Agriculture Loan

Agriculture loans for farmers and agri-businesses

Agriculture loans finance farming and allied activities: crop production, farm machinery, irrigation, land development, dairy, poultry, fisheries, and storage or processing. Agriculture is a priority sector under RBI rules, and short-term crop loans are commonly provided through the Kisan Credit Card (KCC), with repayment timed to the harvest.

Early Grow helps farmers and agri-businesses understand the options available from partner lenders and prepare the land, crop and KYC documents they need.

Types of agriculture finance

• Crop loans and Kisan Credit Card – short-term credit for seeds, fertiliser, pesticides and other cultivation costs.
• Farm machinery loans – for tractors, harvesters, power tillers and implements.
• Irrigation and land development – for drip or sprinkler systems, borewells, pumps and land levelling.
• Allied activities – for dairy, poultry, fisheries, beekeeping and similar activities.
• Agri-infrastructure – for warehouses, cold storage and processing units, typically for agri-businesses and farmer producer organisations.

Who can apply?

• Individual farmers who own land.
• Tenant farmers, oral lessees and sharecroppers, subject to lender policy and documents.
• Self-help groups, joint liability groups and farmer producer organisations.
• Agri-entrepreneurs and businesses in allied activities.

Documents usually required

• KYC: Aadhaar, PAN, or voter ID.
• Land records, such as khatauni or jamabandi and other revenue records, or a lease agreement.
• The cropping pattern and an estimate of the scale of finance.
• Quotations for machinery or irrigation equipment.
• Bank statements.
• A project report for allied or infrastructure activities.

Government support

Interest subvention and prompt-repayment incentives on eligible short-term crop loans are provided under central government schemes, and some states offer more. Eligibility and rates are set by the schemes and apply only through the participating lenders. See the Reserve Bank of India and your bank for current details.

How Early Grow helps

1. We understand your land, crops or activity and your funding need.
2. We explain the relevant loan types and schemes.
3. We help you organise your land and KYC documents and apply to a suitable lender.
4. The lender verifies your land records and decides the limit or loan.