What are the eligibility criteria for agriculture loans?

Eligibility varies by loan type, but in general, you should: Be engaged in farming or allied activities. Be within the eligible age bracket. Have land ownership documents or lease agreements. Provide basic KYC documents. For equipment or high-value loans, credit history and income proof may be required.

What is the difference between Allied Activity Loan and Agri Allied Financing Program?

Allied Activity Loan: This type of loan is designed for financing non-crop activities such as dairy farming, poultry rearing, beekeeping or fisheries. It is usually offered as a standalone loan for a specific purpose. Agri Allied Financing Program: This is a broader financing solution that covers a wide range of allied activities under a structured program, which may also integrate working capital, infrastructure development and machinery purchase for allied sectors.

Rural Loans

Wide range of agri & allied loan options
Secure loans with easy collateral options
Extensive rural branch & service network

What’s in store for you

Types of Rural Loans
More About HDFC Bank Rural Loans
Frequently Asked Questions

Types of Rural Loans

Tractor Loan

Finance up to 90% of tractor cost.
Competitive interest rates & processing fees.
No extra collateral required.

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Horticulture Loan

Finance for diverse horticulture crops.
Credit for production & farm investment.
Insurance & RuPay Platinum Card benefits.

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Rural Housing Loan

Loans for building or renovating homes.
Flexible repayment & competitive rates.
Minimal paperwork with quick approval.

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Agricultural loan aginst Gold Security

Agri loan secured with gold jewellery.
Quick disbursal to farmer’s account.
Fair gold valuation.

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Allied Activity Loan

Finance for dairy, poultry & fisheries.
Loans for purchase of cattle or buffalo.
Credit for farmers’ working capital needs.

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Agri Allied Financing Program

Covers crop, post-harvest & farm needs.
Flexible credit for production & upkeep.
Loan amount based on land & crop type.

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More About Rural Loans

Tailored for Rural & Agri Needs

Whether it’s crop cultivation, farm equipment purchase, allied activities like dairy or fisheries or land development, our Rural Loan schemes are designed to meet the unique needs of rural customers.

Minimal documentation and streamlined approvals help you access funds faster, so you can focus on your work instead of paperwork.

Enjoy affordable repayment options and interest rates that make your loan easier to manage throughout the season.

Choose repayment schedules aligned with your business income patterns — monthly, quarterly, or seasonal.

With HDFC Bank’s wide rural reach, you can get personalised support from local relationship managers who understand your challenges.

Safeguard your income with crop insurance, livestock insurance, and asset protection options bundled with your loan.

Most Important Terms and Conditions

*The Most Important Terms and Conditions for each of our banking offerings features all the specific terms and conditions that govern their use. You must go through it thoroughly to fully understand the terms and conditions applicable to any banking product you choose.

Frequently Asked Questions

Choosing the right Rural Bank Loan depends on your purpose, repayment capacity and the type of farming activity you plan to undertake.

Eligibility varies by loan type, but in general, you should:

Be engaged in farming or allied activities.

Be within the eligible age bracket.

Have land ownership documents or lease agreements.

Provide basic KYC documents.

For equipment or high-value loans, credit history and income proof may be required.

Rural Loans can be linked to government schemes such as Kisan Credit Card (KCC) that provides working capital for crop production with subsidised interest rates, interest subvention schemes to reduce the effective interest rate for timely repayment. You can get in touch with your Relationship Manager who can help you check your eligibility for such schemes.

Allied Activity Loan: This type of loan is designed for financing non-crop activities such as dairy farming, poultry rearing, beekeeping or fisheries. It is usually offered as a standalone loan for a specific purpose.

Agri Allied Financing Program: This is a broader financing solution that covers a wide range of allied activities under a structured program, which may also integrate working capital, infrastructure development and machinery purchase for allied sectors.

To safeguard farmers against unforeseen events, HDFC Bank offers various insurance coverage options.

Rural Loans