Helping millions of Indian farmers benefit from our schemes.

Bank of Baroda, for rural India, with rural India.

Horticulture Loan Scheme

  • Benefits
  • Features
  • Eligibility Criteria
  • Document Required
  • Fees & Charges
  • Most Important Terms & Conditions (MITC)

Horticulture Loan Scheme : Benefits

  • Margin Nil for short term loan upto Rs 100000/-
  • Attractive Interest Charges
  • Nil Processing Charges for aggregate loan upto Rs 3.00 Lakhs
  • Nil Inspection Charges for aggregate loan upto Rs 3.00 Lakhs
  • Provision for availing subsidy from National Horticulture Board (NHB) under “Development of commercial Horticulture through Production and Post-Harvest Management”
  • Farmers, permanent Tenant, lease holder, SHGs, JLGs, Proprietorship, Partnership, LLP concerns, Private, Public Ltd. Companies are eligible to avail the loan.

Horticulture Loan Scheme : Features

For establishing new orchards or for maintenance of existing orchards, gardens, plantations and nurseries. All capital costs for development of orchards, gardens, plantations (including purchase and installation of machinery, construction of processing houses etc.) and maintenance costs (such as cost of plants, seedlings, grafts, fertilizers, insecticides, pesticides etc., wages and salaries of permanent employees such as supervisors, Malies etc. are financed under the scheme.

Horticulture Loan Scheme : Eligibility Criteria

All persons engaged in raising fruit gardens, plantations and nursery crops as owners of land or as permanent tenants or as lease-holders (for a reasonably long period)

Horticulture Loan Scheme : Document Required

  • KYC Documents (AADHAR, Voter ID, PAN Card, Driving License etc.)
  • Passport Size photo
  • Land Record
  • Quotation/Invoice (if available)
  • Project Report (if available) IT Returns (if available)

Horticulture Loan Scheme : Fees & Charges

Processing charges:

  • Waived upto Aggregate Agriculture exposure upto Rs. 3.00 Lakhs
  • Above Rs 3 Lakhs - DL/TL 1 % of the limit sanctioned with a maximum of Rs 100 lacs.

Inspection Charges:

  • Agriculture exposure upto Rs. 3.00 Lakhs- Nil
  • Above Rs 3 lakhs to Rs 10 Lakhs - Rs 250
  • Above Rs 10 Lakhs to Rs 1 Crore - Rs 1000
  • Above Rs 1 Crore - Rs 5000

Horticulture Loan Scheme : Most Important Terms & Conditions (MITC)

Nature of Facility Term Loan (for capital expenditure)
Cash credit (for working capital)
Margin Norms
Category Category Margin Required
Crops Loans/Short Term Loans
(a) Loan limit up to Rs. 100,000/-
(b) Above Rs. 100,000/- 15%
b. Term Loans
  • Loan limit up to Rs. 100,000/-
  • Loan limit above Rs. 100,000
Tractor and heavy agri. Machinery Other loans
*10% or as specified in the special schemes
Repayment Period
  • Term Loan: Maximum period of repayment 5 to 7 years excluding moratorium period
  • Cash Credit: 12 months subject to annual review
Security Norms
Upto Rs. 1,60,000/- - D.P. Note
- Hypo. of crops
Above Rs.1,60,000 - D.P. Note
- Hypo. of crops
- Mortgage of land or third party guarantee etc.
Interest Rate
Limit upto Rs.3.00 Lakhs
Other than Crop Loan: One year MCLR+ SP
Limit above Rs.3 Lakhs and less than Rs.25 Lakhs One year MCLR+ SP+1.25%
Limit Rs.25 Lakhs and above
For CC/OD & DL of Loan period less than -3- years One year MCLR+ SP+2.00%
For Loan period -3- years and above
3 years & above and upto 5 years One year MCLR+ SP+2.10%
Above 5 years and up to 7 years. One-vear MCLR+ SP+2.15%
Request Callback

Please fill in these details, so we can call you back and assist you.

Select Loans and Advances Type
  • Advances to Food Agro Based Units Under Agriculture
  • Financing Agriclinics & Agribusiness Centres by Agriculture Graduates
  • Baroda Animal Husbandry and Fisheries Kisan Credit Card (BAHFKCC) Scheme
  • Baroda Kisan Credit Card (BKCC)
  • Baroda Kisan Tatkal Loan Scheme
  • Cultivation of Crops (Excluding Plantation and Horticultural Crops)
  • Warehouse Receipt Financing
  • Financing Agencies Providing Custom Services To Farmers
  • Financing Construction of Farm Buildings Structures
  • Financing Development of Dairy, Poultry, Fishery, etc.
  • Financing Four Wheeler Loans to Farmer
  • Financing Irrigation
  • Joint Liability Group Loan
  • Financing Protected Cultivation Projects
  • Financing Tractors and Heavy Agriculture Machinery
  • Financing Under Self Help Groups (SHGs)
  • Financing Installation of Gobar Gas/Bio-gas Plants
  • Financing Solar Home Lighting Scheme
  • Lending to Agriculture Other Priority Sectors demand loan for financing against
  • Loan/Overdraft Against Bank’s Own Deposit (Labod/Odbod)
  • Loan for Installation of Solar Photovoltaic Pump Sets
  • Tractor Loans
  • Overdraft Scheme for Working Capital Assistance to the Food Agro Processing Unit
  • Planters Card Scheme
  • Purchase of Estates/Orchards Growing Traditional Plantation Crops
  • Scheme for Financing Farmer Producer Companies / Organizations (FPCs / FPOs)
  • Scheme for Financing Farm Development Activities
  • Scheme for Financing Mini Dairy Units
  • Scheme for Financing Pradhan Mantri Matsya Sampada Yojana (PMMSY)
  • Animal Husbandry Infrastructure Development fund (AHIDF)
  • Scheme for Financing under Agriculture Infrastructure Fund
  • Shahari Bagwani Yojana
  • Loans for Solis/Godowns for Storage of Agriculture Produce
  • Horticulture Loan Scheme
  • Scheme for Financing Compressed Biogas (CBG)
  • Financing under PM Formalization of Micro Food Processing Scheme
  • Two Wheelers (Motorcycle/Scooter) Loan to Farmer
  • Credit Facility for Food and Agro Business with Warehouse/Storage Receipts Loans

Thank you [Name] for showing interest in Bank of Baroda. Your details has been recorded and our executive will contact you soon.

Add this website to home screen

Are you Bank of Baroda Customer?

This is to inform you that by clicking on continue, you will be leaving our website and entering the website/Microsite operated by Insurance tie up partner. This link is provided on our Bank’s website for customer convenience and Bank of Baroda does not own or control of this website, and is not responsible for its contents. The Website/Microsite is fully owned & Maintained by Insurance tie up partner.

The use of any of the Insurance’s tie up partners website is subject to the terms of use and other terms and guidelines, if any, contained within tie up partners website.

Proceed to the website

Thank you for visiting

We use cookies (and similar tools) to enhance your experience on our website. To learn more on our cookie policy, Privacy Policy and Terms & Conditions please click here. By continuing to browse this website, you consent to our use of cookies and agree to the Privacy Policy and Terms & Conditions.