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Farmer Finance / Agriculture Loan/ Krishi Loan

ICICI Bank offers a range of agriculture loans. You can use our overdraft facility to meet the cost of cultivation and working capital activities for farming and allied activities. We also offer term loans for buying cattle, purchase of equipment for irrigation and other agricultural requirements.

Visit our nearest branch and get an agriculture loan.


You can also approach us through an agribusiness co-operative, to which you supply your produce such as sugarcane, dairy products etc.

Frequently Asked Questions (FAQs) for Farmer Finance

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

  1. Retail Agri Loan - Kisan Credit Card / Kisan Card
    Kisan Credit Card (KCC) is a specially designed credit card for farmers. This card gives you the facility of a hassle free and convenient credit to meet your day to day farming requirements. 
  2. Long term Loan for agriculture & allied activities (Agri Term Loan)
    You can get term loans to buy cattle or agriculture equipment as a part of the Agricultural Term Loan (Agri TL) scheme from ICICI Bank. Repay these loans over a period of 3-4 years in monthly/Half yearly/ Yearly instalments as per your convenience.
    You get multiple benefits with ICICI Bank Agriculture loans:

    • Simplified documentation
    • Easy and convenient loan
    • Flexible loan repayment options based on your income
    • Attractive interest rates
    • No hidden charges
    • Quick processing
    • Non-mortgage loans are also available

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

  1. Convenient banking: You need not to compromise with your day to day work while banking with us. Experience the new age banking with ICICI Bank through large branch & ATM network with 24*7 customer care support
  2. 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
  3. 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 

Following are the basic requirements to avail Kisan Credit Card from ICICI Bank:

  1. The applicant should be in the age group of 18-70 years
  2. Owns a piece of agricultural land
  3. Engaged in agricultural or Allied Agricultural Activities

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

  1. Simplified application form
  2. KYC Documents
  3. Land documents
  4. Security PDC
  5. Any other document, as per sanction condition

Interest charges for Farmer Loans


Product Maximum Minimum Mean
Farmer Finance Retail 15.50% 9.90% 12.90%



  1. The range of interest rate provided is with respect to individual loans disbursed between October 1, 2023 to December 31, 2023.
  2. Mean rate - Sum of rate of all loans/number of loan accounts.
  3. The rate of interest is dependent on credit assessment parameters of the bank.
  4. Data excludes lending done under the crop loan subvention schemes of the government.

Schedule of charges


Description of charges Facility type Charges/Fee amount**

Service Charges

Processing fees

Dairy Funding - Agricultural Term Loan (ATL)

Up to 2% of the loan amount

Short Term Loan (STL), Loan Against Hypothecation (LAH) and Kisan Credit Card (KCC)

Up to 2% of the loan amount


Penal charges


Penal charges

Dairy Funding - Agricultural Term Loan (ATL)

5% per annum will be charged on the overdue amount and/or overdrawn amount from the due date till the date of actual payment

Short Term Loan (STL), Loan Against Hypothecation (LAH) and Kisan Credit Card (KCC)

5% per annum will be charged on the overdue instalment until repayment


Bounce charges/Late payment charges

Penal charges on dishonour of any cheque/AD/ECS/NACH per transaction

Dairy Funding - Agricultural Term Loan (ATL)

₹500 per instance

Short Term Loan (STL), Loan Against Hypothecation (LAH) and Kisan Credit Card (KCC)


Foreclosure charges*

Dairy Funding - Agricultural Term Loan (ATL)


Short Term Loan (STL) and Loan Against Hypothecation (LAH)


Kisan Credit Card (KCC) -Corporate

If the account is closed within one year of account opening, a 2% prepayment charge will be levied on the outstanding amount as of the previous month end.


Only applicable, if the total limit sanctioned (KCC+KCC variants+ ATL+ KSOD+ KSDLOD) is more than 3 Lakh

**Charges which are in nature of fees are Exclusive of GST.
GST and other government levies, as applicable, would be charged additionally.


Annual Percentage Rate:

The Annual Percentage Rate (APR) is a method to compute annualised credit cost, which includes interest rate and processing fee.

To calculate the same, please click here to download the APR calculator.


In the event of a change in your address, on account of relocation or any other reason, you should intimate the bank within 2 weeks of such a change. Any such intimation/request for change in address should be accompanied with a valid address proof.