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  • To create a hassle free single term loan limit to farmers for all term loan requirements like farm mechanization, land development, minor irrigation, water conservation, horticulture, allied activities and other agriculture related activities etc.


  • Individuals, joint/group of farmers who are cultivating the land with ownership rights.
  • JLGs and SHGs engaged in agriculture and related activities and if  loan is required for land based activities like farm mechanization etc. they should have ownership rights on the land or lease hold rights of at least 02 years beyond the repayment period stipulated under the scheme.

Type of Loan

  • It shall be single transaction term loan limit.
  • The purposes for which the limit is granted shall not be a part of UGC limit .

Quantum of Loan/ceiling

  • It shall be subject to 5 times of annual Income (current-predevelopment state) of the farmer including allied activities or 50% of the value of land mortgaged whichever is lower, subject to maximum Rs.20 lakhs .


  • Small and Marginal Farmers - 5% of the project cost.
  • Other farmers-15% of the projected cost.


  • Loans up to Rs.1.60 lakh

Hypothecation of asset created out of bank finance.

  • Loans above Rs.1.60 lakh-
    • Hypothecation of asset created out of bank finance and;
    • Mortgage of land (Accepted value of land should not be less than 200% of loan amount) &/ or third party guarantee (means should not be less than 100% of loan amount).


Maximum period of 9 years including moratorium

Forms & Documents

Appropriate DPN note, Deed of Guarantee, Letter of continuity, One time documentation for sanctioned limit , Hypothecation agreement, Simple/Equitable mortgage of land as per legal opinion ,Letter of general lien and setoff, Undertaking from borrower/Guarantor for disclosure to CIBIL, and any other document stipulated in sanction

Rate of Interest - Please click here to know our latest interest rates

Conditions apply.

For more details please contact our nearest branch