State scheme
State 0% crop loans
State governments, through cooperative banks and PACSSeveral states
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.
What it is
These schemes add a state subsidy on top of the central 4% and work mainly through cooperative banks and PACS. Nearly all need repayment by the due date.
Tamil Nadu refunds the 7% on time up to ₹3 lakh. Madhya Pradesh, Maharashtra and Gujarat give 0% up to ₹3 lakh. Karnataka gives 0% on short-term loans up to ₹5 lakh.
Odisha gives 0% up to ₹1 lakh and 2% from ₹1 to 3 lakh. Haryana gives 0% up to ₹1.5 lakh. Punjab has no such scheme on record.
Several statesCoverageYour village PACS or district cooperative bankApply at0%Rate
Eligibility at a glance
Farmers in a state with a 0% scheme
Members of the village PACS or the cooperative bank
Loan within the state's cap
Apply at: Your village PACS or district cooperative bank
Key facts
- Amount: State cap: ₹1 lakh to ₹5 lakh (see the state list)
- Repayment: By the due date, usually within 12 months
- Security: Cooperative bank norms; PACS membership
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