ग्रामीण भारत को बैंकिंग की मुख्यधारा से जोड़ना


तत्काल बैंकिंग समाधान के साथ किसानों को सशक्त बनाना

कॉलबैक अनुरोध

कृपया यह विवरण भरें, ताकि हम आपको वापस कॉल कर सकें और आपकी सहायता कर सकें.

चयन करें Rural and Agri Type
  • ऋण और अग्रिम
  • बड़ौदा किसान
  • वित्तीय समावेशन
  • कृषि ईएमआई कैलकुलेटर
  • कृषि ऋण पात्रता कैलकुलेटर
  • Others

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अक्सर पूछे जाने वाले प्रश्न

  • कृषि ऋण सुविधा का लाभ कौन उठा सकता है ?

    विभिन्न कृषि ऋण योजनाओं के अंतर्गत निम्नलिखित संस्थाएं ऋण प्राप्त कर सकती हैं : 

    • किसान, स्वयं सहायता समूह (एसएचजी) या संयुक्त देयता समूह (जेएलजी) सहित व्यक्ति  
    • भूमिहीन खेतिहर मजदूर, काश्तकार किसान, मौखिक पट्टेदार और बटाईदार जिनकी जोत का हिस्सा लघु और सीमांत किसानों के लिए निर्धारित सीमा के अंदर है  
    • स्‍वामित्‍व फर्म, साझेदारी फर्म और सहकारी समि‍तियां  
    • कॉर्पोरेट किसान, स्टार्टअप, कृषि उत्पादक संगठन / कंपनियां (एफपीओ) / (एफपीसी), वैयक्तिक किसानों की कंपनियां  
  • मैं कृषि के अंतर्गत कौन सी गतिविधि / प्रयोजन के लिए ऋण प्राप्त कर सकता/सकती हूँ ?
    • बैंक ऑफ बड़ौदा बीजारोपण से विपणन तक आपकी सभी कृषि संबंधी आवश्‍यकताओं को पूरा करने के लिए कृषि ऋणों की विस्तृत श्रृंखला ऑफर करता है
    • बैंक ऑफ बड़ौदा की विभिन्न कृषि ऋण योजनाओं के संबंध में अधिक जानकारी के लिए यूआरएल को देखें : https://www.bankofbaroda.in/hi-in/business-banking/rural-and-agri/loans-and-advances
  • कृषि ऋण के लिए पात्रता मानदंड क्या है ?
    • विभिन्न कृषि योजनाओं के अंतर्गत ऋण प्राप्त करने के लिए पात्रता मानदंड कई कारकों पर निर्भर है, जैसे कि स्थान, उत्पादित फसल / संबंधित गतिविधि, सिंचाई का स्रोत, ऋण का प्रयोजन, भूमि का मूल्य, क्रेडिट इतिहास, तकनीकी-आर्थिक व्यवहार्यता आदि.
    • विशिष्ट कृषि ऋण के संबंध में अधिक जानकारी के लिए स्थानीय शाखा से संपर्क करें
  • ऋण सुविधा प्राप्त करने के लिए आयु मानदंड क्या है ?
    • कृषि ऋण प्राप्त करने के लिए न्यूनतम आयु मानदंड सुविधा इसे प्राप्त करने की तारीख को 18 वर्ष और अधिकतम 70 वर्ष तक है. यदि भूमि धारक की आयु 70 वर्ष से अधिक है, तो ऐसे मामले में विधिक वारिस को सह-उधारकर्ता बनाया जायगा.
  • क्या ऋण लेने के लिए सह-आवेदक और/या गारंटीकर्ता का होना अनिवार्य है ?
    • कृषि ऋण प्राप्‍त करने के लिए सह-आवेदक और/या गारंटीकर्ता अनिवार्य नहीं है. तथापि आय की संगणना, प्रतिभूति की उपलब्धता, उधारकर्ता की आयु आदि की संगणना के लिए सह-आवेदक और/या गारंटकर्ता की आवश्यकता हो सकती है.
  • What are the applicable Rate of Interest for Agri Loans ?
    • Rate of Interest in Agriculture loans are charged as per the RBI/Bank’s guidelines which are revised time to time. To know more about the current applicable Rate of Interest in Agri Loans Click here
  • What are the other charges applicable for availing a Agri Loans from BOB ?
    • Other charges include processing, documentation, post-sanction inspection charges applicable for availing Agri loans will be as per the Bank‘s extant guidelines. However, there is no processing charges for aggregate exposure under agricultural finance up to Rs. 3 lakhs. To know more Click here
  • What is the available loan tenure for Agri Loans ?
    • The loan tenure depends on the type of activity for which the loan is availed. The loan tenure in Agri Loans ranges from 12 months to 15 years
  • What is the repayment frequency/schedule for Agri Loans ?
    • Repayment schedule in Agri loans is based on factors like cropping pattern/cash flow of the borrower, purpose of investment, economic life of asset etc. The Repayment frequency for Agri Loans can be as Monthly/Quarterly/Half Yearly or yearly based on these factors
  • What is the collateral requirement for Agricultural Loans ?
    • As per RBI norms, agriculture loans up to aggregate amount of Rs. 1.60 lakh do not require any collateral security. For loans above Rs. 1.60 lakh, the security requirements are set as per the Scheme and Bank’s terms and conditions. This would vary for different schemes
  • What are the basic documents required to avail Agriculture Loans ?

    Following are the documents required to avail agricultural loans:

    • 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
  • What is the age criteria for availing loans ?
    • You can avail subsidy under different schemes sponsored by different State Level and National Level Agencies. Availability of subsidy is subject to various factors like latest Government notification, norms laid in that, sponsoring agencies, nature of activity, location of project (State/Rural area), social categories of Applicant i.e. SC/ST/OBC/Women etc.
    • The sanction of subsidy is completely based on the laid down norms of the subsidy sanctioning agency
    • The bank has no role in terms of sanction of subsidies from respective agencies
  • Can women apply for Agricultural Loans ?
    • Yes. Bank of Baroda encourages women to get engaged towards agricultural activities and hence women are eligible under all agri lending schemes of our Bank
  • Whether takeover of loans are allowed in BOB ?
    • Yes, takeover of loans are allowed in BOB. Decision on takeover of loans is made after scrutinizing loan applications on different Financial & Non – Financial Parameters of the borrowers
  • Whether total project cost is financed by Bank under agriculture ?
    • Bank finances Agriculture Loan based on the financial viability and technical feasibility of the project. However, based on the type of loan, borrower has to contribute the required margin as per the Bank Norm. The minimum margin requirement varies according to the type of project. Viz the minimum margin for KCC is Nil, Mini Dairy is 10%, Tractor Loan is 15%, for construction of farm structure is 15% etc.
  • Whether any credit guarantee is available for availing loans ?
    • Credit guarantee facilities are offered by various agencies to avail loan for different Agri and allied activities like SFAC offer Credit guarantee to FPCs, CGTMSE to food & agro based units, CGFMU for SHG, NCDC to Cooperatives availing loan for Agri Purposes, NABARD to NBFCs and MFIs etc. To avail credit guarantee from these agencies, the borrower should comply with the eligibility criteria as specified in the scheme document of each agencies
  • How can I apply for Agri Loans ?

    You can avail Agri Loans by visiting your nearest Bank of Baroda Branch or any of the BOB’s Business Correspondent (BC) working in your area. To explore our Branch network, click the URL

    Our Bank has also developed various alternative channels to help interested parties to register interest for agri loans. Below are the alternate channels to apply for agri loans:

  • What are important sites to check new updates on subsidy and Agri related activities ?

    Important links

Banking Mantra

  • Bank of Baroda | #ThisIsHow you can apply for Agriculture Loan online
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