Multiple banks. Different interest rates. Call it a "conflict of interest".
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    Crop Loan

    We found 32 Crop Loan

    Bank Name
    Interest Rate Range
    Processing Fee Range
    Loan Amount
    Tenure Range
    11.49% - 15.99% Fixed
    1% to 2.5%
    30L Max
    1-5 Years
    Response Time Within 30 minutes
    Rs.1000 Amazon voucher free Ad
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    Customer Reviews
    10.99% - 14.49% Fixed
    0
    30L Max
    1-5 years
    Response Time Within 30 minutes
    Rs.1000 Amazon voucher free Ad
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    Fees & Charges
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    Customer Reviews
    12% - 18% Fixed
    Up to 1.5% One time fee
    15L Max
    1-5 years
    Response Time Within 30 minutes
    Rs.1000 Amazon voucher free Ad INSTANT DECISION
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    Customer Reviews
    11.99% - 19.50% Fixed
    0 One time fee
    20L Max
    1-6 Years
    Response Time Within 30 minutes
    Rs.1000 Amazon voucher free Paperless approval option available
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    Perks
    Fees & Charges
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    Eligibility Criteria
    Customer Reviews
    13.99% - 16.99% Fixed
    1% - 2% One time fee
    20L Max
    1-5 years
    Response Time Within 30 minutes
    Rs.1000 Amazon voucher free Paperless Approval Option Available
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    Perks
    Fees & Charges
    Good to Know
    Eligibility Criteria
    11.00% - 17.99% Fixed
    2.25% (min. ₹1149) One time fee
    20L Max
    1-5 Years
    Response Time Within 30 minutes
    Rs.1000 Amazon voucher free Paperless approval option available
    What you'll love
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    Perks
    Think about
    Fees & Charges
    Good to Know
    Eligibility Criteria
    Customer Reviews
    10.85% - 11.85% Floating
    0.5% One time fee
    50 K - 10 L
    1-5 Years
    Response Time Within 30 minutes
    Guarantor Required Paperless approval option available
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    Good to Know
    Eligibility Criteria
    10.99% - 19.8% Fixed
    Up to 2.5% One time fee
    25L Max
    1-5 years
    Response Time Within 30 minutes
    Rs.1000 Amazon voucher free Paperless approval option available
    What you'll love
    Documents
    Perks
    Think about
    Fees & Charges
    Good to Know
    Eligibility Criteria
    Customer Reviews
    11.99% - 19% Fixed
    Up to ₹3000 One time fee
    25L Max
    1-5 years
    Response Time Within 30 minutes
    Rs.1000 Amazon voucher free Paperless approval option available
    What you'll love
    Documents
    Perks
    Think about
    Fees & Charges
    Good to Know
    Eligibility Criteria
    Customer Reviews
    17.25% - 37% Fixed
    1.5% to 6.0% One time fee
    15L Max
    1-4 Years
    Response Time Within 30 minutes
    Rs.1000 Amazon voucher free Paperless approval option available
    What you'll love
    Documents
    Perks
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    Fees & Charges
    Good to Know
    Eligibility Criteria
    11.49% - 20.15% Fixed
    Up to 2%
    15L Max
    1-5 years
    Response Time Within 30 minutes
    Rs.1000 Amazon voucher free
    What you'll love
    Documents
    Perks
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    Fees & Charges
    Good to Know
    Eligibility Criteria
    Customer Reviews
    11.5% - 13.25% Fixed
    0 One time fee
    30L Max
    1-5 Years
    Response Time Within 30 minutes
    Rs.1000 Amazon voucher free
    What you'll love
    Documents
    Perks
    Fees & Charges
    Good to Know
    Eligibility Criteria

    Crop Loan is Rated as "Great!" by 74151 Users

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    Personal Loan BYTES FROM OUR KITCHEN

    What is Crop Loan?

    Agriculture is the most important sector in India. But, the farmers face a lot of difficulties with regard to procuring the best seeds to buying the best fertilizer and machinery. To help the farmers and agriculturists with the finances, the lenders are offering crop loans.

    Crop loan is a short term advance that is given to the farmers and agriculturists by banks and co-operative societies. The loan amount can be used to purchase improved seeds, fertilizers, machinery etc. The crop loans are provided as agriculture is a priority sector. The loan is usually repaid in single instalment after the crop production. Crop loan is a Secured Loan and the interest is debit on a half- yearly basis at simple rate of interest. The loans provided by any lenders and co-operative societies can be refinanced by NABARD.

    Steps to get a Secured Loan on Credit

    • Compare all the lenders and the rates that the lender is providing for the crop loans. Look into private sector as well as specified organisations.
    • Based on your initial check, choose certain lenders and make a list so that you know who to approach for different purposes.
    • Run a background checks on the lenders and look into their financial stability and those who have a good customer service.
    • Approach a lender and get a quote and then approach the remaining lenders and try to negotiate the rates.
    • Choose a lender that is understanding of your situation and who is willing to go out of his way to help you.
    • Prepare a document that includes details of your previous performance of the crop that you wish to use as a collateral to avail the loan. You must include information on your asset, current liabilities and other relevant information. Include information that may have negatively impact your crop production as well.
    • Finally submit the application along with the required documents.

    In India, the following banks offer Crop Loans

    • Union Bank of India
    • IDBI Bank
    • State Bank of India
    • ICICI Bank
    • HDFC Bank
    • UCO Bank
    • Axis Bank
    • Allahabad Bank
    • Andhra Bank
    • Bank of Baroda
    • Bank of India
    • Bank of Maharashtra
    • Canara Bank
    • Central Bank of India
    • Corporation Bank
    • Dena Bank
    • Indian Bank
    • Indian Overseas Bank
    • Oriental Bank of Commerce
    • Punjab and Sind Bank
    • Punjab National Bank
    • Syndicate Bank
    • United Bank of India
    • Vijaya Bank

    The following Cooperative Banks offer Crop Loan Schemes

    • National Bank for Agriculture and Rural Development
    • Bihar State Co-operative Bank Limited
    • Haryana State Co-operative Apex Bank Limited
    • National Federation of State Co-operative Banks Limited
    • Odisha State Co-operative Bank Limited
    • Repatriates Co-operative Finance and Development Bank Limited
    • Punjab State Cooperative Agriculture Development Bank Limited
    • Andhra Pradesh State Cooperative Bank Limited

    News About Crop Loan

    • 23,000 farmers benefit from Crop Loan waiver

      The Tamil Nadu Government has given a sigh of relief to 23,536 farmers who have taken crop loans in the Madurai district. According to a recent report, 182 primary cooperative societies, Melur Primary Agriculture and Rural Development Bank, and Madurai District Central Cooperative Bank have sanctioned crop loans to over 23,000 farmers. The loans amass to a tune of Rs.116.29 crore. 6,108 farmers have been given loans to a tune of Rs.42.31 crore this year. There has also been an initiative to set up 14 cooperative medical shops and 5 Amma medical shops with the intention of helping out the elderly. These outlets will now sell medicines at a discount of 15%.

      8th February 2017

    • Nashik District exceeds Crop Loan disbursement Target By 18%

      The district of Nashik has placed third in the state of Maharashtra in terms of the disbursement of kharif crop loans. Having exceeded their set target by a modest margin of 18% points, Nashik has left behind several major districts in terms of the crop loan disbursement. A senior district collectorate official spoke that instead of the set target of disbursing Rs 2,350.75 crore for kharif crop loan, the district actually disbursed kharif crop loans worth Rs 2,784.04 crore. The district level consultative committee (DLCC). Lead by the collector was responsible for managing the performance of banks in the district. They had previously implemented various kinds of initiatives in order to not only approach the common man but also make them aware of the advantages of credit services and facilities provided by nationalized banks. Bankers in the district of Nashik have provided loans to the tune of Rs 2,784 crore and exceeded their target by 18%. Other districts such as Ahmednagar disbursed loans worth up to Rs 2,429 crore and were left short of 10% from achieving their target of crop loan disbursal which was Rs 339 crore over the target se for Nashik.

      5th January 2017

    • Cash-strapped KDCC bank has disbursed only a small percentage of crop loans

      The recent demonetisation of high-value currencies by the Modi-led government has put the whole country in a tight spot. From the general public to farmers to banks, everyone has struggled after the demonetisation announcement by Prime Minister Narendra Modi on November 8. The RBI’s stringent disbursement rules have made situations even worse for banks and farmers. Farmers preparing for the Rabi crop season have suffered the brunt of this decision and mostly, the Rabi crop season could be delayed. In the district of Kolhapur, KDCC bank - also suffering from the cash crunch - has been able to disburse only Rs.11.52 crore from October to December for crop loans for the Rabi season. Just last year, in the same period, KDCC was able to disburse loans amounting to Rs.600 crore. The bank manager has blatantly stated that they do not have the money to disburse crop loans to farmers, and this has reflected poorly on the government’s credibility with regard to managing the cash crunch in the country.

      2nd January 2017

    • Nagpur division sees disbursal of Rs.2,803 crore crop loan

      The kharif season of this year in Nagpur saw disbursal of crop loan of Rs.2,803.13 in six districts. The loan amount is Rs.509.08 crore higher than last year’s crop loan disbursal in the kharif season. A target of Rs.2,827.39 crore was set by the state government for the division and according to a report from the divisional commissionerate, 99.14% of the target has been achieved. Total of 3,98,446 farmers have obtained crop loan this year. However, the number of farmers who availed the loan is low as 20% of the account holders are considered to be no more or moved to other places.

      22nd September 2016

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  • Crop Loan Reviews

    • HDFC Bank Personal Loan
      "Fast and Best Service in HDFC"
      0.5 5.0/5 "Blown Away!"
      I am an account holder of HDFC, hence my home branch have reached me and provided the best loan option. They sanctioned the personal loan with the interest rate around 14% and they processed within same days. Hence I have cancelled HDFC online loan request.
      Was this review helpful? 1
      , dindigul
      Reviewed on May 27, 2017
    • Kotak Personal Loan
      "Its Better"
      0.5 4.0/5 "Great!"
      After giving the loan request to Kotak Mahindra bank, they had called me and shared the loan process update. But due to the personal reason I had postponed the plan. Other banks are providing beneficial interest rate but Kotak charges high rate.
      Was this review helpful? 0
      , new delhi
      Reviewed on May 27, 2017
    • Bank Bazaar Customer Support
      "Excellent services"
      0.5 5.0/5 "Blown Away!"
      The services at Bankbazaar has been up to my satisfaction. It was a nice experience because the team was helpful in giving me the details and they also checked about my requirement as well. They were in constant touch and the website was good and user friendly.
      Was this review helpful? 0
      , faridabad
      Reviewed on May 27, 2017
    • IDBI Personal Loan
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      IDBI is good in the rate of interest. I got the interest rate of 9.8% for the personal loan with the processing fee of 1% of the loan amount. Documentation process is very simple and it is surely a recommendable bank. Even they maintain good customer service.
      Was this review helpful? 0
      , bangalore
      Reviewed on May 27, 2017
    • Bank Bazaar Customer Support
      "Prompt service"
      0.5 5.0/5 "Blown Away!"
      I do not have any suggestions for bankbazaar as everything went good with them when I approached them for the loan process. Their website is easy to handle and it is informative. I got very good responsiveness and good customer service from bankbazaar.
      Was this review helpful? 0
      , bangalore
      Reviewed on May 27, 2017
    • Citibank Personal Loan
      "High Interest Rate"
      0.5 4.0/5 "Great!"
      Citi bank is on higher end in terms of interest rate. They quoted some high rate of interest for the personal loan. When I checked with other banks, I got lower interest rate than CITI bank so I closed my application with CITI. Customer service and everything is fine except the interest rate.
      Was this review helpful? 0
      , bangalore
      Reviewed on May 27, 2017
    • Kotak Personal Loan
      "Good overall"
      0.5 4.0/5 "Great!"
      Kotak Mahindra Bank has been good in the services for the personal loan. The team contacted me on time and informed me the details. The loan could not process due to the banking norms. I was offered a normal interest rate and processing charges.
      Was this review helpful? 0
      , faridabad
      Reviewed on May 27, 2017
    • Tata capital Personal Loan
      "Interest rate is high "
      0.5 2.5/5 "Just OK"
      My existing home loan was running with AXIS, I thought its better to take personal loan from same AXIS bank. Hence I have not taken personal loan from TATA Capital and their interest rate is too much high. Tata Capital charging around 13.99% but AXIS giving 11.99% of interest.
      Was this review helpful? 0
      , ahmedabad
      Reviewed on May 27, 2017
    • Bank Bazaar Customer Support
      "Overall good"
      0.5 4.0/5 "Great!"
      My overall experience with Bankbazaar was good. I was contacted on time and given the details.The website was good and informative. But when I click on the bank names to get more details is was taking me to the application page. Else good and no issues.
      Was this review helpful? 0
      , bangalore
      Reviewed on May 27, 2017
    • ICICI Bank Personal Loan
      "Prompt service"
      0.5 5.0/5 "Blown Away!"
      ICICI bank offered high interest rate for the personal loan which is 12.75%. Th services are very prompt and they are really good in processing the loan application. I did not have any issues with them in the entire process. All things went good with them.
      Was this review helpful? 0
      , pune
      Reviewed on May 27, 2017
    • Standard Chartered Bank Personal Loan
      "Good services"
      0.5 4.0/5 "Great!"
      Since I had to travel out of the country, I did not proceed ahead for the personal loan with Standard Chartered Bank. They did contact me a couple of time for the loan. The rate of interest was low but not the lowest, it was around 11.49% and the processing charges were normal.
      Was this review helpful? 0
      , bangalore
      Reviewed on May 27, 2017
    • Bank Bazaar Customer Support
      "Supportive Service"
      0.5 4.0/5 "Great!"
      Two years ago I availed the loan through bankbazaar. So again I approached bankbazaar for the personal loan this time. I got good response from them and their website is quite easy to handle. It would be fine if the mobile app is even more user friendly. Overall service is pretty good.
      Was this review helpful? 0
      , pune
      Reviewed on May 27, 2017
    • Capital First Personal Loan
      "Good Service"
      0.5 4.0/5 "Great!"
      When I applied for the personal loan with Capital First, they offered the loan but it was not up to my requirement also I got better offers from other banks so I just moved out from capital First. But their response and customer services are good with capital first. Interest rate and processing fee is good with Capital First.
      Was this review helpful? 0
      , pune
      Reviewed on May 27, 2017
    • Axis Bank Personal Loan
      "Good"
      0.5 4.0/5 "Great!"
      I have closed the personal loan with the Axis bank and the rate of interest was around 14.5% and the processing charges were okay with them. I would like to suggest that they can make lesser rate of interest for the customer, so that they can make the business. Customer service is fine one with them.
      Was this review helpful? 0
      , gurgaon
      Reviewed on May 27, 2017
    • HDFC Bank Personal Loan
      "Good"
      0.5 4.0/5 "Great!"
      I have made the balance transfer of my personal loan with the HDFC bank and the rate of interest was around 11.29%, which is really good. The loan amount got disbursed to my account within three to four days of time, also there were no processing charges with them till now.
      Was this review helpful? 0
      , gurgaon
      Reviewed on May 27, 2017
    • Kotak Personal Loan
      "Timely process has to be done"
      0.5 4.0/5 "Great!"
      I am not happy with Kotak Mahindra personal loan process, they took more than a month and they processed an EMI before sanctioning the loan. I took the amount of 3 lakhs with the tenure of 3 years and my EMI is 10,802, its running without any issues.
      Was this review helpful? 0
      , chennai
      Reviewed on May 27, 2017
    • Bank Bazaar Customer Support
      "Very good in services"
      0.5 5.0/5 "Blown Away!"
      The customer services are good at Bankbazaar and they know how to handle a customer. The portal is good and very much helpful. It helped me to identify the right bank by using the comparison tools on the portal. The follow up calls are also of great support to me.
      Was this review helpful? 0
      , raipur
      Reviewed on May 27, 2017
    • Bank Bazaar Customer Support
      "Easy to Navigate"
      0.5 4.0/5 "Great!"
      Bank Bazaar come to know through online but they are good in service, they are doing speedy service and they are analyzing the customer's profile and giving best service. The portal is also good to check multi information of banking products.
      Was this review helpful? 0
      , chennai
      Reviewed on May 27, 2017
    • ICICI Bank Personal Loan
      "Unhappy with the banking services"
      0.5 1.0/5 "Really Bad"
      I had applied for a personal loan with ICICI bank and it was not up to the mark. The customer support needs to be more professional and though I received a response, I am not happy with the overall services. I did not go to the extent to talk about the interest rate and charges.
      Was this review helpful? 0
      , raipur
      Reviewed on May 27, 2017
    • IndusInd Bank Personal Loan
      "They Should Bring New Ideas"
      0.5 1.0/5 "Really Bad"
      I have few other loans are running , hence when I gave loan request to Indusind, however they have rejected it. But I am a prompt payer, I could track my record and process the loan. Indusind not potential to get the customer inside as they dont provide praactive customer service.
      Was this review helpful? 0
      , chennai
      Reviewed on May 27, 2017
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