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Kisan Gold backed Farm Credit (IND KGFC) for Allied Activities

Gold-backed running credit for agricultural allied activities, with activity-based cash-flow periods and a maximum aggregate limit of ₹50 lakh.

Interest rateMCLR (one year) + spread 0.10%.Maximum amount₹50 lakh aggregate.TenureRunning limit; renewable every year or half-year based on activity, with request-based renewal after interest payment.
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Quick eligibility check

Kisan Gold backed Farm Credit (IND KGFC) for Allied Activities

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: limit follows activity and Scale of Finance?

Published source: Minimum income

2Do you meet this requirement: Borrowers engaged in listed allied activities such as dairy, fisheries, livestock, poultry, apiary, sericulture, mushroom cultivation or farm-implement maintenance?

Published source: Eligibility

3Do you meet this requirement: limit follows activity and Scale of Finance plus 20%?

Published source: Eligibility

4Do you meet this requirement: gold coverage is 115% for six-month allied products and 120% for monthly or 12-month products?

Published source: Eligibility

5Do you meet this requirement: Application form?

Published source: Required documents

6Document checkDo you have this required document or proof: Duly filled application form?

Published source: Required documents

7Document checkDo you have this required document or proof: Up to ₹2.5 lakh: declaration; above ₹2.5 lakh: agriculture-activity proof?

Published source: Required documents

8Document checkDo you have at least one of these required documents: Identity proof such as voter ID, PAN, passport, Aadhaar or driving licence?

Published source: Required documents

9Document checkDo you have at least one of these required documents: Address proof such as voter ID, passport, Aadhaar or driving licence?

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 typeRunning gold-backed farm credit / cash-credit limit for allied agricultural activities.View source
The page covers allied activities, gold pledge and a running limit renewable annually or half-yearly.
Source
Kisan Gold allied credit
Page / section
Purpose; Security; Repayment
Accessed
31 Aug 2026
Confidence
high
Open official source ↗
Interest rateMCLR (one year) + spread 0.10%.View source
The official rate row states (1 Year) + Spread 0.10%.
Source
Kisan Gold allied rate
Page / section
Rate of Interest
Accessed
31 Aug 2026
Confidence
high
Open official source ↗
BenchmarkMCLR (one year) plus 0.10% spread.View source
The page gives the one-year benchmark and fixed spread.
Source
Kisan Gold allied benchmark
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 on the official page.
Source
Kisan Gold allied review
Page / section
Complete product criteria
Accessed
31 Aug 2026
Confidence
high
Open official source ↗
Minimum incomeNo income threshold is published; limit follows activity and Scale of Finance.View source
The eligibility row uses activity and Scale of Finance rather than salary.
Source
Kisan Gold allied eligibility review
Page / section
Eligibility; Quantum
Accessed
31 Aug 2026
Confidence
high
Open official source ↗
Maximum amount₹50 lakh aggregate.View source
The official page states max limit ₹50 lakhs (aggregate).
Source
Kisan Gold allied quantum
Page / section
Quantum of Loan
Accessed
31 Aug 2026
Confidence
high
Open official source ↗
TenureRunning limit; renewable every year or half-year based on activity, with request-based renewal after interest payment.View source
The official repayment row sets annual or half-yearly renewal based on activity.
Source
Kisan Gold allied repayment
Page / section
Repayment Period
Accessed
31 Aug 2026
Confidence
high
Open official source ↗
Processing feeAgriculture jewel loan: up to ₹50,000 nil; above ₹50,000 0.20% of loan amount with minimum ₹200. The fee schedule footnote applies 0.20% to KCC Marine Gold above ₹3 lakh; GST is extra.View source
The official fee schedule publishes the jewel-loan bands and Marine Gold footnote.
Source
Service Charges — Agriculture Products
Page / section
Page 1, f. Jewel Loan under Agriculture; footnote
Accessed
31 Aug 2026
Confidence
high
Open official source ↗
Prepayment / foreclosureNo separate charge is published.View source
No foreclosure charge appears on the product page or reviewed agriculture fee schedule.
Source
Kisan Gold allied prepayment review
Page / section
Complete product criteria
Accessed
31 Aug 2026
Confidence
high
Open official source ↗
EligibilityBorrowers engaged in listed allied activities such as dairy, fisheries, livestock, poultry, apiary, sericulture, mushroom cultivation or farm-implement maintenance; limit follows activity and Scale of Finance plus 20%; gold coverage is 115% for six-month allied products and 120% for monthly or 12-month products.View source
The official page lists activities, the 20% Scale of Finance add-on and activity-specific collateral coverage.
Source
Kisan Gold allied eligibility
Page / section
Purpose; Eligibility; Security
Accessed
31 Aug 2026
Confidence
high
Open official source ↗
Required documentsApplication form; agriculture-activity evidence above ₹2.5 lakh; identity proof; address proof; gold pledge and cash-credit records.View source
The official page lists declaration/activity proof and identity/address documents.
Source
Kisan Gold allied documentation
Page / section
Documents Required
Accessed
31 Aug 2026
Confidence
high
Open official source ↗

Benefits and features

  • Maximum aggregate limit ₹50 lakh
  • (one-year) + 0.10% spread
  • Gold collateral coverage of 115% or 120% depending on activity and repayment period
  • Running limit renewable annually or half-yearly based on activity
  • Covers dairy, fisheries, livestock, poultry and other allied activities

Eligibility

  • Limit is based on activity and Scale of Finance plus 20% for household, consumption and farm-asset needs.
  • Allied activity repayable in six months uses 115% collateral coverage; monthly or 12-month products use 120% coverage.
  • Cash-flow period is 12 months for inland fisheries, sheep/goat rearing and layer farming; six months for piggery, rabbit rearing, apiary, sericulture, marine fisheries, tractor maintenance, mushroom cultivation and broiler poultry; established dairy may use monthly cash flow.

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

Documents the bank lists

  • Duly filled application form
  • Up to ₹2.5 lakh: declaration; above ₹2.5 lakh: agriculture-activity proof
  • Identity proof such as voter , , passport, Aadhaar or driving licence
  • Address proof such as voter , passport, Aadhaar or driving licence
  • Gold pledge and cash-credit records

Related official documents

Interest Rates for Agri Products and Interest Rate Range — Indian Bankofficial-rate-table · current · accessed 31 Aug 2026
↗
Service Charges — Agriculture Products — Indian Bankofficial-fee-schedule · current · accessed 31 Aug 2026
↗
Kisan Gold backed Farm Credit (IND KGFC) for Allied Activities — Indian Bankofficial-product-page · 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

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 detailDairy, inland/marine fisheries, sheep/goat, piggery, rabbit, apiary, sericulture, poultry, mushroom and tractor/farm-implement maintenance.

This value is copied from Kisan Gold Farm Credit — allied activities terms. Check the table notes before relying on it.

Source: Kisan Gold allied page and agriculture fee schedule · Complete product table; fee schedule page 1 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 columnsKisan Gold Farm Credit — allied activities termsCurrent Indian Bank allied-activity gold-backed farm-credit terms.View tableHide table

Scroll sideways to view every column

Kisan Gold Farm Credit — allied activities terms
ParameterPublished detail
ActivitiesDairy, inland/marine fisheries, sheep/goat, piggery, rabbit, apiary, sericulture, poultry, mushroom and tractor/farm-implement maintenance.
Eligibility / assessmentActivity and Scale of Finance +20% for household, consumption and farm-asset needs.
SecurityHypothecation of book debts, stocks and created assets; gold coverage 115% for six-month allied product and 120% for monthly/12-month products.
QuantumMaximum aggregate ₹50 lakh.
RepaymentRunning limit; renewable every year or half-year based on activity.
Rate (one year) + 0.10% spread.
ProcessingUp to ₹50,000 nil; above ₹50,000 0.20% with minimum ₹200; Marine Gold above ₹3 lakh subject to 0.20% footnote; extra.
Cash-flow periods12 months for inland fisheries, sheep/goat and layer farming; six months for listed activities; monthly cash flow for established dairy.
  • The product page says processing and jewel-appraiser charges apply; the linked agriculture schedule is the detailed fee source.
Kisan Gold allied page and agriculture fee schedule · Complete product table; fee schedule page 1 · accessed 31 Aug 2026Open official source ↗

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