Overview of Agricultural Loan in Ghaziabad
Agricultural loans in Ghaziabad support farmers with financing for crop cultivation, equipment, seeds, fertilizers, and allied activities like dairy or pisciculture. In 2025, lenders like Bank of Baroda, Punjab National Bank (PNB), and IndusInd Bank offer loans starting at 7% p.a. Loanpao helps you compare offers, check eligibility, and apply seamlessly for agricultural loans tailored to Ghaziabad’s farming community.
Eligibility Criteria for Agricultural Loan in Ghaziabad
| Criteria | Details |
|---|---|
| Applicant Type | Farmers (owners, tenants, sharecroppers) or registered farmer producer companies |
| Age | 18 to 70 years |
| Land Ownership | Proof of land ownership or tenancy agreement |
| Business Vintage | Minimum 6 months for farmer producer companies |
| Credit Score | Preferably 600+; not mandatory for secured loans |
Documents Required for Agricultural Loan in Ghaziabad
- Identity Proof: Aadhaar, PAN Card, or Voter ID.
- Address Proof: Utility bill, Aadhaar, or tenancy agreement (Ghaziabad address).
- Land Documents: Land ownership papers, tenancy agreement, or patta book.
- Farming Proof: Crop cultivation records or farmer producer company registration.
- Financials: Bank statements (last 6 months); ITR optional for small loans.
Benefits of Agricultural Loan in Ghaziabad
- Low interest rates starting at 7% p.a. in 2025.
- Loan amounts up to ₹50 lakh for crop loans, term loans, or mechanization.
- Flexible repayment tenures up to 10 years for solar pump set loans.
- Quick disbursal within 5 days from lenders like Bank of Baroda in Ghaziabad.
- Subsidies under government schemes like PM Kisan Sampada Yojana.
Factors Affecting Agricultural Loan in Ghaziabad
Interest Rate
Rates range from 7% to 12%, depending on loan type and credit profile.
Loan Amount
Up to ₹50 lakh, based on land size, crop type, and farming needs in Ghaziabad.
Credit Score
A score above 600 improves terms; secured loans may waive this requirement.
Land Ownership
Clear land documents or tenancy agreements ensure faster approval.
How to Apply for an Agricultural Loan in Ghaziabad
Follow these steps to apply for an agricultural loan in Ghaziabad through Loanpao:
- Visit loanpao.in and select "Agricultural Loan in Ghaziabad."
- Fill out the online application form with details (name, Ghaziabad address, farming type).
- Upload required documents (Aadhaar, land papers, bank statements).
- Compare offers from top Ghaziabad lenders like Bank of Baroda, PNB, and IndusInd Bank.
- Get approval and funds disbursed within 5 days in Ghaziabad.
Loan Eligibility for Agricultural Loan in Ghaziabad
Check your eligibility for an agricultural loan in Ghaziabad with Loanpao’s eligibility tool:
- Enter your farming details (crop type, land size).
- Provide your credit score (if applicable).
- Specify your Ghaziabad address for localized offers.
- Include business vintage for farmer producer companies (minimum 6 months).
Loanpao will instantly assess your eligibility and suggest the best agricultural loan offers in Ghaziabad.
Check Eligibility NowTrack Your Agricultural Loan Application in Ghaziabad
Loanpao provides a seamless tracker for your agricultural loan application:
- Submit your application ID on the Loanpao Tracker page.
- Get real-time updates on your application status (e.g., under review, approved, disbursed).
- Receive notifications for disbursal updates in Ghaziabad.
- Contact Loanpao support for assistance with delays in Ghaziabad.
Agricultural Loan Comparison in Ghaziabad
Compare agricultural loan offers from top lenders in Ghaziabad:
| Lender | Interest Rate | Loan Amount | Tenure | Processing Fee |
|---|---|---|---|---|
| Bank of Baroda | 7% p.a. | Up to ₹50 lakh | Up to 10 years | 0–1% of loan amount |
| Punjab National Bank | 7.5% p.a. | Up to ₹40 lakh | Up to 7 years | 0.5–2% of loan amount |
| IndusInd Bank | 8% p.a. | Up to ₹30 lakh | Up to 5 years | 1–3% of loan amount |
Frequently Asked Questions
There is no strict minimum land size, but eligibility depends on cultivation records and land documents.
Agricultural loans in Ghaziabad can be disbursed within 5 days after application approval.
The maximum loan amount is up to ₹50 lakh, based on land size and farming needs.
Yes, tenant farmers can apply with a valid tenancy agreement and cultivation records.
Missing an EMI may incur late fees and affect your credit score; contact the lender for assistance.
Yes, most lenders allow prepayment with minimal or no charges after 6 months of EMIs.
Bank of Baroda, PNB, and IndusInd Bank offer competitive rates and quick disbursal for agricultural loans in Ghaziabad.
Yes, Loanpao offers a fully online application process for agricultural loans in Ghaziabad.
Collateral is not required for small crop loans; larger loans may need land or gold as security.
Tenures range from 1 year for crop loans to 10 years for solar pump set loans in Ghaziabad.