Personal, home, vehicle & other loans

Maha Krishi Samrudhi Yojana

Up to ₹100 crore in term, working-capital, export and non-fund facilities for new, expanding or acquired food, agro-processing and agriculture-infrastructure projects across India.

Interest rateCurrent risk-based range 8.15%-9.10% p.a. before eligible CMR concessions; effective rate cannot fall below RLLR.Maximum finance₹100 crore; no minimum amount.TenureTerm loan up to 10 years including moratorium; working capital repayable on demand and reviewed annually.

Official product page ↗Compare category

✓ 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, working capital, export credit, bill finance, letters of credit and bank guarantees.View source

Published product-page or tariff row reviewed in full.

Source: Maha Krishi Samrudhi Yojana
Page / section: Type of Facilities
Accessed: 31 Aug 2026
Confidence: high

Open official source ↗

Interest rateCurrent risk-based range 8.15%-9.10% p.a. before eligible CMR concessions; effective rate cannot fall below RLLR.View source

Published product-page or tariff row reviewed in full.

Source: MKSY and current notice
Page / section: ; concession; page 1
Accessed: 31 Aug 2026
Confidence: high

Open official source ↗

BenchmarkRLLR 8.05% + 0.10%-1.05%; eligible CMR 1-5 concessions range from 0.50% to 0.20%, subject to the RLLR floor.View source

Published product-page or tariff row reviewed in full.

Source: MKSY and effective 25.07.2026
Page / section: Product table; page 1
Accessed: 31 Aug 2026
Confidence: high

Open official source ↗

APRNot published.View source

Published product-page or tariff row reviewed in full.

Source: Maha Krishi Samrudhi Yojana
Page / section: Complete page and schedules
Accessed: 31 Aug 2026
Confidence: high

Open official source ↗

Eligibility / ratingNo salary floor. Eligible food, agro-processing or agriculture-infrastructure units qualify; internal rating applies above ₹25 lakh and external minimum BBB above ₹25 crore.View source

Published product-page or tariff row reviewed in full.

Source: Maha Krishi Samrudhi Yojana
Page / section: Eligibility; Credit Rating
Accessed: 31 Aug 2026
Confidence: high

Open official source ↗

Maximum finance₹100 crore; no minimum amount.View source

Published product-page or tariff row reviewed in full.

Source: Maha Krishi Samrudhi Yojana
Page / section: Quantum
Accessed: 31 Aug 2026
Confidence: high

Open official source ↗

TenureTerm loan up to 10 years including moratorium; working capital repayable on demand and reviewed annually.View source

Published product-page or tariff row reviewed in full.

Source: Maha Krishi Samrudhi Yojana
Page / section: Repayment; Review/Renewal
Accessed: 31 Aug 2026
Confidence: high

Open official source ↗

Processing feeNil for CMR 1-2; 50% concession for CMR 3-4; 25% concession for CMR 5-6 and unrated borrowers, applied to the current facility tariff.View source

Published product-page or tariff row reviewed in full.

Source: Maha Krishi Samrudhi Yojana
Page / section: Processing Fee
Accessed: 31 Aug 2026
Confidence: high

Open official source ↗

Prepayment / takeover chargeTerm loan: 2% when prepayment exceeds 25% of sanctioned limit. Cash credit: 2% of sanctioned limit only on takeover by another institution. MSEs exempt.View source

Published product-page or tariff row reviewed in full.

Source: Service Charges - All Credit
Page / section: Prepayment and takeover rows
Accessed: 31 Aug 2026
Confidence: high

Open official source ↗

Benefits and features

Maximum ₹100 crore
Term, working-capital, export-credit, bill, and facilities
Cluster-based -India finance
Up to 10 years for term loans
Rating-linked interest and fee concessions

Eligibility

For eligible new or existing food/agro-processing and agriculture-infrastructure units, including takeover proposals. Internal rating applies above ₹25 lakh to ₹25 crore; above ₹25 crore an external rating is required with minimum BBB.

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

Documents the bank lists

Entity and promoter
Constitution and registration records
Project report and cost evidence
Land, building and machinery records
Financial statements and projections
Internal or external credit-rating evidence as applicable
Takeover documents where applicable

Try the numbers

Private, instant and based on the values you enter.

Try your numbers

Loan repayment estimate

See what the loan could cost each month. Move any slider to try a different amount, rate or repayment time.

Amount you want to borrowThe money you would receive from the lender.₹twenty-five lakh rupees₹50,000₹2,00,00,000Yearly interest rateThe percentage charged on the outstanding loan each year.%2%30%Time to repayA longer time usually lowers the monthly payment but raises total interest. months6 months360 months

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

Find the exact published value

Choose a table, then pick its row and column. This shows the exact entry published by the bank or insurer without making you scan every cell.

TableParticular

Target group · Published detailFood and agro-based industries, agriculture infrastructure projects and startups

This value is copied from Maha Krishi Samrudhi Yojana - complete published table. Check the table notes before relying on it.

Source: Maha Krishi Samrudhi Yojana · Complete table Open official source ↗

Published tables

Complete rates, limits and schedules

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

Table 1 · 13 rows · 2 columnsMaha Krishi Samrudhi Yojana - complete published tableView tableHide table

Scroll sideways to view every column

Maha Krishi Samrudhi Yojana - complete published table
Particular	Published detail
Target group	Food and agro-based industries, agriculture infrastructure projects and startups
Eligibility	Individuals, proprietorships, partnerships, , and companies; new/existing/takeover food and agro-processing units under agriculture
Purpose	New project or expansion; land/building and plant/machinery; takeover; cluster approach across India
Facilities	Term loan, working capital, pre/post-shipment export credit, bill purchase/discounting, and
Quantum	No minimum; maximum ₹100 crore
Margin	Term loan 10%-25% case by case; working-capital stocks/book debts minimum 25%
Credit rating	Internal above ₹25 lakh to ₹25 crore; external above ₹25 crore, minimum BBB
	+0.10% to +1.05%
concessions	CMR1 0.50%; CMR2 0.45%; CMR3 0.40%; CMR4 0.35%; CMR5 0.20%; floor
Repayment	Term loan up to 10 years including moratorium; working capital on demand
Review	Working capital annually; term loans ₹25 lakh and above annually
Processing fee	Nil CMR1-2; 50% concession CMR3-4; 25% concession CMR5-6 and unrated
Scope	Cluster/ODOP approach, eligible government-scheme benefits and area-based projects

Maha Krishi Samrudhi Yojana · Complete table · accessed 31 Aug 2026Open official source ↗

Table 2 · 6 rows · 3 columnsBank of Maharashtra benchmark rates effective 25 July 2026View tableHide table

Scroll sideways to view every column

Bank of Maharashtra benchmark rates effective 25 July 2026
Benchmark / tenor	Residual maturity	Rate p.a.
Overnight	1 day	7.30%
One-month	>1 day to 1 month	8.30%
Three-month	>1 to 3 months	8.55%
Six-month	>3 to 6 months	8.90%
One-year	>6 months	9.00%
	External benchmark	8.05%

and effective 25.07.2026 · Page 1 · accessed 31 Aug 2026Open official source ↗

Related products

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.

View product

Bank of Maharashtra Agriculture Gold Loan

An agriculture term loan against pledged gold jewellery for crop, allied-activity and investment needs, up to ₹1 crore per borrower and repayable within 24 months.

View product

Bank of Maharashtra Agriculture Infrastructure Fund Loan

Seven-year term finance for viable post-harvest infrastructure and community farming assets, with benefits on up to ₹2 crore per project and 3% government interest subvention.

View product

Bank of Maharashtra AHIDF Loan

Eight-year term finance under for milk, meat and animal-feed processing infrastructure, with 3% interest subvention for regular repayment.

View product

Maha Krishi Samrudhi Yojana

What the official sources publish

Benefits and features

Eligibility

Documents the bank lists

Related official documents

Try the numbers

Loan repayment estimate

Find the exact published value

Complete rates, limits and schedules

Related products

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

Bank of Maharashtra Agriculture Gold Loan

Bank of Maharashtra Agriculture Infrastructure Fund Loan

Bank of Maharashtra AHIDF Loan