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IND AGRO Mortgage — Monthly Dropline Facility

Property-secured monthly dropline overdraft up to ₹10 crore for genuine agriculture-business needs, reducing monthly to liquidate by maturity.

Interest rateRefer the current Indian Bank Lending Rates link; no product-specific percentage is printed.Maximum amount₹10 crore maximum.TenureMaximum 120 months door-to-door; drawing power reduces monthly to liquidate the overdraft by the end.
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Quick eligibility check

IND AGRO Mortgage — Monthly Dropline Facility

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.

1Do you meet this requirement: Agro/food-processing, agriculture-infrastructure, animal-husbandry, dairy, poultry, tea and other large agriculture units with three-year financial records, cash flow/DSCR and SARFAESI-compliant mortgaged property?

Published source: Eligibility

2Do you meet this product condition: 40% security-value margin applies?

Published source: Eligibility

3Do you meet this requirement: cash-flow/DSCR records?

Published source: Required documents

4Can you provide this required proof: SARFAESI-compliant property title, valuation and mortgage/security documents?

Published source: Required documents

5Do you meet this requirement: entity KYC and financial records?

Published source: Required documents

6Document checkDo you have this required document or proof: Three years' ITR and balance sheet?

Published source: Required documents

7Document checkDo you have this required document or proof: Cash-flow/DSCR assessment records?

Published source: Required documents

8Document checkDo you have this required document or proof: SARFAESI-compliant property title, valuation and mortgage documents?

Published source: Required documents

9Document checkDo you have this required document or proof: Applicant concern/firm/company KYC and financial records?

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 typeMonthly Dropline overdraft facility.View source
The official table lists Monthly Dropline Facility.
Source
IND AGRO Mortgage Monthly Dropline
Page / section
Nature of facility
Accessed
31 Aug 2026
Confidence
high
Open official source ↗
Interest rateRefer the current Indian Bank Lending Rates link; no product-specific percentage is printed.View source
The page directs customers to the Lending Rates link.
Source
IND AGRO Mortgage Monthly rate review
Page / section
Rate of Interest
Accessed
31 Aug 2026
Confidence
high
Open official source ↗
BenchmarkNo product-specific benchmark is printed; the page refers to the Lending Rates link.View source
No benchmark formula appears in the official table.
Source
IND AGRO Mortgage Monthly 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 row appears.
Source
IND AGRO Mortgage Monthly review
Page / section
Complete product table
Accessed
31 Aug 2026
Confidence
high
Open official source ↗
Minimum incomeNo income threshold is published; three years' ITR/balance sheet and cash flow/DSCR assessment are required.View source
The official eligibility rows specify financial records and , not salary.
Source
IND AGRO Mortgage Monthly eligibility review
Page / section
Eligibility
Accessed
31 Aug 2026
Confidence
high
Open official source ↗
Maximum amount₹10 crore maximum.View source
The official table states maximum ₹10.00 crore.
Source
IND AGRO Mortgage Monthly quantum
Page / section
Quantum of Loan
Accessed
31 Aug 2026
Confidence
high
Open official source ↗
TenureMaximum 120 months door-to-door; drawing power reduces monthly to liquidate the overdraft by the end.View source
The official table states 120 months and monthly drawing-power reduction.
Source
IND AGRO Mortgage Monthly repayment
Page / section
Tenor of Loan
Accessed
31 Aug 2026
Confidence
high
Open official source ↗
Processing fee0.50% of sanctioned limit; other service charges follow the bank circular.View source
The official service-charge row publishes 0.50% of sanctioned limit.
Source
IND AGRO Mortgage Monthly fees
Page / section
Service Charges
Accessed
31 Aug 2026
Confidence
high
Open official source ↗
Prepayment / foreclosureNo separate prepayment charge is published.View source
No prepayment row appears.
Source
IND AGRO Mortgage Monthly prepayment review
Page / section
Complete product table
Accessed
31 Aug 2026
Confidence
high
Open official source ↗
EligibilityAgro/food-processing, agriculture-infrastructure, animal-husbandry, dairy, poultry, tea and other large agriculture units with three-year financial records, cash flow/DSCR and SARFAESI-compliant mortgaged property; 40% security-value margin applies.View source
The official table lists target units, financial/ tests, property compliance and 40% margin.
Source
IND AGRO Mortgage Monthly eligibility
Page / section
Target Group; Eligibility; Margin
Accessed
31 Aug 2026
Confidence
high
Open official source ↗
Required documentsThree years' ITR and balance sheet; cash-flow/DSCR records; SARFAESI-compliant property title, valuation and mortgage/security documents; entity KYC and financial records.View source
The official page names the three-year records, and SARFAESI-compliant property requirements.
Source
IND AGRO Mortgage Monthly documentation
Page / section
Eligibility; Security
Accessed
31 Aug 2026
Confidence
high
Open official source ↗

Benefits and features

  • Maximum ₹10 crore
  • Monthly dropline overdraft
  • Maximum 120-month door-to-door tenor
  • Minimum 40% security-value margin
  • Processing charge 0.50% of sanctioned limit

Eligibility

  • Last three years' and balance sheet are required.
  • Cash flow/ must service proposed and existing loans; mortgaged immovable property must be SARFAESI compliant.
  • Drawing power is reduced monthly so the overdraft is liquidated at the end of the loan period.

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

Documents the bank lists

  • Three years' and balance sheet
  • Cash-flow/ assessment records
  • SARFAESI-compliant property title, valuation and mortgage documents
  • Applicant concern/firm/company and financial records

Related official documents

IND AGRO Mortgage — Monthly Dropline OD Facility — Indian Bankofficial-product-page · current · accessed 31 Aug 2026
↗

Plan before applying

Try the numbers

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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

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Target / purpose · Published detailLarge agriculture and agro-business units; genuine agri-business needs.

This value is copied from IND AGRO Mortgage Monthly Dropline — published terms. Check the table notes before relying on it.

Source: IND AGRO Mortgage Monthly Dropline · Complete product 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 · 6 rows · 2 columnsIND AGRO Mortgage Monthly Dropline OD — published termsView tableHide table

Scroll sideways to view every column

IND AGRO Mortgage Monthly Dropline OD — published terms
ParameterPublished detail
Target / purposeLarge agriculture and agro-business units; genuine agri-business needs.
Facility / exposureMonthly Dropline ; maximum ₹10 crore.
EligibilityThree-year /balance sheet, cash flow/ and SARFAESI-compliant mortgaged property.
Margin / tenorMinimum 40% security-value margin; maximum 120-month door-to-door tenor; drawing power reduces monthly.
RateRefer Lending Rates; no product percentage printed.
Service chargesProcessing charge 0.50% of sanctioned limit; other charges per bank circular.
IND AGRO Mortgage Monthly Dropline · Complete product table · accessed 31 Aug 2026Open official source ↗

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