Value Chain Financing
Direct finance for strengthening agriculture value chains and market linkages.
Eligible activities
Loan purpose
Green Finance
Clean energy, climate mitigation/adaptation, and waste management initiatives.
WASH
Water, Sanitation and Hygiene including Climate Ready WASH projects.
Rural Infra & Logistics
Infrastructure, logistics, and food/agro processing related activities.
Eligibility
Who can apply
- ✓Innovative Indian agri/allied startups directly benefiting farmers/FPOs.
- ✓Must be Private Limited company with DPIIT certification and minimum 51% Indian promoter shareholding.
- ✓No pending dues and not blacklisted by any government agency.
Terms
Quantum, pricing, security & repayment
Loan Quantum
Absolutely need-based.
Maximum 85% of project cost.
Startup to bring minimum 15% margin.
Interest & Processing Fee
As per NABKISAN policy.
Processing fee: minimum 2% of sanctioned loan + applicable taxes.
Repayment Period
Maximum 18 months for working capital and 7 years for term loan including moratorium, if any.
Security
Primary: Mortgage and/or hypothecation of assets/stock/receivables created, if any.
Personal guarantee of promoters is compulsory.
Liquid collateral: lien-marked FD (25%–50%) OR SARFAESI-compliant property mortgage (50%–75%), case-based.