Overview of Agricultural Loan Schemes 2025
New agricultural loan schemes are empowering farmers in India in 2025, supported by government initiatives and financial institutions. As of 12:50 AM IST, July 04, 2025, Loanpao collaborates with these programs to offer affordable financing options. This section details the latest schemes and their impact.
Key Agricultural Loan Schemes
Top schemes available in 2025 include:
- PMAY-Agriculture: Subsidized loans for farm infrastructure.
- Kisan Credit Card (KCC): Flexible credit up to ₹3 lakh at 4% interest.
- PM-KISAN Scheme: Direct income support linked to loans.
- Agri-Infra Fund: Loans for storage and processing units.
- NABARD Schemes: Low-interest loans for rural farmers.
These schemes aim to increase agricultural productivity by 20% in 2025.
Loan Details with Loanpao
Loanpao supports these schemes with tailored options:
| Scheme | Interest Rate | Loan Amount | Tenure |
|---|---|---|---|
| Kisan Credit Card | 4% - 7% | ₹10,000 - ₹3 lakh | 1-5 years |
| Agri-Infra Fund | 5% - 8% | ₹1 lakh - ₹10 lakh | 3-10 years |
| PMAY-Agriculture | 6% - 9% | ₹50,000 - ₹5 lakh | 2-7 years |
Note: Subsidies may reduce effective rates. Contact Loanpao for eligibility.
Eligibility and Application Process
To qualify for agricultural loans with Loanpao:
- Age: 18-65 years.
- Land Ownership: Minimum 1 acre of cultivable land.
- Documents: Aadhaar, land records, and income proof.
- Scheme Enrollment: Registration with government programs.
- Credit History: No major defaults required.
Apply online or via Loanpao partners, with approval in 3-5 days.
Benefits of Agricultural Schemes
Key advantages for farmers in 2025:
- Subsidies: Up to 3% interest reduction.
- Quick Funds: Support for timely sowing and harvesting.
- Modern Tools: Financing for tractors and equipment.
- Insurance Coverage: Linked crop insurance options.
- Income Boost: Enhanced productivity and profit.
Frequently Asked Questions
Key schemes include PMAY-Agriculture, KCC, and Agri-Infra Fund.
Farmers aged 18-65 with at least 1 acre of land.
Approval within 3-5 days after document verification.