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Agriculture loan in Kerala

Welcome to our website dedicated to providing agriculture loan in Kerala.At our company, we believe in providing transparent and fair loan solutions. Our team of experts is dedicated to ensuring that our clients receive the best agriculture loan services in the market. With our deep understanding of the agriculture sector, we are able to provide customized solutions that cater to the unique needs of our clients.

Places we provide Agriculture loan in Kerala :

  • Thiruvananthapuram
  • Kollam
  • Pathanamthitta
  • Kottayam
  • Alappuzha
  • Ernakulam
  • Thrissur
  • Palakkad
  • Malappuram
  • Kozhikode
  • Kannur
  • Kasaragod

Agriculture loans we provide in other cities :

  • Chennai
  • Coimbatore
  • Selam
  • Thiruchi
  • Mangalore

Contact Us Today!!

We understand that the process of obtaining an agriculture loan can be a cumbersome and lengthy process. That is why we have made it our mission to simplify the process and make it as seamless as possible for our clients. Our online loan application process is straightforward and easy to follow, making it convenient for our clients to access loans whenever they need them.

Agriculture loan in Kerala

The range is large and varied, and tailored for all segments of customers from individuals to corporate. Lending to Priority Sectors of the economy is a very important of our advances portfolio.

What are the types of agriculture loan in Kerala

here are some common types of agriculture loans that are typically offered by cfs .

  1. Crop Loan: This type of loan is designed to provide farmers with funds for crop cultivation, including purchase of seeds, fertilizers, pesticides, irrigation equipment, and other expenses related to farming activities.
  2. Farm Equipment Loan: This type of loan is aimed at helping farmers acquire or upgrade farm equipment and machinery, such as tractors, harvesters, ploughs, and other tools used in agricultural operations.
  3. Livestock Loan: This type of loan is specifically for farmers involved in livestock farming, such as dairy farming, poultry farming, or animal husbandry. It provides funds for purchase or maintenance of livestock, construction of livestock shelters, and other related expenses.
  4. Land Purchase Loan: This type of loan is for farmers who wish to purchase land for agriculture purposes. It provides funds to acquire agricultural land for farming, either for expansion or starting a new farm.
  5. Irrigation Loan: This type of loan is aimed at farmers who require funds for setting up or improving irrigation infrastructure on their farms, such as digging wells, installing drip irrigation systems, or constructing ponds.
  6. Agri-business Loan: This type of loan is designed for farmers or agri-entrepreneurs who want to start or expand an agri-business, such as food processing, agri-input supply, or agri-export. It provides funds for setting up infrastructure, purchasing machinery, and other business-related expenses.
  7. Warehouse Receipt Loan: This type of loan is based on the concept of using stored agricultural produce as collateral. Farmers can obtain funds against their stored crops by pledging warehouse receipts, which serve as evidence of ownership and quality of the stored crops.

Agriculture loan in Kerala have several benefits, including:

  1. Access to funds: Farmers can access financing to purchase seed, fertilizer, equipment, and other supplies necessary for their operations.
  2. Improved crop yields: With access to financing, farmers can improve their crop yields by purchasing high-quality seeds, fertilizers, and other inputs.
  3. Increased income: With increased crop yields, farmers can earn higher income, which can help them improve their standard of living.
  4. Job creation: Agriculture loans can help create jobs in rural areas by supporting small and medium-sized agricultural enterprises.
  5. Improved food security: With increased agricultural productivity, food security can be improved, especially in regions that are heavily dependent on agriculture for their livelihoods.
  6. Support for small and marginal farmers: Agriculture loans are often designed to specifically target small and marginal farmers who lack access to traditional financial services.
  7. Boost to local economies: By supporting agriculture, agriculture loans can help boost local economies by creating demand for goods and services, and by increasing farmers’ income.

In India, agribusiness has been set apart as need segment since ranchers comprise a huge piece of the populace. Thus farming area meets all requirements for need part loaning at lower financing costs by banks. In India, the greater part of the business banks, community social orders and provincial banks give agricultural loans to ranchers.




Features of Agricultural Loans

All loans are not created equal, Loans has become a great option for people to use.

Faster Agricultural Loan

Cochin Financial Services helps you to get the agricultural loans faster than any other consultants! Starting from document prepartion, our main motto is to get you the money!

Choose amount

All charges are communicated up front in writing along with the loan quotation, and let us know how much money you want and we set strategy accordingly.

Enjoy the best rates

Our agricultural loan rates and charges are very attractive. We always get you loan for the best interest rates in the market. Its up to us to get you a hassle free agricultural loan.

Decide your tenure

As our agricultural loans rate and charges are very attractive, we help the clients to workout on tenure which never become a burden for them. We works for you.


Agricultural Loan Eligibility

Farmers, Dairy Owners, Horticulturists, and any Orchard owners are eligible to apply for an Agriculture Loan. Most lenders prefer the age of the applicant to be within 24 to 65 years of age. However, there are few banks who offer loans to applicants are 18 years of age. The eligibility differs from one bank to another.

Eligibility Criteria for Loan Against Agricultural Land

  • Farmers, Dairy Owners, Horticulturists, and any Orchard owners are eligible to apply for an Agriculture Loan.
  • Most lenders prefer the age of the applicant to be within 24 to 65 years of age. However, there are few banks who offer loans to applicants are 18 years of age. The eligibility differs from one bank to another.
  • If the land is owned by two people, co-applicant is mandatory.
  • A agricultural land is pledged as a collateral. The borrower should have clear titles to the land to be eligible to apply for a Loan Against Agricultural Land.
  • Usually, lenders prefer borrowers to have residence stability of 2 years. cfs provide agriculture loan in Kochi | Kerala .
  • Most banks offer loans based on the size of the land pledged. They usually mention the minimum acres of land a farmer should have to apply for a loan.



Frequently Ask Questions

If you have a question that deals with clients, customers or the public in general, there is bound to be a need for the FAQ page.


How will your bank decide your Agricultural loan eligibility?

Your bank will assess your repayment capacity while deciding the home loan eligibility. Repayment capacity is based on your monthly disposable / surplus income, (which in turn is based on factors such as total monthly income / surplus less monthly expenses) and other factors like spouse’s income, assets, liabilities, stability of income etc.

The main concern of the bank is to make sure that you comfortably repay the loan on time and ensure end use. The higher the monthly disposable income, higher will be the amount you will be eligible for loan. Typically a bank assumes that about 55-60 % of your monthly disposable / surplus income is available for repayment of loan. However, some banks calculate the income available for EMI payments based on an individual’s gross income and not on his disposable income.

The amount of the loan depends on the tenure of the loan and the rate of interest also as these variables determine your monthly outgo / outflow which in turn depends on your disposable income.

What is an EMI?

You repay the loan in Equated Monthly Installments (EMIs) comprising both principal and interest. Repayment by way of EMI starts from the month following the month in which you take full disbursement.

How does tenure affect cost of agricultural loan?

The longer the tenure of the loan, the lesser will be your monthly EMI outflow. Shorter tenures mean greater EMI burden, but your loan is repaid faster. If you have a short-term cash flow mismatch, your bank may increase the tenure of the loan, and your EMI burden comes down. But longer tenures mean payment of larger interest towards the loan and make it more expensive.

Can you repay your agricultural loan ahead of schedule? Is pre-payment of loan allowed?

Yes, most banks allow you to repay the loan ahead of schedule by making lump sum payments. However, many banks charge early repayment penalties up to 2-3% of the principal amount outstanding. cfs provide best service for agriculture loan in Kochi | Kerala 2023.

Prepayment penalty may vary according to the reasons and source of funds – if you obtain a loan from another bank for pre-payment the charges are usually higher than when you pay from your own sources. However, you may credit more than your EMI amount into your loan account on a periodic basis and bring down your interest burden as and when funds are available with you.

Most banks do not charge a pre-payment penalty if you deposit more than your EMI payable on a periodic basis. Please check such stipulations while availing the loan. cfc is the Top No1business loan in Kerala | Kochi | 2023

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