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Bank of Maharashtra Agri-Clinic and Agri-Business Centre Loan

Term finance for qualified candidates aged 18 to 60 to establish an agri-clinic or agri-business centre, up to ₹20 lakh individually or ₹1 crore for a five-member group, with five-to-ten-year repayment and eligible subsidy.

Interest rateUp to ₹25 lakh: current 11.60% p.a. for activities outside MSMED norms; current 11.05% p.a. for qualifying MSMED activities without collateral concession. Above ₹25 lakh: risk-based pricing.Maximum amountIndividual: ₹20 lakh. Group of five eligible members: ₹1 crore.TenureFive to ten years depending on project cash flow.
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Quick eligibility check

Bank of Maharashtra Agri-Clinic and Agri-Business Centre Loan

0 of 9 answered

Answer what you know. This guide compares your answers with the criteria published for this product; it is not an approval decision. Your answers stay on this device.

1Does your annual income meet this requirement: No salary floor applies?

Published source: Eligibility / qualification

2Do you meet this requirement: Applicants must be 18–60, meet a published agriculture/allied education route and complete MANAGE-approved training?

Published source: Eligibility / qualification

3Do you meet this requirement: Applicants must be 18 to 60 and meet one of the published agriculture/allied qualification routes?

4Do you meet this requirement: A MANAGE-approved training programme is required?

5Do you meet this requirement: Qualification thresholds include at least 50% for specified diplomas, more than 60% agriculture content for specified degree/diploma routes, or at least 55% in plus-two agriculture?

6Document checkDo you have this required document or proof: Loan application Form 138 and Enclosure B2?

Published source: Eligibility / qualification

7Document checkDo you have this required document or proof: Applicable agriculture/allied qualification certificates and marksheets?

Published source: Eligibility / qualification

8Document checkDo you have this required document or proof: MANAGE-approved training completion evidence?

Published source: Eligibility / qualification

9Document checkDo you have this required document or proof: 7/12, 8A and 6D land extracts and boundary record?

Published source: Eligibility / qualification
0 of 9 answeredAnswer the remaining questions to see your checklist result.
✓ Manually checked 31 Aug 2026 · active
Offered byBank of Maharashtra

India

Key facts

What the official sources publish

Every value belongs to this exact product. Expand any fact to inspect its official evidence in place.

Loan typeTerm loan to establish an agri-clinic or agri-business centre.View source
The page publishes the facility type and both permitted purposes.
Source
Agri-Clinic and Agri-Business Centre Loan
Page / section
Type of Facility; Purpose
Accessed
31 Aug 2026
Confidence
high
Open official source ↗
Interest rateUp to ₹25 lakh: current 11.60% p.a. for activities outside MSMED norms; current 11.05% p.a. for qualifying MSMED activities without collateral concession. Above ₹25 lakh: risk-based pricing.View source
Published formulas use 9.00% one-year or 8.05% plus exact BSS/spreads.
Source
Agri-Clinic and Agri-Business Centre Loan and current benchmark notice
Page / section
Rate of Interest; page 1
Accessed
31 Aug 2026
Confidence
high
Open official source ↗
BenchmarkNon-MSMED: one-year MCLR 9.00% + BSS 0.50% + 2.10%. MSMED: RLLR 8.05% + 2.50% + BSS 0.50%.View source
The current notice publishes one-year and ; the product page supplies both formulas.
Source
with effect from 25.07.2026
Page / section
page 1
Accessed
31 Aug 2026
Confidence
high
Open official source ↗
APRNot published.View source
No fee-inclusive is published in the reviewed official sources.
Source
Agri-Clinic and Agri-Business Centre Loan
Page / section
Complete product table, and linked current schedules
Accessed
31 Aug 2026
Confidence
high
Open official source ↗
Eligibility / qualificationNo salary floor applies. Applicants must be 18–60, meet a published agriculture/allied education route and complete MANAGE-approved training.View source
The official criteria are age, education and training based rather than salary based.
Source
Agri-Clinic and Agri-Business Centre Loan
Page / section
Eligibility; Other Terms & Conditions; 2 and 8
Accessed
31 Aug 2026
Confidence
high
Open official source ↗
Maximum amountIndividual: ₹20 lakh. Group of five eligible members: ₹1 crore.View source
Both individual and five-member group caps are published and repeated in the .
Source
Agri-Clinic and Agri-Business Centre Loan
Page / section
Amount; 3
Accessed
31 Aug 2026
Confidence
high
Open official source ↗
TenureFive to ten years depending on project cash flow.View source
The published range is cash-flow dependent.
Source
Agri-Clinic and Agri-Business Centre Loan
Page / section
Repayment; 7
Accessed
31 Aug 2026
Confidence
high
Open official source ↗
Processing feeAgriculture/MSME term-loan tariff: nil up to ₹5 lakh; 1% above ₹5 lakh to ₹25 crore.View source
The current term-loan table explicitly includes and agriculture credit.
Source
Service Charges - Commercial, and Agriculture Credit
Page / section
Processing Fees - Term Loan: including Agriculture Credit
Accessed
31 Aug 2026
Confidence
high
Open official source ↗
Prepayment charge2% of the prepaid amount when prepayment exceeds 25% of the sanctioned limit; nil when principal outstanding is below 25% of sanctioned limit; not applicable to Micro and Small Enterprises.View source
The product can qualify as an ; the published exemption is therefore retained explicitly.
Source
Service Charges - All Credit
Page / section
Prepayment Charges - Term Loan
Accessed
31 Aug 2026
Confidence
high
Open official source ↗

Benefits and features

  • Individual maximum ₹20 lakh; five-member group maximum ₹1 crore
  • Nil margin up to ₹5 lakh
  • Five to ten years
  • 36% capital-cost subsidy for eligible projects
  • 44% subsidy for specified disadvantaged categories and regions

Eligibility

  • Applicants must be 18 to 60 and meet one of the published agriculture/allied qualification routes. A MANAGE-approved training programme is required. Qualification thresholds include at least 50% for specified diplomas, more than 60% agriculture content for specified degree/diploma routes, or at least 55% in plus-two agriculture.

Passing a listed condition does not mean the bank will approve an application.

Documents the bank lists

  • Loan application Form 138 and Enclosure B2
  • Applicable agriculture/allied qualification certificates and marksheets
  • MANAGE-approved training completion evidence
  • 7/12, 8A and 6D land extracts and boundary record
  • No-dues certificates including PACS
  • Panel-advocate legal search above ₹5 lakh where land is mortgaged
  • Project quotations, plan estimates and permissions
  • Guarantee Form F-138 and guarantor land/PACS records where applicable

Related official documents

Financing for Setting Up of Agri-Clinics and Agri-Business Centers for Agriculture Graduatesofficial-product-page · current · accessed 31 Aug 2026
↗
Bank of Maharashtra Service Charges - Commercial, MSME and Agriculture Creditofficial-pdf · current · accessed 31 Aug 2026
↗
Marginal Cost of Funds Based Lending Rates with effect from 25.07.2026official-pdf · current · accessed 31 Aug 2026
↗

Plan before applying

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Loan repayment estimate

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One monthly payment₹21,696twenty-one thousand six hundred ninety-six rupees
Interest paid over the full loan₹27,06,939twenty-seven lakh six thousand nine hundred thirty-nine rupees
Everything you repay₹52,06,939fifty-two lakh six thousand nine hundred thirty-nine rupees

This is only an estimate, not a bank or insurer offer. The final amount can change because of taxes, fees, rate changes and provider rules.

Use the published table

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Facility · Published detailTerm Loan

This value is copied from Agri-Clinic and Agri-Business Centre Loan - complete published scheme table. Check the table notes before relying on it.

Source: Agri-Clinic and Agri-Business Centre Loan · Complete scheme table and complete Open official source ↗

Published tables

Complete rates, limits and schedules

Tables preserve every reviewed row and column from the cited official source.

Table 1 · 14 rows · 2 columnsAgri-Clinic and Agri-Business Centre Loan - complete published scheme tableView tableHide table

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Agri-Clinic and Agri-Business Centre Loan - complete published scheme table
ParticularPublished detail
FacilityTerm Loan
PurposeSet up an agri-clinic or agri-business centre
Age18–60
Eligible qualificationsRecognised agriculture/allied graduates; specified diploma/PG diploma holders with at least 50%; biological-science graduates with agriculture/allied PG; recognised courses with >60% agriculture content; plus-two agriculture with at least 55%
AmountIndividual maximum ₹20 lakh; five-member group maximum ₹1 crore
MarginNil up to ₹5 lakh; 15%–25% above, with concessions for specified categories/regions
Rate - non-MSMED up to ₹25 lakh1-year +BSS 0.50%+2.10%; current 11.60%
Rate - MSMED up to ₹25 lakh+2.50%+BSS 0.50% without collateral concession; current 11.05%
Rate above ₹25 lakhRisk-based pricing
SecurityUp to ₹5 lakh: financed assets; above ₹5 lakh: financed assets plus land/other-property mortgage
RepaymentFive to ten years based on cash flow
Subsidy36% credit-linked composite subsidy; 44% for SC/ST/women/other disadvantaged candidates and North-Eastern/Hill States
TrainingMANAGE-approved training programme required
DocumentsForm 138/B2; land extracts/boundaries; no-dues including PACS; legal search above ₹5 lakh where mortgaged; project quotations/estimates/permissions; guarantee and guarantor records
Agri-Clinic and Agri-Business Centre Loan · Complete scheme table and complete · accessed 31 Aug 2026Open official source ↗
Table 2 · 5 rows · 3 columnsBank of Maharashtra MCLR effective 25 July 2026View tableHide table

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Bank of Maharashtra MCLR effective 25 July 2026
TenorResidual maturity p.a.
Overnight1 day7.30%
One monthMore than 1 day to 1 month8.30%
Three monthsMore than 1 month to 3 months8.55%
Six monthsMore than 3 months to 6 months8.90%
One yearMore than 6 months9.00%
with effect from 25.07.2026 · page 1 · accessed 31 Aug 2026Open official source ↗
Table 3 · 7 rows · 3 columnsCurrent agriculture term-loan processing and prepayment chargesView tableHide table

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Current agriculture term-loan processing and prepayment charges
ChargeLimit / conditionPublished charge
Processing feeUp to ₹5 lakhNil
Processing feeAbove ₹5 lakh to ₹25 crore1%
Processing feeAbove ₹25 crore to ₹100 crore0.80%
Processing feeAbove ₹100 crore to ₹500 crore0.70%
Term-loan prepaymentPrepayment exceeds 25% of sanctioned limit2% of prepaid amount
Term-loan prepaymentPrincipal outstanding below 25% of sanctioned limitNil
Term-loan prepaymentMicro and Small EnterpriseNot applicable
Service Charges - Commercial, and Agriculture Credit · Processing Fees - Term Loan; All Credit - Prepayment Charges · accessed 31 Aug 2026Open official source ↗

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