Multiple banks. Different interest rates. Call it a "conflict of interest".
  • HDFC Agriculture Loan is Rated as "Great!" by 16632 Users

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    Personal Loan BYTES FROM OUR KITCHEN

    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, fertilizers, 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
      "GOOD"
      0.5 5.0/5 "Blown Away!"
      I have applied for the personal loan with the HDFC BANK the process of getting the loan beginning from the documentation process and also the approval and the dispersal of the loan was simple and easy. I have done foreclosure this loan before 2 years they have offered the rate of interest which was 11.9%.
      Was this review helpful? 2
      , hyderabad
      Reviewed on Mar 19, 2019
    • HDFC Bank Personal Loan
      "Good Service"
      0.5 3.0/5 "Satisfactory"
      I have applied for HDFC Personal Loan .The agent gave clear details about the process . The rate of interest details was not asked and also dont have any idea about the processing fee as well . I have taken the personal loan through some other source.The Overall Service is Good .
      Was this review helpful? 1
      , bareilly
      Reviewed on Mar 19, 2019
    • HDFC Bank Personal Loan
      "GOOD"
      0.5 5.0/5 "Blown Away!"
      I have taken the personal loan with the HDFC BANK, the documentation process was simple and quickly i got the loan within few days. The loan amount they have offered was 2L and the rate of interest was 10.99% which was nominal than compared to the others.
      Was this review helpful? 0
      , mumbai
      Reviewed on Mar 19, 2019
    • HDFC Bank Personal Loan
      "Excellent service"
      0.5 5.0/5 "Blown Away!"
      I have applied for HDFC personal loan. The agent clearly explained the process .The rate of interest is nominaland the procesing fee is also nominal.I have taken the personal loan through some other source since the loan got sanctioned immediately .Other than that the Overall Sevice is good .
      Was this review helpful? 0
      , mirzapur
      Reviewed on Mar 19, 2019
    • HDFC Bank Personal Loan
      "Excellent service"
      0.5 5.0/5 "Blown Away!"
      I have directly taken the Personal Loan through HDFC Bank .The rate of interest is nominal and there was processing fee but it is less.I got loan my Loan amount within 3 days of time .The process of document submission not yet faced any issues .The agent clearly explained the proccess .The Overall service is good and satisfactory.
      Was this review helpful? 0
      , chennai
      Reviewed on Mar 19, 2019
    • HDFC Bank Personal Loan
      "Easy loan approval"
      0.5 5.0/5 "Blown Away!"
      I have applied a Hdfc bank personal loan. The loan amount was Rs. 490000.I have not submitted any documents to the bank.I have changed my mind not to apply loan so it got rejected from bank end. Customer service and responsiveness is really good.
      Was this review helpful? 0
      , patiala
      Reviewed on Mar 19, 2019
    • HDFC Bank Personal Loan
      "Not satisfied"
      0.5 2.0/5 "Expected more"
      My experience is not more then good with HDFC bank . I am not satisfied with loan amount rs2.60Lack and my tenure is 3 years and my rate of interested is high my expectation is 4.5Lbut I got this amount their customer service is good after approval withing ten days I got my loan amount .
      Was this review helpful? 0
      , bangalore
      Reviewed on Mar 19, 2019
    • HDFC Bank Personal Loan
      "Excellent service"
      0.5 5.0/5 "Blown Away!"
      I have applied for HDFC Bank Personal Loan . The agent clearly explained the process of the loan .The rate of interest was high and there was processing fee as well .Since not require personal loan cancelled the plan of taking the loanand the overall service is good.
      Was this review helpful? 0
      , guwahati
      Reviewed on Mar 19, 2019
    • HDFC Bank Personal Loan
      "Easy loan"
      0.5 1.0/5 "Really Bad"
      I have applied a personal loan from Hdfc Bank the loan amount was Rs. 450000.No one contacted me for the documentation.I applied a loan from Axis Bank it got approved the documentation.I applied a loan from Axis Bank it got approved..Customer service and responsiveness is okay
      Was this review helpful? 0
      , sambalpur
      Reviewed on Mar 19, 2019
    • HDFC Bank Personal Loan
      "Good"
      0.5 3.0/5 "Satisfactory"
      My loan amount is 2Lack and tenure is 3 years I was taken HDFC bank personal loan last one month and my experience is good . But rate of interested is high I am not satisfied with rate of interested and rest of good . After approval withing seven days I got loan amount . And customer service is good .
      Was this review helpful? 0
      , mumbai
      Reviewed on Mar 19, 2019
    • HDFC Bank Personal Loan
      "Good Service"
      0.5 4.0/5 "Great!"
      I have applied for HDFC Bank Personal Loan .The agent explained the process of the loan .The rate of interest was high and there was processing fee as well.Ihave cancelled the plan of taking loan due to high rate of interest . Other than that the overall service is good .
      Was this review helpful? 0
      , patna
      Reviewed on Mar 19, 2019
    • HDFC Bank Personal Loan
      "Very good"
      0.5 4.0/5 "Great!"
      I got my loan amount from HDFC bank and my experience is good after approval withing three days I got amount and customer service is good and response properly ; my loan amount is 20Lack and tenure is 4 years and rate of interested is 11.25% is nominal and my emi amount is 51000 thousand and I am satisfied with hdfc bank.
      Was this review helpful? 0
      , bangalore
      Reviewed on Mar 19, 2019
    • HDFC Bank Personal Loan
      "Good Service"
      0.5 4.0/5 "Great!"
      I have applied HDFC Personal Loan . The agent clearly explained the processof the personal loan . The rate of interest was high and got details about processing fee as well .I have cancelled the plan of taking personal loan since need the amount after 2 months hence got the loan from other Bank.
      Was this review helpful? 0
      , surendranagar
      Reviewed on Mar 19, 2019
    • HDFC Bank Personal Loan
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      I came to apply for HDFC Personal Loan not yet faced any issues till now .The rate of interest was high .I have not got any information about the processing fee .The agent clearly explained the process . I have not taken HDFC personal Loan since they are not providing the exact loan got the details about Kisan loan .The Overall Service is good .
      Was this review helpful? 0
      , sagar
      Reviewed on Mar 19, 2019
    • HDFC Bank Personal Loan
      "Good Customer support "
      0.5 5.0/5 "Blown Away!"
      HDFC offered me a persona loan based on my salary account . They taken 15 days of time for sanctioning my account .Very supportive and helping service . As per company norms , they charged me Processing fees and Rate of Interest . I took more than 2 lakh for 36 months of EMI period .
      Was this review helpful? 0
      , bangalore
      Reviewed on Mar 18, 2019
    • HDFC Bank Personal Loan
      "Good Service"
      0.5 3.5/5 "Pretty good"
      I have applied for HDFC Bank Personal Loan .I have not yet faced any issues.The agent clearly explained the process.The rate of interest is nominal .I have not taken the personal loan since got from some other source .Other than that the Overall service is good.
      Was this review helpful? 0
      , tiruchirapalli
      Reviewed on Mar 18, 2019
    • HDFC Bank Personal Loan
      "Very good"
      0.5 4.5/5 "Excellent!"
      My personal loan was taken with HDFC BANK . They need to be more transparency . The loan amount what they gave was satisfactory . They charge nominal rate of interest . But i am happy with personal loan .and last one year past taken my loan my tenure is four years. customer service is good.
      Was this review helpful? 0
      , bangalore
      Reviewed on Mar 18, 2019
    • HDFC Bank Personal Loan
      "Easy loan"
      0.5 3.0/5 "Satisfactory"
      I have taken a Hdfc Bank personal loan the loan amount was Rs. 610000.The rate of interest they charged around 13% i am really happy about the rate of interest. They provided door step to collected my documents.I have received the loan amount within 10 seconds . There is a no Pre-closure charges Customer service is really wonderful.
      Was this review helpful? 0
      , vijayawada
      Reviewed on Mar 18, 2019
    • HDFC Bank Personal Loan
      "Good loan"
      0.5 3.0/5 "Satisfactory"
      I have taken a Hdfc Bank personal loan the loan amount was Rs. 600000 .The rate of interest they charged very high around 16% i am really not happy about the rate of interest.I only informed to close the loan. They provided door step to collected my documents.Customer service is good.
      Was this review helpful? 0
      , vijayawada
      Reviewed on Mar 18, 2019
    • HDFC Bank Personal Loan
      "EXCELLENT"
      0.5 5.0/5 "Blown Away!"
      I have taken the personal loan with the HDFC BANK the banking process was good and they have approved the loan with quick process also the documentation process was so quick and simple. They have offered the loan amount which is more than sufficient.
      Was this review helpful? 0
      , mumbai
      Reviewed on Mar 18, 2019
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