Multiple banks. Different interest rates. Call it a "conflict of interest".
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  • HDFC Agriculture Loan is Rated as "Great!" by 13986 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, 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
      "Better"
      0.5 3.0/5 "Satisfactory"
      I was asking for 2 lakh Rupees as personal loan while they have committed that they can give only lesser amount. I would like to say taht the customer service is good with the HDFC bank, also am really okay with them till now.
      Was this review helpful? 0
      , agra
      Reviewed on Nov 20, 2017
    • HDFC Bank Personal Loan
      "Good. Can do better"
      0.5 3.0/5 "Satisfactory"
      I have taken a personal loan from HDFC Bank and the process to get the loan was good and I got it on time. The rate of interest and processing charges is normal. But the foreclosing process was not convenient. I was repeatedly asked to come and it the job was not done on one day.
      Was this review helpful? 0
      , chennai
      Reviewed on Nov 20, 2017
    • HDFC Bank Personal Loan
      "Very Good service"
      0.5 5.0/5 "Blown Away!"
      I got the Personal loan from HDFC bank with in 10 seconds, because it is a pre-approved loan . I never submitted any documents they already have my documents with my savings account. The rate of interest and the charges are average with HDFC bank. The required loan amount has been given and I am satisfied with it.
      Was this review helpful? 0
      , new delhi
      Reviewed on Nov 20, 2017
    • HDFC Bank Personal Loan
      "GOOD SERVICE"
      0.5 4.0/5 "Great!"
      I have taken a personal loan service from HDFC the documents part was very easy they collected from my door step the interest rate they offered me was 16 % fine the customer service was prompt with HDFC it was totally a good experience with HDFC for my personal loan service.
      Was this review helpful? 0
      , srikakulam
      Reviewed on Nov 20, 2017
    • HDFC Bank Personal Loan
      "Excellent service"
      0.5 5.0/5 "Blown Away!"
      I have a personal loan from HDFC the interest rate they offered me was fine the customer service was good the documents part was easy they dispersed my loan amount on time also I feel the charges of HDFC was fine compare to others in the market it was totally a good experience with HDFC for my personal loan service.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Nov 20, 2017
    • HDFC Bank Personal Loan
      "Average service"
      0.5 5.0/5 "Blown Away!"
      I have taken a personal loan with HDFC bank, it was overall a good loan experience. The loan amount was for Rs 4 lakhs with the rate of interest of 15.78% which is high when compared to other banks. I submitted all my documents online and the process was very smooth. Customer service was good and they responded on time. My loan amount was approved within a week which is a normal time.
      Was this review helpful? 0
      , gurgaon
      Reviewed on Nov 18, 2017
    • HDFC Bank Personal Loan
      "Need to improve service"
      0.5 3.0/5 "Satisfactory"
      I have applied for a personal loan with HDFC bank. They took a longer time to disburse. I applied in 1st week of September 2017 and the loan got disbursed at 28th September 2017. They offered me the personal loan with the processing fees and insurance Rs. 3600 and around 13% - 14% as rate of interest. I asked them for an email confirmation but till now it is not received.
      Was this review helpful? 0
      , mumbai
      Reviewed on Nov 18, 2017
    • HDFC Bank Personal Loan
      "GOOD"
      0.5 4.0/5 "Great!"
      It was a good customer service form the HDFC bank side for the Personal loan . As i am living in Bangalore i wanted a call from the Bangalore branch but instead to that i received call from my native home branch . Rest every thing was good from the bank .
      Was this review helpful? 0
      , tenkasi
      Reviewed on Nov 18, 2017
    • HDFC Bank Personal Loan
      "Excellent service"
      0.5 5.0/5 "Blown Away!"
      My personal loan experience with HDFC was good, there was no delay in processing and the process was smooth. It took one week for the loan to get approved which is a normal time. I have taken loan for Rs 2.5 lakhs with the rate of interest of 14.5% which is high comparatively. No documents were required as i already hold a salary account with this bank.
      Was this review helpful? 0
      , delhi
      Reviewed on Nov 18, 2017
    • HDFC Bank Personal Loan
      "Services are good"
      0.5 5.0/5 "Blown Away!"
      I recently took my personal loan from HDFC Bank. It has been just three months now. The interest rate was around 11.20% and the customer services was perfect. There was no delay and the I was comfortable with the whole process. The after loan services are good too.
      Was this review helpful? 0
      , tiruchirapalli
      Reviewed on Nov 18, 2017
    • HDFC Bank Personal Loan
      "Good service"
      0.5 5.0/5 "Blown Away!"
      I have applied for a personal loan with HDFC bank before 2 years and it's still active loan. They collected the documents by next day and within 10 days my personal loan got approved and disbursed my funds after my documents submission. They offered me the loan with 8.5% as rate of interest and the processing fees is Rs. 20000.
      Was this review helpful? 0
      , rewari
      Reviewed on Nov 18, 2017
    • HDFC Bank Personal Loan
      "GOOD"
      0.5 5.0/5 "Blown Away!"
      I took a personal loan from the HDFC bank . The bank gave me a Full approval on the amount i asked for .the amount got Disbursed in a day to my account . The Rate of interest was a bit it was I6% and the processing fee was nominal but the bank did not provide me Pre closure part payment option .
      Was this review helpful? 0
      , jodhpur
      Reviewed on Nov 18, 2017
    • HDFC Bank Personal Loan
      "Average service"
      0.5 4.0/5 "Great!"
      I have applied for the personal loan from HDFC bank, my loan application was closed because there was no requirement of loan as of now, i am planning to get the loan in month of February. Customer service from HDFC bank was good, they responded on time. The rate of interest is high when compared to others in the market.
      Was this review helpful? 0
      , surat
      Reviewed on Nov 18, 2017
    • HDFC Bank Personal Loan
      "Good service"
      0.5 5.0/5 "Blown Away!"
      I have applied for a personal loan with HDFC bank. They collected the documents by next day and within a week my personal loan got approved and disbursed my funds after my documents submission. They offered me the loan with 10.99% as rate of interest and there is no processing fees.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Nov 18, 2017
    • HDFC Bank Personal Loan
      "Good service"
      0.5 5.0/5 "Blown Away!"
      I have previously applied for the personal loan from HDFC bank, it was a good loan experience. The loan amount was for Rs 5 lakhs with the rate of interest of 13.75% which is high when compared to other banks. The process was very smooth, the services were delayed due to festival. Customer service and their response was good, they provided door step service to collect the documents.
      Was this review helpful? 0
      , pune
      Reviewed on Nov 18, 2017
    • HDFC Bank Personal Loan
      "GOOD"
      0.5 4.0/5 "Great!"
      It was a good customer service i received form the HDFC Bank side for the personal loan i applied for . I got a full approval on the loan amonut i wanted for . The money got Disbursed to my account within 2 working days . Rate of interest was 11.5% low only and processing fee was 1500 rs . Pre closure option is there with charges applied to it .
      Was this review helpful? 0
      , chennai
      Reviewed on Nov 18, 2017
    • HDFC Bank Personal Loan
      "Fast loan approve"
      0.5 5.0/5 "Blown Away!"
      HDFC is doing well in term of loan experience, service is good they provide hassle free service. I took the amount of Rs. 5 lakhs, again I done the top up of Rs. 7 lakhs, but their interest rate is nominal in the market, it should be reduced, so many customers can avail it.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Nov 18, 2017
    • HDFC Bank Personal Loan
      "Average service"
      0.5 3.0/5 "Satisfactory"
      I found lot of delay in the process of HDFC for my personal loan service but I feel lot of communication problem with HDFC service they provided me with affordable interest rate and the customer service was good with HDFC for my personal loan service.
      Was this review helpful? 0
      , bangalore
      Reviewed on Nov 17, 2017
    • HDFC Bank Personal Loan
      "Better service"
      0.5 5.0/5 "Blown Away!"
      I got the personal loan with HDFC bank around a year ago, The customer support was prompt in the personal;loan process. They have disbursed the loan amount within a week time. The requested loan amount has been disbursed and I am satisfied with it. The rate of interest is high with HDFC personal loans when compared with others banks.
      Was this review helpful? 0
      , mumbai
      Reviewed on Nov 17, 2017
    • HDFC Bank Personal Loan
      "Needs to improve"
      0.5 1.0/5 "Really Bad"
      I have applied for the personal loan from HDFC bank, my loan application was closed because there was no proper follow up after the application was submitted. The customer service team did not respond and there was no call back from them to collect the documents. The rate of interest was not an issue.
      Was this review helpful? 0
      , allahabad
      Reviewed on Nov 17, 2017
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