Agriculture Advances
Specialized credit facilities for farmers and agri-entrepreneurs effective from 17-01-2026.
KCC Star Rate
7.00%
Upto ₹3.00 Lac Limit
Agri Gold
9.50%
PGB Swarnim Scheme
Agri Infra
9.00%
AIF Scheme (Flat Rate)
Kisan Credit Card (KCC) & Production Credit
| Scheme / Loan Limit | Rate(s) of Interest |
|---|---|
KCC / Crop Loan (Upto ₹3.00 Lac) Subsidized Rate | 7.00% |
KCC (Animal Husbandry/Fishery) Upto ₹2.00L | 7.00% |
Potato Seed Growers (Upto ₹3.00 Lac) | 7.00% |
Agri Loans (Above ₹3.00L - ₹20.00L) | 11.00% |
Agri Loans (Above ₹20.00 Lac) | 11.25% |
Investment & Tractor Loans
| Scheme / Loan Limit | Rate(s) of Interest |
|---|---|
PGB Swarnim (Agri Gold Loan) | 9.50% |
Agri Infrastructure Fund (AIF) | 9.00% |
Tractor Loans (Upto ₹20.00 Lac) | 11.50% |
Combo Scheme (Investment Credit) | 10.75% |
Rural Godowns (Upto ₹20.00 Lac) | 10.50% |
Agri Term Loans & Allied Matrix
| Scheme / Loan Limit | Rate(s) of Interest |
|---|---|
Upto ₹50,000/- TL / WC | 12.00% / 12.00% |
Above ₹50k to ₹2.00 Lac TL / WC | 11.00% / 11.50% |
Above ₹2.00 Lacto ₹5.00 Lac TL / WC | 11.00% / 11.50% |
Above ₹5.00 Lac to ₹20.00 Lac TL / WC | 11.00% / 11.50% |
Above ₹20.00 Lac TL / WC | 11.50% / 11.75% |
Agro-Processing (Risk Rating Based > ₹20L)
| Scheme / Loan Limit | Rate(s) of Interest |
|---|---|
Rating A1 (Score >80) TL / CC | 8.95% / 9.20% |
Rating A2 (Score 71-80) TL / CC | 9.00% / 9.25% |
Rating B1 (Score 51-58) TL / CC | 10.50% / 10.75% |
Interest Subvention & Risk Disclosure
The 7% KCC rate is subject to Govt. of India interest subvention guidelines for prompt repaying farmers. For high-value agro-processing units above ₹20 Lakh, the ROI is linked to the Internal PGB Farm Score.