof that they are engaged in agriculture, or that the LABOD/ODBOD proceeds will be used for agriculture.

10% against duly discharged fixed/short deposit receipts of all tenors.

Nil.

New, existing or takeover food and agro-based processing units operated by individuals, proprietorships, partnerships, private/public limited companies or LLPs. If trading is also undertaken, trading sales must not exceed 49% of total annual sales and the working-capital limit must be under sole banking arrangement.

BRLLR plus spread by internal credit rating: CR-1 +0.65%, CR-2/CR-3 +0.70%, CR-4/CR-5 +0.90%, and CR-6 or below +1.15%.

₹175 per lakh, representing a 50% concession in processing and documentation charges.

12 months.

Short-term credit for coffee, inter-crops and other plantation crops, including post-harvest expenses, produce marketing, household consumption, farm-asset maintenance, dairy/poultry/inland fisheries and crop/asset/health insurance premiums.

Savings Bank rate of interest is paid to farmers on the credit balance maintained in the Planters Card account. The page does not publish a numeric borrowing rate for the card facility.

Component A: project cost ₹3.5 crore/MW, maximum ₹7 crore for 2 MW and maximum loan ₹10 crore. Component B: ₹3.25 lakh per pump with maximum loan ₹0.97 lakh. Component C: ₹4.50 lakh per pump with maximum loan ₹1.35 lakh.

Up to ₹3 lakh: one-year MCLR + SP. Above ₹3 lakh and below ₹25 lakh: one-year MCLR + SP + 1.25%. For ₹25 lakh and above: +2.00% below 3 years, +2.10% for 3–5 years, +2.15% above 5–10 years and +2.95% above 10 years.

Primary security is hypothecation of the financed assets. Mortgage of land or a third-party guarantee applies according to the bank’s agriculture-security norms and the component/loan structure.

Component A: up to 15 years including 6-month moratorium. Components B/C: up to 10 years including 6-month moratorium. Margin is 30% for A and 10% for B/C.

Eligible micro, small and medium enterprises

No collateral is required. The bank may hypothecate assets created from its finance, and the loan is covered under CGTMSE.

Nil

Finance for purchasing estates growing coffee, tea, rubber, cardamom, cashew, pepper, coconut and other perennial orchard crops.

Owners of agricultural land, tenant farmers and oral lessees who preferably already have yielding estates and can rejuvenate the estate proposed for purchase, while meeting applicable State Government agriculturist or income norms.

No fixed minimum or maximum loan amount is published. The amount is assessed from the estate valuation, purchase consideration, guidance/circle rate, recent local registered-sale prices and the proposed plantation project.

For cash credit/OD and demand loans below 3 years: CR1 +1.50%, CR2 +1.75%, CR3 +2.00%, CR4 +2.50%, CR5 +2.75%, CR6–CR10 +3.25% over one-year MCLR + SP. Term loans of 3 years or more range from one-year MCLR + SP + 1.60% to +3.35%.

Mortgage of the estate purchased and hypothecation of plantation crops raised on it, with collateral mortgage of landed property, preferably residential property.

Compressed-biogas plants anywhere in India with designed capacity of at least 2.0 tonnes per day, promoted by entrepreneurs holding an Oil Marketing Company LOI for production and supply of CBG. Eligible constitutions include proprietorships, partnerships, LLPs, companies and cooperatives permitted by the Ministry of Petroleum and Natural Gas.

No minimum or maximum rupee facility amount is published. The scheme can provide working capital, term loan, bank guarantee or letter of credit for an eligible CBG plant with designed capacity of at least 2.0 tonnes per day.

For aggregate limits up to ₹50 crore, BRLLR + SP +0.50% to +5.40% depending on internal rating and immovable-property security coverage. Above ₹50 crore up to ₹100 crore, add 1% over the applicable up-to-₹50-crore rate. MNRE central financial assistance is ₹4 crore per 4,800 kg/day CBG generated from 12,000 cubic metres/day biogas, capped at ₹10 crore per project.

25% for working capital and 30% for term loan.

Demand or term loans for land reclamation and soil improvement, on-farm development, soil/water conservation, land clearance, levelling, bunding, terracing, contour works, drains, roads, saline/alkaline/ravine reclamation and fencing.

Small/marginal farmers, SHGs, JLGs and FPO/FPCs: up to 180 months with holiday up to 23 months. Others: up to 84 months with holiday up to 11 months.

Finance may support dairy, fishery, animal husbandry, poultry, beekeeping, input purchase, warehouse receipts, marketing infrastructure, common service/processing centres, irrigation, farm equipment, high-tech equipment, member produce purchase, member on-lending and other productive agriculture activities.

Registered Farmer Producer Organisations/Companies with at least 3 months of operations since registration.

15%.

Cash credit: 12 months subject to annual renewal. Term loan: 3–7 years including a 3–12 month moratorium, with monthly, quarterly, half-yearly or yearly instalments based on project cash flow.

Term finance to establish a new small dairy unit with 2–10 milch animals, using state-specific NABARD per-animal cost.

Individuals, farmers and members of NGOs, SHGs or JLGs aged 21–65 when the facility is availed.

Minimum 10%.

Up to 5 years including a 3-month moratorium.

Provide demand or term finance to NBFC-MFIs for onward lending to qualifying individuals and groups under RBI Priority Sector criteria.

NBFC-MFIs engaged in on-lending to individuals or groups for activities eligible for Priority Sector classification under Agriculture, MSME and other RBI-defined categories.

Loans up to ₹3 lakh: one-year MCLR + SP + 0.50%. Above ₹3 lakh and below ₹25 lakh: one-year MCLR + SP + 1.50%. At ₹25 lakh and above, the spread depends on internal credit rating: CR-1 +1.40%, CR-2 +1.65%, CR-3 +1.90%, CR-4 +2.40%, CR-5 +3.40%, and CR-6 or below +5.40%.

10% on book debts created from funds borrowed from Bank of Baroda.

Not published. The page offers demand-loan and term-loan facilities and says the 10% cash collateral term deposit is kept for the loan tenure, but it does not state a numeric repayment period, maturity or renewal cycle.

Inland and marine fisheries/aquaculture, mariculture and seaweed, North-Eastern/Himalayan fisheries, ornamental fisheries, technology, post-harvest/cold chain, marketing infrastructure, deep-sea vessels, aquatic health, monitoring/control/surveillance and fisher safety/security.

Fishers, fish farmers, fish workers and vendors, fisheries corporations, SHGs/JLGs, cooperatives/federations, entrepreneurs, private firms, LLPs, companies, cooperative societies and fish-farmer producer organisations/companies.

Funding is need-based for the project or borrower. Credit-guarantee coverage may be available under CGTMSE for eligible loans up to ₹2 crore.

Up to ₹2 crore: one-year MCLR + 100 basis points. Above ₹2 crore: MCLR + SP + 0.30% to +2.25% based on internal credit rating and immovable-security coverage.

15%.

Post-harvest management and community-farming assets including warehouses, silos, pack houses, assaying, sorting/grading, cold chains, logistics, primary processing, ripening chambers, organic and bio-stimulant units, smart/precision agriculture and crop-cluster supply-chain infrastructure.

PACS, marketing cooperative societies, JLGs, FPOs, SHGs, multipurpose cooperatives, agri-entrepreneurs, startups, aggregation infrastructure providers and central/state/local-government-sponsored PPP projects.

Up to ₹2 crore: one-year MCLR plus 100 basis points, floating, capped at 9.00%. Above ₹2 crore, spreads range by internal rating and immovable-property security coverage from MCLR + SP +0.30% to +1.40%.

For loans up to ₹2 crore, eligible borrowers may receive CGTMSE credit-guarantee coverage. Security also includes hypothecation of movable structures, equipment and machinery financed by the Bank, mortgage of fixed-asset land and buildings, personal guarantees of proprietors/partners/promoters/directors and any other security acceptable to the Bank.

3 to 15 years including a moratorium of 6 months to 2 years.

Term finance to purchase, develop and cultivate agricultural, fallow or waste land, including diversification into allied activities and income enhancement for small and marginal farmers.

7 to 12 years with half-yearly or yearly instalments, including a maximum moratorium of 24 months.

Up to ₹3 lakh for individuals and up to ₹30 lakh for institutions.

Maximum 24 months for individuals and 36 months for institutions, with a moratorium of up to 3 months.

Not published on the reviewed product page. The official page publishes margins, LTV bands and fixed rates but no minimum or maximum rupee loan amount.

Minimum margin is 15% for agricultural/agri-hiring, 20% for agri-cum-commercial and 30% for Tatkal Tractor. Corresponding maximum LTV is 85%, 80% and 70%.

New motorcycle or scooter purchase for farmers.

New and existing farmers engaged in agriculture or allied activities with repayment capacity based on crops, allied activities or other income sources.

Up to ₹3 lakh.

Up to ₹1 lakh: monthly, quarterly, half-yearly or yearly instalments based on income pattern. Above ₹1 lakh: monthly instalments with maximum 1-month moratorium.

Demand loan for farmers and cash-credit pledge facility for food and agro-processing units.

30%.

Up to 12 months.

Any individual, woman, proprietary concern, partnership firm, private limited company or other entity setting up/upgrading a qualifying micro enterprise.

Maximum ₹10 lakh for term loan and/or working capital.

Agriculture commodity traders, commission agents and arthias meeting MSMED investment criteria, with valid Udyam and GST registrations.

Above ₹10 lakh and up to ₹2 crore.

Demand loan repayable within 12 months.

25%.