Indian Banking product: Agriculture Loan

 

3. AGRICULTURE LOAN (कृषि ऋण)

Definition:

Jab bank kisano ko kheti, beej, khad, traktor, ya irrigation ke liye paisa udhaar deta hai, to ise Agriculture Loan kehte hain.

Agriculture Loan ke Prakaar (Types of Agriculture Loans)

1. Crop Loan (फसल ऋण) – Beej, khad, pesticide aur kheti ke anya kharche ke liye.

2. Tractor Loan (ट्रैक्टर ऋण) – Tractor ya agriculture machine lene ke liye.

3. Irrigation Loan (सिंचाई ऋण) – Tubewell, pump ya pani ke sadhan ke liye.

4. Dairy Loan (डेयरी ऋण) – Gai-bhains kharidne aur dairy business shuru karne ke liye.

1. Horticulture Loan (बागवानी ऋण) – Falon aur sabzion ki kheti ke liye.

Agriculture Loan ka Mahatva (Importance of Agriculture Loans)

✔ Kisano ki madad hoti hai – Unke paas kheti ke liye paisa hota hai.
✔ Zyada utpaadan hota hai – Naye tools aur technology se kheti behtar hoti hai.
✔ Desh ki economy sudhar ti hai – Bharat ek krishi pradhan desh hai, isliye yeh loan economy ke liye zaroori hai.

Example: Real-Life Agriculture Loan Case

Maniye Ramu ek kisan hai. Usne ₹1,00,000 ka crop loan liya taaki beej, khad aur kheti ke anya kharche poore kar sake. Fasl bikne ke baad usne loan wapas chuka diya.