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<h1>HDFC Agriculture Loan</h1>
<h3>HDFC Bank is considerate and understanding of the farmers and agriculturists’ financial situation and how they require funding at the different phases of their farming process. The bank wants to ensure that the banking benefits are reaching various sectors of the country. The agricultural loans are provided to varying tenures to creditworthy customers who are engaged in farming, cash crops, horticulture, plantations, poultry, animal husbandry, dairying, seeds, warehousing, etc. The bank finances seeds, fertilizers, pesticides, micro nutrients and micro irrigation tools. They even consider, transport, storage and processing the food as a thrust area and are offering working capital to eligible customers. HDFC bank is expanding its rural presence to cater to the needs of the farmers and agriculturists.</h3>
<h1>HDFC Bank offers the following schemes and Loans to the Farmers</h1>
<h2>Crop Loans</h2>
<h3>Crop term loans are provided to agriculturists for purposes of developing commercial horticulture, establishing orchards and plantations. It is also extended to farmers to grow field crops. The loan is sanctioned on the basis of project feasibility.</h3>
<h2>Warehouse Receipt Financing</h2>
<h3>This acts as a collateral against the stocks stored in the approved warehouse. HDFC bank funds a certain percentage of the value mentioned in the receipt. The target customers are farmers and small traders. The documentation process is simple and the loan amount is disbursed in a few hours from submitting the receipt to the bank. The borrower can stock the commodity in Central Warehouse Centres and State Warehouse Centres located in India. Borrower is allowed to stock the commodity in private warehouses that have been approved by the bank. To reduce the processing time a service provider will act as an intermediate between the bank and the borrower. He also assists the borrower in the documentation process and with other formalities.</h3>
<h2>Retail Agri Loans- Kisan Card / Kisan Gold Card</h2>
<h3>Kisan Gold card offers loan with tenure up to 84 months to the farmers. The documentation is easy and the approvals are done quickly. The card can be used to buy agricultural equipment and to meet other agricultural related expenses. The credit limit is set for a year and it can be renewed subsequently. You get crop production cover, post-harvest and domestic consumption requirements are met and other equipment related expenses are covered. A free Personal Accident Insurance cover of Rs.2 lakh is provided to the cardholder. You can make use of the daily withdrawals that has an upper limit of Rs.15,000 through all ATMs and of Rs.25,000 at merchant outlets.</h3>
<a href="https://www.bankbazaar.com/personal-loan/tractor-loan.html" style="font-size:25px">Tractor Loans</a>
<h3>These are available to farmers and non-farmers to buy new or used tractors. The loan is available without additional collateral security, the documentation process is easy and has a faster turnaround time. The interest rates are lower and it caters to all segments.</h3>
<h2>Agri Business Credit</h2>
<h3>You can avail working capital finance through short term or long term loans in agricultural commodities. This is a tailor made product for Agricultural input dealers.A GST rate of 18% will be applicable on banking services and products from 01 July, 2017.</h3>
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