रूरल लोन

Choosing the right Rural Bank Loan depends on your purpose, repayment capacity and the type of farming activity you plan to undertake.

Eligibility varies by loan type, but in general, you should:

• Be engaged in farming or allied activities.

• Be within the eligible age bracket.

• Have land ownership documents or lease agreements. 

• Provide basic KYC documents.

• For equipment or high-value loans, credit history and income proof may be required.

Rural Loans can be linked to government schemes such as Kisan Credit Card (KCC) that provides working capital for crop production with subsidised interest rates, interest subvention schemes to reduce the effective interest rate for timely repayment. You can get in touch with your Relationship Manager who can help you check your eligibility for such schemes.

• Allied Activity Loan: This type of loan is designed for financing non-crop activities such as dairy farming, poultry rearing, beekeeping or fisheries. It is usually offered as a standalone loan for a specific purpose.

• Agri Allied Financing Program: This is a broader financing solution that covers a wide range of allied activities under a structured program, which may also integrate working capital, infrastructure development and machinery purchase for allied sectors.

To safeguard farmers against unforeseen events, HDFC Bank offers various insurance coverage options.