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  • ICICI Agriculture Loan is Rated as "Great!" by 16789 Users

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    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
      "Good service"
      0.5 4.0/5 "Great!"
      The personal loan process was good from the ICICI bank but the rate of interest and the charges were quite high and they haven't gave me any chance to negotiate. They took around 3 weeks time to disburse the loan amount. The rate of interest and the charges need to be reduced.
      Was this review helpful? 0
      , hosur
      Reviewed on May 21, 2018
    • ICICI Bank Personal Loan
      "Average"
      0.5 3.0/5 "Satisfactory"
      My personal loan was taken with ICICI bank few months back. The loan amount was 4 lakhs and the interest rate was 10.99%n which is satisfactory . The customer service and responses was very good,. The process was bit lengthy and they have take much time. They have provided door step service for collecting documents.
      Was this review helpful? 0
      , bangalore
      Reviewed on May 20, 2018
    • ICICI Bank Personal Loan
      "Good service"
      0.5 4.0/5 "Great!"
      I got the personal loan amount within a week time. The customer support service and the response is very good from the ICICI bank. The rate of interest and the charges are average with the ICICI bank when compared with others. The loan amount was low with the ICICI bank .
      Was this review helpful? 0
      , mettur
      Reviewed on May 18, 2018
    • ICICI Bank Personal Loan
      "Average service"
      0.5 4.0/5 "Great!"
      The ICICI bank support was god in regards to my personal loan application and I have got the loan amount within 10days of time. The customer support service and the response is good from the ICICI bank. The rate of interest was quite high with the ICICI bank.
      Was this review helpful? 0
      , bangalore
      Reviewed on May 18, 2018
    • ICICI Bank Personal Loan
      "Good service"
      0.5 4.0/5 "Great!"
      My personal loan experience was good with ICICI bank, the loan amount was for Rs 2.5 lakhs with nominal interest rate when compared to other banks. The process was quick and i received my loan amount on time. Customer service was good and the tenure for this loan is 4 years.
      Was this review helpful? 0
      , hyderabad
      Reviewed on May 18, 2018
    • ICICI Bank Personal Loan
      "Not satisfied"
      0.5 1.0/5 "Really Bad"
      I have approached ICICI bank for my personal loan . I gave all my details later they said that they are not providing loans for employees and rejected my application. The loan amount was 2.5 lakhs and the interest rate was 15.99% . I am not happy with the customer service and responses .
      Was this review helpful? 0
      , bhubaneshwar
      Reviewed on May 17, 2018
    • ICICI Bank Personal Loan
      "good Expereince "
      0.5 5.0/5 "Blown Away!"
      I took a personal loan for 2 lacs from the ICICI bank. The loan was disbursed with in a week, the interest rate was 13% which was not so high. The whole application process was simple and the EMI gets reflected in my credit card outstanding. Overall It was good experience.
      Was this review helpful? 0
      , new delhi
      Reviewed on May 17, 2018
    • ICICI Bank Personal Loan
      "Excellent service"
      0.5 4.0/5 "Great!"
      The rate of interest and the charges are bit high with the ICICI bank personal loan services. The fore closure charges were high with the ICICI bank and they are collecting up to 5% . The customer support service and the response is good from the ICICI bank.
      Was this review helpful? 0
      , hyderabad
      Reviewed on May 16, 2018
    • ICICI Bank Personal Loan
      "No partpayment for personal loan"
      0.5 3.5/5 "Pretty good"
      I have taken a personal loan from ICICI bank and the disbursed loan amount was 7.52 lakhs. The rate of interest was 11.29%. The monthly emi is 8500 for tenure of 5years.There was a no processing fee. Pre closure facility is there but they don't have the option of part payment, for that i am not satisfied with ICICI bank.
      Was this review helpful? 0
      , bangalore
      Reviewed on May 16, 2018
    • ICICI Bank Personal Loan
      "Quick Service"
      0.5 4.5/5 "Excellent!"
      I took a personal loan for 2 Lacs from ICICI. They offered the personal loan at an interest rate of 14%. The application process was really easy and hassle free. I never had any issues with their services. Overall it was a good experience taking loan from ICICI
      Was this review helpful? 0
      , new delhi
      Reviewed on May 16, 2018
    • ICICI Bank Personal Loan
      "Below Average service"
      0.5 1.0/5 "Really Bad"
      I have applied for the personal loan via a financial website, and the ICICI bank rejected my loan application saying that the repayment period is short so they have cancelled the application. The ICICI bank need to fulfill the customer query.
      Was this review helpful? 0
      , mysore
      Reviewed on May 16, 2018
    • ICICI Bank Personal Loan
      "Good service"
      0.5 3.0/5 "Satisfactory"
      I recently got the home loan , so that was the reason I have closed the personal loan application with the ICICI bank. The service was good from the ICICI bank they gave me better response . The customer support service is pretty good from the ICICI bank.
      Was this review helpful? 0
      , hyderabad
      Reviewed on May 16, 2018
    • ICICI Bank Personal Loan
      "Good service"
      0.5 3.0/5 "Satisfactory"
      I recently got the home loan , so that was the reason I have closed the personal loan application with the ICICI bank. The service was good from the ICICI bank they gave me better response . The customer support service is pretty good with the ICICI bank.
      Was this review helpful? 0
      , jaipur
      Reviewed on May 16, 2018
    • ICICI Bank Personal Loan
      "Average service"
      0.5 3.0/5 "Satisfactory"
      The ICICI bank was about to approve the personal loan and they have sent their executives to collect the documents , but I am not available to submit the documents on time , so that was the reason I haven't got the personal loan from ICICI bank. The customer support service and the response is average with the ICICI bank. The rate of interest and the charges are average here.
      Was this review helpful? 0
      , jaipur
      Reviewed on May 16, 2018
    • ICICI Bank Personal Loan
      "Average service"
      0.5 3.0/5 "Satisfactory"
      I have applied for the personal loan with the ICICI bank and the service was good average from them . I have cancelled the application due to my personal reasons, but the rate of interest which they have offered was quite high when compared with other banks.
      Was this review helpful? 0
      , chennai
      Reviewed on May 16, 2018
    • ICICI Bank Personal Loan
      "Good service"
      0.5 3.0/5 "Satisfactory"
      I have taken this loan amount almost six months back, the services which they have provided me was all very good. The loan amount was also pretty good and i was pretty satisfied with it. It was a fast process and was quick in getting. The rate of interest was only a little high.
      Was this review helpful? 0
      , ahmedabad
      Reviewed on May 15, 2018
    • ICICI Bank Personal Loan
      "High on ROI and charges"
      0.5 3.0/5 "Satisfactory"
      It was not a up to the mark experience with ICICI Bank for the personal loan. The bank informed me a status update only after ten days. I had to follow up for the same. The rate of interest is around 17% and the processing charges is also on the higher.
      Was this review helpful? 0
      , bangalore
      Reviewed on May 14, 2018
    • ICICI Bank Personal Loan
      "Average service"
      0.5 3.0/5 "Satisfactory"
      I have been using the same institution for most of my banking and transaction account where in which was the main reason to choose to go with them for the personal loan. The rate of interest which they have offered was okay during the time they had provided it. The response from the customer service team was good, and i have not faced any issues during the process.
      Was this review helpful? 0
      , hyderabad
      Reviewed on May 13, 2018
    • ICICI Bank Personal Loan
      "Good service"
      0.5 2.0/5 "Expected more"
      There was a need in the finance for the maintenance of my home where in which i had applied for this loan. The rate of interest which they had offered was satisfactory and i was also sure about clearing the loan because of the less premium amount. There has been good follow ups from their end and the document submission was quite easy and smooth.
      Was this review helpful? 0
      , kochi
      Reviewed on May 12, 2018
    • ICICI Bank Personal Loan
      "Average service"
      0.5 2.0/5 "Expected more"
      It has been all average with the services which they have provided when i had applied for the particular personal loan. It was a good experience though. the customer service was not up to the mark where there was no reason intimated me before closing it.
      Was this review helpful? 0
      , phaltan
      Reviewed on May 12, 2018
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