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  • HDFC Agriculture Loan is Rated as "Great!" by 15664 Users

    Fees & Charges

    Promised Interest Rate

    Customer Service

    Responsiveness

    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 4.0/5 "Great!"
      There is no particular reason for taking the personal loan with the HDFC BANK but the process of applying the personal loan is simple ans easy to get the loan. The loan amount is satisfactory what they have offered added on that the rate of interest is with lower.
      Was this review helpful? 3
      , hyderabad
      Reviewed on Dec 14, 2018
    • HDFC Bank Personal Loan
      "Good service"
      0.5 3.0/5 "Satisfactory"
      It has been a good experience with this loan and the loan got disbursed in a short period of time. There has not been any hassle faced with the banking services of them, even their customer support has been responsive has been helpful. There has not been any extra charges made by them.
      Was this review helpful? 3
      , kolkata
      Reviewed on Dec 14, 2018
    • HDFC Bank Personal Loan
      "Easy to get a loan"
      0.5 4.5/5 "Excellent!"
      They have processed the loan immediately. I have received the loan amount of Rs. 1.5 lakhs. I have received the loan on time. I'm happy about the interest rate since its a instant loan. There was no documentation has collected. Total tenure period of the loan is 2 years and I'm about to close it.
      Was this review helpful? 2
      , coimbatore
      Reviewed on Dec 14, 2018
    • HDFC Bank Personal Loan
      "Good service"
      0.5 4.0/5 "Great!"
      I have taken a car loan with HDFC bank and my experience was good, the loan amount was based on my requirement and the rate of interest was nominal when compared to other banks. Customer service was good with this bank and the tenure period is 5 years for this loan.
      Was this review helpful? 3
      , coimbatore
      Reviewed on Dec 14, 2018
    • HDFC Bank Personal Loan
      "Nice process"
      0.5 5.0/5 "Blown Away!"
      HDFC Bank is good in the personal loan. They were very fast in the process. I also got the loan on time and the rate of interest and processing charges is nominal. The experience is fine and the after loan services are good too. Till date no hassles.
      Was this review helpful? 1
      , thane
      Reviewed on Dec 14, 2018
    • HDFC Bank Personal Loan
      "Excellent service"
      0.5 5.0/5 "Blown Away!"
      I have been using my personal loan with HDFC bank for long time, there service is good, they have given me sufficient loan amount , and the rate of interest they have charged me is nominal, it is pre-approval loan , and even processing fee is nominal, overall service is good.
      Was this review helpful? 1
      , bangalore
      Reviewed on Dec 13, 2018
    • HDFC Bank Personal Loan
      "Process is good"
      0.5 5.0/5 "Blown Away!"
      I recently took another personal loan from HDFC Bank. They offered me the same rate of interest of 13% to 14% like the first time. The loan amount was of 1.80 Lakh this time. The after loan services are good too. Overall no hassles and satisfactory.
      Was this review helpful? 1
      , new delhi
      Reviewed on Dec 13, 2018
    • HDFC Bank Personal Loan
      "Satisfactory"
      0.5 5.0/5 "Blown Away!"
      My first personal loan with HDFC Bank was in the year 2013. The process of documentation and the loan process was good. The rate of interest was around 13% to 14% and the amount was of five lakhs. The after loan services are good too. Overall no issues. No comparison of HDFC bank service with any other bank
      Was this review helpful? 1
      , new delhi
      Reviewed on Dec 13, 2018
    • HDFC Bank Personal Loan
      "Good service"
      0.5 5.0/5 "Blown Away!"
      I have been using my personal loan with HDFC bank recently, i am not much satisfied with my loan amount it is too less they have given me, i have expected more, and the rate of interest they have charged me up to 12% or more than that , i am not sure need to check it, it bit high they have charged and there processing fee they have charged me was nominal and even for insurance they have charged me , there service is good they have keep on follow up and i got loan on time.
      Was this review helpful? 0
      , bangalore
      Reviewed on Dec 13, 2018
    • HDFC Bank Personal Loan
      "This loan fulfills my requirements"
      0.5 5.0/5 "Blown Away!"
      One month before i have applied the personal loan with HDFC since I'm holding a salary account. I have applied the loan amount of Rs. 3 lakhs and they have sanctioned the same. I have been paying the EMI of rs. 8550. I make the payment through ECS. Total tenure period of the loan is 4 years. They have provided me a interest rate of 14%
      Was this review helpful? 1
      , gurgaon
      Reviewed on Dec 13, 2018
    • HDFC Bank Personal Loan
      "Good Financial service"
      0.5 4.0/5 "Great!"
      I Have taken personal loan from the Hdfc bank , they have given good rate of interest which is satisfactory . There are nominal charges for the processing for approval and documentation . Am satisfied with the customer service as they have explained the terms and condition for the loan . But we are unable to pre close the loan with in the year.
      Was this review helpful? 1
      , chennai
      Reviewed on Dec 13, 2018
    • HDFC Bank Personal Loan
      "Communication gap should be eliminated"
      0.5 3.0/5 "Satisfactory"
      The interest rate is good but I done too much for follow up to know the status, it would be great if they properly respond to the customer on the application part, the customer has to be updated with the right information. Before 5 months I have taken this loan.
      Was this review helpful? 1
      , bangalore
      Reviewed on Dec 13, 2018
    • HDFC Bank Personal Loan
      "Interest rate should be reduced"
      0.5 4.0/5 "Great!"
      I obtained HDFC loan they charged 15% of interest for the amount of Rs. 8 lakhs for the tenure of 5 years, I pay the emi around Rs. 21000. I am not happy with the interest, I felt percentage of the loan is huge compared to other banks, it should be reduced.
      Was this review helpful? 1
      , ludhiana
      Reviewed on Dec 13, 2018
    • HDFC Bank Personal Loan
      "Good service"
      0.5 5.0/5 "Blown Away!"
      I have been applied my personal loan with HDFC bank recently, the loan amount they have given me was sufficient they have given me up to 91,000,and the rate of interest they have charged me was higher, they have me up to 20%, and the processing fee is nominal, the process went smoothly.
      Was this review helpful? 1
      , chennai
      Reviewed on Dec 12, 2018
    • HDFC Bank Personal Loan
      "Good service"
      0.5 5.0/5 "Blown Away!"
      I have been applied my personal loan with HDFC bank recently, the loan amount they have given me was sufficient, and the rate of interest while applying they said it would be charging 10.5% but after getting loan they have charge me up to 16% which was too high , the processing fee they have charged me was nominal,apart of that process went smoothly.
      Was this review helpful? 0
      , bangalore
      Reviewed on Dec 12, 2018
    • HDFC Bank Personal Loan
      "Good service"
      0.5 4.0/5 "Great!"
      I have been applied my personal loan with HDFC bank recently, the loan amount they have given me was sufficient,the rate of interest they have charged me is high up to 17.5% compare to other bank, and the processing fee was so-so not nominal not high as well they have charged me and there was delay in loan amount due to some technical issue,as they have said that they will give credit card as an complimentary.
      Was this review helpful? 0
      , chittorgarh
      Reviewed on Dec 12, 2018
    • HDFC Bank Personal Loan
      "Bad experience"
      0.5 2.0/5 "Expected more"
      I have applied my personal loan with HDFC bank recently, they have given me too less loan amount it not based on my expectation and the rate of interest while i applied it showed as 11.25% but after getting my loan they have charged me up to 17% which is too high , the processing fee they have charged me was nominal , and even there was delay in loan amount they have given me after 10-15 days, there overall service is not up to the mark.
      Was this review helpful? 2
      , coimbatore
      Reviewed on Dec 12, 2018
    • HDFC Bank Personal Loan
      "Good service"
      0.5 4.0/5 "Great!"
      I have been holding my personal loan from HDFC bank for long time, there rate of interest they have charged to me was nominal, which was fine with me and there processing fee they have charge me was nominal , and they have provided good service and the loan amount which they have given us was sufficient.
      Was this review helpful? 0
      , gurgaon
      Reviewed on Dec 12, 2018
    • HDFC Bank Personal Loan
      "Good Financial service"
      0.5 4.0/5 "Great!"
      I have taken personal loan from the Hdfc bank which took around 1 week for approval and documentation . Am satisfied with the rate of interest high which they have provided . They charged some nominal for processing fees with the tenure period of 1 years .Their customer service and service is good.
      Was this review helpful? 1
      , chennai
      Reviewed on Dec 12, 2018
    • HDFC Bank Personal Loan
      "Good Financial service"
      0.5 4.0/5 "Great!"
      I have taken personal loan from Hdfc bank . Am satisfied with the rate of interest which they have provided which is promising one . There is processing fees for the loan and pre closure charges are there . I make the payments through ECS every month . Its been approved in 7 minutes.
      Was this review helpful? 1
      , new delhi
      Reviewed on Dec 12, 2018
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