Private Commercial BankRBI Priority Sector Lending
ICICI Bank Agri Gold Overdraft & Loan
आईसीआईसीआई बैंक कृषि स्वर्ण ऋण — Agricultural Gold Loan Dossier
ICICI Bank Agri Gold facility provides modern revolving credit for commercial cultivators, dairy operators, and agri-entrepreneurs across India.
Concessional Rate8.1% p.a.PSL Subsidized
Maximum LTV75%Of market gold value
Max LimitUp to ₹1,00,00,000Per farmer borrower
DisbursementInstant sanction for pre-approved customers (20 mins)Rapid counter release
Official ICICI Agri Gold Customer Care:Toll-Free Helpline: 1800-1080
Key Agricultural Lending Advantages
Unique Overdraft structure: Borrow only when spraying or harvesting, save interest when idle.
High sanction ticket sizes up to ₹1 Crore for commercial horticulture and polyhouse farmers.
Digital interest payments via iMobile and UPI.
Harvest-Aligned Repayment Modes
Option 1
Annual Bullet Repayment
Option 2
Flexible Overdraft (Pay interest only on utilized limit)
Mandatory Agricultural Documentation
Carry these simple documents to your nearest branch to secure the 7% concessional Priority Sector Lending rate:
1Aadhaar card
2Land revenue certificate or crop sale receipt
3Gold jewelry for valuation
Scheme Specifications
Interest Rate:8.10% to 8.75% p.a.
Max Loan Amount:Up to ₹1,00,00,000
Max LTV:75%
Processing Fee:0.50% + GST
Tenure:12 Months
Compare Other Agri Gold Lenders
FAQ
Frequently Asked Questions on ICICI Agri Gold
ICICI Bank Agri Gold Overdraft & Loan offers a concessional interest rate of 8.10% to 8.75% p.a. for agricultural borrowers, provided basic agricultural land documents (7/12 extract, Khasra, or crop sowing certificate) are furnished.
Loans are typically sanctioned for a tenure of 12 months with flexible Bullet Repayment options, allowing the farmer to repay both the principal and accrued interest at one go after the harvest crop auction.
In accordance with RBI directions, ICICI Agri Gold sanctions up to 75% of the net market value of hallmarked 22K/24K gold jewelry, appraised electronically in the branch.
Tenant farmers, sharecroppers, and oral lessees can still qualify by submitting a self-undertaking of cultivation countersigned by the local Village Panchayat Sarpanch or Agriculture Assistant, or by enrolling under the bank's allied agri-credit category.