FEATURES

Overview


HDFC Bank offers Agriculture Loan against Gold Security to help farmers and agriculturists meet their financial needs with ease. Pledge your gold and access quick funds for agriculture and allied activities. Enjoy flexible repayment options such as Zero EMI or monthly interest servicing at competitive interest rates. With a 100% safe and secure banking system for storing your gold and instant disbursal with minimal documentation, this loan is designed to support your farming journey effortlessly. 

This Dussehra and Diwali, give your plans a golden start. Whether it is purchasing farm equipment, repairing your home for the festive season, or managing extra expenses for celebrations, our Agriculture Loan against Gold Security makes it simple. With instant approval, minimal paperwork, and competitive interest rates, you can enjoy the festivities while your farming goals stay on track. 

Offer Validity: Till 31st May 2026 
Explore Festive Offers click here  ​​​​​​​

Terms & Conditions: 

  • Loans are subject to credit approval at the sole discretion of HDFC Bank. 

  • KYC and documentation requirements apply. 

  • Interest rates vary based on the scheme chosen. 

  • Additional terms and conditions may apply. 

Key Features


Eligibility:  Individual farmer/ Joint borrower. All major applicant  up to age of 60 years, above 60 years legal heir is mandatory.

Type of facilities: 

  1. Cash Credit/Over draft: To meet crop production cost & expenses towards consumption, post-harvest expenses and repair & maintenance
  2. Term Loan: For investment purpose like land development, purchase of farm implement, Irrigation equipment etc.
  3. Quantum of finance: Quantum of finance is based up on land under cultivation, cropping pattern & scale of finance.
  4. Security: 
    1. Primary: Hypothecation of crop & assets created out of bank finance
    2. Collateral: Mortgaged of agricultural land/Urban Property/Liquid security
  5. Tenure: Five year
  6. Other Benefit:
    1. Free Personal accidental insurance coverage of farmer, up to Rs. 2,00,000/-,
    2. Crop Insurance available for all notified crop under Prdhan Mantri Fasal Bima Yojana,
    3. Issuance of Rupay Farmer Platinum debit card for hassle free transaction.
  7. Documentation:
    1. Application Form
    2. KYC of Borrower/Co-borrower/Guarantor
    3. Copy of Land records
    4. Copy of Govt.  land rate of agriculture land
    5. Latest updated passbook/bank statement

ELIGIBILITY

FEES & CHARGES