Agricultural Loan & Subsidy Calculator

Calculate agricultural loan EMI with government interest subsidies in Nepal.

Calculate Agricultural Loan

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Agricultural loan subsidies in Nepal

The Government of Nepal provides interest rate subsidies to promote agricultural development.

Common subsidy programs:
• Interest subsidy: 3-5% reduction in interest rate
• Priority sectors: Vegetables, dairy, fishery, tea, coffee
• Target groups: Small farmers, women, Dalits, marginalized communities
• Loan limits: Usually up to NPR 25-30 lakh for subsidized loans

Eligibility criteria:
• Must be engaged in agricultural activities
• Land ownership or lease documents
• Business plan/project proposal
• Registration with local agriculture office
• Clean credit history

Note: Subsidy rates and programs change. Check with banks and Ministry of Agriculture for current schemes.

FAQs

Who is eligible for agricultural loan subsidy?

Farmers engaged in priority sectors (vegetables, dairy, fishery, etc.), especially small farmers, women, and marginalized communities. Must have land documents and business plan.

What's the maximum loan I can get?

Varies by bank and purpose. Subsidized loans: NPR 10-30 lakh. Commercial agricultural loans: Up to NPR 1 crore or more with collateral.

Which banks provide agricultural loans?

All commercial banks, Agricultural Development Bank (ADB), cooperatives, and microfinance institutions offer agricultural loans.

Do I need collateral?

For small loans (under NPR 10 lakh), group guarantee may suffice. Larger loans require land or property collateral.

How long does loan approval take?

2-4 weeks typically. Requires business plan, land documents, citizenship, and agriculture office recommendation.