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  • ICICI Agriculture Loan is Rated as "Great!" by 15633 Users

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    ICICI Agriculture Loan

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    Know the details about ICICI Agriculture Loan

    Farmers mainly depend on the harvest season to earn a few bucks that has to suffice for the whole year. With the change in climate, the produce decreases and it becomes hard for the farmer to meet his and his family’s financial requirements along with taking care of his farm. ICICI bank understands the problems faced by the farmers and the agriculturists and are offering tailor made schemes and loans to cater to their needs. The schemes and loans offered by ICICI Bank are as follows:

    Instant Gold Loan

    • You can use your gold to get an ICICI Bank Gold loan to avail finance. The loan amount can help you fulfil your financial needs such as education for your children, business expansion, working capital requirement, and down payment to purchase a property or a vehicle, agricultural need, medical emergency or to go on a holiday with your family. The documentation process is easy and fast.

    Farmer Finance

    • It is offers a wide range of agricultural loans . You can make use of the overdraft facility to meet cultivation cost and to meet expenses of working capital activities for farming and farming allied activities. Term loans are offered for buying cattle, purchasing equipment for irrigation purposes and to meet other agricultural requirements.

    There are two types of credit that is being offered

    • Retail Agri Loans – Kisan Credit/ Kisan Card: This is a credit card specifically designed for farmers. You can meet your day to day farming requirements through this card.
    • Long term loan for agriculture and allied activities (Agri Term Loan): You get term loan to buy cattle or agricultural equipment. The loan can be repaid over a period of 3-4 year through EMIs.

    Agri Traders and Processors

    There are two types of loans offered under this:

    • Working Capital loans: Working capital loans offered are Smart Cash Credit, Agri Credit Limit, Jet Overdraft, Micro Enterprise Credit, Agri Development Loan and Warehouse Construction Loan.
    • Loan against warehouse receipt: This loan caters to the financial requirements of those who are involved in commodities business, they are farmers, traders, processors and aggregations. The credit offered is a maximum of Rs.300 million to meet the financial requirements of agricultural operations. The maximum tenure offered is 12 months.

    Agro Corporates

    The following is offered by ICICI bank:

    • Mid cap credit, that caters to small and medium agribusiness enterprises to meet specific financing needs.
    • Forex and derivatives- Specialised parameterised program are offered for sanctioning forex and derivative facility to agriculture small and medium scale enterprises.
    • Factoring performs trade finance service by helping you convert your receivable to cash and therefore resolving the constraints of cash flow and working capital.
    • Agri investment banking solutions are offered after noticing the new trends of recent and global takeovers, acquisitions, mergers, diversification and strategic alliances that reflect agri Indian corporates and small and medium scale enterprises to the global market.

    Tractor Loan

    Hassle free tractor loans are offered to those having an agricultural land. The loan processing is quick and the repayment term is up to 5 years. You get flexible repayment options and the rate of interest is fixed through the tenure. The processing fee is low and so is the interest rate.

    Micro Banking

    ICICI Bank has created three simple products that are easily accessible by anyone. They are:

    • Self-Help Groups: You can get in touch with the bank through the NGOs for opening a savings account or to avail credit. The creditworthiness of the individual is assessed and based on various other parameters, the credit is sanctioned. ICICI Bank SHG loan requires the SHG to be in existence for at least 6 months, the group must include 10-20 women and the minimum saving corpus is set at Rs.5,000.
    • Micro Savings: ICICI Bank has partnered with NGOs, cooperative societies and trust to help you save money. The micro saving product offers security and convenience while you are earning interest on the money. You can make frequent deposits, access the account quickly and offers facility to handle small variable amounts. You can open fixed or recurring deposit accounts as well. To open ‘Apna Savings’ or a micro savings account, you require minimum paperwork.
    • Micro-Finance: Financial assistance is provided to microfinance customers in the form of term loan, overdraft and portfolio buyout facilities. The focus is to establish healthy and profitable lending business through relationships with select microfinance institutions and to invest in building deeper monitoring and control mechanisms to enable healthy growth of the microfinance sector.

    ICICI Agriculture Loan Reviews

    • ICICI Bank Personal Loan
      "Dissatisfed"
      0.5 1.0/5 "Really Bad"
      ICICI interest rate was very high for the personal loan, I have taken the amount 3.6 lakhs for the interest rate of Rs. 12.5% of interest it was huge and also they taken around Rs.10,000 as a processing fee. I am disappointed with them on charges.
      Was this review helpful? 0
      , bangalore
      Reviewed on Oct 16, 2017
    • ICICI Bank Personal Loan
      "Overall good"
      0.5 4.0/5 "Great!"
      It was a good experience with ICICI Bank for the personal loan. The customer services are good and the response is also good. There has been no hassles in the document collection. The only drawback is the loan amount. I was initially offered 3.5 Lakhs and the bank wanted to offer only 1.5 lakhs. Then I refused the loan and the bank finally disbursed two lakhs.
      Was this review helpful? 0
      , jamshedpur
      Reviewed on Oct 16, 2017
    • ICICI Bank Personal Loan
      "Good response"
      0.5 5.0/5 "Blown Away!"
      My personal loan was taken with ICICI bank. I got a proper and prompt response. The customer service is good. The interest was nominal. The documentation process was good. They have sanctioned the loan on time, The preclosure and part payment option is good.
      Was this review helpful? 0
      , chennai
      Reviewed on Oct 16, 2017
    • ICICI Bank Personal Loan
      "Hassle Free"
      0.5 5.0/5 "Blown Away!"
      I don't have any issues with ICICI, they gave me good service, I took the personal loan of ICICI for the principal amount of Rs. 4 lakhs it has the tenure of four years. I am quite fine with their interest rate and processing fee even EMI option is also good.
      Was this review helpful? 0
      , gurgaon
      Reviewed on Oct 16, 2017
    • ICICI Bank Personal Loan
      "Best service "
      0.5 5.0/5 "Blown Away!"
      I had taken a personal loan from ICICI bank for an amount of one lakh at low interest rate they had taken a minimum amount of processing fees from my principle amount.They took almost 5-7 days to credit the amount. It was a much quick process as compared to other banks in the market.
      Was this review helpful? 0
      , mumbai
      Reviewed on Oct 16, 2017
    • ICICI Bank Personal Loan
      "Excellent services"
      0.5 5.0/5 "Blown Away!"
      I have taken a personal loan from ICICI Bank and the customer support is excellent. The response is good and there are no hassles in the process for the loan. The interest rate was around 12% and the processing charges was normal too. The after loan service is good too.
      Was this review helpful? 0
      , gwalior
      Reviewed on Oct 16, 2017
    • ICICI Bank Personal Loan
      "Good service "
      0.5 5.0/5 "Blown Away!"
      I have taken a personal loan from ICICI bank for an amount of 4 lakhs at the interest rate of 12%,rate of interest is quite high as compared to other banks.They took almost two weeks to process my application. Overall I am satisfied with the service, will continue to bank with them.
      Was this review helpful? 0
      , chennai
      Reviewed on Oct 16, 2017
    • ICICI Bank Personal Loan
      "AVERAGE"
      0.5 2.0/5 "Expected more"
      It has not been a satisfactory experience with ICICI bank for the personal loan. They do not call the customer and I had to follow up continuously through the process. They do not give what they commit and the rate of interest and charges are also high.
      Was this review helpful? 0
      , thane
      Reviewed on Oct 16, 2017
    • ICICI Bank Personal Loan
      "SATISFACTORY"
      0.5 4.0/5 "Great!"
      It was a nice process initially with ICICI Bank. They completed the personal loan process and the loan amount was to my need. Except that I kept receiving a message that the ECS mandate was rejected. I was not knowing whom to contact and I still get the message but the ECS is still going through. The rate of interest was of 16.5%.
      Was this review helpful? 0
      , bangalore
      Reviewed on Oct 16, 2017
    • ICICI Bank Personal Loan
      "GOOD SERVICE"
      0.5 4.0/5 "Great!"
      ICICI Bank has been really good in the whole process of my personal loan. The initial process was quick and disbursed on time. The ECS was taken on time without any kind of hassles. Even after completing the loan, I received the NOC on time and it has been the best experience.
      Was this review helpful? 0
      , chennai
      Reviewed on Oct 16, 2017
    • ICICI Bank Personal Loan
      "Unhappy with the services"
      0.5 1.0/5 "Really Bad"
      I am a long time customer of ICICI Bank and it has not been a good experience with the bank for the personal loan. When ever I applied for the loan the bank has not been flexible to provide me the same. My application is always declined and I am not happy about it.
      Was this review helpful? 0
      , new delhi
      Reviewed on Oct 16, 2017
    • ICICI Bank Personal Loan
      "Good banking service"
      0.5 5.0/5 "Blown Away!"
      I had taken a personal loan from ICICI bank for an amount of 3.10 lakhs they had deducted certain percentage as processing fees from the principle.Rate of interest is high as compared to other banks in the market .apart from that am happy to be an ICICI customer.Loan were processed within the promised TAT.
      Was this review helpful? 0
      , warangal
      Reviewed on Oct 16, 2017
    • ICICI Bank Personal Loan
      "Satisfactory services"
      0.5 5.0/5 "Blown Away!"
      I have taken a personal loan from ICICI Bank earlier as well and the experience was also great. I had no hassles and the bank has always been on time to communicate with me and process my papers. The rate of interest and charges was nominal too. Hassle free overall.
      Was this review helpful? 0
      , coimbatore
      Reviewed on Oct 16, 2017
    • ICICI Bank Personal Loan
      "Excellent services"
      0.5 5.0/5 "Blown Away!"
      I have taken a personal loan from ICICI Bank and it was too good a process and it was on time. The rate of interest was of 11.49% and the processing charges is also normal. The after loan services are good and the ECS is deducted on time. I am a existing customer of the bank and it has always been good.
      Was this review helpful? 0
      , coimbatore
      Reviewed on Oct 16, 2017
    • ICICI Bank Personal Loan
      "High on ROI and charges"
      0.5 4.0/5 "Great!"
      I have taken a personal loan from ICICI Bank. The services are good and the process was smooth. The documents was collected on time and the disbursement was on time too. The interest rate and processing charges was very high and when compared to the other banks.
      Was this review helpful? 0
      , pune
      Reviewed on Oct 16, 2017
    • ICICI Bank Personal Loan
      "Needs to improve"
      0.5 3.0/5 "Satisfactory"
      I have applied for the personal loan from ICICI bank, I am not satisfied with the disbursal of personal loan because i have applied loan for Rs. 2.5 lakhs and only Rs. 1 lakh was approved. The customer service is not good, once the documents were collected there was no followup made. They did not inform about the processing fees and charges, i tried calling the customer service team but there was no response and call back. When it comes to interest rate, it is nominal when compared to other banks.
      Was this review helpful? 0
      , kendrapara
      Reviewed on Oct 16, 2017
    • ICICI Bank Personal Loan
      "Average Service"
      0.5 3.0/5 "Satisfactory"
      I got my personal loan from ICICI Bank. Their verification and documentation process is fast but I applied the loan for the amount of Rs. 250000 lakhs for 3 years but what I got approved is Rs. 100000 for 5 years. I'm not satisfied as they didn't inform me before doing this and no follow up call also regarding the change in the rate of interest from 14.9% - 15.9%. The processing fees is Rs. 4000 which is high as there was no processing fees at all last time when I applied with ICICI Bank.
      Was this review helpful? 0
      , pondicherry
      Reviewed on Oct 16, 2017
    • ICICI Bank Personal Loan
      "Good service"
      0.5 4.0/5 "Great!"
      I have applied for the persoanl loan from ICICI bank, i am happy that my loan application was approved and the amount was disbursed. I have requested loan for Rs. 2.4 lakhs but only Rs. 1.5 lakhs was approved and disbursed. The customer service from ICICI bank is good, they responded very well and the process was smooth. They provided a door step service to collect the documents and i am also satisfied with the rate of interest.
      Was this review helpful? 0
      , rayagada
      Reviewed on Oct 16, 2017
    • ICICI Bank Personal Loan
      "Excellent service"
      0.5 4.0/5 "Great!"
      I have taken a personal loan from ICICI on 2014 within 4 days they processed and approved 3 k loan for me but the rate of interest they offered was little high 17 % which was high compare to market value and I have submitted the documents directly in their branch for the loan process.
      Was this review helpful? 0
      , new delhi
      Reviewed on Oct 16, 2017
    • ICICI Bank Personal Loan
      "Unhappy with the services"
      0.5 1.0/5 "Really Bad"
      There was no response from ICICI Bank for the personal loan. The services are not appreciated as it was completely a zero response. The bank has not acknowledged my request. Not sure on the interest rate and processing charges. I do not wish to recommend the bank as well.
      Was this review helpful? 0
      , udaipur
      Reviewed on Oct 15, 2017
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