Overview
Farmers and agri businesses borrow through crop loans, Kisan Credit Cards, warehouse-receipt loans and infrastructure loans; NABARD refinances rural banks and supports FPOs.
How It Works in Practice
Banks are required to lend a share of their credit to agriculture under priority-sector rules. Kisan Credit Cards give farmers a revolving credit line for crop costs, and crop insurance under the PM Fasal Bima Yojana protects against yield losses.
Rules and Support
Interest subvention makes short-term crop loans cheaper, and the Agriculture Infrastructure Fund offers interest relief on loans for warehouses, cold stores and processing.
What It Means for Farmers and Traders
For agri businesses, working-capital loans against warehouse receipts, invoice finance for FPOs, and term loans under the Agriculture Infrastructure Fund are the main tools, with non-bank lenders and agri-tech platforms filling gaps.
Companies, Bodies and Schemes
- NABARDNational Bank for Agriculture and Rural DevelopmentAboutExplore
- Kisan Credit CardCrop loansAboutExplore
- Samunnati Financial Intermediation & Services Pvt LtdChennai · agri value-chain financeAboutExplore
- Arya.ag (Arya Collateral Warehousing Services Pvt Ltd)Warehouse-receipt financeAboutExplore
- State Bank of India — Agri BusinessMumbai · Largest agricultural lender; Kisan Credit CardsAboutExplore
- HDFC Bank — Rural BankingMumbai · Farm credit and e-NWR lendingAboutExplore
- ICICI Bank — Rural and AgriMumbai · Tractor, dairy and post-harvest creditAboutExplore
- Punjab National Bank — Agri BankingNew Delhi · Farm credit in the northern beltAboutExplore
- Nabkisan Finance LtdBengaluru · NABARD subsidiary lending to FPOsAboutExplore
- Origo CommoditiesGurugram · Commodity-backed finance and collateral managementAboutExplore
- National Co-operative Development Corporation (NCDC)New Delhi · Finance for co-operative cold stores and millsAboutExplore
- Kerala Bank (Kerala State Co-operative Bank)Thiruvananthapuram · Plantation and farm creditAboutExplore
- Maharashtra State Co-operative BankMumbai · Finance for co-operative sugar factories and PACSAboutExplore
- Agriculture Insurance Company of India (AIC)New Delhi · Crop insurance under PMFBYAboutExplore
- HDFC ERGO General InsuranceMumbai · PMFBY crop insuranceAboutExplore
- Bajaj Allianz General InsurancePune · Crop insuranceAboutExplore
- SBI General InsuranceMumbai · Crop and livestock insuranceAboutExplore
Related: All inputs, services and schemes · All crops
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