Multiple banks. Different interest rates. Call it a "conflict of interest".
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  • HDFC Agriculture Loan is Rated as "Great!" by 13541 Users

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    HDFC Agriculture Loan

    Overview about HDFC Agriculture Loan

    HDFC Bank is considerate and understanding of the farmers and agriculturists’ financial situation and how they require funding at the different phases of their farming process. The bank wants to ensure that the banking benefits are reaching various sectors of the country. The agricultural loans are provided to varying tenures to creditworthy customers who are engaged in farming, cash crops, horticulture, plantations, poultry, animal husbandry, dairying, seeds, warehousing, etc. The bank finances seeds, fertilisers, pesticides, micro nutrients and micro irrigation tools. They even consider, transport, storage and processing the food as a thrust area and are offering working capital to eligible customers. HDFC bank is expanding its rural presence to cater to the needs of the farmers and agriculturists.

    HDFC Bank offers the following schemes and Loans to the Farmers

    Crop Loans

    Crop term loans are provided to agriculturists for purposes of developing commercial horticulture, establishing orchards and plantations. It is also extended to farmers to grow field crops. The loan is sanctioned on the basis of project feasibility.

    Warehouse Receipt Financing

    This acts as a collateral against the stocks stored in the approved warehouse. HDFC bank funds a certain percentage of the value mentioned in the receipt. The target customers are farmers and small traders. The documentation process is simple and the loan amount is disbursed in a few hours from submitting the receipt to the bank. The borrower can stock the commodity in Central Warehouse Centres and State Warehouse Centres located in India. Borrower is allowed to stock the commodity in private warehouses that have been approved by the bank. To reduce the processing time a service provider will act as an intermediate between the bank and the borrower. He also assists the borrower in the documentation process and with other formalities.

    Retail Agri Loans- Kisan Card / Kisan Gold Card

    Kisan Gold card offers loan with tenure up to 84 months to the farmers. The documentation is easy and the approvals are done quickly. The card can be used to buy agricultural equipment and to meet other agricultural related expenses. The credit limit is set for a year and it can be renewed subsequently. You get crop production cover, post-harvest and domestic consumption requirements are met and other equipment related expenses are covered. A free Personal Accident Insurance cover of Rs.2 lakh is provided to the cardholder. You can make use of the daily withdrawals that has an upper limit of Rs.15,000 through all ATMs and of Rs.25,000 at merchant outlets.

    Tractor Loans

    These are available to farmers and non-farmers to buy new or used tractors. The loan is available without additional collateral security, the documentation process is easy and has a faster turnaround time. The interest rates are lower and it caters to all segments.

    Agri Business Credit

    You can avail working capital finance through short term or long term loans in agricultural commodities. This is a tailor made product for Agricultural input dealers.

    HDFC Agriculture Loan Reviews

    • HDFC Bank Personal Loan
      "High on ROI and charges"
      0.5 5.0/5 "Blown Away!"
      I have taken a personal loan from HDFC Bank earlier and the process to get the loan was very quick and easy. The customer services was good and they completed the disbursement was on time. The bank was high on the rate of interest and processing charges.
      Was this review helpful? 0
      , bangalore
      Reviewed on Oct 19, 2017
    • HDFC Bank Personal Loan
      "Personal loan process is good"
      0.5 5.0/5 "Blown Away!"
      HDFC Bank Personal loan process is good, I like everything, they send all correspondence through mail. It is an ongoing loan. ECS is getting debited from my account every month without any hiccups. Interest rate and processing fee charged by HDFC Bank is quite satisfactory
      Was this review helpful? 0
      , hyderabad
      Reviewed on Oct 19, 2017
    • HDFC Bank Personal Loan
      "Customer friendly"
      0.5 4.0/5 "Great!"
      HDFC documentation procedure was good, their executive have communicated everything on time. The loan disbursement was also happed on time, I felt HDFC service is upto the mark. But I didn't get the certain principal amount which I was expected, it would great if they send mail regarding to the principal amount change.
      Was this review helpful? 0
      , bangalore
      Reviewed on Oct 19, 2017
    • HDFC Bank Personal Loan
      "Satisfactory services"
      0.5 5.0/5 "Blown Away!"
      I have taken a personal loan from HDFC Bank. The process and customer services are good. All the banks are providing good services these days and it is very much convenient for a customer. The loan was disbursed on time and the charges was reasonable for me.
      Was this review helpful? 0
      , pune
      Reviewed on Oct 19, 2017
    • HDFC Bank Personal Loan
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      HDFC Bank has offered me a personal loan as well. The bank has been very beneficial and they offered me a decent interest rate and processing charges. The process was also on time and the document collection was on time too. The disbursement was as expected too.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Oct 19, 2017
    • HDFC Bank Personal Loan
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      I have the personal loan with the HDFC bank and the interest rate is around 10%, which is really good. The loan amount got disbursed within three to four days of time from the date, when I have applied.
      Was this review helpful? 0
      , goa
      Reviewed on Oct 17, 2017
    • HDFC Bank Personal Loan
      "The best"
      0.5 5.0/5 "Blown Away!"
      I started off my banking relationship with HDFC Bank for a personal loan. Though I do not have a savings account, the bank has offered me a loan and after which when ever I am in need, I only have to contact the executive, he would come to my place and collect my details and check about my requirement and process my details.
      Was this review helpful? 0
      , guntur
      Reviewed on Oct 17, 2017
    • HDFC Bank Personal Loan
      "Good Experience"
      0.5 5.0/5 "Blown Away!"
      I am impressed with HDFC service, they gave 1.56 lakh of personal loan for the tenure of two years. I guess their interest rate was bit high, compared to other bank and also they taken processing fee around Rs. 2000 from the disbursement amount.
      Was this review helpful? 0
      , bangalore
      Reviewed on Oct 17, 2017
    • HDFC Bank Personal Loan
      "Can do better"
      0.5 1.0/5 "Really Bad"
      The reason why had marked HDFC Bank down was because the rate of interest was too high 14% and processing fee charged was rs 500 in addition to that they had charged around 2200. HDFC Bank charges 3% on the remaining amount as foreclosure charge for which I ended up paying 79k as an interest amount.
      Was this review helpful? 0
      , new delhi
      Reviewed on Oct 17, 2017
    • HDFC Bank Personal Loan
      "EXCELLENT"
      0.5 5.0/5 "Blown Away!"
      I earlier had a personal loan experience with HDFC Bank. They were fast in the process and they also seen to it that the disbursement happened on time and as per my need of the loan. They were also affordable on the rate of interest and processing charges.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Oct 17, 2017
    • HDFC Bank Personal Loan
      "Positive experience with few lapses"
      0.5 4.0/5 "Great!"
      The process of applying loan was short, I got the approval pretty soon. Only thing lingering between me and Bank was that the amount that I asked was far less than what I actually received. I have been trying to figure out the procedure to change the date of payment for the loan.
      Was this review helpful? 0
      , new delhi
      Reviewed on Oct 17, 2017
    • HDFC Bank Personal Loan
      "They are not responding properly"
      0.5 3.0/5 "Satisfactory"
      The response I received from them was not satisfactory at all. It took almost 15 days to disburse the amount aftere the approval of the loan. I really believe they need to be more pro active and respond to customer query on a more advanced level.
      Was this review helpful? 0
      , bangalore
      Reviewed on Oct 17, 2017
    • HDFC Bank Personal Loan
      "Customer friendly"
      0.5 5.0/5 "Blown Away!"
      Initially I had personal loan with HDFC, I took the amount of Rs. 5 lakhs now they offering Rs.10 lakhs as preapproved offer without documents in 10 second disbursement. But HDFC is charging foreclosure charges of 4%, it should be reduced, but I paid my loan already.
      Was this review helpful? 0
      , bhubaneshwar
      Reviewed on Oct 17, 2017
    • HDFC Bank Personal Loan
      "Overall good"
      0.5 4.0/5 "Great!"
      I have also taken a personal loan from HDFC Bank and the process is good. The customer services are also nice as they contacted me and also processed my information quickly. The interest rate and processing charges is also normal and the after loan services are good.
      Was this review helpful? 0
      , gurgaon
      Reviewed on Oct 17, 2017
    • HDFC Bank Personal Loan
      "SATISFACTORY"
      0.5 3.0/5 "Satisfactory"
      I had taken my personal loan from HDFC bank. The initial process was smooth in me getting my loan. The after loan services has not been satisfactory. They have been charging high when I delayed by a day to pay the EMI. I had to pay a fee of 600 700.
      Was this review helpful? 0
      , coimbatore
      Reviewed on Oct 17, 2017
    • HDFC Bank Personal Loan
      "Its Fine"
      0.5 4.0/5 "Great!"
      I am going to close HDFC personal loan, because I don't want to carry liability always. HDFC service is very good and its prompt, I am very happy with them. Meanwhile HDFC interest rate was bit high and also HDFC taking 6% of interest for the foreclosure.
      Was this review helpful? 0
      , indore
      Reviewed on Oct 17, 2017
    • HDFC Bank Personal Loan
      "Not satisfied"
      0.5 1.0/5 "Really Bad"
      HDFC Bank has not processed my personal loan because of the bank norms. Though I have a good credit score. The bank still denies the loan and it has not been a good experience. I would not recommend the bank. They are not flexible to the customers.
      Was this review helpful? 0
      , new delhi
      Reviewed on Oct 17, 2017
    • HDFC Bank Personal Loan
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      I have topup loan with the HDFC bank and the interest rate could be get reduced. As am an avid customer with the HDFC bank , they could negotiate for me while it comes to the matter of interest rate.
      Was this review helpful? 0
      , chennai
      Reviewed on Oct 17, 2017
    • HDFC Bank Personal Loan
      "Bank is good. But executives are not professional"
      0.5 5.0/5 "Blown Away!"
      HDFC Bank is perfect in the process for the personal loan. I do not have any complaints on that. But the behavior of the executives need to be more polite and professional as they are very rude to the customers. This is not my first time that I am facing this thing. The interest rate and charges are the same as every bank. It was around 15%.
      Was this review helpful? 0
      , burdwan
      Reviewed on Oct 17, 2017
    • HDFC Bank Personal Loan
      "Good"
      0.5 5.0/5 "Blown Away!"
      The HDFC was good with their customer service as i took a personal loan from them . The rate of interest they provided was 10.5% and with zero processing fee they gave me a option of pre closure without any penalty charges that is one thing i liked about them . I took the loan this year 2017 i would say its a good experience .
      Was this review helpful? 0
      , mumbai
      Reviewed on Oct 16, 2017
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