NABARD Refinance Loan Overview

LoanPao’s NABARD Refinance Loan in India 2025 facilitates funding up to ₹20 crore for agriculture, MSMEs, and rural enterprises through NABARD’s refinance schemes. With competitive rates of 6%–12% p.a. and tenures up to 7 years, we connect you with 500+ RBI-compliant lenders offering approvals within 5–15 days. NABARD refinance supports banks and NBFCs to provide low-cost loans for farm mechanization, agribusiness, and MSME growth. Explore related options like MSME Loan or Machinery Loan.

Apply below or use our EMI Calculator to plan repayments. Contact us at +91-971-769-5334 for personalized assistance.

Benefits of NABARD Refinance Loan

High Loan Amount

Up to ₹20 crore for rural and agri-businesses.

Low Interest Rates

Starting at 6% p.a.

Flexible Tenure

Up to 7 years for repayment.

Trusted Lenders

500+ RBI-compliant banks and NBFCs.

Digital Process

Online application with e-KYC.

Collateral-Free Options

Available under select NABARD schemes.

Eligibility Criteria

Criteria Details
Business Type MSMEs, agricultural businesses, rural enterprises
Business Vintage Minimum 1 year of operation
Turnover ₹10 lakh p.a. (minimum, if applicable)
CIBIL Score 650+ for better terms
Loan Amount ₹5 lakh–₹20 crore
Collateral Collateral-free under select schemes; secured options available

Verify eligibility with our CIBIL login tool or contact info@loanpao.in.

Documents Required

  • Udyam Registration Certificate (for MSMEs)
  • KYC: Aadhaar, PAN of proprietor/partners
  • GST Returns: Last 12 months (if applicable)
  • Income Proof: ITR for 2 years
  • Bank Statements: Last 12 months
  • Project Report for NABARD scheme
  • Business License and Address Proof

How to Apply for NABARD Refinance Loan

Apply with LoanPao in 3 simple steps:

  1. Fill the form below with business and loan details.
  2. Upload KYC, financials, and project report via e-KYC.
  3. Get approval within 5–15 days and funds shortly after.

Start your application or call +91-971-769-5334 for support.

Compare NABARD Refinance Loan Providers

Provider Interest Rate (p.a.) Loan Amount Tenure Processing Fee
NABARD (via SBI) 6%–9% ₹10 lakh–₹20 crore 1–7 years 0.5–1%
Cooperative Banks 7%–10% ₹5 lakh–₹10 crore 1–5 years 0.5–1.5%
NBFCs (NABARD-backed) 8%–12% ₹5 lakh–₹5 crore 1–5 years 1–2%

Note: Rates and terms are indicative as of July 2025. Contact LoanPao for updated offers.

Types of NABARD Refinance Loans

LoanPao facilitates various NABARD Refinance Loan options:

  • Farm Mechanization Loan: For tractors, harvesters, and equipment.
  • Agri-Business Loan: For processing units and supply chains.
  • MSME Refinance: For micro and small enterprise growth.
  • Rural Infrastructure Loan: For warehouses and cold storage.
  • SHG/JLG Loans: For self-help groups and joint liability groups.

Why Choose LoanPao for NABARD Refinance Loan?

Wide Lender Network

Compare offers from 500+ RBI-compliant lenders.

Fast Approvals

Approvals within 5–15 days.

24/7 Support

Contact us at +91-971-769-5334 or info@loanpao.in.

Tips for a Successful NABARD Refinance Loan Application

  • Ensure Udyam registration for MSME-related refinance.
  • Prepare a detailed project report aligned with NABARD schemes.
  • Maintain a CIBIL score of 650+ for better rates.
  • Keep GST and ITR filings updated for verification.
  • Use our EMI Calculator to align EMIs with cash flow.

Frequently Asked Questions

A NABARD Refinance Loan is a facility where NABARD provides funds to banks and NBFCs to lend to agriculture, MSMEs, and rural enterprises.

MSMEs, agricultural businesses, and rural enterprises with Udyam registration or valid business licenses are eligible.

Rates range from 6%–12% p.a., depending on the lender and project type.

Udyam certificate, KYC, GST returns, ITR, bank statements, and a project report are required.

LoanPao ensures approvals within 5–15 days through 500+ lender partners.