SBI Agriculture Loan ke bare me complete guide 2025 me : Eligibility, interest rate, documents, loan amount aur apply process
Introduction
India ka agriculture sector desh ki economy me backbone ka kaam karta hai. Farmers ke liye State Bank of India (SBI) agriculture loans provide karta hai jisme low interest rates aur flexible repayment options available hote hain.
Is blog me hum aapko SBI Agriculture Loan ke types, eligibility, required documents, loan amount aur apply process detail me samjhayenge.
SBI Agriculture Loan Kya Hai?
-
SBI agriculture loans farmers ko financial support dete hain taaki wo apni farming activities ko expand kar saken.
-
Loan purpose me crops, farm equipment, irrigation, cold storage, dairy farming, fisheries aur allied activities shamil hain.
-
Ye loan crop cycle ke hisaab se repayment plans ke saath aata hai.
Types of SBI Agriculture Loans
| Loan Type | Loan Purpose | Loan Amount |
|---|---|---|
| Crop Loan | Kheti ke liye seeds, fertilizers, pesticides, irrigation etc. | ₹1 lakh – ₹10 lakh |
| Agriculture Term Loan | Farm mechanization, dairy farming, irrigation systems | ₹2 lakh – ₹50 lakh |
| Dairy & Animal Husbandry Loan | Cattle purchase, shed construction, feed etc. | ₹1 lakh – ₹25 lakh |
| Farm Mechanization Loan | Tractor, power tiller, harvesters purchase | ₹2 lakh – ₹50 lakh |
| Allied Sector Loan | Fisheries, sericulture, horticulture, poultry farming | ₹50,000 – ₹25 lakh |
SBI Agriculture Loan Eligibility
-
Applicant Indian farmer hona chahiye
-
Land ownership proof (Khasra/NOC/land record)
-
Age between 18–70 years
-
Good repayment capacity aur credit history
-
SBI branch ke rules ke anusar additional eligibility
Documents Required
-
Aadhaar Card & PAN Card
-
Land Ownership Proof
-
Kisan Credit Card (agar already existing hai)
-
Income Proof (Agricultural Income proof, bank statement)
-
Passport size photographs
-
Project / Proposal document for large loans
SBI Agriculture Loan Interest Rate (2025)
-
Crop Loan: ~7% p.a. (varies state wise)
-
Agriculture Term Loan: 8% – 12% p.a.
-
Dairy & Animal Husbandry Loan: 8% – 10% p.a.
-
Farm Mechanization Loan: 9% – 11% p.a.
-
Allied Sector Loan: 9% – 12% p.a.
📌 SBI me interest rates government subsidy ke hisaab se kam bhi ho sakte hain.
SBI Agriculture Loan Apply Process
Online Process:
-
SBI official website visit karein: https://sbi.co.in
-
Loan section me “Agriculture Loan” select karein
-
Online form fill karein
-
Required documents upload karein
-
Branch verification ke baad loan sanction hota hai
Offline Process:
Apne nearest SBI branch me visit karein, agriculture loan application form lein aur documents submit karein. Bank aapke loan ke liye eligibility verify karega aur amount sanction karega.
Benefits of SBI Agriculture Loan
-
Low interest rates
-
Flexible repayment schedule
-
Multiple loan options for various agricultural activities
-
Government subsidies & schemes available
-
Pan India branch network for easy accessibility
FAQs – SBI Agriculture Loan
Q1. SBI Agriculture Loan maximum kitna milta hai?
👉 ₹50 lakh tak, purpose ke hisaab se.
Q2. Kya SBI agriculture loan ke liye collateral chahiye?
👉 Chhote crop loans me collateral free option available hai, lekin term loans me collateral required ho sakta hai.
Q3. SBI agriculture loan apply kaise karein?
👉 SBI branch visit karke ya online apply kar sakte hain.
Q4. Loan repayment tenure kitna hota hai?
👉 Crop loans me 12–18 months, term loans me 5–7 years.
Q5. SBI agriculture loan me interest rate kitna hota hai?
👉 7% se 12% ke beech, loan type par depend karta hai.
Conclusion
Agar aap ek farmer hain aur apni farming activities expand karna chahte hain toh SBI Agriculture Loan ek best option hai. Low interest rates, flexible repayment aur government subsidy ke saath aap apna farming dream achieve kar sakte hain.
Related
Mudra Loan in Hindi 2025 – मुद्रा लोन योजना पूरी जानकारी
Bihar Jeevika Didi Yojana 2025: Mahilaon ko ₹10,000 Sahayata
West Bengal Bhabishyat Credit Card 2025 : Benefits & Eligibility
PM Vishwakarma Loan Apply 2025 – Step by Step Guide, Eligibility & Benefits