Crop Loan Interest Calculator
పంట రుణం వడ్డీ కాలిక్యులేటర్
Crop loan interest on a Kisan Credit Card (KCC): 7% up to ₹3 lakh, 4% when repaid on time, the bank's rate above it or when late.
కిసాన్ క్రెడిట్ కార్డ్ పంట రుణంపై వడ్డీ: ₹3 లక్షల వరకు 7%, సకాలంలో కడితే 4%, ఆపైన లేదా ఆలస్యమైతే బ్యాంకు రేటు.
Your result
Interest you pay మీరు చెల్లించే వడ్డీ
8 thousand rupees
- At 7% on ₹2,00,000పథకం వడ్డీ
- ₹14,000
- ₹2,00,000 × 7% × 12/12
- Back for paying on time (3%)సకాలంలో చెల్లింపు ప్రోత్సాహం
- − ₹6,000
- ₹2,00,000 × 3% × 12/12
- Total to repayమొత్తం చెల్లింపు
- ₹2,08,000
- Works out toసగటు వడ్డీ
- 4% a year
At the bank's 9% all the way it would be ₹18,000: the scheme saves you ₹10,000.
Last updated : the interest subvention scheme for 2025-26: 7% up to ₹3,00,000, 4% when repaid on time. The scheme is renewed each year: check the rate, your limit and the due date with your bank.
How is crop loan interest calculated?
As simple interest, on the amount drawn for the months it is out. Under the government's interest subvention scheme (2025-26), banks give short-term crop loans on a Kisan Credit Card at 7% a year, on loans up to ₹3 lakh (up to ₹2 lakh when the loan is only for animal husbandry or fisheries), for at most a year. Repay by the due date and another 3% comes back to you, so the loan costs 4% a year: ₹1 lakh for a year is ₹4,000.
Interest = loan × 7% × months ÷ 12 − (on time: loan × 3% × months ÷ 12)
Example: ₹2,00,000 for a year, repaid on time: ₹14,000 at 7%, less ₹6,000 back, so ₹8,000. Repaid three months late at a 9% bank rate: ₹18,500, more than 2 times as much.
Crop loan interest rate in Telangana and Andhra Pradesh
The same as across India: 7% a year, or 4% when repaid by the due date, on KCC crop loans up to ₹3 lakh from public sector, private, regional rural and cooperative banks. Above the limit, and after the due date, each bank charges its own rate. A state may pay the rest for farmers who repay on time, making the loan interest-free: Andhra Pradesh's YSR Sunna Vaddi did so in 2019–24 on loans up to ₹1 lakh. Ask your bank or the agriculture office whether a state scheme applies now, and enter its limit above.
Crop loan interest on ₹50,000 to ₹3 lakh
For a year, at the scheme's rates and a bank rate of 9% once the loan is late (type your bank's rate above):
| Crop loan | Repaid on time (4%) | 3 months late | 6 months late |
|---|---|---|---|
| ₹50,000 | ₹2,000 | ₹4,625 | ₹5,750 |
| ₹1 lakh | ₹4,000 | ₹9,250 | ₹11,500 |
| ₹2 lakh | ₹8,000 | ₹18,500 | ₹23,000 |
| ₹3 lakh | ₹12,000 | ₹27,750 | ₹34,500 |
Good to know
- Above ₹3 lakh the bank charges its own rate on the extra: ₹5,00,000 for a year on time at 9% costs ₹30,000 (₹12,000 on the first ₹3 lakh, ₹18,000 on the rest).
- Late, the 3% is lost and the bank's own rate runs from the due date; an overdue loan also makes the next one harder to get. Repaying, or renewing with the bank, by the due date keeps the 4% rate.
- Crop loans are not compounded before the due date: interest is simple, on the amount drawn, for the days it is out.
- Pledging gold for a farm loan instead? The gold loan calculator works out its interest, monthly or at the end.
పంట రుణంపై వడ్డీ ఎంత?
కిసాన్ క్రెడిట్ కార్డ్ పంట రుణంపై ₹3 లక్షల వరకు 7% వడ్డీ; గడువులోగా తిరిగి కడితే 3% వెనక్కి వస్తుంది, అంటే 4% మాత్రమే. ₹1 లక్ష రుణానికి ఏడాదికి వడ్డీ ₹4,000. గడువు దాటితే బ్యాంకు రేటు వర్తిస్తుంది. తెలంగాణ, ఆంధ్రప్రదేశ్‌లోనూ ఇవే రేట్లు.
Questions
Who can get a crop loan at 7%?
Farmers, tenant farmers, oral lessees and self-help or joint liability groups of farmers, through a Kisan Credit Card from a bank, regional rural bank or cooperative bank. The bank sets the limit from the crop, the land and the scale of finance for your district.
What is the KCC loan limit per acre?
It is not one figure: the bank works it out from the district's scale of finance for each crop (fixed every year by the district level technical committee) and the acres you grow it on. Ask your branch for the season's scale; the calculator takes the amount sanctioned.
Is the 4% rate automatic?
The bank charges 7%; the 3% for paying on time is credited after you repay by the due date. The scheme is renewed by the government each year, so check the current terms with your branch.
What next? తర్వాత ఏం చూడాలి
See all calculators →Estimates under the interest subvention scheme as notified for the year, at the rates you enter. Your bank sets the limit, the due date and its own rate.
