Multiple banks. Different interest rates. Call it a "conflict of interest".
  • ICICI Agriculture Loan is Rated as "Great!" by 17435 Users

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    Promised Interest Rate

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    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:

    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 in Service"
      0.5 5.0/5 "Blown Away!"
      I have taken a personal loan with ICICI. I am a customer of ICICI from the past 7 years and i am a happy customer of ICICI. The loan was approved instant , it was approved within seconds. There are no documentation work and with just one click things were taken care. Also the interest rates were reasonable.
      Was this review helpful? 1
      , new delhi
      Reviewed on Jan 22, 2019
    • ICICI Bank Personal Loan
      "Excellent service"
      0.5 5.0/5 "Blown Away!"
      I have been applied ICICI bank credit card , the loan amount they have given me was sufficient, the rate of interest they have charged me up to 15% it is nominal, the processing fee they have charged me up to 2000 it is nominal. Their service is good. There is no hidden charges . Still the loan is running.
      Was this review helpful? 0
      , new delhi
      Reviewed on Jan 22, 2019
    • ICICI Bank Personal Loan
      "Good Loan"
      0.5 4.0/5 "Great!"
      Purchased my personal loan from ICICI since I'm holding the salary account with the same. I bought the loan 5 years back without any documentation. Within a week, they have sanctioned the loan. They have not provided the partial payment and pre-closure facility.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jan 22, 2019
    • ICICI Bank Personal Loan
      "Good in Need"
      0.5 4.5/5 "Excellent!"
      I have taken a personal loan with ICICI Bank and the loan is still running. The rate of interest is reasonable and there was less documentation work at the time of applying. My application was processed on time and there was no delay. The response was quick.
      Was this review helpful? 0
      , mumbai
      Reviewed on Jan 22, 2019
    • ICICI Bank Personal Loan
      "Good service"
      0.5 3.0/5 "Satisfactory"
      The process in getting this loan was good but the interest rate with them has been a little high. The loan amount which they had provided has been sufficient and there has been some charges which they had made as well like the processing fee. Their customer support has also been responsive.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jan 22, 2019
    • ICICI Bank Personal Loan
      "Super Loan Services"
      0.5 4.0/5 "Great!"
      When i approached the personal, whatever they have promised, they have done the same. There is no deviation in the process. 1.5 years before, i have purchased the personal loan. I used to pay the EMI of Rs. 6618. I have chosen the tenure period for 5 years. The amount has been auto deducted through ECS.
      Was this review helpful? 0
      , chennai
      Reviewed on Jan 21, 2019
    • ICICI Bank Personal Loan
      "Loan process should be simple"
      0.5 4.0/5 "Great!"
      I have given some documents they taken almost a month but I got a good response whenever I call to them. Compared to other bank the interest rate is high but operation is good. As a customer I felt the interest is high around 15% for the amount of Rs. 3.5 lakhs, they have processing fee around 5000 remaining amount got into the account.
      Was this review helpful? 0
      , chennai
      Reviewed on Jan 21, 2019
    • ICICI Bank Personal Loan
      "Execellent service"
      0.5 5.0/5 "Blown Away!"
      I am an existing customer of ICICI bank, I got the better interest rate. The bank offered me the principal amount around Rs. 1. 5 lakh for the tenure period of five years. Bank gave me preclosure and part payment option. The loan procedure was easy.
      Was this review helpful? 0
      , udgir
      Reviewed on Jan 21, 2019
    • ICICI Bank Personal Loan
      "Hassle free loan"
      0.5 3.5/5 "Pretty good"
      I have taken my personal loan from ICICI bank. ICICI is response rate is quite high when i apply for the loan. We don't need to follow the bank and the process is very simple. I have got the loan on time and its very hassle free loan experience. They have given me a interest rate of 12.5% which is convenient for me.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jan 20, 2019
    • ICICI Bank Personal Loan
      "Not a good services"
      0.5 1.0/5 "Really Bad"
      I had taken the personal loan with ICICI bank. When i went for the pre-closure they have charged me a huge amount as a pre-closure charges and the same has not been informed at the time of taking the loan. Interest rates were very huge which is 15% and the processing fee was Rs. 1000. Actually i have to locate a particular branch for closing the loan and the closing option is not available in all the branches.
      Was this review helpful? 1
      , new delhi
      Reviewed on Jan 20, 2019
    • ICICI Bank Personal Loan
      "Good service"
      0.5 4.0/5 "Great!"
      I have been using with ICICI bank personal loan for long time, they have given me sufficient loan amount ,and the rate of interest they have charged me is nominal they have charged me up to 11.9% approx they take up to 12% as interest,the processing fee they have charged me was nominal,there overall service was good.
      Was this review helpful? 1
      , mumbai
      Reviewed on Jan 20, 2019
    • ICICI Bank Personal Loan
      "High Interest rates"
      0.5 4.0/5 "Great!"
      I have taken a personal loan with ICICI Bank and the loan is still running. The rate of interest is bit high and it is around 11.45%. At the time i applied for a credit card my application was processed quick. If the rate of interest come down it will be good. The Tenure period is 5 years.
      Was this review helpful? 1
      , hyderabad
      Reviewed on Jan 19, 2019
    • ICICI Bank Personal Loan
      "Not satisfied"
      0.5 1.0/5 "Really Bad"
      Still am running the personal loan, They did not reveal the charges and executive called me informed about I will receive some loan amount but got lesser than that. Though I called the customer service there was no proper response. The loan duration is 5 years and monthly EMI is 14K through ECS. I am a salary account holder of ICICI Bank and did not get any much benefits of this account.
      Was this review helpful? 1
      , bangalore
      Reviewed on Jan 19, 2019
    • ICICI Bank Personal Loan
      "Process is good"
      0.5 5.0/5 "Blown Away!"
      I have taken a personal loan with ICICI Band. The process is good and there are no hassles to get the loan. The customer support and response is good. The rate of interest and the processing charges are normal. The after loan services are good too.
      Was this review helpful? 1
      , mumbai
      Reviewed on Jan 19, 2019
    • ICICI Bank Personal Loan
      "Good service"
      0.5 4.0/5 "Great!"
      I have holding my personal loan with ICICI bank,they have given me sufficient loan amount , and the rate of interest they have charged me up to 11.7% which was nominal,even there processing fee was nominal, still my loan is running.till now no issue i have experience.
      Was this review helpful? 0
      , chennai
      Reviewed on Jan 19, 2019
    • ICICI Bank Personal Loan
      "Excellent service"
      0.5 5.0/5 "Blown Away!"
      I have been using personal loan with ICICI bank, they have given me sufficient loan amount,the rate of interest they have been charged me was nominal ,and they have charged me processing fee that too was nominal,still now loan is running ,overall service is good.
      Was this review helpful? 0
      , vadodara
      Reviewed on Jan 19, 2019
    • ICICI Bank Personal Loan
      "Normal Loan"
      0.5 2.5/5 "Just OK"
      I have bought my ICICI bank personal loan 1.5 years ago. During that time the rate of interest was low hence i have chosen the ICICI bank. The collection executive came to my place and collected all my documents. They have given me a loan on time. They are providing pre-closure with some charges of 5% hence i won't recommend.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jan 19, 2019
    • ICICI Bank Personal Loan
      "Its Good"
      0.5 4.0/5 "Great!"
      I approached ICICI personal loan through online channel, ICICI taken care and disbursed the amount within two to three weeks of time, But I felt interest rate is good in Tata capital as compared to ICICI. But still I recommend ICICI bank its good.
      Was this review helpful? 3
      , bangalore
      Reviewed on Jan 18, 2019
    • ICICI Bank Personal Loan
      "Good Experience"
      0.5 5.0/5 "Blown Away!"
      That was better experience, interms of rate of interest. ICICI bank agents are proactive they came to my place and collected the documents and done the process. Then I didn't interact with them. I got the better deal from ICICI on the personal loan.
      Was this review helpful? 3
      , hyderabad
      Reviewed on Jan 18, 2019
    • ICICI Bank Personal Loan
      "Good service"
      0.5 3.5/5 "Pretty good"
      I had taken this loan almost three years back and the process in getting this loan has been quite good. The loan amount has been fine and the interest rate with them has also been nominal. There has not been any sort of charges which they had made so far.
      Was this review helpful? 1
      , mumbai
      Reviewed on Jan 18, 2019
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