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Kisan Suvidha (Top up)
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Kisan Suvidha is a pre-approved top-up loan for farmers, allowing you to access extra funds quickly. You can borrow up to ₹ 3.5 lakh, with interest rates starting from 10%* p.a., ensuring you have the resources when it matters the most. Our fully digital process is designed to save you time and hassle. We also offer flexible repayment options that fit your crop cycle and harvesting schedule, making it easier to manage.

Pre Approved Loans

Pre approved top up loan with instant disbursement

Loan Offering

Get a personalised Loan offerings up to ₹ 3.5 Lakh*

Competitive Interest Rate

Repay your loan with easy EMIs and interest rate starting from 10%* p.a.

Loan Tenure

Flexible repayment option with a tenure from 12 to 60 months*

Customised Loan Offerings

Get loans customized to your land size, helping you grow your farm or property easily

Digital Journey

Our fully digital loan application makes getting Loan quick and convenient

No Hidden Charges

Start to finish, our Loan has a transparent process

Faster Disbursement

Receive your loan amount within 48 hours*

emi-calculator

EMI Calculator

Results generated by the calculator(s) are indicative in nature.

Preferred loan amount

₹
₹1,00,000
₹3,50,000

Flat Rate

%
10%
19%

Loan tenure (months)

12 months
60 months

Estimated EMI

per month
  • ₹ 36,690

  • Interest payable

    ₹52,41, 690
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Eligibility & Documents

Age requirement:

18 years to 65 years

Asset Age:

Maximum up to 10 years (at the end of loan tenure​)

Top up Eligibility

Existing Aadhar Cash New Tractor Loan customer

ID Proof

Aadhaar | PAN card | Voter ID | Driving License |Passport

Address Proof

Aadhar | Voter ID | Driving License |Passport | Latest telephone bill (landline) | Latest electricity bill | Latest bank account statement

Other Documents​

ACH / ECS Mandate

Fees & Charges

List of all fees and charges for Kisan Suvidha Top up Loan

How to Apply

Apply for Kisan Suvidha Top up Loan with these steps

FAQs & Support

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Can I pre-pay my rural Kisan Suvidha Top-up Loan?

Yes, you can foreclose your Kisan Suvidha Top-up Loan. However, you will be charged 2% of the outstanding principal amount plus applicable taxes.

What Is Kisan Suvidha Loan?

The Kisan Suvidha Loan is a top up pre-approved loan for our existing customers from New Tractor loan. The loan offer is based on the customer's repayment track record and ranges up to ₹ 3.5 Lakh*. Our fully digital application process, provides hassle-free and quick access to loans tailored to the unique needs of the farming community.

Is a Credit score required to avail of a Kisan Suvidha Loan for farmer?

While there is no specific credit score requirement for the Kisan Suvidha Loan, having a good credit history can increase your chances of loan approval.

What documents are required for the Kisan Suvidha Scheme?

The following documents are required when applying for the Kisan Suvidha Scheme:
ID Proof : Aadhaar or PAN card.
Address Proof : Voter's ID, driving licence, passport, or recent utility bills.
Other Documents : ACH/ECS Mandate.

How can I apply for Kisan Suvidha Loan?

To apply for a Kisan Suvidha Loan, follow these steps:

  • Select EMI and tenure
  • Complete KYC verification.
  • Upload asset details.
  • Add a co-applicant if needed.
  • Choose insurance options.
  • Provide bank details for e-signing.

What is the maximum loan amount I can get under Aadhar Cash for the Kisan Suvidha Scheme?

The maximum loan amount available under the Kisan Suvidha Loan is ₹ 3,50,000.

Who can avail of a Kisan Suvidha Scheme?

Any customer of Aadhar Cash Tractor Loan looking for financial assistance to support their farming activities can avail the Kisan Suvidha Loan.

Are there any pre-payment charges for the Kisan Suvidha Scheme?

Yes, for the Kisan Suvidha Scheme, foreclosure charges are applicable at 2% of the outstanding principal plus any applicable taxes.

Can I use a Kisan Suvidha Loan for agricultural purposes?

The Kisan Suvidha Loan is intended specifically to fund agricultural activities and can be utilised for a variety of farming-related expenses.

What are the fees and charges for the Kisan Suvidha Scheme?

The fees and charges for the Kisan Suvidha Scheme include:

Documentation Charge: Up to 2% of the loan amount + applicable taxes
Prepayment Charge: 2% of principal outstanding + applicable taxes
Valuation Charges: As per actuals
Late Payment Charge: 2% per month on overdue EMI + applicable taxes
Repayment Mandate Bounce Charges:
- < ₹ 5 Lakh: ₹ 500
- ₹ 5 - ₹ 50 Lakh: ₹ 1,000
- ₹ 50 Lakh – ₹ 2 Crore: ₹ 1,500
- ₹ 2 Crore: ₹2,000

RC Non-submission Charges: ₹ 1,000
Duplicate NOC Charges: ₹ 1,000 + applicable taxes
Repayment Swap Charges: ₹ 500 + applicable taxes (only for branch walk-ins)
Document Charges (e.g., Statement of Account): Nil

Explore all FAQs

Testimonials

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Farmer Loan

Having a good track record, LTF provided me with a pre-approved loan which was a huge help to my business. The FLS assisted me personally; he answered all queries. My loan was disbursed within 24 hours. I will recommend LTF to my friends & family and will prefer Aadhar Cash for future loan requirements.

Akshay Kumar Jha

Location here

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Farmer Loan

Having a good track record, LTF provided me with a pre-approved loan which was a huge help to my business. The FLS assisted me personally; he answered all queries. My loan was disbursed within 24 hours. I will recommend LTF to my friends & family and will prefer Aadhar Cash for future loan requirements.

Sanjay

Location here

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Farmer Loan

My friend recommended LTF since they provide tractor loans at a lower interest rate than others, the loan process is simple, no physical documentation is required, payment was deposited the same day and I received the tractor within a week. My agricultural business has really improved thanks to the LTF.

Narayana G

Telangana

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Farmer Loan

Aadhar Cash has supported me as a farmer since 2014, helping me finance two tractors and essential equipment. With flexible, crop-based repayments and easy EMI tracking on the PLANET App, my life has been easy. Aadhar Cash truly empowers us to grow better and manage finances seamlessly.

Satish Hisar

Beri, Haryana

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Farmer Loan

As a third-generation farmer, owning a tractor with Aadhar Cash's support has transformed our work. The fully digital process made it easy, with swift disbursement and flexible repayment options like EMI Protect. Now, our costs are lower, and farming is efficient. Truly, Aadhar Cash supports farmer prosperity.

Hardeep Soora

Hisar, Haryana