Multiple banks. Different interest rates. Call it a "conflict of interest".
Multiple banks. Different interest rates. Call it a "conflict of interest".
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  • HDFC Agriculture Loan is Rated as "Great!" by 14253 Users
    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
      "Average"
      0.5 4.0/5 "Great!"
      I just came to know the rate of interest what HDFC has offered me was low compared to others. I have taken 3L as a personal loan. The payment of 9,340 rupees will be auto debited from my account. The tenure period was 3 years. I had submitted my documents manually. I got msg saying loan was disbursed but I received the amount after one week.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jan 20, 2018
    • HDFC Bank Personal Loan
      "Best "
      0.5 4.0/5 "Great!"
      I got the personal loan with the HDFC bank and the rate of interest was around 13%. I would like to say that the customer service was better one with them and I got the disbursement after ten to twelve days of time from the date, when I have applied.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jan 20, 2018
    • HDFC Bank Personal Loan
      "GOOD SERVICE"
      0.5 4.0/5 "Great!"
      The rate of interest quoted by Hdfc personal loan department is 11% which is good compared to others in the market. They offer me a loan amount of 1.3 lakhs and the process was very fast . The documents procedure was been easy and it was a good experience with Hdfc personal loan department.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jan 19, 2018
    • HDFC Bank Personal Loan
      "Good"
      0.5 4.0/5 "Great!"
      It was good with HDFC Bank and I paid my first installment as well. They offered a nominal interest rate when compared to others. I have taken 5L and the monthly installment is 11,000 which will be debited automatically. The executive collected the documents at my office. The EMI duration is 3 years.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jan 19, 2018
    • HDFC Bank Personal Loan
      "Best service"
      0.5 4.0/5 "Great!"
      I have taken a personal loan with HDFC bank.The loan amount is two lakhs,rate of interest is high as compared to others.I submitted documents online and the EMI amount is 5875.They had disbursed the loan within the TAT,i would recommend to others.
      Was this review helpful? 0
      , mumbai
      Reviewed on Jan 19, 2018
    • HDFC Bank Personal Loan
      "Need to reduce the interest"
      0.5 4.0/5 "Great!"
      I got the personal loan around a year ago from HDFC bank. I got the loan amount within 2 to 3 weeks of time. The customer support team is average with the HDFC bank . The rate of interest is very high with HDFC bank personal loan process, it is high when compared with others.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jan 19, 2018
    • HDFC Bank Personal Loan
      "Good"
      0.5 4.0/5 "Great!"
      I am having the personal loan with the HDFC bank and the interest rate is around 14% and the customer service is good one for me with them. Response is not really bad one to me. Customer service and other aspects are really good too with the HDFC bank.
      Was this review helpful? 0
      , chennai
      Reviewed on Jan 19, 2018
    • HDFC Bank Personal Loan
      "Good service"
      0.5 4.0/5 "Great!"
      My personal loan was taken with HDFC bank 1 year back. Its a pre approved loan and the loan amount was 70,000. The Interest rate was 14% which is average in the market. The loan process was excellent and with in 10 mins of time the whole process got over. Its a paperless documentation. My overall experience was good.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jan 18, 2018
    • HDFC Bank Personal Loan
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      I have my personal loan with HDFC bank. The loan amount was 1lakh and the Interest rate was 12.49% which is very high than other banks in the market. The tenure period was 1 year. The process was quite easy and they have provided door step service for collecting documents, My overall experience was good.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jan 18, 2018
    • HDFC Bank Personal Loan
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      My personal loan was taken with HDFC bank 4 years back. The Interest rate was 12.5% which is average in the market.The customer service and responses was up to the mark., The loan process was good and the documentation was also simple and easy . The loan was approved on time and chargsea are nominal here.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jan 18, 2018
    • HDFC Bank Personal Loan
      "Average"
      0.5 4.0/5 "Great!"
      I have taken a personal loan with HDFC Bank before one year. The tenure period is 4 years. The rate of interest was 13.5% which was nominal like others. The documents are submitted online and the executive came for the verification. They took more time to process the loan.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jan 18, 2018
    • HDFC Bank Personal Loan
      "Average service"
      0.5 3.0/5 "Satisfactory"
      The HDFC bank gave me good response in regards to my personal loan application. They have disbursed the loan amount within 5 working days. The customer support was prompt with the HDFC bank and their executive came to m,y place to collect the documents. The rate of interest and the charges were quite high when compared with others.
      Was this review helpful? 0
      , chennai
      Reviewed on Jan 18, 2018
    • HDFC Bank Personal Loan
      "Excellent service"
      0.5 4.5/5 "Excellent!"
      The HDFC bank personal loan service was quite good and they gave good response in regards to my personal loan application. They have approved the loan amount of Rs,4,50,000. The customer support was good with the HDFC bank and the rate of interest and the charges are high with the HDFC bank.
      Was this review helpful? 0
      , madurai
      Reviewed on Jan 18, 2018
    • HDFC Bank Personal Loan
      "Good service"
      0.5 4.0/5 "Great!"
      I have taken personal loan from HDFC bank and the loan experience was good. The loan amount was for Rs 80000 with the rate of interest of 13% which is high when compared to all other banks. This was preapproved loan so no much documents were required and i received my loan amount within a day. Customer service was good and they responded on time. They charged 1% as processing fees and the tenure of this loan is 2 years.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jan 17, 2018
    • HDFC Bank Personal Loan
      "Good"
      0.5 5.0/5 "Blown Away!"
      My personal loan was taken with HDFC Bank through online. My ECS payment got rejected so I had requested for the form but haven't received as it and there was no proper response. They offered 2L and this was for a tenure of 24 months, The rate of interest was 10.9% and it was very much satisfactory.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jan 17, 2018
    • HDFC Bank Personal Loan
      "Good service and Faster approval"
      0.5 4.0/5 "Great!"
      I had taken a personal loan with HDFC and it was closed 3 months before.I have purchased a bike because the interest rate was low for the personal loan compared to the two wheeler loan. I waited for 15 days then there was no proper response and I applied for a personal loan and got it within 10 minutes.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jan 17, 2018
    • HDFC Bank Personal Loan
      "Average service"
      0.5 4.0/5 "Great!"
      The HDfC bank has given me good response in regards to my personal loan application. The rate of interest was high with the HDFC ban personal loan which need to be reduced in future. I got the loan amount within 20days of time. The customer support was good with the HDFC bank.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jan 17, 2018
    • HDFC Bank Personal Loan
      "Good service"
      0.5 5.0/5 "Blown Away!"
      The banking service is good with the HDFC bank. They have disbursed the loan amount within a week time. The required loan amount was not disbursed they have disbursed only 50% of the required loan amount. The rate of interest and the charges were nominal when compared with others.
      Was this review helpful? 0
      , guntur
      Reviewed on Jan 17, 2018
    • HDFC Bank Personal Loan
      "Good service"
      0.5 5.0/5 "Blown Away!"
      The required loan amount has been given by the HDFC bank in regards to my personal loan application. The HDFC bank took 10days time to disburse my loan amount. The customer support is good with the HDFC bank. The rate of interest and the charges are nominal with the HDFC bank.
      Was this review helpful? 0
      , mumbai
      Reviewed on Jan 17, 2018
    • HDFC Bank Personal Loan
      "Satisfactory"
      0.5 4.0/5 "Great!"
      I had taken my personal loan with HDFC Bank through online channel. I am very much satisfied with the rate of interest. I have to pay monthly 6000 rupees through ECS. The executive came to my place and collected all the documents. The part payment and pre closure option is good.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jan 17, 2018
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