Loans
Raithu VikasAvailable Farm Loan & Insurance Schemes
Institutional agricultural credit backed by Central & State Government subsidies
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Kisan Credit Card (KCC)
State Bank of India (SBI)
4% p.a.● Govt Subsidized Rate
Loan Limit
Up to ₹3,00,000
Tenure
12 Months Revolving
Zero collateral required up to ₹1,60,000
Direct Rupay Kisan ATM card provided
Flexible repayment aligned with harvest cycles
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Seasonal Crop Loan
NABARD Partner NBFC
7% p.a.● Fast 48-Hour Approval
Loan Limit
Up to ₹10,00,000
Tenure
6 - 12 Months
Instant disbursement based on AgriScore
No advance processing fee for verified farmers
Pay principal balance after selling harvest
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Tractor & Farm Equipment Loan
Mahindra Agri Finance
10.5% p.a.● 90% On-Road Funding
Loan Limit
Up to ₹15,00,000
Tenure
36 - 60 Months
Covers tractors, harvesters & spray drones
Up to 90% funding with minimum down payment
Zero penalty on early loan foreclosure
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PMFBY Crop Protection Insurance
Agri Insurance Co. (AIC)
1.5% - 2% Premium● Comprehensive Calamity Cover
Loan Limit
100% Crop Value Covered
Tenure
1 Cultivation Season
Central & State Government premium subsidy
Full cover for drought, floods & unseasonal rains
Fast claim settlement directly to Aadhaar bank account
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e-NWR Warehouse Receipt Loan
WDRA Certified Warehouses
6.5% p.a.● Avoid Distress Sale
Loan Limit
Up to ₹25,00,000
Tenure
Up to 12 Months
Borrow up to 75% of stored commodity value
Hold produce until market prices peak
Zero physical inspection fee for WDRA receipts
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Solar Irrigation Pump Subsidy Loan
PM-KUSUM & State Discom
Up to 90% Subsidy● Zero Electric Bills
Loan Limit
3HP - 7.5HP Solar Pumps
Tenure
60 Months
30% Central + 30% State govt subsidy grant
Farmer contribution only 10% of total unit cost
25-year solar panel performance warranty
Kisan Credit Card (4% Subsidized) Interest Calculator
Calculate your transparent interest payments before applying
Borrowing Amount:₹100,000
Loan Tenure:12 Months (Harvest Cycle)
Monthly Interest Cost
₹333 /month
Only 4% Govt Rate
Total Repayment
₹104,000
Principal + 4000 Interest