Do small farmers get extra interest subvention on a loan against warehouse receipt after harvest?

Yes, the interest subvention scheme has a special provision so small and marginal farmers are not forced to sell immediately at low harvest prices. If you hold a Kisan Credit Card and store your produce in an accredited warehouse against a Negotiable Warehouse Receipt, you can get the same concessional interest rate that applies to crop loans for a further limited period after harvest, instead of the higher commercial rate. This gives you a window to wait for better prices while paying cheap interest, provided you meet the small or marginal farmer condition and the loan is within the eligible amount. The extra period, the eligible ceiling and the documents needed are fixed by the scheme and revised from time to time. Ask your bank whether your warehouse is accredited and confirm the current post-harvest subvention period and rate before you store, so you can plan your selling.