KBL Instant Agri Credit

An instant loan designed to cater to the diverse needs of the agricultural sector. Whether you are an individual farmer or involved in a cooperative society, this scheme is tailored for you. Offering a maximum period of 24 months and a loan limit up to 90% of your deposit value, it provides a secure, efficient way to finance your agricultural expenses, from crop cultivation to allied activities development. Read more

Why this loan is for you

Supporting your agricultural needs with easy solutions

Access funds up to 90% of the deposit value with an overdraft or fixed loan

Quick and efficient loan processing for immediate agricultural needs

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

Down payment amount

10% down payment of loan amount is required.

Loan repayment

We offer flexible repayment terms that adjust to your cash flow, making it easier to manage repayments within the two-year period.

Grace period

We may offer grace periods, considering the nature and cycle of the agricultural activity, providing farmers with a cushion during non-harvest periods.
 

Loan amount


We finance up to 90% of the value of your term deposit. Our loan is specifically designed to cater to diverse agricultural requirements, ensuring that various farming and related financial needs are adequately met.
 

Flexible interest and tenure

We offer interest rates aligned with EBLR for affordability and adaptable tenures up to 24 months, allowing you to tailor the repayments to fit with your cash flow.

Pledge of term deposit


Pledge of the borrower's own term deposit to ensure security and lower risk for you and us.
 

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

  • No spam calls
  • Dedicated KBL experts
  • Set up a call on your time

Eligibility criteria

  • Personal farmers and agriculturists
  • Agricultural corporations and large-scale farming businesses
  • Farming ventures operating as partnerships
  • Agricultural societies and associations
  • Self help groups and joint liability groups

Documents required

  • Scanned or soft copy of KYC documents
  • RTC or any agricultural land proof
  • Deposit receipt

As easy as 1,2,3...

Apply for a KBL Instant Agri Credit 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

smiling girl

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  • Up to 12 months loan tenure

KBL Agro Processing Loan

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  • Interest rate starting at 11.3% p.a.
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Got questions? We’ve got answers.

Who is eligible for KBL Instant Agri Credit?

Eligibility extends to individual or joint farmers, tenant farmers, and farming groups, provided they have the necessary farming documentation and valid identity proofs.

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.

Choose from an overdraft facility for immediate needs or a term loan for larger, long-term agricultural investments, aligned with your farming operations.

Security requirement is limited to the hypothecation of crops, meaning the pledged crops serve as collateral for loans up to ₹1.6 lakh. In addition to crop hypothecation, collateral can include agricultural land or other forms of security acceptable to the bank.












The scheme offers a flexible repayment period of up to five years, with schedules that can be tailored to your harvesting and income cycles.

There is no down payment for the overdraft option. For term loans, a down payment of 10% to 25% is required, depending on the nature of your investment.

If repayment challenges arise, we encourage prompt communication with us to explore feasible solutions and maintain financial integrity.

We prioritize expedient loan processing, understanding the importance of timely financial support for your business aspirations.

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.

Instant funds with KBL Instant Agri Credit

Unlock the potential of your farm with KBL Instant Agri Credit. Our tailored agri loans are designed to provide instant financial support to the agricultural sector, facilitating immediate agri finance. Whether it's a loan for agriculture needs or a farm business loan, our streamlined application process ensures that you receive the funds you need without delay.
 

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.