Learn, Manage, Grow

Loan On Agriculture Land.

Loan Against Agriculture Land

Loan Against Agriculture Land Comes With Cheap Interest Rate

Loan against agricultural land is also called as agri Loan Or crop Loan.

Loan against agricultural land (crop loan) is the cheapest loan available in the market. But, this facility is available only at rural banks.

Below are the some of the points you must consider before applying for loan against agricultural land:

  • Land must be under agricultural category. It should not be under residential, commercial, or SEZ. No matter how much big area it is.
  • The person, under whose name land belongs to as per the land documents, is eligible to take the loan.
  • While applying for loan, one must submit original agriculture land documents.
  • Rate of interest is 3% per annum. Some states in India offer loan with no interest subjected to that, maximum loan amount is less than rupees 1,00,000.
  • You can avail loan in the nearest Grameena banks only. Such as, Deccan grameena bank, Nagarjuna grameena bank, etc.
  • Usually, banks will give maximum of rupees 20,000 per acre. For example, if you have 5 acres of land, you will be eligible to take loan maximum of rupees 1 lakh only.
  • People who own less than or equal to 5 acres of land have more benefits than the rest of the people.
  • Loan amount will be disbursed within 2 working days after you apply.

It’s better to have debt card from the same bank. It will be easy to withdraw loan amount without the need of visiting the bank.

It’s always good if you can take internet banking facility from the same bank. Whenever loan amount gets credited to your account, you can immediately transfer to your other preferred bank if wish to. Otherwise, you need keep on inquiring in the bank to know the status, and you must go to bank to withdraw your loan amount. This is a difficult task if you are not staying in the same village/town.

For more details, please contact your nearest grameena bank.

Responses (30)

  1. Sarbjit
    October 9, 2017 at 1:21 pm · Reply

    Sir my brother lives in pujab I just find out from land fard that sombody stolen his papers for land which 2.5 acer and taken 40 lakes loan from ilahabad bank this taken out in2013 my brother Totley uneducated and no iq very slow I don’t know what to do please help me my telephone 0044 7766524562 andemail

    • Pradeep Daram
      October 26, 2017 at 6:45 am · Reply

      I m sorry, I don’t have any clue on civil law issues

  2. Mahesh
    July 12, 2017 at 12:59 am · Reply

    Upto what amount we can avail crop Loan without mortgage??

  3. venkatesh
    June 21, 2017 at 11:03 am · Reply

    HI i have own land in kunigal taluk 1.24 how we can apply the loan and which bank

  4. Srikanth
    April 5, 2017 at 1:00 pm · Reply

    Is it not possible to get the loan after I done my land mortgage..I go through your replys u said only mortgage is gold.. is it not possible for agriculture land?

  5. Sanjay
    February 23, 2017 at 6:17 am · Reply

    I have a agrecachar land for Mandana village Bhiwani value of land 3 cr I need 50 lac my latest itr is 8 lac rs.. My no is
    08527703101 w8t for replay Asap.

  6. Yehejkal kumar
    January 30, 2017 at 1:47 pm · Reply

    Sir I have 3 acres in nandhigam near shadhnagar . I need Lone up to 3 lakhs against my land papers so kindly sajest me to how to apply the lone the bank manager said that we will not get the lone on land papers

    • Pradeep Daram
      February 14, 2017 at 9:37 am · Reply

      Yeh. If it is agriculture land, you can get maximum of 20,000 per acre as part of crop loan against your agriculture land. Otherwise, you can mortgage the gold to get the loan with cheaper interest rate.

  7. Chetan Haria
    January 30, 2017 at 1:13 pm · Reply

    i have agriculture land @ Gujarat and am staying in Maharashtra. i do not have any residence of my own in Gujarat. How can i get loan on land… plz advice.

    • Pradeep Daram
      February 14, 2017 at 9:39 am · Reply

      Its very difficult. The option you have as per my knowledge is, you can mortgage the gold against your agriculture land to get the loan with cheaper interest rate.

  8. Vijay
    January 25, 2017 at 2:32 pm · Reply

    I want 20 lacks loan from banks.i hv 8 acres land…it is possible to get loan..?

    • Pradeep Daram
      January 29, 2017 at 4:17 pm · Reply

      No. Not possible to get that much amount of loan on your agriculture land unless you go with proper project plan.

  9. sathishkumar
    January 22, 2017 at 1:51 am · Reply

    sir ! iam from pondicherry i hve 5 acres of agri land i want to get loan with agri document !

    • Pradeep Daram
      January 29, 2017 at 4:18 pm · Reply

      Yes. Please visit the local grameena bank where your agriculture land is there.

  10. Srinivasa murthy
    January 16, 2017 at 12:23 am · Reply

    My land in 95 km from Bangalore but I residence in Bangalore. I need crop loan I have 3 acre land . my problem is bank ask local address proof pls help me

    • Pradeep Daram
      January 16, 2017 at 9:35 am · Reply

      You can try with rental agreement. It may or may not work. But, most of the times, it does.

  11. hrudananda das
    January 8, 2017 at 3:26 pm · Reply

    sir i am from odisha i have 8 acer land i want to take a loan .plzz tell me the process

    • Pradeep Daram
      January 14, 2017 at 9:01 am · Reply

      You can only take the loan from the grameena bank of your land’s location. You just need to have your land’s passbook xerox copies and adhaar card copy. In case of crop loan, you may need to submit the original documents itself.

  12. vijay pratap singh
    January 2, 2017 at 9:41 am · Reply

    I wanted to buy an agriculture land and i have all the documents of seller. How much loan i can have from bank at what will be the interest rate? I am a tax payee and have good CIBIL count. Does it help me to get the loan? Please suggest.

    • Pradeep Daram
      January 3, 2017 at 2:24 pm · Reply

      You will not get loan to buy Agriculture land. Maximum you can do is, you can create a business case kind of thing on what you wanted to do. If you can present it well, you may get loan on agriculture land form NABARD.

  13. rohit chauhan
    December 23, 2016 at 5:41 am · Reply

    sir meri agriculture land west u.p garhmukteswer m h village dehra rampur m 5 acre h mujhe usper jada se jada kitne ka loan mil skta h …plzz suggest.

    • Pradeep Daram
      December 23, 2016 at 9:53 am · Reply

      I am sorry, I don’t have any clue on how loans on agricultural land will be done in your state/area/locality. I think for this, the best advice can be given to you by your near by local grameena banks only.

  14. Chaman
    October 10, 2016 at 11:30 am · Reply


    I need loan against the agriculture (More than 7lacs) In Aligarh Uttar Pradesh. But the land is 50kms away from my home location.. I visited the local bank (near My Land) but they are asking for local ID proof even the land is in same district (Aligarh). And i also visited the nearest bank of my home location they told me that bank would provide the loan in 20kms radius only.. Please suggest

    • Pradeep Daram
      December 11, 2016 at 3:56 pm · Reply

      You can show your adhaar number to get the loan from Aligarh since your land is near to that bank.

  15. Imran
    September 14, 2016 at 11:32 am · Reply

    Dear sir I have already 1 lack loan take in pragathi gramin bank I have 10 ‘acre of agriculture land and I want additional 1 lack loan
    so it’s possible

    • Pradeep Daram
      September 26, 2016 at 5:08 pm · Reply

      It actually depends on state to state. I am not sure from which state you are from. Usually crop loans will be given approximate 20k per acre. I advise you to contact your bank manager for full details to get more loan against your agriculture land.

  16. sudhir
    July 15, 2016 at 5:47 am · Reply

    I need loan against agricultural land I want 4 lac

    • Pradeep Daram
      July 19, 2016 at 5:22 am · Reply

      Please contact your local grameena bank to get loan against your agriculture land

  17. Samit
    June 2, 2016 at 8:43 pm · Reply

    Requirement of 5 lakh to 25 lakh

    • Pradeep Daram
      June 29, 2016 at 9:55 am · Reply

      Loan on agriculture land depends on how much land you own.

Leave a reply

Your email address will not be published. Required fields are marked *

Back to Top