Designed for Farmers & Agri-Businesses
Ideal for crop cultivation, dairy, livestock, irrigation systems, farm tools, and agricultural development.
Quick Loan Sanction
Fast approval process to support urgent farming needs and seasonal cycles.
Low & Farmer-Friendly Interest Rates
Affordable agriculture loan rates in Kerala to support sustainable growth.
Minimal Documentation
Simple application process designed for farmers.
High Loan Eligibility
Loan based on land holding, cultivation pattern, and crop value.
Machinery & Equipment Financing
Support for tractors, pumps, engines, and advanced farm tools.
Working Capital Support
Funds for seeds, fertilizers, labour and irrigation needs.
Seasonal Repayment Options
Pay based on yield and harvest timelines.
Loan Top-Up Facility
Additional funding available during crop cycles.
Step 1
Visit the nearest Thirukochi Fincap branch or submit a loan enquiry.Step 2
Provide land details, farming records & basic KYC documents.Step 3
Loan evaluation & eligibility check based on agricultural profile.Step 4
Approval & quick disbursal directly to your bank account.
Farmers, Growers & Agri-Entrepreneurs
Available for individual farmers, joint cultivators & agri-business owners.
Proof of Farming Activity
Land ownership, lease papers or cultivation proof required.
Basic KYC Verification
Aadhaar, PAN, bank statements & supporting farming records.
Fees & Key Charges
- Interest Rate: Competitive yearly interest — final rate depends on tenure and loan amount.
- Processing Fee: A small one-time processing fee may apply (transparent up-front).
- Late Payment: Penalty charges for delayed EMIs as per terms and conditions.
- Foreclosure: Foreclosure terms vary — some early closure charges may apply depending on tenure.
For exact figures, please contact our branch or check the loan schedule provided during application.
What can an Agro Loan be used for?
For seeds, fertilizers, irrigation, machinery, land development, crop production, livestock, and agri-business needs.
How fast can funds be received?
Most loans are approved quickly after verification and can be disbursed within the same day.
Do I need collateral for an Agro Loan?
Collateral depends on loan type, value & eligibility. Both secured and partially secured options are available.
