Agriculture Loans

What is an Agriculture Loan?

At Dream Finvest Group, our agriculture loans are designed to support farmers and agricultural businesses by providing financial assistance for crop cultivation, equipment purchases, land development, and other farming needs. With flexible repayment terms, competitive interest rates, and a streamlined application process, our agriculture loans help farmers boost productivity and achieve sustainable growth.

Who Can Avail an Agriculture Loan?

Our agriculture loans are available to farmers and agricultural businesses meeting the following criteria:

• Individuals, partnerships, or cooperatives engaged in agriculture or allied activities.
• Age between 21 and 65 years at the time of loan maturity.
• Minimum annual agricultural income of ₹1.5 lakhs or landholding of at least 2 acres.
• Good credit score (preferably above 650).
• Proof of agricultural activity (e.g., land ownership, lease agreements, or farming contracts).
• Stable income or revenue from agricultural activities for at least 1 year.

We assess applications based on agricultural income, landholding, and repayment capacity to provide suitable financing solutions.

Documents Required

To apply for an agriculture loan with Dream Finvest Group, please provide the following documents:

• Identity Proof: Aadhaar Card, PAN Card, Passport, Voter ID, or Driving License.
• Address Proof: Aadhaar Card, Utility Bills, Rental Agreement, or Passport.
• Income Proof: Last 2 years' ITR or agricultural income proof (e.g., sale receipts, mandi receipts).
• Bank Statements: Last 12 months' bank statements showing agricultural transactions.
• Land Documents: Land ownership deed, lease agreement, or Khasra/Khatuni records.
• Photographs: Recent passport-sized photographs of the applicant.

Additional documents may be required based on the loan purpose or applicant profile. Our team will assist you throughout the process.

Benefits of Agriculture Loans

Our agriculture loans offer the following advantages:

• Loan amounts ranging from ₹50,000 to ₹50 lakhs, based on agricultural needs.
• Competitive interest rates starting at 9% p.a.
• Flexible repayment tenure from 1 to 15 years.
• Quick disbursal within 5-7 working days.
• Collateral-free loans for eligible applicants (up to ₹10 lakhs).
• Minimal documentation with an easy online application process.
• Seasonal repayment options aligned with harvest cycles.

How to Apply

Applying for an agriculture loan with Dream Finvest Group is straightforward:

1. Visit our website or nearest branch to fill out the online application form.
2. Submit the required agricultural, financial, and personal documents.
3. Receive preliminary approval based on eligibility and land valuation.
4. Our team will verify your documents and assess agricultural needs.
5. Upon final approval, funds will be disbursed to your bank account within 5-7 working days.

Contact our dedicated agriculture loan support team for assistance.

Interest Rates and Fees

Our agriculture loans come with transparent pricing:

• Interest Rate: Starting from 9% p.a. (fixed or floating, based on profile).
• Processing Fee: Up to 1.5% of the loan amount + GST.
• Foreclosure Charges: Nil for floating rate loans; 3% on outstanding amount for fixed-rate loans after 12 months.
• Part Prepayment: Up to 25% of principal annually with no charges.
• Late Payment Fee: 2% per month on overdue EMI.

Note: Rates and fees are subject to change. Please consult our team for the latest details.