Multiple banks. Different interest rates. Call it a "conflict of interest".
  • Loading your search...
    Close

    Compare, check your eligibility and apply online instantly.

  • ICICI Agriculture Loan is Rated as "Great!" by 17218 Users

    Fees & Charges

    Promised Interest Rate

    Customer Service

    Responsiveness

    Personal Loan BYTES FROM OUR KITCHEN

    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:

    Apply for Personal Loan

    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
      "Ontime loan experience"
      0.5 4.0/5 "Great!"
      At the time applying the loan ICICI was providing the low interest rates hence i have selected ICICI for my personal loan. I have received the loan on time. I have been applying the loan value of Rs. 6 lakhs and the interest rate was 13.75% and I'm okay with it. They have given me a 9 lakhs with a lesser interest according to my eligibility. This is a first personal loan which i'm applying hence I'm not sure about the processing fee.
      Was this review helpful? 0
      , virudhunagar
      Reviewed on Nov 13, 2018
    • ICICI Bank Personal Loan
      "Good Experience with ICICI"
      0.5 5.0/5 "Blown Away!"
      Since i'm a existing customer of ICICI, i have taken a personal with ICICI. I have applied the personal loan of Rs. 75K and they have provided the tenure period of 3 years but i have asked only for 1 year. There is a pre-closure option is available. They have offered me a interest rate of 13% and i'm glad about it. I got this loan for my business purpose and they have charged me Rs. 2000 as a processing fee.
      Was this review helpful? 0
      , chennai
      Reviewed on Nov 13, 2018
    • ICICI Bank Personal Loan
      "Interest rate is high and the service is low"
      0.5 2.0/5 "Expected more"
      They have delayed for sanctioning the loan. They have given the loan after 20 days and there is no proper response from the ICICI bank side. They have given me a interest rate of 11.99% and i had to go with the ICICI because of the guidance. They have charged me a processing fee of Rs. 1500. The experience which i faced was not good.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Nov 13, 2018
    • ICICI Bank Personal Loan
      "Not very good experience with ICICI"
      0.5 3.0/5 "Satisfactory"
      Experience with the ICICI regarding the personal loan was average. Because i have salary account for last 4 years hence i will get personal loan for sure. They have provided me a interest rate of 10.99% and I'm not satisfied about it. They have charged me Rs. 8000 as a processing fee. I find so much difficulties. I did not get any updates regarding the loan and the money which i got is not useful. I have applied the loan amount of Rs. 4 lakhs and they have provided only 1.94% and they have not provided the proper reason for the loan amount also.
      Was this review helpful? 0
      , bangalore
      Reviewed on Nov 13, 2018
    • ICICI Bank Personal Loan
      "Very Good Service"
      0.5 5.0/5 "Blown Away!"
      I had chosen to go with them since they had a better interest rate and has a good services when compared with the other banks in the market. The process has been easy and the executive came to collect the documents at the doorsteps. The loan amount has been good and the interest rate has been nominal.
      Was this review helpful? 0
      , pune
      Reviewed on Nov 13, 2018
    • ICICI Bank Personal Loan
      "Easy and give a proper response"
      0.5 5.0/5 "Blown Away!"
      I have got the loan on time. There is no particular reason for choosing the loan with ICICI. I have got a loan amount of Rs. 3 lakhs with a tenure period of 36 months. They have given me a interest rate of 15.5% which is quite higher compared to others. The first month EMI will be starting from EMI. Since i have HDFC account, it will linked with ICICI for the auto deduction. I did not face any difficulties but i feel unhappy with the interest rate.
      Was this review helpful? 0
      , chennai
      Reviewed on Nov 13, 2018
    • ICICI Bank Personal Loan
      "Good bank for personal loan"
      0.5 4.0/5 "Great!"
      I visited the branch three times for the loan disbursal. Nobody contacted me from the bank for the follow up. There is no proper response from their end. After the approval it took 1 week to sanctioned the loan. I have got approval of Rs. 7 lakhs and they have charged Rs. 1.5% as a processing fee which is Rs. 12,700 including 15% of GST. ICICI has provided me a interest rate of 13.25%.
      Was this review helpful? 0
      , dehradun
      Reviewed on Nov 13, 2018
    • ICICI Bank Personal Loan
      "Normal service"
      0.5 4.0/5 "Great!"
      I had chosen to go with them since i was having my savings account with them, the process in getting this loan has been good and the loan amount whcih they had provided has been satisfactory as well. But the interest rate with them has been very high and it was around 17%. There has been a processing fee of 2000 and there has been an insurance added with the premium amount of 4000.
      Was this review helpful? 0
      , pune
      Reviewed on Nov 13, 2018
    • ICICI Bank Personal Loan
      "Excellent Service"
      0.5 5.0/5 "Blown Away!"
      I had chosen to go with them since the interest rate with them has been less and they have a quick process in getting the loan. The whole process has been smooth and the loan amount which they had provided has been satisfactory and the processing fee has been transparent and have informed prior while disbursement of the loan.
      Was this review helpful? 0
      , raipur
      Reviewed on Nov 13, 2018
    • ICICI Bank Personal Loan
      "Need to reduce the processing fee"
      0.5 4.0/5 "Great!"
      Checking with other banks but ICICI process was little bit high hence i have selected the ICICI Bank for my personal loan. I'm okay with the interest rate what they have provided to me. I have got the loan on time and i'm not happy with the processing fee because it more amount they charged for me. I appliy the loan amount for Rs. 1 lakh with a tenure period of 4 years. They have not informed me about the processing fee details when i apply for a loan.
      Was this review helpful? 0
      , bangalore
      Reviewed on Nov 13, 2018
    • ICICI Bank Personal Loan
      "Bad Service"
      0.5 1.0/5 "Really Bad"
      They have not given proper response from the customer. Still i have not received my personal loan. When i call the customer care, they have said the application is not available with them. I never visited their branch regarding the issues. Actually i have applied the amount of Rs. 2.40 lakhs. They have offered me the interest rate of 14.45%.
      Was this review helpful? 0
      , tadepalligudem
      Reviewed on Nov 13, 2018
    • ICICI Bank Personal Loan
      "Good Services"
      0.5 3.0/5 "Satisfactory"
      I have got my personal loan on time. I'm not satisfied with the interest rate and they have offered me a interest rate of 14.45%. I have taken the tenure period of 5 years and i have to pay the EMI of Rs. 5000 approximately. I have chosen the ECS payment for paying the EMI.
      Was this review helpful? 0
      , attur
      Reviewed on Nov 13, 2018
    • ICICI Bank Personal Loan
      "Happy about the personal loan"
      0.5 4.0/5 "Great!"
      There was bit delayed on the disbursal. It took 1 week after the exact time to sanctioned the loan. I have applied for 10 lakhs and later i have chosen Rs. 7 lakhs and they have disbursed the same. They have offered me a interest rate of 11.45% which i'm satisfied with it. When i approached the ICICI bank directly they said 13.5% as interest rate and when i asked them to reduce, they have reduced upto 12.5%.
      Was this review helpful? 0
      , chennai
      Reviewed on Nov 13, 2018
    • ICICI Bank Personal Loan
      "Average"
      0.5 3.0/5 "Satisfactory"
      The rate of interest was quite high in ICICI when compared to other banks. They have charged processing fee. They have taken 20 days for the loan disbursal. I have submitted the documents online and hard copy was submitted to the executive. I opt the loan for 2 years. The premium of around 6010 rupees through ECS.
      Was this review helpful? 0
      , vijayawada
      Reviewed on Nov 13, 2018
    • ICICI Bank Personal Loan
      "Good Experience"
      0.5 4.0/5 "Great!"
      Being an existing customer I got the interest around 11% of interest for personal loan around Rs. 2 lakhs, the loan process went well without any hassle and with less paper work. There was no extra charges, they do have pre closure and part payment option.
      Was this review helpful? 0
      , mumbai
      Reviewed on Nov 12, 2018
    • ICICI Bank Personal Loan
      "Need to improve the customer service"
      0.5 4.0/5 "Great!"
      I have taken a personal loan in ICICI Bank through online channel. When I approached directly to ICICI Bank, nobody turned later I have applied online then I got a response. The process was taken 10 days to complete the loan. The loan duration is 4 years. Monthly installment is going to be 11K through ECS. I would suggest, they need to reach the customer earlier and the process was to be more quick.
      Was this review helpful? 0
      , chennai
      Reviewed on Nov 12, 2018
    • ICICI Bank Personal Loan
      "Good service"
      0.5 4.5/5 "Excellent!"
      My top up loan was taken with ICICI BANK , the tenure period is 10year and they charge very nominal rate of interest . The processing fee is high with this bank . They provide satisfactory loan amount and there are no hidden charges with this bank .
      Was this review helpful? 0
      , mumbai
      Reviewed on Nov 12, 2018
    • ICICI Bank Personal Loan
      "Excellent bank"
      0.5 4.5/5 "Excellent!"
      I have purchased my personal loan last month with ICICI. I have applied the loan of Rs. 3 lakhs and they have sanctioned me about Rs. 2.87 lakhs. They have given me a interest rate of 14.87% and the processing fee was Rs. 3000. I received the loan within 20 days. Because of interest rate, i have chosen the ICICI bank. The documentation process was good and the some of the collection executive came to my place and collected all my documents.
      Was this review helpful? 0
      , rajahmundry
      Reviewed on Nov 12, 2018
    • ICICI Bank Personal Loan
      "Good loan experience"
      0.5 4.0/5 "Great!"
      When i applied the loan process with ICICI portal and o have got a call from customer care executive, The representative called me from Mumbai they said they will send a collection executive to collect the documents and i have been waiting for the long time but no one was turned up. I have received the loan on time and the interest rates are not good. They charged me around 14.5% as a interest rate which is higher bit compared to other companies. There is no part payment facility also not available.
      Was this review helpful? 0
      , chennai
      Reviewed on Nov 12, 2018
    • ICICI Bank Personal Loan
      "Good"
      0.5 5.0/5 "Blown Away!"
      The rate of interest and charges are okay with ICICI Bank. The process was very good and the loan amount was disbursed on the committed time. The loan duration is 5 years. I need to pay the premium if 5,325. I can do the part payment and pre closure after 6months.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Nov 12, 2018
    Common Loader Icon

    Display of any trademarks, tradenames, logos and other subject matters of intellectual property belong to their respective intellectual property owners. Display of such IP along with the related product information does not imply BankBazaar's partnership with the owner of the Intellectual Property or issuer/manufacturer of such products.

    reTH65gcmBgCJ7k
    This Page is BLOCKED as it is using Iframes.