Proposed Rate of Interest under Agriculture Advance up to 01.01.2025

S No.

Scheme Name

Rate of Interest

1

Central Kisan Credit Card

7% p.a. advances covered under Interest Subvention scheme and advances not covered under Interest Subvention scheme is as follows:

Up to Rs 3 Lakhs: MCLR + 1.35%

Above Rs 3 Lakhs up to Rs 10 Lakhs: MCLR + 2.50%

Above Rs 10 Lakhs up to Rs 100 Lakhs: MCLR + 3.00%

2

Cent SHG bank Linkage scheme

Up to Rs 10.00 lakh : MCLR + 2.50%

Above Rs 10.00 Lakh and up to Rs 20.00 Lakh : MCLR + 3.00%

3

Cent Kisan Vahan Scheme

1. *1.) Farmers (Two wheeler and Four wheeler) : MCLR + 0.15%

*2.) Others Transport Vehicle : MCLR + 0.50%

2. *1.) Agri Business, Service Centers and Allied Activities (Two wheeler and Four wheeler) : MCLR + 0.15%

*2.) Others Transport Vehicle :

Up to Rs 10.00 Lakh : MCLR + 0.50%

Above Rs 10.00 Lakh to Rs 25.00 Lakhs                                                    : MCLR + 1.05%

4

Cent PMFME Scheme

Up to Rs 10.00 Lakh : RBLR + 1.25%

Above Rs 10.00 Lakh up to Rs 1.00 Crore : RBLR + 1%

Above Rs 1.00 Crore to Rs 2.00 Crore : RBLR + 0.50%

5

Cent FPO Scheme

Rs 10.00 Lakh up to Rs 100.00 Lakh : MCLR + 0.50%

Above Rs 100.00 Lakh : As per risk rating of the borrower

6

Agri Clinic and Agri Business Center

Up to Rs 3.00 Lakh : MCLR + 1.50%

Above Rs 3.00 Lakh up to Rs 100.00 Lakh : MCLR + 2.50%

7

Cent Agri Gold Loan Scheme

Interest Subvention : 7%

Non Interest Subvention :-

 Minimum MCLR 6 months : -0.30% and

 Maximum MCLR 6 months : + 0.30%

8

Cent Agri Infra Scheme

Up to Rs 2.00 Crore : 6 Months MCLR + 1%

Above Rs 2.00 Crore : As per credit rating of the borrower

9

Cent Animal Husbandry Infra Scheme

*For the borrowers whose project cost are falling within MSME defined ceilings : RBLR + 2%

For Others : As per rating of accounts

10

Cent Compressed Bio Gas Scheme

Up to Rs 100.00 Lakh : MCLR + 1.35%

Above Rs 100.00 Lakh : As per credit rating of the borrower

11

Cent Dairy Scheme

Up to 3.00 Lakhs : MCLR + 1%

Above 3.00 Lakh up to 10.00 Lakhs : MCLR + 2.30%

Above 10.00 Lakhs up to 100.00 Lakhs : MCLR + 2.90%

12

Cent Farm Machinery Scheme

Up to 3.00 Lakhs : MCLR + 1.35%

Above 3.00 Lakhs up to 10.00 Lakhs : MCLR + 2.50%

Above 10.00 Lakhs up to Rs 100.00 Lakhs : MCLR + 3%

13

Cent Flexi Agri Business Loan

Up to Rs 100.00 Lakhs : It will be as per prevailing rate of the scheme

Above Rs 100.00 Lakhs : As per credit rating

14

Cent Kisan Sathi

MCLR + 1.35%

15

Cent Kisan Tatkal Scheme

MCLR + 1.35%

16

Cent Mushroom Scheme

Above Rs 5.00 Lakh to Rs 10.00 Lakh : MCLR (12M) + 1.15%

Above Rs 10.00 Lakh up to Rs 100.00 Lakh : MCLR (12M) + 1.25%

17

Cent Poly House Green House Shade Net

*Up to Rs 3.00 Lakh : MCLR + 1.35%

Above Rs 3.00 Lakh up to Rs 10.00 Lakh : MCLR + 2.50%

Above Rs 10.00 Lakh up to Rs 100.00 Lakh : MCLR + 3%

18

Cent Poultry Scheme

Up to  ₹ 1 Crore :

Above ₹ 1 Crore :

19

Cent Solar PM KUSUM Scheme

Up to Rs 100.00 Lakh : MCLR + 1%

Above Rs 100.00 Lakh : As per risk rating of the borrower

20

Cent VISVAS Scheme

Up to Rs 3.00 Lakh : MCLR + 1.35%

Above Rs 3.00 Lakh to Rs 4.00 Lakh : MCLR + 2.50%

21

Cent Warehouse Receipt Scheme

MCLR + 1.85%

22

Scheme for financing JLGs

Up to Rs 3.00 Lakh : MCLR + 1.35%

Above Rs 3.00 Lakh to Rs 5.00 Lakh : MCLR + 2.50%

23

Cent Solar Scheme

Up to Rs 3.00 Lakh : MCLR + 1%

Above Rs 3.00 Lakh : MCLR + 1.50%

24

Cent Fishery Scheme

Up to Rs 1.60 Lakh : NIL

Above Rs 3.00 Lakh to Rs 10.00 Lakh : MCLR + 2.10%

Above Rs 10.00 Lakh up to Rs 1.00 Cr : MCLR + 2.60%

Above Rs 1.00 Cr RoI as per credit rating and realizable value of collateral security

25

Cent Cold Storage Scheme

1. For WC & TL

Up to  ₹ 100 Lakh – 3M MCLR

2. Above ₹ 100  Lakh as per Rating

3. Tenor Premium for TL

26

Cent SRMS Scheme

MCLR

*For projects up to Rs 1.00 Lakh : Men - 5% p.a. and women – 4% p.a.

*For projects above Rs 1.00 Lakh : 6% p.a.

(*Interest subsidy – difference of interest charged and chargeable as per scheme will be paid by NSFDC/SCAs)

27

Cent Fisheries and Aquaculture Infrastructure Development Fund Scheme

*Up to Rs 3.00 Lakh : MCLR + 1.35%

Above Rs 3.00 Lakh to Rs 10.00 Lakh : MCLR + 2.50%

Above Rs 10.00 Lakh up to Rs 100.00 Lakh : MCLR + 3%

Above Rs 100.00 Lakh :  As per credit rating of the borrower

28

Cent Naari Shakti

For Agriculture         : MCLR (12M) + 2%

For Other Schemes : RBLR + 1.45%

29

Cent Rice Mill

As per Internal Rating :

*3M MCLR with special power for concession in Rate of Interest for Loan ₹ 2 Crore and above.

ZLCC  - up to 0.50 %

30

Cent Food Processing Plus Oil Mill

For Fund Based Working Capital and Term Loan up to Rs 100.00 Lakh :

RoI for loan above Rs 100.00 Lakh : As per Risk Rating of Borrower and value of Collateral Security.

*3M MCLR with special power for concession in Rate of Interest for Loan ₹ 2 Crore and above.

ZLCC  - up to 0.50 %

31

Cent Horticulture

RoI : As applicable to agricultural advance