Know everything about Loan Against Agricultural Land – eligibility, interest rates, documents & application process. Get instant funding using your farm land as collateral.
Introduction
Aaj ke time me kai farmers aur landowners ko farming ke alawa apne personal ya business needs ke liye loan ki requirement hoti hai. Agar aapke paas kheti ki zameen hai, toh aap easily loan against agricultural land le sakte ho. Iska matlab hai ki aap apni zameen ko collateral (girvi) rakhkar bank/NBFC se loan lete ho.
Ye loan aapko farming ke sath-saath education, marriage, business expansion ya medical emergency ke liye bhi use karne ki flexibility deta hai.
What is Loan Against Agricultural Land?
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Definition: Ye ek secured loan hota hai jo banks/financial institutions provide karte hain agricultural land owners ko.
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Aapko apni agricultural land ki registry / ownership proof girvi rakhni hoti hai.
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Loan amount land ki market value aur eligibility criteria par depend karta hai.
Features of Loan Against Agricultural Land
✅ Loan amount: ₹50,000 se ₹5 Crore tak (land value ke basis par)
✅ Loan tenure: 3 years se 15 years tak
✅ Low interest rate compared to personal loan (starting from 9% onwards)
✅ End-use flexibility – farming, education, marriage, business etc.
✅ Easy EMI repayment option
✅ High loan-to-value (LTV) ratio – up to 60–70% of land value
Eligibility Criteria
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Applicant age: 21 to 65 years
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Applicant ke paas agricultural land ka clear title hona chahiye
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Stable income source (farming/business/salary)
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Good CIBIL score preferred (650+)
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Co-applicant allowed (family members with land ownership)
Documents Required
Loan apply karne ke liye aapko ye documents dene honge:
📌 Identity Proof – Aadhaar Card, PAN, Voter ID
📌 Address Proof – Utility Bill, Ration Card
📌 Land Ownership Proof – Registry papers, Khasra-Khatauni, Jamabandi copy
📌 Income Proof – ITR, salary slips, bank statement (agar farming ke alawa aur income hai)
📌 Passport-size photographs
Loan Against Agricultural Land Interest Rates
| Bank / NBFC | Interest Rate (Approx.) | Loan Tenure | LTV % (Loan-to-Value) |
|---|---|---|---|
| SBI (State Bank) | 9% – 11% | Up to 15 yrs | Up to 70% |
| HDFC Bank | 10% – 12% | Up to 12 yrs | Up to 65% |
| ICICI Bank | 10.5% – 13% | Up to 10 yrs | Up to 65% |
| NBFCs (Muthoot, Bajaj) | 11% – 15% | Flexible | Up to 60% |
👉 Note: Interest rates vary based on applicant profile, land valuation & bank policy.
How to Apply for Loan Against Agricultural Land?
Step-by-Step Process
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Bank/NBFC select karein – jo loan scheme aapki requirement ko suit kare.
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Application form fill karein – online ya offline.
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Required documents submit karein – land papers + KYC.
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Land valuation & verification hoti hai – bank field officer check karta hai.
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Loan approval & sanction – 7–15 din me approval mil jata hai.
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Loan disbursal – amount directly aapke account me credit ho jata hai.
Advantages of Loan Against Agricultural Land
🌾 Large loan amount milta hai (depending on land value)
🌾 Lower interest rates compared to unsecured loans
🌾 Flexible repayment
🌾 End-use restriction kam hoti hai
🌾 Ownership aapke paas hi rehta hai (agar EMI time pe pay karte ho)
Risks Involved
⚠️ Agar EMI time se nahi bharte ho toh bank aapki land ko auction kar sakta hai.
⚠️ Processing time kabhi-kabhi zyada lag sakta hai due to land verification.
⚠️ Co-owners ka NOC mandatory hota hai.
FAQs – People Also Ask
❓ Loan against agricultural land maximum kitna milta hai?
👉 Aapko land ki market value ka 60–70% tak loan milta hai.
❓ Kya farmers ke alawa others bhi ye loan le sakte hain?
👉 Haan, agar aapke naam par agricultural land registered hai toh aap eligible ho.
❓ Kya is loan ka use non-farming purposes ke liye kar sakte hain?
👉 Haan, kai banks allow karte hain ki loan ka use education, marriage, business ke liye bhi ho.
❓ Loan disbursement kitne time me hota hai?
👉 Normally 7–15 working days ke andar.
Conclusion
Agar aapke paas agricultural land hai aur aapko emergency ya growth ke liye bada fund chahiye, toh Loan Against Agricultural Land ek safe aur reliable option hai. Ye loan aapko low interest rate, flexible tenure aur higher loan amount provide karta hai.
👉 Apni requirement ke hisaab se sahi bank/NBFC choose karke aaj hi apply karein aur apni land value ko ek financial asset banayein.
Related
Federal Bank Loan Guide 2025 – Personal Loan (BYOM)
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