IndiaBanks.org · independent research

Business, & agriculture finance

Agri Clinic and Agri Business Centres Loan

Term finance for agri-clinics and agri-business centres, up to ₹20 lakh for an individual or ₹1 crore for a group of five trained people, with up to 10-year term.

Loan limit₹20 lakh for an individual; ₹1 crore for a group of five trained personsInterest rate1-year MCLR + 2% up to ₹50 lakh; above ₹50 lakh as per bank guidelinesCustomer typeAgriculture graduates, diploma holders and eligible biological-science graduates aged 18–60
Official product page ↗Compare category

Quick eligibility check

Agri Clinic and Agri Business Centres Loan

0 of 5 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.

1Are you aged 18 to 60?

Published source: Eligibility

2Do you meet this requirement: Application form?

Published source: Documents

3Do you meet this requirement: detailed project report?

Published source: Documents

4Can you provide this required proof: other sanctioned documents?

Published source: Documents

5Document checkDo you have this required document or proof: Application form; detailed project report; other sanctioned documents?

Published source: Documents
0 of 5 answeredAnswer the remaining questions to see your checklist result.
✓ Manually checked 4 Sept 2026 · active
Offered byState Bank of India

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 limit₹20 lakh for an individual; ₹1 crore for a group of five trained personsView source
20 lakhs available to individuals and 100 lakhs to a group of five trained persons.
Source
Agri Clinic and Agri Business Centres
Page / section
Features
Accessed
4 Sept 2026
Confidence
high
Open official source ↗
FacilityAgri term loan for agri-clinic or agri-business centreView source
Type of facility: Agri Term loan.
Source
Agri Clinic and Agri Business Centres
Page / section
Type of facility
Accessed
4 Sept 2026
Confidence
high
Open official source ↗
Term and moratoriumUp to 10 years including maximum 24-month moratoriumView source
Moratorium maximum 24 months; loan term maximum 10 years inclusive.
Source
Agri Clinic and Agri Business Centres
Page / section
Moratorium and Loan Term
Accessed
4 Sept 2026
Confidence
high
Open official source ↗
Interest rate1-year MCLR + 2% up to ₹50 lakh; above ₹50 lakh as per bank guidelinesView source
Loan up to Rs 50 lakh: one-year + 2%; above Rs 50 lakh as per bank guidelines.
Source
Agri Clinic and Agri Business Centres
Page / section
Interest rate
Accessed
4 Sept 2026
Confidence
high
Open official source ↗
EligibilityCandidates aged 18–60 with eligible agriculture/allied degrees or diplomas, biological-science graduation plus agriculture PG, UGC-recognised agriculture-content qualifications, or agriculture intermediate with at least 55%View source
Scheme open to listed candidate categories aged 18 to 60 years.
Source
Agri Clinic and Agri Business Centres
Page / section
Eligible candidates
Accessed
4 Sept 2026
Confidence
high
Open official source ↗
Processing chargesNil up to ₹2 lakh; above ₹2 lakh, 1.40% of loan amount plus GSTView source
Processing charges up to Rs 2 lakh nil; above Rs 2 lakh 1.40% + .
Source
Agri Clinic and Agri Business Centres
Page / section
Fees & Charges
Accessed
4 Sept 2026
Confidence
high
Open official source ↗
Turnover / vintageNo turnover or business-vintage threshold is published on the complete reviewed official product pageView source
The reviewed pages state customer, activity, land, group, credit-score and account conditions where applicable, but do not publish a turnover or business-vintage threshold for these products.
Source
agriculture product catalogue and linked official product pages
Page / section
Complete product-page review; eligibility and features
Accessed
4 Sept 2026
Confidence
high
Open official source ↗
CollateralNo collateral up to ₹10 lakh under PM MUDRA; above ₹10 lakh as per bank norms. Proposals eligible under Stand-Up India up to ₹1 crore require no collateral.View source
Collateral rules are stated by loan category and Stand-Up India eligibility.
Source
Agri Clinic and Agri Business Centres
Page / section
Collateral
Accessed
4 Sept 2026
Confidence
high
Open official source ↗
Geographic limitsIndiaView source
The manually reviewed product record states: “India”.
Source
Agri Clinic and Agri Business Centres Loan — official product page
Page / section
Published product metadata
Accessed
4 Sept 2026
Confidence
high
Open official source ↗
Customer typeAgriculture graduates, diploma holders and eligible biological-science graduates aged 18–60View source
The manually reviewed product record states: “Agriculture graduates, diploma holders and eligible biological-science graduates aged 18–60”.
Source
Agri Clinic and Agri Business Centres Loan — official product page
Page / section
Published product metadata
Accessed
4 Sept 2026
Confidence
high
Open official source ↗
DocumentsApplication form; detailed project report; other sanctioned documentsView source
The manually reviewed product record states: “Application form; detailed project report; other sanctioned documents”.
Source
Agri Clinic and Agri Business Centres Loan — official product page
Page / section
Published product metadata
Accessed
4 Sept 2026
Confidence
high
Open official source ↗

Benefits and features

  • ₹20 lakh individual limit or ₹1 crore group limit
  • Up to 10-year term including up to 24-month moratorium
  • 1-year + 2% up to ₹50 lakh
  • Processing fee nil up to ₹2 lakh; subsidy subject to terms

Eligibility

  • Eligible age 18–60 candidates include agriculture/allied graduates, specified diplomas, biological-science graduates with agriculture post-graduation and agriculture-focused intermediate qualifications.

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

Documents the bank lists

  • Application form; detailed project report; other sanctioned documents

Related official documents

Agri Clinic and Agri Business Centresofficial-product-page · current · accessed 4 Sept 2026
↗

Plan before applying

Try the numbers

Private, instant and based on the values you enter.

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₹12,647twelve thousand six hundred forty-seven rupees
Interest paid over the full loan₹5,35,300five lakh thirty-five thousand three hundred rupees
Everything you repay₹30,35,300thirty lakh thirty-five thousand three hundred 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.

DAY-NRLM Finance · Published amount/limit₹1.50–₹20 lakh

This value is copied from additional agriculture catalogue products — page tables. Check the table notes before relying on it.

Source: agriculture product catalogue and linked official product pages · Agriculture catalogue — Micro Credit, Gold Loan, Farm Mechanisation, Allied Activities and Miscellaneous Activities Open official source ↗

Published tables

Complete rates, limits and schedules

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

Table 1 · 11 rows · 5 columnsSBI additional agriculture catalogue products — page tablesStructured transcription of every numeric term, eligibility rule, fee, rate, security and payment condition published on the reviewed product pages.View tableHide table

Scroll sideways to view every column

SBI additional agriculture catalogue products — page tables
ProductPublished amount/limitRate and feesTenure/paymentEligibility/security
DAY-NRLM Finance₹1.50–₹20 lakh7% to 10.40% p.a.; nil chargesTerm 24–84 months; cash credit 12 monthsRural DAY-NRLM active 6 months; no collateral; margin up to 10% above ₹10 lakh
Co-lending individual ₹10,000–₹3 lakh10.50% fixed minimum + servicer fee; 10.50–20.00%; nil charges12–36 months incl. 1-month moratoriumSimilar-member ; nil margin and security
Direct Linkage to ₹50,000–₹20 lakh14% p.a.; no processing/documentation/inspection fee up to ₹5 lakhTerm 24–60 months; cash credit 36 months6-month , grading/corpus; collateral nil; margin 10% above ₹10 lakh
Finance₹60,000–₹10 lakh12% fixed p.a.; nil charges12–36 months incl. 1-month moratoriumSimilar-member ; nil margin and security
Multi Purpose Agricultural Gold Loan₹5,000–₹25 lakh8.85% p.a.; processing nil to ₹50,000, then 0.50%/0.30% tiers + 12 monthsFarmers/allied borrowers; pledge of gold ornaments
Combine Harvester Loan₹5–₹35 lakh1-year + 3.50%; 1.50% processing feeHalf-yearly principal-equated instalments; maximum tenure not stated20% margin; land and credit-score rules; documents listed
Animal Husbandry & FisheriesNo minimum ceiling; below ₹50 lakh7% up to ₹2 lakh; effective 4% with prompt repayment; nil to ₹3 lakh then 0.65% + Working-capital cash creditFishery/livestock farmers and groups; collateral waiver up to ₹2 lakh or ₹3 lakh with tie-up
Agri Clinic and Agri Business Centres₹20 lakh individual; ₹1 crore group1-year + 2% up to ₹50 lakh; processing nil to ₹2 lakh then 1.40% + Up to 10 years incl. 24-month moratoriumAge 18–60 eligible agri qualifications; subsidy subject to terms
Polyhouse Loan₹1 lakh–₹5 crore + 2% up to ₹50 lakh; processing as guidelines72 months incl. 12-month moratorium15% margin; assured irrigation; collateral nil up to ₹1.60 lakh
Cold Storage/Warehouse Construction₹1 lakh–₹50 crore1-year + 2% up to ₹50 lakh120 months incl. 24-month moratorium; half-yearly instalments25% margin; broad entity eligibility; published collateral tiers
Rinn Samadhan 2025–26Agri cut-offs ₹10–₹20 lakh5% early-bird incentive; interest/expense concessions10% + 10% + balance within 90 days; scheme ends 31 Mar 2026Specified only; fraud/wilful-default/NCLT and other exclusions
  • Rows preserve the official page values; where a page explicitly gives no numeric maximum (Combine Harvester tenure), that absence is retained rather than inferred.
agriculture product catalogue and linked official product pages · Agriculture catalogue — Micro Credit, Gold Loan, Farm Mechanisation, Allied Activities and Miscellaneous Activities · accessed 4 Sept 2026Open official source ↗

More from State Bank of India

Related products

Asset Backed Agriculture Loan (ABAL)

Overdraft finance for short-term production and investment credit secured by SARFAESI-compliant immovable property.

View product

ABL (Saral)

asset-backed working-capital and business-purpose finance above ₹10 lakh up to ₹5 crore, with a 25% borrower margin, up to 180-month dropline overdraft and property security at 65% .

View product

Agri & Food Enterprises Loan (AFEL)

Finance for agri commodity, food processing, agri-input manufacturing, exports and selected agri infrastructure or ancillary activities, up to ₹100 crore.

View product

Agriculture Gold Loan

Gold-backed agriculture loan for crop production, investment and allied activities, with processing and repayment up to 12 months.

View product