SBI Agriculture Loan - Farmer's Schemes For Land Purchase and Debt Swapping Of Borrowers

Objective of Farmer's Land Purchase Scheme of SBI is to assist Small & Marginal farmers, Tenants Cultivators, Share Croppers and landless agricultural labourers for purchase of land.

1. SBI Agriculture Loan - Farmer's Land Purchase Scheme


The borrowers should have a record of prompt repayment of the loan for at least two years. Good borrowers of other Banks may also eligible provided they liquidate their outstanding to other banks.

Quantum of loan

Maximum Rs. 5 lacs. (Excluding development charges).

Utilization of Loan Amount

Loan may be considered for:

  1. Cost of land.
  2. Provision of irrigation facilities & land development (shall not exceed 50% of the cost of land).
  3. Purchase of farm equipments.
  4. Registration charges & stamp duty.
  5. Farmers assisted under the scheme may also be given crop loans (KCC only).

SBI Agriculture Loan - Farmer's Schemes For Land Purchase and Debt Swapping Of Borrowers


Minimum margin of 15%.

Gestation period

  • 1-2 years: If it is to be developed.
  • 6 Month-1year: Developed land


Max. 9-10 years beginning after the expiry of gestation period, with half-yearly installments.


To be secured by way of mortgage of land to be purchased.

2. SBI Agriculture Loan - Farmer's Scheme For Debt Swapping Of Borrowers

SBI to extend finance to farmers for paying off loans taken from non institutional lenders (e.g. money lenders etc.) and to enable such farmers in distress, meet their crop production needs.


All existing farmer borrowers as well as other farmers in the operational area of the branch.


Direct Agriculture.

Quantum of loan

The loan granted shall be 100% if the debt is on account of cultivation or agri activity or Rs.50,000/- whichever is lower. Simultaneously, the applicant shall be financed Kisan Credit Card which includes additional 20% of the production limit to meet contingent requirements or / and Agriculture Term Loan. The amount of ‘debt’ of the farmer is assessed based on the stamped affidavit given by the applicant.

SBI Agriculture Loan - Farmers' Scheme For Debt Swapping Of Borrowers

Method of assessment

  1. Debt being financed will be given as an ATL repayable in 3 to 5 years
  2. Gross DSCR of 1.75 will be maintained.

Sanctioning authority

The Branch Manager/Division Manager only should sanction loans under this scheme strictly.


disbursed preferably to the money lenders, an appropriate receipt for the discharged debt from the money lender should be obtained and kept with the loan documents.


All the existing security available with us both primary & collateral should be extended to cover the loan. Collateral security by mortgage of agriculture property.



crop loan

Dear Sir,
The SBI Sevalia branch had been issued crop loan on the name of The landlord Mr. C.D.Patel ,my father. Now he is not long live and expired in 2012. We already paid up the loans with interest. Now on renewal we submit the death certificate of my father and inheritance document . Now the officer demand all the documents fresh and we have to follow all the procedure repeatedly. So we are not getting the crop loan since last two years. Is it liable to provide all the documents repeatedly. If something happened and we lost any member from our family, then the procedure again followed repeat. Please give the proper suggestion.
Thanking you
Hasmukh Patel.

to buy land

i am working in a private educational institution and iam getting 25k as my monthly salary . i am interested to grow redsandal trees near sathyavedu pin 517588 mandal7 VILLAGE
but i dont have any lands except my house . every month i can pay 10k as my monthly EMI and i saw a land near rajugunta and gollavari kandriga which is 7lakhs per eakr . i want to buy 2 eakrs of land . is it possible with the help of SBI loans ?

To Buy Land

I,Mr.Idacung from Peren Nagaland seeking your financial assistant to purchase farm land at Jalukie Area to cultivate rice,Tomato and piggery as integrated system.The said Land amounting 5lakhs.
I am a fresh graduate in Zoology under Nagaland University St. Joseph's College Jakhama. And had a interest in farming to put into practice all I had learned in my prescribe course so as to sustaint my economy and to add litle to the society or citizen.
There I seek your kind consideration under the Farmer's Land Purchase Scheme for which I will remain grateful to you.

Thanking You
Your faithfully

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