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Food and Agro Processing

Term-loan and cash-credit finance for food and agro-processing projects, with project-cost, turnover or cash-budget assessment and collateral rules by exposure.

Interest rateThe reviewed product page refers applicants to the bank's Lending Rates link; the official agriculture rate table does not publish a single numeric rate for this product.Maximum amountTerm loan is based on project cost; working capital up to ₹5 crore uses turnover method and amounts above ₹5 crore use MPBF II or cash-budget method; NFB is need-based.TenureTerm-loan repayment up to 15 years; working capital is one year with annual renewal. Commercial repayment may use cash-flow, ballooning, bullet or EMI structures.
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Quick eligibility check

Food and Agro Processing

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 turnover meet this requirement: project cost, turnover/MPBF or cash-budget assessment applies?

Published source: Minimum income

2Do you meet this requirement: Food and agro-processing units handling fruits, vegetables, meat, fish, dairy, oils/fats, grain and starch products, animal feed or other food/agro products?

Published source: Eligibility

3Do you meet this requirement: appraisal follows project cost and working-capital method?

Published source: Eligibility

4Do you meet this product condition: Project report, cost and machinery records, land/building title or lease, stock/book-debt statements, KYC and financial statements, and security/guarantee records as applicable?

Published source: Required documents

5Do you meet this requirement: Eligible activities cover processing/preservation of fruits, vegetables, meat, fish, crustaceans and molluscs?

6Document checkDo you have this required document or proof: Project report and cost estimates?

Published source: Required documents

7Document checkDo you have this required document or proof: Machinery, land and building quotations/title records?

Published source: Required documents

8Document checkDo you have this required document or proof: Working-capital stock and book-debt statements?

Published source: Required documents

9Document checkDo you have this required document or proof: KYC, constitution and financial statements?

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 and cash credit for food and agro-processing units.View source
The official facility section lists term loan and cash credit.
Source
Food and Agro Processing
Page / section
Type of Facility
Accessed
31 Aug 2026
Confidence
high
Open official source ↗
Interest rateThe reviewed product page refers applicants to the bank's Lending Rates link; the official agriculture rate table does not publish a single numeric rate for this product.View source
The page gives a lending-rates reference rather than a product percentage.
Source
Food and Agro Processing rate review
Page / section
Rate of Interest
Accessed
31 Aug 2026
Confidence
high
Open official source ↗
BenchmarkNo product-specific benchmark or spread is published; current lending rates apply.View source
The official page points to the Lending Rates link without a formula.
Source
Food and Agro Processing benchmark review
Page / section
Rate of Interest
Accessed
31 Aug 2026
Confidence
high
Open official source ↗
APRNo separate APR percentage is published.View source
No calculation appears in the official criteria.
Source
Food and Agro Processing review
Page / section
Complete product criteria
Accessed
31 Aug 2026
Confidence
high
Open official source ↗
Minimum incomeNo income threshold is published; project cost, turnover/MPBF or cash-budget assessment applies.View source
The official page sets assessment methods instead of a salary requirement.
Source
Food and Agro Processing eligibility review
Page / section
Quantum of finance
Accessed
31 Aug 2026
Confidence
high
Open official source ↗
Maximum amountTerm loan is based on project cost; working capital up to ₹5 crore uses turnover method and amounts above ₹5 crore use MPBF II or cash-budget method; NFB is need-based.View source
The page publishes project-cost, ₹5 crore turnover-method and /cash-budget bands.
Source
Food and Agro Processing quantum
Page / section
Quantum of finance
Accessed
31 Aug 2026
Confidence
high
Open official source ↗
TenureTerm-loan repayment up to 15 years; working capital is one year with annual renewal. Commercial repayment may use cash-flow, ballooning, bullet or EMI structures.View source
The official repayment section publishes 15 years for term loans and one-year renewable working capital.
Source
Food and Agro Processing repayment
Page / section
Repayment Period
Accessed
31 Aug 2026
Confidence
high
Open official source ↗
Processing feeAs per the service-charge circular for agricultural advances; no product-specific amount is printed on the page.View source
The official page refers to the service-charge circular rather than giving a number.
Source
Food and Agro Processing fee
Page / section
Processing Charges
Accessed
31 Aug 2026
Confidence
high
Open official source ↗
Prepayment / foreclosureNo separate prepayment or foreclosure charge is published.View source
The page sets repayment structures but no foreclosure charge.
Source
Food and Agro Processing prepayment review
Page / section
Complete product criteria
Accessed
31 Aug 2026
Confidence
high
Open official source ↗
EligibilityFood and agro-processing units handling fruits, vegetables, meat, fish, dairy, oils/fats, grain and starch products, animal feed or other food/agro products; appraisal follows project cost and working-capital method.View source
The objective and quantum sections list eligible processing activities and appraisal bands.
Source
Food and Agro Processing eligibility
Page / section
Objective; Quantum of finance
Accessed
31 Aug 2026
Confidence
high
Open official source ↗
Required documentsProject report, cost and machinery records, land/building title or lease, stock/book-debt statements, KYC and financial statements, and security/guarantee records as applicable.View source
The official page identifies project, working-capital margin, guarantee and security evidence needed for appraisal.
Source
Food and Agro Processing documentation
Page / section
Quantum; margin; security
Accessed
31 Aug 2026
Confidence
high
Open official source ↗

Benefits and features

  • Term loan based on project cost
  • Working-capital limits up to ₹5 crore by turnover method
  • Above ₹5 crore assessed under II or cash-budget method
  • Term-loan repayment up to 15 years
  • coverage available; collateral nil up to ₹20 lakh

Eligibility

  • Eligible activities cover processing/preservation of fruits, vegetables, meat, fish, crustaceans and molluscs; oils and fats; dairy; grain mills and starch; animal feed; and other food/agro products.
  • Working-capital margins are 20% for limits below ₹1 crore and 25% from ₹1 crore; book-debt margin is 25% up to 90 days.

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

Documents the bank lists

  • Project report and cost estimates
  • Machinery, land and building quotations/title records
  • Working-capital stock and book-debt statements
  • , constitution and financial statements
  • Security, guarantee and documents as applicable

Related official documents

Interest Rates for Agri Products and Interest Rate Range — Indian Bankofficial-rate-table · current · accessed 31 Aug 2026
↗
Food and Agro Processing — Indian Bank official product pageofficial-product-page · current · accessed 31 Aug 2026
↗

Plan before applying

Try the numbers

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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.

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.

Activities · Published detailFruit, vegetable, meat, fish, dairy, oil/fat, grain/starch, animal-feed and other food/agro processing.

This value is copied from Food and Agro Processing — published terms. Check the table notes before relying on it.

Source: Food and Agro Processing · 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 · 7 rows · 2 columnsFood and Agro Processing — published termsCurrent Indian Bank processing-unit finance, margins, repayment and security.View tableHide table

Scroll sideways to view every column

Food and Agro Processing — published terms
ParameterPublished detail
ActivitiesFruit, vegetable, meat, fish, dairy, oil/fat, grain/starch, animal-feed and other food/agro processing.
FacilityTerm loan and cash credit.
QuantumTerm loan by project cost; working capital up to ₹5 crore by turnover method; above ₹5 crore II/cash budget; NFB need-based.
MarginsTerm loan 25% new machinery, 30% landed property/building; stocks 20% below ₹1 crore and 25% from ₹1 crore; book debts 25% up to 90 days.
RepaymentTerm loan up to 15 years; working capital one year with annual renewal; cash-flow, bullet or structures possible.
Rate/feeRefer current lending-rate and agri service-charge circulars; no single product percentage/fee published.
SecurityHypothecation of stocks/book debts/machinery/assets; collateral nil up to ₹20 lakh, collateral above; available; guarantee as required.
Food and Agro Processing · Complete product criteria · accessed 31 Aug 2026Open official source ↗

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