Loan for Agriculture in Kerala 2026 | Farm Loans & NABARD Schemes for NRIs

NRIs with agricultural land in Kerala can access various farm loan schemes to fund cultivation, plantation development, farm equipment, and agri-processing. NABARD and Kerala government schemes provide subsidised financing for agricultural activities.

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Agricultural Loan Options in Kerala

Kisan Credit Card (KCC): Revolving credit for crop cultivation expenses
NABARD Farm Loans: For land development, irrigation, and farm infrastructure
Plantation Loans: For rubber, coconut, coffee, and spice plantation development
Allied Activities Loans: For dairy, poultry, fisheries, and beekeeping
Agri-Processing Loans: For food processing units linked to farm produce
Organic Farming Loans: For certified organic farming transition

Indicative Loan Parameters

Loan Type	Amount	Rate
Kisan Credit Card	Up to ₹3 Lakhs	4-7% (subsidised)
Farm Development Loan	₹5L-₹50L+	8-11% p.a.
Plantation Loan	₹10L-₹2Cr+	9-12% p.a.

All figures are indicative only. Interest subvention schemes may reduce effective rates. Verify with banks and NABARD before applying.

Key Eligibility for NRI Agricultural Loans

Must own agricultural land in Kerala (inherited or pre-NRI purchase)
Land must be in applicant's name or family member's name
Valid land documents (patta, title deed)
NRI status proof (passport, visa)
Income proof from abroad

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FAQs - Agricultural Loans in Kerala

Can NRIs get agricultural loans in Kerala?

NRIs who own agricultural land in Kerala (inherited or purchased before becoming NRI) can apply for agricultural loans from Indian banks. Kisan Credit Card, NABARD farm loans, and plantation loans are available. Land documents and NRI income proof are required. Interest subvention schemes may apply. Consult your bank and qualified financial advisors for eligibility and application guidance.

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Last Updated: March 2026 | Verify all information independently before making decisions.