KBL Agri Gold Loan

We offer a simple, secured and tailored loan for your short-term agricultural needs. It allows you to borrow up to ₹2.5 crore using your gold assets such as ornaments or specially minted coins as collateral, making it a perfect blend of security and flexibility It's designed for those who need quick funding for their farming activities, leveraging the value of gold for immediate agricultural operations. This is a swift, reliable financial solution that combines the solidity of gold with the flexibility of a short-term loan. Read more

Why this loan is for you

Supporting your agricultural needs with easy solutions

Convenient yearly interest payments aligning with farming cycles

Quick and efficient loan processing for immediate agricultural needs

Backed by KBL's legacy and a secure borrowing experience with term deposit pledge

No down payment

No down payment required

Loan repayment

We offer flexible repayment terms that adjust to your cash flow on a case-by-case basis.

Interest rates

The interest on the loan is payable yearly, which helps in managing your financial load more effectively throughout the year.

Loan amount

We finance up to ₹2.5 crore to support various operational expenses in agriculture and many allied activities.

Primary security

Crops or assets are hypothecated as primary security for this loan.

Gold collateral

We accept gold ornaments or specially minted gold coins sold by banks(up to 50 grams per borrower) as collateral, offering a secure base for the loan.

Make matters simple and straightforward

A smart calculator for smart spending and savings

Emi Calculator

Loan amount
25000 1000000
Rate of interest
2% 18%
Loan tenure
1 Months 60 Months

You will pay

₹13,800/Months

Not sure which product is for you?

Let’s find the best fit together

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  • Dedicated KBL experts
  • Set up a call on your time

Eligibility criteria

Individuals
  • Individuals or joint borrowers actively engaged in agriculture and allied activities
  • Must own gold ornaments or specially minted gold coins weighing up to 50 grams sold by banks
  • Valid documents proving identity and address
  • Good financial history with no defaults
  • Hindu Undivided Families or corporations involved in agriculture
  • Must be in possession of gold for collateral
  • Good financial standing
  • Valid identification and proofs of legitimate agricultural entity

Documents required

  • Scanned or soft copy of KYC documents
  • RTC, Patta book, Pahani or any agricultural land proof

As easy as 1,2,3...

Apply for a Kisan Agri Gold Loan in 3 simple steps

Step 1

Visit your nearest branch

Go to your nearest Karnataka Bank branch

Step 2

Start with your basic details

Provide your basic details and keep your documents handy

Step 3

We’ll take care of the rest

Our branch officials will notify you when your loan is sanctioned

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Got questions? We’ve got answers

Who is eligible for KBL Agri Gold Loan?

Eligibility includes individuals, HUFs, and Corporates involved in agriculture or allied activities. To qualify, you should be engaged in farming or related activities and possess gold assets for collateral.

Visit our nearest branch with your agricultural documents. Our team is ready to assist you through the application process, ensuring clarity and efficiency. You can also apply online through our website for quick processing.

You can borrow up to ₹2.5 crore, providing substantial support for your agricultural projects or emergencies.

We accept both gold ornaments and specially minted gold coins, limited to 50 grams per borrower. This provides a secure basis for your loan.

Interest is paid annually, offering you the ease of yearly payments. The principal repayment plan is flexible and can be discussed to align with your financial cycle.

There is no down payment required for this loan, making it easier for you to meet your agricultural financing.

We understand the uncertainties in agriculture. If you face repayment difficulties, please reach out to us for possible solutions or restructuring options.

Allied activities include sectors like dairy farming, poultry, beekeeping, and more. Essentially, activities related to but not directly involving crop cultivation

The gold pledged as collateral is securely stored with the bank. Rest assured, your assets are safely kept until the loan is fully repaid.

Prepayment is an option available to you, potentially reducing your interest obligations. We advise discussing this with us to understanding terms and conditions of the loan.

Leveraging gold for agricultural purposes


The KBL Agri Gold Loan is designed for farmers who wish to use their gold assets to finance agricultural activities. With an attractive agriculture gold loan interest rate, this scheme makes it easier for farmers to get the funds they need with the security of gold backing.


Interest rates on agri-business loans are typically structured to support the agricultural community, often being more favorable than standard commercial loans. Understanding these rates is crucial when you start your application process, as they directly affect repayment terms and the overall cost of the loan.


Do ensure you have a clear plan for the utilization and repayment of the loan. Keep all necessary documents ready to streamline the online application process. Don't overlook government subsidies or special programs that may be available for agri-business loans. Regularly monitor and manage your loan to maintain financial health.