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Business, & agriculture finance

Polyhouse Loan

Agriculture term loan for polyhouse construction and equipment, from ₹1 lakh to ₹5 crore, repayable over 72 months including up to 12-month moratorium.

Quantum₹1 lakh to ₹5 croreInterest rateMCLR + 2% p.a. up to ₹50 lakh; above ₹50 lakh as per bank guidelinesCustomer typeProgressive farmers, FPOs, JLGs and SHGs with assured irrigation
Official product page ↗Compare category

Quick eligibility check

Polyhouse Loan

0 of 7 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: Individuals or groups of progressive farmers, FPOs, JLGs or SHGs with assured irrigation?

Published source: Eligibility

2Do you meet this requirement: farm location should support marketing?

Published source: Eligibility

3Do you meet this requirement: Progressive farmers, FPOs, JLGs and SHGs with assured irrigation?

Published source: Customer type

4Do you meet this requirement: Application form?

Published source: Documents

5Do you meet this requirement: Individuals or groups of progressive farmers, FPOs, JLGs or SHGs with assured irrigation and a marketable farm location?

6Document checkDo you have this required document or proof: Application form; proof of agricultural land/cultivation?

Published source: Documents

7Document checkDo you have this required document or proof: proof of agricultural land/cultivation?

Published source: Documents
0 of 7 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.

Quantum₹1 lakh to ₹5 croreEffective 5 Feb 2026View source
Minimum Rs 1 lakh; maximum Rs 5 crores.
Source
Loan Scheme for Polyhouse
Page / section
Quantum of Loan
Accessed
4 Sept 2026
Confidence
high
Open official source ↗
FacilityAgriculture term loan for polyhouse and related machinery/equipmentEffective 5 Feb 2026View source
Term loan to meet construction cost and machinery/equipment purchase.
Source
Loan Scheme for Polyhouse
Page / section
Type of Facility
Accessed
4 Sept 2026
Confidence
high
Open official source ↗
Repayment and moratoriumRepayable in 72 months including maximum 12-month moratoriumEffective 5 Feb 2026View source
Repayable in 72 months including maximum moratorium of 12 months.
Source
Loan Scheme for Polyhouse
Page / section
Moratorium and Repayment
Accessed
4 Sept 2026
Confidence
high
Open official source ↗
Interest rateMCLR + 2% p.a. up to ₹50 lakh; above ₹50 lakh as per bank guidelinesEffective 5 Feb 2026View source
Up to Rs 50 lakh + 2%; above Rs 50 lakh as per bank guidelines.
Source
Loan Scheme for Polyhouse
Page / section
Interest Rate
Accessed
4 Sept 2026
Confidence
high
Open official source ↗
EligibilityIndividuals or groups of progressive farmers, FPOs, JLGs or SHGs with assured irrigation; farm location should support marketingEffective 5 Feb 2026View source
Individuals/groups of progressive farmers, , and having assured irrigation; location conducive to marketing.
Source
Loan Scheme for Polyhouse
Page / section
Eligibility
Accessed
4 Sept 2026
Confidence
high
Open official source ↗
Security and collateralHypothecation of crops, polyhouse, machinery/equipment and other financed assets; collateral nil up to ₹1.60 lakh, above as per bank guidelinesEffective 5 Feb 2026View source
Primary hypothecation; collateral up to Rs 1.60 lakh nil, above as per bank guidelines.
Source
Loan Scheme for Polyhouse
Page / section
Security
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 ↗
Processing feeAs per SBI extant guidelines for the agriculture segmentEffective 5 Feb 2026View source
Processing Charges: as per Bank's extant guidelines for Agri Segment.
Source
Loan Scheme for Polyhouse
Page / section
Processing Charges
Accessed
4 Sept 2026
Confidence
high
Open official source ↗
Geographic limitsIndiaView source
The manually reviewed product record states: “India”.
Source
Polyhouse Loan — official product page
Page / section
Published product metadata
Accessed
4 Sept 2026
Confidence
high
Open official source ↗
Customer typeProgressive farmers, FPOs, JLGs and SHGs with assured irrigationView source
The manually reviewed product record states: “Progressive farmers, , and with assured irrigation”.
Source
Polyhouse Loan — official product page
Page / section
Published product metadata
Accessed
4 Sept 2026
Confidence
high
Open official source ↗
DocumentsApplication form; proof of agricultural land/cultivationView source
The manually reviewed product record states: “Application form; proof of agricultural land/cultivation”.
Source
Polyhouse Loan — official product page
Page / section
Published product metadata
Accessed
4 Sept 2026
Confidence
high
Open official source ↗

Benefits and features

  • ₹1 lakh–₹5 crore
  • 15% project-cost margin
  • + 2% up to ₹50 lakh
  • 72-month repayment including 12-month moratorium

Eligibility

  • Individuals or groups of progressive farmers, , or with assured irrigation and a marketable farm location.

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

Documents the bank lists

  • Application form; proof of agricultural land/cultivation

Related official documents

Loan Scheme for Polyhouseofficial-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 ↗

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