Loan directory & eligibility checker
Every farm loan in one place, and which ones fit you
Check your eligibility
4 questions. The loan cards below re-sort as you answer.1How do you farm?
2What is the money for?
3How much do you need?
4Which state?
Used for your state’s 0% crop loan and its cap.
- Kisan Credit Card (KCC)7%, or 4% if you repay on time.
- State 0% crop loansApply at your PACS or cooperative bank for 0%.
- Agricultural gold loan (public banks)Needs gold. Repay in 12 months to get it back.
- KCC for animal husbandry and fisheriesOnly for animals and fish.
- Agriculture Infrastructure Fund (AIF)Only for storage and processing.
- PM-KUSUM B and C (solar pumps)Only for irrigation pumps.
- Animal Husbandry Infrastructure Development Fund (AHIDF)Only for animals and fish.
- Fisheries and Aquaculture Infrastructure Development Fund (FIDF)Only for animals and fish.
- PM Matsya Sampada Yojana (PMMSY)Only for animals and fish.
- PMEGP (new agro and food units)Only for starting a business.
- PM Mudra YojanaOnly for animals and fish, starting a business.
- Stand-Up IndiaOnly for starting a business.
- PM-FME (micro food processing)Only for starting a business.
- Agri-Clinics and Agri-Business Centres (ACABC)Only for starting a business.
- FPO credit guaranteeOnly for groups (SHG, FPO or JLG).
- e-NWR pledge loan (CGS-NPF)Only for storage and processing, quick cash.
- DAY-NRLM self-help group loanOnly for groups (SHG, FPO or JLG).
- SBI New Tractor LoanOnly for tractors and machines.
- Tractor loans from NBFCsOnly for tractors and machines.
- Land purchase loanOnly for buying land.
- Microfinance (JLG) loansOnly for quick cash, starting a business, animals and fish.
What farm loans cost
Typical yearly interest by lender, September 2026. The same tractor can cost twice as much at a private lender.
Kisan Credit Card (KCC)
A running credit limit for crop costs, post-harvest needs and farm upkeep. The cheapest farm credit in India.
- Amount
- Scale of finance for your crop × area, plus 10% for post-harvest and household needs and 20% for farm repairs
- Repay
- Each crop loan by harvest: 12 months for short crops, 18 months for long crops
- Security
- None up to ₹2 lakh. ₹2–3 lakh with crop hypothecation and a recovery tie-up
State 0% crop loans
At least 8 states add their own subsidy on top of the central 4%, so a cooperative crop loan costs nothing if you repay on time.
- Amount
- State cap: ₹1 lakh to ₹5 lakh (see the state list)
- Repay
- By the due date, usually within 12 months
- Security
- Cooperative bank norms; PACS membership
Agricultural gold loan (public banks)
Quick cash against gold for farm needs, repaid in one payment within 12 months.
- Amount
- 85% of gold value up to ₹2.5 lakh; 80% up to ₹5 lakh; 75% above
- Repay
- One payment within 12 months, or EMI
- Security
- Your gold
KCC for animal husbandry and fisheries
A KCC for the running costs of cows, buffaloes, goats, poultry and fish. Open to keepers without land.
- Amount
- ₹2 lakh subsidised, inside the ₹3 lakh overall cap. SBI lends below ₹50 lakh at its own rate above that
- Repay
- Revolving limit, renewed yearly
- Security
- None up to ₹2 lakh; mortgage above ₹2 lakh at SBI
Agriculture Infrastructure Fund (AIF)
About 6% interest on up to ₹2 crore for warehouses, cold stores, pack houses and primary processing.
- Amount
- Interest help on up to ₹2 crore per project per location; up to 25 projects in different places
- Repay
- Up to 7–10 years, with a 6-month to 2-year moratorium
- Security
- CGTMSE guarantee up to ₹2 crore, fee paid by government. You put in at least 10%
PM-KUSUM B and C (solar pumps)
The Centre and state pay 60% of a solar pump. You pay 10%, and a bank loan can cover the other 30%.
- Amount
- SBI: ₹25,000 to ₹10 lakh
- Repay
- Up to 120 months including moratorium
- Security
- Bank norms; you pay 10%
Animal Husbandry Infrastructure Development Fund (AHIDF)
Loans up to 90% of the cost of dairy, meat and feed plants and breeding farms, with 3% interest help for 8 years.
- Amount
- Up to 90% of project cost (micro and small units)
- Repay
- Up to 10 years with a 2-year moratorium
- Security
- Up to 25% guarantee cover from a ₹750 crore fund
Fisheries and Aquaculture Infrastructure Development Fund (FIDF)
Loans from 5% for fishing harbours, hatcheries, cold chains and feed mills.
- Amount
- Project-based
- Repay
- 12 years with a 2-year moratorium
- Security
- Through the AHIDF guarantee fund
PM Matsya Sampada Yojana (PMMSY)
40% subsidy (60% for SC, ST and women) on fish ponds, RAS, biofloc, boats and fish kiosks, with a bank loan for the rest.
- Amount
- Project-based
- Repay
- 3 to 15 years with a 6 to 24-month moratorium
- Security
- Bank norms
PMEGP (new agro and food units)
A 25% to 35% subsidy in rural areas on a bank loan to start a new agro or food unit.
- Amount
- Up to ₹50 lakh (manufacturing), ₹20 lakh (service)
- Repay
- As per bank
- Security
- Bank norms
PM Mudra Yojana
Loans up to ₹20 lakh without collateral for dairy, poultry, beekeeping and small food units. Not for crop loans.
- Amount
- Up to ₹20 lakh in 4 tiers
- Repay
- As agreed with the lender
- Security
- None
Stand-Up India
₹10 lakh to ₹1 crore for a first business, including agri-allied units, by SC, ST or women entrepreneurs.
- Amount
- ₹10 lakh to ₹1 crore, up to 85% of cost
- Repay
- As per bank
- Security
- Bank norms
PM-FME (micro food processing)
35% subsidy up to ₹10 lakh on micro food processing units, and ₹40,000 seed money per SHG member.
- Amount
- 35% subsidy up to ₹10 lakh
- Repay
- As per bank
- Security
- Bank norms
Agri-Clinics and Agri-Business Centres (ACABC)
Loans up to ₹20 lakh (₹1 crore for groups) with a 36% to 44% subsidy for agri graduates starting a business.
- Amount
- Up to ₹20 lakh single, ₹1 crore group
- Repay
- As per bank
- Security
- Own share nil up to ₹5 lakh, 15% above
FPO credit guarantee
Loans up to ₹2 crore per farmer producer organisation with no collateral.
- Amount
- Up to ₹2 crore per FPO
- Repay
- As per lender (Canara FPO loans about 10.3%)
- Security
- None; guarantee covers 75–85%
e-NWR pledge loan (CGS-NPF)
Store your produce in a registered warehouse, get an electronic receipt, and borrow against it instead of selling at a low price.
- Amount
- Agri loans up to ₹75 lakh guaranteed
- Repay
- Up to 12 months
- Security
- The warehouse receipt
DAY-NRLM self-help group loan
Bank loans for women's self-help groups: ₹1.5 lakh first, then ₹3 lakh, then ₹6 lakh or more, at 7% up to ₹3 lakh.
- Amount
- ₹1.5 lakh first dose, ₹3 lakh second, ₹6 lakh+ after
- Repay
- 2 to 7 years, monthly or quarterly
- Security
- None up to ₹20 lakh
SBI New Tractor Loan
A loan to buy a new tractor, with the tractor itself as security.
- Amount
- Up to ₹25 lakh
- Repay
- Up to 5 years, half-yearly
- Security
- Tractor hypothecated; 25% margin; min 2 acres
Tractor loans from NBFCs
Faster tractor loans with flexible repayment, usually at a higher rate than public banks.
- Amount
- Up to ₹15 lakh (L&T Finance)
- Repay
- 12 to 72 months; monthly, quarterly or half-yearly
- Security
- Tractor hypothecated
Land purchase loan
A long loan for small and marginal farmers to buy more farm land.
- Amount
- Based on land value
- Repay
- 7 to 10 years, half-yearly, 1–2 year moratorium
- Security
- The land bought; about 15% margin
Microfinance (JLG) loans
Small loans without security for households earning up to ₹3 lakh a year. Expect about 20% to 26%.
- Amount
- ₹5,000 to ₹2 lakh (CreditAccess Grameen)
- Repay
- Weekly, fortnightly or monthly over 1 to 3 years
- Security
- None
Sources
From the AgriFolk Finance hub research report, checked 24 Sep 2026, and the official sources it names below. RBI repo rate and SBI MCLR read from the RBI and SBI rate pages on 7 Oct 2026; floating rates are that benchmark plus the bank’s published spread.
- Cabinet decision on MISS · 28 May 2025
- PIB: KCC progress · 11 Mar 2026
- RBI draft KCC Directions · Feb 2026
- IBA advisory on KCC fees (PIB) · 4 Feb 2019
- SBI rate pages · Sep 2026
- MP Cabinet · 24 Jun 2026
- Karnataka Budget 2026-27 · 2026
- TNSC Bank page · Sep 2026
- Odisha government · Mar 2026
- AIF portal · Sep 2026
- PIB: AIF progress · 3 Feb 2026
- PM-KUSUM guidelines (MNRE) · 2026
- SBI rate page · Sep 2026
- AHIDF guidelines · 2026
- FIDF guidelines · 2025-26
- PMMSY guidelines · 2025-26
- PMEGP guidelines (KVIC) · 2025-26
- PM Mudra Yojana · Sep 2026
- Stand-Up India · 2025
- PM-FME guidelines · 2025-26
- ACABC guidelines · Sep 2026
- FPO credit guarantee scheme · Sep 2026
- CGS-NPF launch · 16 Dec 2024
- RBI Master Circular on SHG linkage · 1 Apr 2025
- SBI rate pages · 15 Sep 2026
- L&T Finance, Shriram Finance product pages · Sep 2026
- RBI Gold and Silver Collateral Directions · 1 Apr 2026
- PNB, Canara rate sheets · Aug–Sep 2026
- Canara Bank rate sheet · 18 Aug 2026
- RBI Master Direction on microfinance · 1 Apr 2022
Information only, not financial advice. Final terms are set by the lender. AgriFolk never says “approved”.