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Kisan Gold backed Farm Credit (IND KGFC) for Crop Cultivation

Gold-backed running farm credit for crop cultivation, with a maximum aggregate limit of ₹50 lakh and annual renewal.

Interest rateMCLR (one year) + spread 0.10%.Maximum amount₹50 lakh aggregate.TenureRunning limit, renewable annually; renewal on request after payment of interest.
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Quick eligibility check

Kisan Gold backed Farm Credit (IND KGFC) for Crop Cultivation

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 crop, land extent and Scale of Finance?

Published source: Minimum income

2Are you this type of customer: Individual owner-cultivator farmer?

Published source: Eligibility

3Do you meet this requirement: limit is crop, extent and Scale of Finance plus 30% for post-harvest, household and farm-asset needs?

Published source: Eligibility

4Do you meet this product condition: crop/stocks are hypothecated and gold is pledged with minimum 120% collateral coverage?

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 at least one of these required documents: Up to ₹2.5 lakh: declaration; above ₹2.5 lakh: agriculture-land or cultivation 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 crop cultivation.View source
The page describes short-term crop credit, gold pledge and a running limit renewable annually.
Source
Kisan Gold crop 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 crop 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 crop 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 crop review
Page / section
Complete product criteria
Accessed
31 Aug 2026
Confidence
high
Open official source ↗
Minimum incomeNo income threshold is published; limit follows crop, land extent and Scale of Finance.View source
The eligibility row uses crop, extent and Scale of Finance instead of salary.
Source
Kisan Gold crop 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 crop quantum
Page / section
Quantum of Loan
Accessed
31 Aug 2026
Confidence
high
Open official source ↗
TenureRunning limit, renewable annually; renewal on request after payment of interest.View source
The official repayment row states annual renewal and request-based renewal after interest payment.
Source
Kisan Gold crop 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 Gold Plus and KCC Marine Gold above ₹3 lakh; GST is extra.View source
The official fee schedule publishes the jewel-loan bands and Gold Plus/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 crop prepayment review
Page / section
Complete product criteria
Accessed
31 Aug 2026
Confidence
high
Open official source ↗
EligibilityIndividual owner-cultivator farmer; limit is crop, extent and Scale of Finance plus 30% for post-harvest, household and farm-asset needs; crop/stocks are hypothecated and gold is pledged with minimum 120% collateral coverage.View source
The official page sets the owner-cultivator, Scale of Finance, 30% add-on and 120% gold coverage rules.
Source
Kisan Gold crop eligibility
Page / section
Eligibility; Security
Accessed
31 Aug 2026
Confidence
high
Open official source ↗
Required documentsApplication form; land/cultivation evidence above ₹2.5 lakh; identity proof; address proof; gold pledge and cash-credit records.View source
The official page lists the declaration/proof threshold and identity/address documents.
Source
Kisan Gold crop 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 at least 120%
  • Running limit renewable annually
  • Application and identity/address documents listed

Eligibility

  • Limit is based on crop, extent and Scale of Finance plus 30% of Scale of Finance for post-harvest, household and farm-asset needs.
  • Primary security is hypothecation of crop/stocks, book debts and assets created from the loan; gold is pledged as collateral.

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-land or cultivation 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 Crop Cultivation — Indian Bankofficial-product-page · current · accessed 31 Aug 2026
↗

Plan before applying

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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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Purpose · Published detailShort credit for crop cultivation and repayment of non-financial-institution debt.

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

Source: Kisan Gold crop 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 — crop cultivation termsCurrent Indian Bank crop-cultivation gold-backed farm-credit terms.View tableHide table

Scroll sideways to view every column

Kisan Gold Farm Credit — crop cultivation terms
ParameterPublished detail
PurposeShort credit for crop cultivation and repayment of non-financial-institution debt.
Eligibility / assessmentIndividual owner-cultivator; crop, extent and Scale of Finance +30% for post-harvest, household and farm-asset needs.
SecurityHypothecation of crop/stocks, book debts and created assets; gold pledge with minimum 120% collateral coverage.
QuantumMaximum aggregate ₹50 lakh.
RepaymentRunning limit; annual renewal, including request-based renewal after interest payment.
Rate (one year) + 0.10% spread.
ProcessingUp to ₹50,000 nil; above ₹50,000 0.20% with minimum ₹200; Gold products above ₹3 lakh subject to 0.20% footnote; extra.
DocumentsApplication, declaration/land or cultivation proof above ₹2.5 lakh, identity and address proof.
  • The product page says processing and jewel-appraiser charges apply; the linked agriculture schedule is the detailed fee source.
Kisan Gold crop page and agriculture fee schedule · Complete product table; fee schedule page 1 · accessed 31 Aug 2026Open official source ↗

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