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Best Agricultural Loans in India 2025

Empower your farming with LoanPao’s low-rate agricultural loans from 6.5% p.a. and approvals in 72 hours.

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About Agricultural Loans in India 2025

Agricultural loans, also known as farm loans, provide financial support to farmers for crop cultivation, equipment purchase, or land development. In 2025, with government schemes like Kisan Credit Card (KCC) and PM-KISAN, rates start at 6.5% p.a., and subsidies up to 3% are available. LoanPao partners with over 250 RBI-compliant lenders to offer tailored solutions with minimal paperwork and approvals within 72 hours.

Key Features

  • Loan Amount: Up to ₹1 crore for crop loans; ₹10 crore for term loans.
  • Interest Rates: Starting at 6.5% p.a. (fixed or floating).
  • Tenure: 12–18 months for crop loans; up to 15 years for term loans.
  • Subsidies: Up to 3% interest subvention via KCC/PM-KISAN.
  • Digital Process: Apply online with e-KYC and instant pre-approvals.

LoanPao’s experts guide farmers through the process, ensuring transparency and compliance. Start your journey today!

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Agricultural Loan Interest Rates 2025

Compare rates from top lenders, starting at 6.5% p.a. Rates vary based on loan type, credit score, and scheme eligibility.

Lender Interest Rate (p.a.) Processing Fee
SBI (KCC) 6.5%–8.0% 0.2%–0.5%
NABARD 6.7%–9.0% Up to 0.5%
HDFC Bank 7.0%–8.5% 0.5%–1%

Why Choose LoanPao?

LoanPao offers seamless agricultural loans with 250+ trusted lenders, digital applications, and 24/7 support. Our IRDAI-certified experts ensure compliance and transparency.

Low Rates

Competitive rates from 6.5% p.a.

Quick Approvals

Approvals within 72 hours.

Trusted Partners

Access 250+ banks and NBFCs.

Eligibility Criteria

Check if you qualify for a LoanPao agricultural loan:

  • Age: 18–70 years
  • Income: Minimum ₹2 lakh p.a. from agriculture
  • Land Ownership: Ownership or lease proof required
  • Credit Score: 650+ for better rates
  • Tip: Co-applicants can enhance eligibility.
Check Eligibility

Application Process

Apply for your agricultural loan in 5 simple steps:

  1. Submit online application on LoanPao’s platform.
  2. Provide ID, income, and land documents.
  3. Get pre-approved offers from lenders.
  4. Complete verification (legal and technical).
  5. Receive funds within days.
Apply Now

EMI Calculator

Use our EMI Calculator to estimate monthly payments and total interest based on loan amount, tenure, and rate.

Calculate EMI

Testimonials

“LoanPao helped me get a KCC loan at 6.5% in 2 days!”

Rakesh Kumar, Punjab

“Fast approval and great support for my tractor loan.”

Sunita Devi, Haryana

Frequently Asked Questions

Up to ₹1 crore for crop loans; ₹10 crore for long-term loans.

Crop loans: 12–18 months; term loans: up to 15 years.

Yes, up to 3% interest subvention via PM-KISAN and KCC.

Aadhaar, PAN, land ownership/lease proof, and income documents.

Yes, with valid lease agreements and lender approval.