SBI Agriculture Loan 2025

1. Micro Credit 

1. Farm Mechanization Loan 

Crop Loan

There are different types of Agricultural personal Loan from SBI. This loan covers the expenses related to crop production, post-harvest activities, contingencies, etc. Borrowers are provided a Kisan Credit Card, a type of electronic RuPay Card, using which they can withdraw money from ATMs with ease. These cards can also be used for purchasing fertilizers for the farm.

There are three types of Crop Loans offered by SBI and those are listed below along with every detail: 

Kisan Credit Card (KCC) Scheme 

The aim of Kisan Credit Card scheme is to provide farmers with timely and sufficient credit for cultivation, contingency needs, and related ancillary activities through a simplified process that allows easy access to funds when required. 

Key Features and Benefits of the Kisan Credit Card (KCC) Scheme: 

Eligibility for Kisan Credit Card Scheme 

1. All farmers and joint cultivators
2. Tenant farmers, share croppers, and oral lessees
3. Joint liability groups and self-help groups, including tenant farmers

Documents Required 

1. Duly filled application form 

1. Two recent passport-sized photographs 

1. Any of one of the identity proves, such as Aadhar Card, Driving License, Voter ID, or Passport 

1. Address proof (e.g., Aadhar Card, Driving License, etc.) 

1. Landholding proof certified by the revenue authorities 

1. Details of cropping pattern, including types of crops and area under cultivation 

1. Security documents (required for loan limits above Rs.2.00 lakh or Rs.3.00 lakhs, as applicable) 

1. Any additional documents as specified in the loan sanction terms

Kisan Samriddhi Rin 

The objective of this scheme is to offer timely and adequate cash credit to corporate farmers, agri-companies, large farmers, and others adopting scientific and advanced farming methods, covering their complete end-to-end farming needs. 

Features and Benefits of Kisan Samriddhi Rin 

Eligibility 

1. Farmers involved in progressive or scientific farming practices. 

1. Minimum landholding should be at least 4 acres or actively using scientific farming methods. 

1. Credit Score should be 650 or above. 

1. Applicants with no credit history are also eligible 

1. The minimum age of the applicant should be 18 years and there is no upper age limit, but a co-borrower is required if applicant’s age is above 60 years. 

1. Corporate Applicants must show profits for the past two years, based on audited, actual, or projected financials depending on incorporation year. 

Documents Required 

1. KYC documents (proof of identity and address) 

1. Completed loan application form 

1. Proof of land ownership or lease agreement for leasehold cultivators 

1. Details of cropping pattern, including types of crops grown and area cultivated 

Gold Loan

Individuals can get loans for agricultural purposes by pledging gold ornaments. These loans have attractive interest rates and are disbursed almost immediately. All farming activities can be covered through these loans. The two types of gold loans available to farmers are the Agri Gold Loan for Crop Production and Multi Purpose Gold Loan.

Multi-Purpose Gold Loan 

The purpose of SBI Multi Purpose Gold Loan is mentioned below: 

1. Farmers involved in agriculture, cultivating their own or leased land. 

1. Farmers engaged in allied activities such as poultry, fisheries, dairy, piggery, and sheep farming. 

1. Entrepreneurs and farmers requiring investment credit for farm machinery, land development, irrigation, horticulture, etc. 

1. Any other farming activities not covered under the Agri Interest Subvention Scheme but are classified under agriculture as per RBI/GoI/NABARD guidelines. 

Features and Benefits of Multi Purpose Gold Loan 

Eligibility 

1. All farmers include individuals who are owner cultivators and Agri entrepreneurs. 

1. Tenant farmers, Sharecroppers, and oral lessees 

1. Any person engaged in any allied or agricultural activities 

Documents Required 

1. KYC documents 

1. Application 

1. Two copies of the borrower’s photograph 

1. Evidence of landholding or Allied activities. 

1. Any other document. 

Farm Mechanization Loan

These tractor loans are offered for purchasing power tillers, tractors, combine harvesters, etc. An individual can also avail this loan without any collateral. The different types of farm mechanization loans are detailed below:

This includes four types of loan schemes:

1. Tractor Loan 

1. Financing of Combine Harvester 

1. Composite Minor Irrigation 

1. Financing Pumpset 

Tractor Loan 

This loan scheme offers financial support for fulfilling the cost of Tractor and its accessories including insurance and registration charges. 

Key Features and Benefits of Tractor Loan 

Eligibility 

1. Individual farmer 

1. Minimum agriculture landholding of two acres 

1. Eligible for individual with either no credit history, minimum CRIF Highmark Score above 600 or CIBIL score above 650. 

Documents Required 

1. Application form 

1. Borrower’s photo 

1. KYC documents 

1. Proforma invoice or tractor quotation 

1. Proof of agriculture land or cultivation. 

1. As per bank approval, any other valid document 

Financing of Combine Harvester 

This loan scheme offers financial support for purchasing Combine Harvesters along with accessories. 

Key Features and benefits of Financing of Combine Harvester 

Eligibility 

1. Individual, group of individuals such as JLGs / SHGs, etc. 

1. Applicant must have a minimum of three acres and five acres of irrigated land for individual borrowers and for joint borrowers, respectively. 

1. Or individuals must have dry land of a minimum of 15 acres. 

1. Individuals will be eligible either if they have no credit history, minimum CRIF Highmark Score above 600 or CIBIL score above 650. 

Documents Required 

1. Application form  

1. Photo of the borrowers. 

1. Proforma Invoice or Combine Harvester Quotation 

1. KYC Documents 

1. Proof of agricultural land or cultivation 

1. Any other document 

Composite Minor Irrigation 

This type of loan is funded for various agricultural purposes such as: 

1. Pump sets, oil engines, and pipelines 

1. Construction or repair of dug wells, bore wells, and tube wells 

1. Ponds and water storage tanks 

1. Support for micro irrigation systems such as, sprinkler systems and drip irrigation systems 

1. Setting up automated or computerized irrigation systems 

1. Individual or cooperative lift irrigation schemes 

1. Assistance available for rainwater harvesting systems 

1. For purchasing generator sets specifically for irrigation use 

Key Features and Benefits of Composite Minor Irrigation 

Eligibility 

1. Individual farmers 

1. Companies, partnership firms, JLGs or SHGs of farmers 

Documents Required 

1. Application form 

1. Proof of agriculture land or cultivation land 

1. Identity proof, such as passport, Aadhar card, driving license, PAN, voter card, etc. 

1. Any other documents as per bank requirement  

Financing Pumpset 

This loan offers funding for purchasing irrigation pump set or oil engine along with accessories. 

Key Features of Loans for Financing Pump Set 

Eligibility 

1. Individual farmers 

1. Companies or partnership firms 

1. Joint Liability Groups (JLGs) 

1. Self-Help Groups (SHGs) consisting of farmers 

1. The applicant should own a minimum of 1.25 acres of land. 

1. Loans may also be considered for holdings below 1.25 acres if the farmer can sell surplus water, or if the project is proven to be financially viable. 

Documents Required 

1. Application form 

1. Proof of agricultural land or cultivation land 

1. Identity proof, such as Aadhaar, driving license, PAN, voter card, passport, etc. 

1. Address proof such as Aadhaar, driving license, passport, voter card, etc. 

Micro Credit 

Micro Credit is a form of micro finance where a small amount of loan is given to an individual to either help them grow a business or become self-employed. The types of loan schemes under SBI Micro Credit loan are mentioned below: 

1. Financing through Co-Lending Arrangement 

1. Financing Self-Help Groups- Promoted 

1. Financing Self-Help Groups- Direct Linkage 

1. Financing Joint Liability Group  

1. Svayam Siddha Scheme 

Financing through Co-Lending Arrangement 

The purpose of this loan type are mentioned below: 

1. To boost credit access for micro-entrepreneurs, artisans, and individuals in non-farm and allied agri activities 

1. To finance new or expanding self-employment ventures and micro units under state-specific schemes, aimed at generating employment 

Key Features 

Eligibility 

1. Members must be of the same gender, socio-economic background, and involved in similar activities 

1. Should agree to operate collectively as a Joint Liability Group 

1. Must be engaged in non-farm or allied agricultural activities within the operational area of the partner NBFC 

1. Subject to all other conditions under the RBI’s Regulatory Framework for Microfinance 

Documents Required 

1. Application form 

1. Arrangement Letter 

1. Loan Agreement 

1. D.P. Note and D.P. Note Delivery Letter 

Financing Self-Help Groups- Promoted 

NRLM Scheme 

Key Features 

Eligibility 

1. Under the DAY-NRLM scheme, SHGs must be promoted in rural areas. 

1. Should be in active existence for at least 6 months, based on their books of accounts (not from the date of opening a savings account). 

1. Must meet the grading criteria set by NABARD or Ministry of Rural Development (MoRD). 

1. From the third dose of credit onwards, a Micro Credit Plan is mandatory. 

Documents Required 

Documents for loan required as prescribed by IBA (Indian Banks’ Association). 

Financing Self-Help Groups- Direct Linkage Key Features

Eligibility 

1. SHG must be in active existence for at least 6 months, based on their books of accounts (not from the date of savings account opening) 

1. Must meet the grading standards prescribed by NABARD 

1. Should have the required corpus to qualify for the loan 

Documents Required 

Documents for loan required as prescribed by IBA (Indian Banks’ Association). 

Financing Joint Liability Group 

The purpose of this type of loan is mentioned below: 

Eligibility 

1. Members must be of the same gender and socio-economic background. 

1. Must be involved in similar livelihood activities 

1. Should agree to operate collectively as a Joint Liability Group 

1. Must be engaged in non-farm or allied agricultural activities within the branch’s area of operation 

1. Subject to all other conditions under the RBI’s Microfinance Regulatory Framework 

Documents Required 

1. Articles of Agreement for financing JLGs 

1. Inter se Agreement 

1. D.P. Note and D.P. Note Delivery Letter 

Svayam Siddha Scheme 

SBI launched the 'Svayam Siddha' initiative, aligned with the Government’s “Lakhpati Didi” program, to empower women entrepreneurs from successful NRLM SHGs by simplifying the credit process and removing hurdles. 

Key Features 

Target Group 

1. Applicant must be an individual member of a matured SHG 

1. The SHG should be credit-linked exclusively with SBI 

1. NRLM/SRLM officials (Sponsoring Agency) will identify eligible women micro-entrepreneurs from each SHG and forward the loan application along with KYC documents to the nearest or designated bank branch 

Activities Undertaken 

Agri & Allied Activities: 

1. Mushroom cultivation 

1. Poultry farming 

1. Sericulture 

1. Fish farming (Pisci culture) 

1. Dairy activities 

1. Goat, sheep, and pig rearing 

Services: 

1. Beauty parlour and saloon 

1. Tailoring and boutique 

1. Rural/eco-tourism ventures 

1. Restaurants and catering services 

1. Internet café and photocopying services 

Trading: 

1. Cosmetic stores 

1. Fruit and vegetable shops 

1. Tea, ice cream, milk, and cold drink shops 

1. Grocery and stationery stores 

Manufacturing: 

1. Food processing (jam, jelly, pickles, dairy products, snacks, papad) 

1. Flour/pulse/spice mills (besan, spices) 

1. Oil processing units 

1. Handloom, handicrafts, textiles (bags, baskets, file covers, etc.) 

1. Pottery and ceramic items 

1. Agarbatti, candles, and wax-based products 

1. Soap, detergent, and liquid cleaning products 

1. Metal and cane goods (e.g., tin boxes, drums) 

1. Artificial jewellery (metal, bamboo, cane) 

1. Bangles and glass/lac items 

1. Woollen products (hosiery, embroidery) 

1. Sanitary items (napkins, towels, toilet rolls) 

1. Paper and leaf-based cups, plates, and glasses 

Documents Required 

Post-Disbursement Documentation (for MUDRA Loans): 

1. Disbursement to be made directly to the supplier, 

1. Original Tax Invoice or bills must be submitted after disbursement 

Mandatory documents are: 

1. Identity Proof: Self-attested copy of either Voter ID, driving license, PAN, Aadhaar, or Passport (as per KYC norms). 

1. Address Proof: As per standard MUDRA credit processing 

1. Business Proof: Relevant licenses, registration, or documents showing ownership and address of business 

1. Udyog Mitra / Udyam Assist Registration (if applicable) 

1. Last six months’ bank statement or passbook 

1. wo passport-size photos of proprietor/partners 

1. SHG name, account number, and linkage information 

1. IBA-approved application form 

1. Forwarding Letter from SRLM (State Rural Livelihood Mission) 

1. Property Declaration from property owner (if applicable) 

1. Draft report of project with projected financials, viability, ITR (based on loan type and amount) 

1. To increase credit access for micro-entrepreneurs, artisans, and individuals in non-farm and allied agricultural activities 

1. Finances the setup or expansion of self-employment ventures, projects, or micro units under state-specific schemes to support employment generation. 

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