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Agri Clinic and Agri Business Centres (ACABC)

Term finance for trained agriculture professionals establishing advisory, input, custom-hiring, animal-care, post-harvest and other agri-business ventures, with credit-linked subsidy.

Interest rateNo product-specific percentage is published; the official page directs applicants to Indian Bank's lending-rates link.Maximum amountSubsidy project-cost ceiling ₹20 lakh for an individual (₹25 lakh for an extremely successful individual project) and ₹1 crore for a group project of at least five trained persons; finance can be higher if technically and financially viable, but subsidy remains scheme-limited.TenureFive to ten years depending on activity, including a maximum two-year moratorium.
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Quick eligibility check

Agri Clinic and Agri Business Centres (ACABC)

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 age meet this requirement: applicants must meet the age, agriculture-qualification and training requirements?

Published source: Minimum income

2Are you aged 21 to 60?

Published source: Eligibility

3Does your age meet this requirement: after training, credit may continue up to age 62?

Published source: Eligibility

4Do you meet this requirement: MANAGE/NTI training is 45 days, and serving/retired pensionary staff do not receive subsidy benefits?

Published source: Eligibility

5Do you meet this requirement: Applicants are generally 21–60 years?

6Document checkDo you have this required document or proof: Qualification and age proof?

Published source: Required documents

7Document checkDo you have this required document or proof: 45-day MANAGE/NTI training certificate?

Published source: Required documents

8Document checkDo you have this required document or proof: Detailed project report and quotations?

Published source: Required documents

9Document checkDo you have this required document or proof: KYC, margin and subsidy documentation?

Published source: Required documents
0 of 9 answeredAnswer the remaining questions to see your checklist result.
✓ Manually checked 31 Aug 2026 · active
Offered byIndian Bank

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 for an agriculture professional's agri-clinic or agri-business-centre project.View source
The page lists term loan as the available facility.
Source
ACABC — Indian Bank
Page / section
Type of Facility; scheme objective
Accessed
31 Aug 2026
Confidence
high
Open official source ↗
Interest rateNo product-specific percentage is published; the official page directs applicants to Indian Bank's lending-rates link.View source
The page refers applicants to the lending-rates link without a numeric ACABC rate.
Source
Indian Bank ACABC rate review
Page / section
Interest Rates
Accessed
31 Aug 2026
Confidence
high
Open official source ↗
BenchmarkNo named benchmark or spread is published on the product page.View source
Only a lending-rate reference is provided.
Source
Indian Bank ACABC benchmark review
Page / section
Interest Rates
Accessed
31 Aug 2026
Confidence
high
Open official source ↗
APRNo separate APR percentage is published.View source
The page publishes subsidy, margin, security and repayment but no .
Source
Indian Bank ACABC review
Page / section
Complete product criteria
Accessed
31 Aug 2026
Confidence
high
Open official source ↗
Minimum incomeNo income threshold is published; applicants must meet the age, agriculture-qualification and training requirements.View source
The scheme uses qualification, age and 45-day training criteria rather than a salary floor.
Source
Indian Bank ACABC eligibility review
Page / section
Eligibility; training
Accessed
31 Aug 2026
Confidence
high
Open official source ↗
Maximum amountSubsidy project-cost ceiling ₹20 lakh for an individual (₹25 lakh for an extremely successful individual project) and ₹1 crore for a group project of at least five trained persons; finance can be higher if technically and financially viable, but subsidy remains scheme-limited.View source
The page distinguishes subsidy ceilings from the higher amount that may be sanctioned based on project viability.
Source
Indian Bank ACABC quantum
Page / section
Quantum of Finance
Accessed
31 Aug 2026
Confidence
high
Open official source ↗
TenureFive to ten years depending on activity, including a maximum two-year moratorium.View source
The page publishes a 5–10 year period including up to two years' moratorium.
Source
Indian Bank ACABC repayment
Page / section
Repayment
Accessed
31 Aug 2026
Confidence
high
Open official source ↗
Processing feeAs per the service-charge circular for agricultural advances; no numeric ACABC fee is published on the product page.View source
The page refers to the agricultural-advance service-charge circular.
Source
Indian Bank ACABC fee review
Page / section
Processing & Other Charges
Accessed
31 Aug 2026
Confidence
high
Open official source ↗
Prepayment / foreclosureNo separate prepayment or foreclosure charge is published.View source
The page publishes repayment and security but no foreclosure charge.
Source
Indian Bank ACABC prepayment review
Page / section
Complete product criteria
Accessed
31 Aug 2026
Confidence
high
Open official source ↗
EligibilityApplicants aged 21–60 with eligible agriculture/allied graduate, diploma or postgraduate-diploma qualifications; after training, credit may continue up to age 62. MANAGE/NTI training is 45 days, and serving/retired pensionary staff do not receive subsidy benefits.View source
The official eligibility and training sections publish age, qualification, training and subsidy restrictions.
Source
Indian Bank ACABC eligibility
Page / section
Eligibility; training and handholding
Accessed
31 Aug 2026
Confidence
high
Open official source ↗
Required documentsQualification and age proof, MANAGE/NTI training certificate, detailed project report, quotations, KYC, subsidy records, margin and project-security/insurance documents.View source
The page requires training and project documentation for Jan Samarth/Agri Infra submission and loan appraisal.
Source
Indian Bank ACABC documentation
Page / section
Eligibility; training; quantum; security
Accessed
31 Aug 2026
Confidence
high
Open official source ↗

Benefits and features

  • Individual project subsidy ceiling ₹20 lakh, or ₹25 lakh for extremely successful individual projects
  • Group project ceiling up to ₹1 crore for groups of at least five trained persons
  • 44% subsidy for women/SC/ST/PwP and NE/Hill candidates; 36% for others
  • Repayment five to ten years including up to two-year moratorium

Eligibility

  • Applicants are generally 21–60 years; the upper age for credit after training is 62. Eligible qualifications include agriculture and allied graduates, three-year diplomas with at least 50% marks and postgraduate diplomas.
  • Serving and retired pensionary staff are not eligible for subsidy benefits; a one-year post-qualification gap is required for training consideration.

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

Documents the bank lists

  • Qualification and age proof
  • 45-day MANAGE/NTI training certificate
  • Detailed project report and quotations
  • , margin and subsidy documentation
  • Land/lease, security and insurance records

Related official documents

Agri Clinic and Agri Business Centres (ACABC) — Indian Bank official product pageofficial-product-page · current · accessed 31 Aug 2026
↗

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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.

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Eligibility · Published detailAge 21–60; credit after training up to 62; agriculture/allied graduate or diploma/postgraduate diploma; 45-day MANAGE/NTI training.

This value is copied from ACABC — published terms. Check the table notes before relying on it.

Source: ACABC — Indian Bank · Complete product criteria Open official source ↗

Published tables

Complete rates, limits and schedules

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

Table 1 · 8 rows · 2 columnsACABC — published termsCurrent Indian Bank ACABC qualification, subsidy, finance, margin, security and repayment.View tableHide table

Scroll sideways to view every column

ACABC — published terms
ParameterPublished detail
EligibilityAge 21–60; credit after training up to 62; agriculture/allied graduate or diploma/postgraduate diploma; 45-day MANAGE/NTI training.
FacilityTerm loan.
Finance ceilingIndividual project ₹20 lakh; extremely successful individual ₹25 lakh; group of at least five trained persons ₹1 crore; viability may permit higher finance but subsidy remains capped.
MarginUp to ₹5 lakh no margin; above ₹5 lakh 15% of project outlay.
Subsidy44% of project cost/TFO for women, SC/ST/PwP and NE/Hill candidates; 36% for others; back-ended with minimum three-year lock-in.
RepaymentFive to ten years including up to two-year moratorium.
SecurityUp to ₹20 lakh hypothecation of created assets; above ₹20 lakh adds third-party guarantee and mortgage covering at least 100% of loan.
Rate / feeRefer lending rates and agri service-charge circular; no product-specific number on page.
ACABC — Indian Bank · Complete product criteria · accessed 31 Aug 2026Open official source ↗

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