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  • ICICI Agriculture Loan is Rated as "Great!" by 16634 Users
    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
      "Good service"
      0.5 5.0/5 "Blown Away!"
      Got the ICICI bank personal loan around 3 years ago. The customer support service is good with t he ICICI bank. The required loan amount has been approved and I am satisfied with it, the rate of interest and the charges are average with the ICICI bank. I am satisfied with the ICICI bank personal service,
      Was this review helpful? 0
      , hyderabad
      Reviewed on Feb 23, 2018
    • ICICI Bank Personal Loan
      "Needs a lot Improvement"
      0.5 2.0/5 "Expected more"
      ICICI bank has offered me the pre approved loan.,but they asked me to submit the required documents to go with the personal loan , so that was the reason I haven't got the personal loan from the ICICI bank. The pre approved loan must be approved without any documents but the process is different with the ICICI bank.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Feb 23, 2018
    • ICICI Bank Personal Loan
      "need to improve in service"
      0.5 4.0/5 "Great!"
      I requested for the personal loan from ICICI bank but my request got rejected and also they did not informed the reason for rejection about my personal loan. They offered me tenure loan for the period of three years and also they offered personal loan amount up to Rs 350,000. Interest rate is 14.9 % for my loan amount.
      Was this review helpful? 0
      , jaora
      Reviewed on Feb 23, 2018
    • ICICI Bank Personal Loan
      "Interest rate should be economical"
      0.5 5.0/5 "Blown Away!"
      ICICI gave me 14% of interest for the personal loan, it can be re look to reduce the interest. I took the loan of Rs. 5 lakhs for the tenure of five year, they charged some processing fee as well. I would like to suggest, bank should provide lower interest for Rs. 5 lakhs amount.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Feb 22, 2018
    • ICICI Bank Personal Loan
      "Good"
      0.5 3.5/5 "Pretty good"
      I requested for the personal loan from ICICI bank for purchasing the vehicle. They provide Loan for the period of 2 years, they offered personal loan amount up to Rs 100000. I requested for floating rate of interest but they did not provide me the same.
      Was this review helpful? 0
      , new delhi
      Reviewed on Feb 22, 2018
    • ICICI Bank Personal Loan
      "Best service"
      0.5 5.0/5 "Blown Away!"
      I have taken a Personal loan with ICICI bank and the loan experience was very good. The loan amount was for Rs 50000 with the rate of interest of 5% which i got it in offer and it is less rate of interest when compared to other banks. Customer service was good and they provided door step service to collect the documents. The process was very smooth and the tenure of this loan is 3 years.
      Was this review helpful? 0
      , new delhi
      Reviewed on Feb 21, 2018
    • ICICI Bank Personal Loan
      "Good"
      0.5 2.0/5 "Expected more"
      Rate of interest is huge one with the ICICI bank for the personal loan. I would like to say that the customer service have called me after one or two days of time. Everything is better one for me with the ICICI bank, also am really happy with them till now.
      Was this review helpful? 0
      , bangalore
      Reviewed on Feb 21, 2018
    • ICICI Bank Personal Loan
      "Below average"
      0.5 1.0/5 "Really Bad"
      I have a personal loan from Icici,the service is good with Icici. The rate of interest is 11.29 in the initial stage but they increase it to 11.99 which is high. The documents procedure has been smooth. The staffs are friendly in approach. It has been two months since, I have taken the service. As my company is not listed according to the bank criteria the amount they offered me is less, the service from Icici personal loan team is not as I expected.
      Was this review helpful? 0
      , bangalore
      Reviewed on Feb 20, 2018
    • ICICI Bank Personal Loan
      "Average service"
      0.5 3.0/5 "Satisfactory"
      I have taken a personal loan from ICICI during the year 2006. The customer support is good with ICICI. I used to visit the branch directly it is good and staffs are friendly. The documents have been collected from my door step. It is an average service that I received from ICICI personal loan department.
      Was this review helpful? 0
      , bangalore
      Reviewed on Feb 20, 2018
    • ICICI Bank Personal Loan
      "Better service"
      0.5 4.0/5 "Great!"
      I have my personal loan with ICICI bank. The loan amount was 1.5 lakhs and the Interest rate was 11.75% which is average in the market. The tenure period was 4 years and the loan process was very good. My overall experience was really good with ICICI Bank.
      Was this review helpful? 0
      , guwahati
      Reviewed on Feb 20, 2018
    • ICICI Bank Personal Loan
      "Good"
      0.5 2.0/5 "Expected more"
      Rate of interest is huge one with the ICICI bank for the personal loan. I would like to say that the customer service have called me after one or two days of time. Everything is better one for me with the ICICI bank, also am really happy with them till now.
      Was this review helpful? 0
      , bangalore
      Reviewed on Feb 20, 2018
    • ICICI Bank Personal Loan
      "Good"
      0.5 3.5/5 "Pretty good"
      I have taken my personal loan with ICICI bank 4 years back.The loan amount was 4 lakhs and the Interest rate was 16%which is very high than other banks.The tenure period was 48 months. The loan process was every good which is satisfactory . They have provided door step service for collecting documents .
      Was this review helpful? 0
      , bangalore
      Reviewed on Feb 17, 2018
    • ICICI Bank Personal Loan
      "Better"
      0.5 3.5/5 "Pretty good"
      I took my personal loan from ICICI Bank through online portal. It was a good experience. They charged more interest rate and the processing was 760 rupees. The documents are submitted online and its a paperless approval. They have disbursed the loan amount on the committed time.
      Was this review helpful? 0
      , bangalore
      Reviewed on Feb 16, 2018
    • ICICI Bank Personal Loan
      " ."
      0.5 3.5/5 "Pretty good"
      I took my personal loan through online channel. The loan disbursement was fine from ICICI BANK. Actually there was no requirement for the policies but they charged for the policy without any information. The rate of interest was good. The premium was paid through ECS.
      Was this review helpful? 0
      , ghaziabad
      Reviewed on Feb 16, 2018
    • ICICI Bank Personal Loan
      "Need to improve"
      0.5 1.0/5 "Really Bad"
      I have the personal loan with the ICICI bank and the interest rate is on higher end. Customer service is not good one ad the processing charges were on higher end. Responsiveness could be get improved as such. I am really happy with the ICICI bank.
      Was this review helpful? 0
      , new delhi
      Reviewed on Feb 16, 2018
    • ICICI Bank Personal Loan
      "Looking best Interest"
      0.5 3.0/5 "Satisfactory"
      ICICI interest rate is high for the personal loan, though I am an existing customer of the bank. I didn't get any attractive interest. But the process was good, I got the loan amount within a week. The have foreclosure charges around 3000 to 4000.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Feb 15, 2018
    • ICICI Bank Personal Loan
      "Good"
      0.5 5.0/5 "Blown Away!"
      I had a good experience with ICICI Bank on personal loan. The interest rate was average. They charged a processing fee. They took around a week for the disbursement. I had applied for 50K and the same I received. The loan duration is 3 years. Overall good
      Was this review helpful? 0
      , ahmedabad
      Reviewed on Feb 15, 2018
    • ICICI Bank Personal Loan
      "Good"
      0.5 4.0/5 "Great!"
      My personal loan was taken with ICICI bank.The loan amount was 1 lakh and the Interest rate was 16.25% which is very high than other bank.The loan process was smooth and hassle free .They have provided door step service for collecting documents . My overall experience was good.
      Was this review helpful? 0
      , coimbatore
      Reviewed on Feb 15, 2018
    • ICICI Bank Personal Loan
      "Fantastic"
      0.5 5.0/5 "Blown Away!"
      I have taken the personal loan with the ICICI bank and the customer service is good one like they have approved my loan within 24 hours of time. Everything is good one with the ICICI bank and I am really happy with the ICICI bank.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Feb 15, 2018
    • ICICI Bank Personal Loan
      "Good service"
      0.5 4.0/5 "Great!"
      I have taken a Personal loan with ICICI bank and the experience was good. The loan amount was for Rs 90000 with the rate of interest of 14% which is nominal rate. The process was smooth and i received my loan amount on time. Customer service was good and they followed up on time. The tenure of the loan is 12 months.
      Was this review helpful? 0
      , noida
      Reviewed on Feb 14, 2018
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