[ {"id": "kcc-credit", "name": "Kisan Credit Card (KCC)", "provider": "All banks (RBI / NABARD scheme)", "category": "Crop loan / working capital", "summary": "A revolving credit limit for crop production and allied needs, with a concessional interest rate. The base rate of 7% drops to an effective 4% on prompt repayment (2% interest subvention + 3% prompt-repayment incentive) for limits up to Rs 3 lakh.", "interest": "7% base; effective 4% with interest subvention + prompt-repayment incentive (up to Rs 3 lakh).", "loan_amount": "Based on scale of finance x cropped area; collateral-free up to Rs 1.6 lakh (Rs 2 lakh in many cases).", "tenure": "Revolving; crop-cycle based with annual review (typically up to 5 years validity).", "benefits": "Low-cost working capital, flexible draw/repay, also covers post-harvest and consumption needs; KCC also extended to animal husbandry and fisheries.", "eligibility": "Owner cultivators, tenant farmers, oral lessees, sharecroppers, SHGs and JLGs.", "application_process": [ "Approach any bank branch, or apply via the KCC link on pmkisan.gov.in (for PM-KISAN beneficiaries) or the Jan Samarth portal.", "Submit ID/address proof and land/cultivation records.", "The bank fixes the credit limit using the district scale of finance.", "Sign the agreement and operate the limit via the KCC/RuPay card or passbook."], "documents": ["ID & address proof", "Land records / cultivation proof", "Passport photo", "PM-KISAN details (if any)"], "portal": "https://www.jansamarth.in", "helpline": "1800-180-1551 (Kisan Call Centre)", "source": "RBI / NABARD"}, {"id": "crop-loan", "name": "Short-term Crop / Production Loan", "provider": "Commercial, cooperative & regional rural banks", "category": "Crop loan / working capital", "summary": "Seasonal agricultural operations (SAO) loan to meet the cost of cultivation - seed, fertilizer, labour and other inputs - usually delivered through the KCC route at the concessional crop-loan interest rate.", "interest": "Concessional crop-loan rate (same interest-subvention benefit as KCC up to Rs 3 lakh).", "loan_amount": "As per the crop and the district scale of finance per acre/hectare.", "tenure": "One crop season; repayable after harvest/marketing.", "benefits": "Timely input finance at a low effective rate; no separate collateral up to the prescribed limit.", "eligibility": "Farmers cultivating notified crops (owner or tenant).", "application_process": [ "Visit your bank branch with land and crop details.", "Bank computes the limit from the scale of finance.", "Disburse against the crop plan; repay after harvest."], "documents": ["Land records", "ID/address proof", "Bank account", "Crop/sowing details"], "portal": "https://www.jansamarth.in", "helpline": "1800-180-1551", "source": "RBI priority-sector lending"}, {"id": "agri-term-loan", "name": "Agriculture Term Loan (farm development)", "provider": "Commercial & cooperative banks (NABARD refinance)", "category": "Term loan / investment credit", "summary": "Medium/long-term investment credit for on-farm development - land levelling, wells/borewells, pump sets, fencing, orchard establishment, drip/sprinkler and other durable farm assets.", "interest": "Bank's agri term-loan rate (varies by bank, tenure and amount).", "loan_amount": "Project-based, with margin money; backed by NABARD refinance for many activities.", "tenure": "3-9 years (up to 15 for plantation/horticulture), with a gestation/moratorium period.", "benefits": "Creates durable productive assets; repayment aligned to income generation; some activities carry capital subsidy.", "eligibility": "Farmers with a viable investment proposal and adequate repaying capacity.", "application_process": [ "Prepare a simple project/unit cost estimate (the bank or KVK can help).", "Apply at your bank branch with land and project details.", "Bank appraises techno-economic viability and sanctions with a repayment schedule.", "Avail in stages against asset creation."], "documents": ["Land records", "Project/cost estimate", "Quotations", "ID/address & bank details"], "portal": "https://www.nabard.org", "helpline": "1800-180-1551", "source": "NABARD investment credit"}, {"id": "farm-mechanization-loan", "name": "Tractor & Farm Machinery Loan", "provider": "Commercial & cooperative banks", "category": "Farm mechanization", "summary": "Hire-purchase/term finance to buy tractors, power tillers, harvesters and implements; can be combined with the SMAM machinery subsidy and Custom Hiring Centre support.", "interest": "Bank's vehicle/agri-machinery term-loan rate.", "loan_amount": "Typically up to 85-90% of the asset cost (margin 10-15%).", "tenure": "Usually 5-7 years with half-yearly/annual instalments.", "benefits": "Mechanization access for small farmers; stackable with SMAM subsidy; the asset is the primary security.", "eligibility": "Farmers with sufficient landholding/usage and repaying capacity (norms vary by bank).", "application_process": [ "Get a dealer quotation for the machine.", "Apply at the bank with land records and the quotation.", "Bank sanctions on viability; subsidy (if any) is adjusted after purchase.", "Take delivery and repay per schedule."], "documents": ["Dealer quotation/proforma invoice", "Land records", "ID/address proof", "Bank account"], "portal": "https://agrimachinery.nic.in", "helpline": "1800-180-1551", "source": "Bank agri-machinery finance"}, {"id": "dairy-ah-loan", "name": "Dairy & Animal Husbandry / Fisheries Loan", "provider": "Banks (NABARD / AHIDF linkage)", "category": "Allied activities", "summary": "Working capital and term finance for dairy animals, poultry, goatery, piggery, fodder and fisheries; a dedicated Animal Husbandry & Fisheries KCC provides short-term working capital for allied activities.", "interest": "KCC concessional rate for working capital; term-loan rate for assets.", "loan_amount": "Unit-cost based (e.g. per milch animal); collateral-free up to the prescribed KCC limit.", "tenure": "Revolving (AH-KCC) for working capital; 3-7 years for asset term loans.", "benefits": "Diversifies farm income; interest subvention extended to AH & fisheries KCC; AHIDF gives interest subvention for enterprise units.", "eligibility": "Farmers, dairy/poultry/fish farmers, SHGs and entrepreneurs in allied activities.", "application_process": [ "Identify the activity/unit and get a unit-cost estimate.", "Apply at the bank (or via the AHIDF portal for enterprise projects).", "Bank sanctions working-capital (KCC) and/or term loan.", "Operate and repay per the activity's cash flow."], "documents": ["ID/address proof", "Activity/unit details", "Land or shed details (if any)", "Bank account"], "portal": "https://ahidf.udyamimitra.in", "helpline": "1800-180-1551", "source": "NABARD / Dept. of Animal Husbandry & Dairying"}, {"id": "agri-gold-loan", "name": "Agriculture Gold / Jewel Loan", "provider": "Commercial & cooperative banks", "category": "Gold loan", "summary": "Quick crop loan against pledged gold jewellery at the concessional agricultural interest rate - useful when land documents are unavailable or for fast disbursal during the season.", "interest": "Agri crop-loan concessional rate (lower than a regular gold loan).", "loan_amount": "Based on the value/weight of pledged gold (loan-to-value as per RBI norms).", "tenure": "Crop-season/short term, renewable.", "benefits": "Fast, minimal-documentation finance at the agri rate; no land collateral needed.", "eligibility": "Farmers using the loan for agricultural purposes (a declaration/land proof is usually required).", "application_process": [ "Bring gold jewellery and an agricultural-purpose declaration to the bank.", "Bank appraises the gold and sanctions on the spot/quickly.", "Repay within the season to retain the agri concessional rate."], "documents": ["Gold jewellery", "ID/address proof", "Agricultural land proof / declaration"], "portal": "", "helpline": "1800-180-1551", "source": "Bank agri gold-loan products"}, {"id": "warehouse-receipt-loan", "name": "Produce Pledge / Warehouse Receipt Finance", "provider": "Banks (against e-NWR)", "category": "Crop loan / working capital", "summary": "Post-harvest finance against produce stored in an accredited warehouse, using a (negotiable) warehouse receipt - lets farmers avoid distress sales and sell when prices improve.", "interest": "Post-harvest loans up to 6 months get the same interest subvention as crop loans (for KCC holders, up to Rs 3 lakh).", "loan_amount": "Up to a percentage of the value of stored, graded produce.", "tenure": "Up to ~6-12 months (until sale).", "benefits": "Holds produce for better prices; low-cost post-harvest liquidity; reduces distress selling.", "eligibility": "Farmers storing notified produce in a WDRA-accredited warehouse.", "application_process": [ "Store graded produce in an accredited warehouse and obtain the (electronic) warehouse receipt (e-NWR).", "Apply to the bank with the e-NWR for a pledge loan.", "Bank disburses against the receipt; repay on sale and take delivery."], "documents": ["Warehouse receipt (e-NWR)", "ID/address proof", "Bank account"], "portal": "https://wdra.gov.in", "helpline": "1800-180-1551", "source": "WDRA / RBI"}, {"id": "fpo-credit", "name": "FPO Credit & Credit Guarantee", "provider": "Banks (SFAC / NABARD credit guarantee)", "category": "FPO & SHG finance", "summary": "Working capital and term finance for Farmer Producer Organisations for input aggregation, custom hiring, processing and marketing, backed by a credit-guarantee cover that reduces collateral requirements.", "interest": "Bank lending rate; the AIF route adds a 3% interest subvention for eligible projects.", "loan_amount": "Project/turnover based, with credit-guarantee cover up to the scheme ceiling.", "tenure": "Working capital (1 year, renewable) and term loans (per project).", "benefits": "Collateral relief via guarantee; scale benefits for member farmers; eligible for AIF subvention.", "eligibility": "Registered FPOs/FPCs meeting the lender's and guarantee scheme's norms.", "application_process": [ "Prepare a business plan and FPO financials.", "Apply to the bank (and for AIF subvention on agriinfra.dac.gov.in if applicable).", "Bank appraises and sanctions with credit-guarantee cover.", "Draw and use for the approved activities."], "documents": ["FPO registration & bye-laws", "Audited financials/business plan", "Board resolution", "Bank account"], "portal": "https://sfacindia.com", "helpline": "1800-180-1551", "source": "SFAC / NABARD"}, {"id": "shg-bank-linkage", "name": "SHG-Bank Linkage / Joint Liability Group Loan", "provider": "Banks (NABARD SHG-BLP)", "category": "FPO & SHG finance", "summary": "Credit to Self-Help Groups and Joint Liability Groups of small/tenant farmers on the strength of group savings and joint liability - financial inclusion without individual collateral.", "interest": "Bank's SHG lending rate; many states add an interest-subvention top-up.", "loan_amount": "A multiple of the group's savings/corpus, rising over cycles.", "tenure": "Cash-credit/term, renewed each cycle.", "benefits": "Collateral-free group credit; builds credit history; suits landless/tenant farmers.", "eligibility": "Functioning SHGs/JLGs with regular savings and group discipline.", "application_process": [ "Form/strengthen the group and maintain regular savings and meetings.", "Open a group bank account and build a track record.", "Apply for the group loan; bank assesses group grading.", "On-lend internally and repay collectively."], "documents": ["Group registration/records", "Savings passbook", "Members' KYC", "Group resolution"], "portal": "https://www.nabard.org", "helpline": "1800-180-1551", "source": "NABARD SHG-Bank Linkage Programme"}, {"id": "agri-infra-loan", "name": "Agriculture Infrastructure Fund (AIF) Financing", "provider": "Banks / NBFCs (AIF)", "category": "Infrastructure", "summary": "Medium/long-term debt for post-harvest infrastructure and community farming assets - warehouses, cold chains, grading/sorting units, primary processing - with a 3% interest subvention and credit-guarantee support.", "interest": "3% interest subvention (up to a loan ceiling) over the bank rate, for up to 7 years.", "loan_amount": "Project-based; subvention on loans up to the scheme ceiling per project.", "tenure": "Up to 7 years subvention; moratorium 6-24 months.", "benefits": "Cheaper long-term capital for agri infrastructure; credit-guarantee cover for eligible borrowers.", "eligibility": "Farmers, FPOs, PACS, agri-entrepreneurs, startups and others with eligible projects.", "application_process": [ "Register the project on the AIF portal (agriinfra.dac.gov.in).", "The application is routed to a lending bank for appraisal.", "On sanction, avail the loan with the interest subvention applied.", "Implement and operate the asset."], "documents": ["Project report", "Entity/ID documents", "Land/site papers", "Bank details"], "portal": "https://agriinfra.dac.gov.in", "helpline": "1800-180-1551", "source": "Ministry of Agriculture & Farmers Welfare"}, {"id": "solar-pump-loan", "name": "Solar Pump (PM-KUSUM) Financing", "provider": "Banks (NABARD refinance)", "category": "Renewable energy", "summary": "Term finance for the farmer's share of a solar irrigation pump under PM-KUSUM, where central + state subsidy covers a large part of the cost and the bank funds the balance.", "interest": "Bank's agri term-loan rate on the farmer's share.", "loan_amount": "Farmer share after subsidy (often the remaining ~30-40% of system cost).", "tenure": "About 5 years term loan.", "benefits": "Cuts diesel/power costs and gives reliable day-time irrigation; large upfront subsidy reduces the loan.", "eligibility": "Farmers sanctioned a pump under the state's PM-KUSUM allocation.", "application_process": [ "Apply for a solar pump on your state's PM-KUSUM portal and get the sanction.", "Approach the bank to finance the farmer's share.", "Empanelled vendor installs the system; subsidy is adjusted.", "Repay the term loan."], "documents": ["PM-KUSUM sanction", "Land records", "ID/address proof", "Bank account"], "portal": "https://pmkusum.mnre.gov.in", "helpline": "1800-180-3333", "source": "MNRE / NABARD"}, {"id": "horticulture-loan", "name": "Plantation & Horticulture Development Loan", "provider": "Banks (NABARD / MIDH linkage)", "category": "Term loan / investment credit", "summary": "Long-tenure investment credit to establish orchards, plantations and protected cultivation (poly-houses, shade-nets), with a long gestation/moratorium aligned to when the crop starts yielding; often combined with MIDH subsidy.", "interest": "Bank's agri term-loan rate.", "loan_amount": "Per-hectare unit cost based; can be stacked with MIDH capital subsidy.", "tenure": "Up to 15 years with a gestation/moratorium until bearing.", "benefits": "Funds high-value perennial crops; repayment starts after the crop yields; MIDH subsidy lowers the effective cost.", "eligibility": "Farmers establishing notified horticulture/plantation crops with suitable land.", "application_process": [ "Plan the orchard/protected-cultivation unit (KVK/Horticulture Dept can help).", "Apply at the bank with the unit cost and land details (and for MIDH subsidy in parallel).", "Bank sanctions with a gestation period.", "Establish in phases and repay after bearing."], "documents": ["Land records", "Unit-cost/project estimate", "ID/address proof", "Bank account"], "portal": "https://midh.gov.in", "helpline": "1800-180-1551", "source": "NABARD / MIDH"} ]