Empowering Farmers with Easy Loans

Farmers aged between 18 and 65 years who own agricultural land and are actively engaged in farming or allied activities such as dairy, sugarcane or animal husbandry are eligible to apply for the Kisan Credit Card and Agri Term Loans.

We offer Farmer Finance loans under various categories to suit specific requirements. You can find the categories in the next section.

Kisan Credit Card (KCC)/ Crop Loan is a specially designed product catering to crop cultivation and related farming expenses required by farmers.

Type of Facility: You can use our KCC Overdraft facility to meet the cost of cultivation, repairs and maintenance of farm assets, household consumption and other pre and post-harvest expenses. We also offer Crop Loans for meeting the additional costs related to soil reclamation, storage, packaging and other post-harvest expenses.

Term Loans are also offered for meeting investment credit requirements for agriculture and development loans, such as land development, minor irrigation etc.

Product features

Age: 18 - 65 years (Co-applicant is mandatory)

Tenure: 5 years with annual review

Eligibility: Farmers with own land holding involved in crop cultivation is mandatory Land Holding of maximum 4 applicants can be considered

Note: Interest subvention loans up to Rs.3 Lakhs booked in a rural or semi-urban branch will be available at 7% per annum

This loan is provided to meet the short-term credit requirements for rearing of animals

Type of facility: Overdraft – For meeting working capital requirements

Product features

Age: 18 - 65 years (Co-applicant is mandatory)

Tenure: 5 years

Eligibility: Funding shall be based on the scale of finance fixed by the District Level Technical Committee (DLTC) based on the local cost worked out for each animal.

This loan can be given to meet the short-term credit requirements for rearing of fish, shrimp, other aquatic organisms, capture of fish.

Product features

Age: 18 - 65 years (Co-applicant is mandatory)

Tenure: 5 years

Eligibility: Should have a minimum of 3 years of experience in this segment with a fishpond of a minimum of 3 acres

Designed for large farmers who have multiple/ additional sources of income in addition to agricultural income.

This loan can be given to farmers carrying out agricultural and allied activities, having an additional source of income, along with crop income. The purpose of this loan is for seasonal requirements under pre and post-harvest activities, viz, spraying, harvesting, grading and transporting of their own produce.

Product features

Age: 18 - 65 years (Co-applicant is mandatory)

Tenure: 1 year

Eligibility: Eligibility shall be based on the income as per ITR or GST of the applicants and co-applicants (if any)

Farmer Finance supports you using a whole farm approach – support in all aspects of agriculture.
Our agricultural loans meet both your short-term and long-term credit needs.

1. Kisan Credit Card (KCC): Overdraft facility for crop cultivation and farm-related expenses.

2. KCC-Animal Husbandry: Short-term loans for rearing animals, including cattle and poultry.

3. KCC-Fisheries: Loan for fish, shrimp and aquatic organism cultivation.

4. Kisan Samriddhi: Seasonal loans for large farmers with additional income sources.

5. Agriculture Term Loan (ATL): Investment loans for agricultural development, like land and irrigation.

6. Farm Development Loan (FDL): Loans for land development, irrigation and farm infrastructure.

ICICI Bank Kisan Credit Card comes with a host of benefits, some of which are:

1. Minimal documentation: Kisan Credit Card loan processing under the new digital ecosystem has minimal physical documentation requirements from login to disbursement stage.

2. Pradhan Mantri Fasal Bima Yojana: By the Government of India, provides insurance coverage and financial support to farmers due to natural calamities, pests and diseases to crops.

3. RuPay Debit Card and iMobile: Access are issued for digital convenience.

4. Convenient banking: You do not have to compromise with your day-to-day work while banking with us. Experience the new age banking with ICICI Bank through a large network of branches and ATMs with 24x7 Customer Care support.

5. Wide network: ICICI Bank Kisan Credit Card can be used at any bank’s ATM apart from ICICI Bank’s large coverage of 10,000+ ATMs across the country.

6. Card limit: The Kisan Credit Card limit is sanctioned for 5 years with one-time documentation and shall be reviewed every year based on your farming requirements.

The following are the basic requirements to avail a Kisan Credit Card from ICICI Bank:

• The applicant should be in the age group of 18-65 years
• Owns a piece of agricultural land
• Engaged in agricultural or allied agricultural activities

You need to submit the following documents while availing the loan:

• Simplified application form
• KYC documents
• Land documents
• Security Post-Dated Cheque (SPDC)
• Any other document, as per the sanction condition