crop loan, kheti ka loan, agriculture loan kaise le, fasal loan
Kheti ke liye loan kaise le? How to get an agriculture crop loan?
IImran Khan1yr ago · 343 views
6 Answers
🌾Farmer.in Krishi TeamExpert ✓1yr ago
The easiest way to get a crop loan is through a Kisan Credit Card (KCC), which gives short-term credit for seeds, fertiliser, labour and other input costs at an effective 4% interest if you repay on time. Apply at any public sector, regional rural, or cooperative bank with your Aadhaar, land records, and crop details. For loans up to Rs 1.6 lakh no collateral is needed. For longer-term needs like buying equipment, a borewell, or livestock, banks offer agriculture term loans, often with NABARD refinance. Avoid private moneylenders who charge very high interest. If you do not have land in your name, tenant farmers and sharecroppers can still get credit through Joint Liability Groups (JLGs). Ask your bank branch for the right product for your need.
MMunna Lal1yr ago
Crop loan ke liye KCC sabse sasta hai. Maine pehle ek private sahukar se liya tha, byaj itna zyada tha ki fasal ka saara munafa usi me chala gaya. Bank se KCC banwane ke baad bahut farak pada.
PParvathi Reddy11mo ago
For short-term seed and fertiliser money use the KCC, but for buying a tractor or digging a borewell ask for a separate term loan. Mixing the two confused my repayment. Keeping them separate made the accounts clearer.
KKallu Ram9mo ago
Landless cultivator hoon, mujhe gaon me ek JLG group banwa ke loan mila. Bank group ko deta hai aur sab ek doosre ki guarantee dete hain. Bina jameen wale isi raaste se loan le sakte hain.
TThomas Mathew7mo ago
Before borrowing, ask whether your need fits an existing subsidy scheme. My drip irrigation came partly through a subsidy plus a smaller loan, so I borrowed much less than I first planned. The agriculture office told me about it.
GGeetanjali Das6mo ago
If a bank keeps turning you away, it helps to know agriculture credit is a priority sector target for them. Asking for a written reason for refusal usually gets the loan processed instead. Otherwise raise it with the lead district manager.