IndiaBanks.org · independent research

Business, & agriculture finance

Rinn Samadhan 2025–26 — Agri Segment

A time-bound one-time settlement scheme for eligible and agriculture non-performing accounts, with staged payment terms and an early-bird incentive.

Facility amountNot applicable — this is a settlement scheme for existing NPAs, not a new loan facilityRateNot applicable — settlement scheme publishes concessions and one-time settlement payment terms, not a new lending rateCustomer typeEligible SBI SME and agriculture NPA borrowers meeting the scheme cut-offs
Official product page ↗Compare category

Quick eligibility check

Rinn Samadhan 2025–26 — Agri Segment

0 of 8 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: Specified unsecured sub-standard agri accounts up to ₹10 lakh classified by 31 Dec 2024?

Published source: Eligible accounts and exclusions

2Do you meet this requirement: doubtful/loss/AUC accounts up to ₹20 lakh classified by 31 Mar 2025?

Published source: Eligible accounts and exclusions

3Do you meet this requirement: deceased NPA agri cases as on 30 Jun 2025 up to ₹10 lakh?

Published source: Eligible accounts and exclusions

4Do you meet this requirement: Frauds, wilful defaulters, non-cooperative borrowers, NCLT-pending cases, staff accounts, loan-against-deposit/securities, gold loans, corporate-guaranteed and pool-purchase accounts excluded?

Published source: Eligible accounts and exclusions

5Do you meet this requirement: Eligible SBI SME and agriculture NPA borrowers meeting the scheme cut-offs?

Published source: Customer type

6Document checkDo you have this required document or proof: Acceptance and upfront payment submitted to the branch; other settlement documents as required?

Published source: Documents

7Document checkDo you have this required document or proof: borrower/PAN cap ₹20 lakh?

Published source: Eligible accounts and exclusions

8Document checkDo you have this required document or proof: borrower/PAN outstanding cap ₹20 lakh?

Published source: Documents
0 of 8 answeredAnswer the remaining questions to see your checklist result.
✓ Manually checked 4 Sept 2026 · inactive
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.

Eligible accounts and exclusionsSpecified unsecured sub-standard agri accounts up to ₹10 lakh classified by 31 Dec 2024; doubtful/loss/AUC accounts up to ₹20 lakh classified by 31 Mar 2025; deceased NPA agri cases as on 30 Jun 2025 up to ₹10 lakh; borrower/PAN cap ₹20 lakh. Frauds, wilful defaulters, non-cooperative borrowers, NCLT-pending cases, staff accounts, loan-against-deposit/securities, gold loans, corporate-guaranteed and pool-purchase accounts excluded.Effective 24 Nov 2025View source
The complete eligibility/exclusion table is preserved from the official page.
Source
Rinn Samadhan 2025-26 Scheme for and Agri Segment
Page / section
Eligibility conditions and exclusions
Accessed
4 Sept 2026
Confidence
high
Open official source ↗
Scheme dates and payment termsScheme runs 03 Nov 2025 to 31 Mar 2026; 10% OTS upfront, additional 10% within 30 days of sanction, balance within 90 daysEffective 24 Nov 2025View source
Start 03.11.2025; end 31.03.2026; staged OTS payments as published.
Source
Rinn Samadhan 2025-26 Scheme for and Agri Segment
Page / section
Scheme dates and Payment Terms
Accessed
4 Sept 2026
Confidence
high
Open official source ↗
Concessions and early-bird offerWaiver of notional interest from NPA date and eligible legal/other expenses; additional 5% incentive on OTS amount for full lump-sum payment with upfront amountEffective 24 Nov 2025View source
The official table publishes waiver and early-bird provisions.
Source
Rinn Samadhan 2025-26 Scheme for and Agri Segment
Page / section
Concessions and Early Bird Offer
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 ↗
Facility amountNot applicable — this is a settlement scheme for existing NPAs, not a new loan facilityEffective 24 Nov 2025View source
The page publishes eligibility, concessions and payment terms, not a new credit amount.
Source
Rinn Samadhan 2025-26 Scheme for and Agri Segment
Page / section
Complete scheme table review
Accessed
4 Sept 2026
Confidence
high
Open official source ↗
RateNot applicable — settlement scheme publishes concessions and one-time settlement payment terms, not a new lending rateEffective 24 Nov 2025View source
No new lending-rate field is presented in the official settlement table.
Source
Rinn Samadhan 2025-26 Scheme for and Agri Segment
Page / section
Complete scheme table review
Accessed
4 Sept 2026
Confidence
high
Open official source ↗
CollateralNot applicable — no new credit facility is created under this settlement schemeEffective 24 Nov 2025View source
The official table has no collateral term because it settles existing accounts.
Source
Rinn Samadhan 2025-26 Scheme for and Agri Segment
Page / section
Complete scheme table review
Accessed
4 Sept 2026
Confidence
high
Open official source ↗
FeesNot applicable — settlement scheme does not publish a new-loan processing feeEffective 24 Nov 2025View source
The table describes waived legal/other expenses and OTS payments, not a new processing fee.
Source
Rinn Samadhan 2025-26 Scheme for and Agri Segment
Page / section
Complete scheme table review
Accessed
4 Sept 2026
Confidence
high
Open official source ↗
Geographic limitsIndiaView source
The manually reviewed product record states: “India”.
Source
Rinn Samadhan 2025–26 — Agri Segment — official product page
Page / section
Published product metadata
Accessed
4 Sept 2026
Confidence
high
Open official source ↗
Customer typeEligible SBI SME and agriculture NPA borrowers meeting the scheme cut-offsView source
The manually reviewed product record states: “Eligible and agriculture borrowers meeting the scheme cut-offs”.
Source
Rinn Samadhan 2025–26 — Agri Segment — official product page
Page / section
Published product metadata
Accessed
4 Sept 2026
Confidence
high
Open official source ↗
DocumentsAcceptance and upfront payment submitted to the branch; other settlement documents as requiredView source
The manually reviewed product record states: “Acceptance and upfront payment submitted to the branch; other settlement documents as required”.
Source
Rinn Samadhan 2025–26 — Agri Segment — official product page
Page / section
Published product metadata
Accessed
4 Sept 2026
Confidence
high
Open official source ↗

Benefits and features

  • Scheme start 03 November 2025; acceptance deadline 31 March 2026
  • 10% upfront, another 10% within 30 days and balance within 90 days
  • Additional 5% incentive for qualifying lump-sum early payment
  • Notional interest and eligible expenses may be waived

Eligibility

  • Unsecured sub-standard accounts up to ₹10 lakh in specified agri products classified by 31 December 2024; doubtful/loss/AUC accounts up to ₹20 lakh by 31 March 2025; deceased cases as on 30 June 2025 up to ₹10 lakh in agri; borrower/ outstanding cap ₹20 lakh. Fraud, wilful default, NCLT and other listed exclusions apply.

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

Documents the bank lists

  • Acceptance and upfront payment submitted to the branch; other settlement documents as required

Related official documents

Rinn Samadhan 2025-26 Scheme for SME and Agri Segmentofficial-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₹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.

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 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.

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