Public Sector BankRBI Priority Sector Lending
State Bank of India (SBI) Agri Gold Loan
भारतीय स्टेट बैंक (एसबीआई) कृषि स्वर्ण ऋण — Agricultural Gold Loan Dossier
SBI Agri Gold Loan provides instant seasonal working capital for crop cultivation, fertilizer purchase, and farm equipment servicing against gold ornaments at subsidized priority sector interest rates.
Concessional Rate7.25% p.a.PSL Subsidized
Maximum LTV75%Of market gold value
Max LimitUp to ₹50,00,000Per farmer borrower
Disbursement30 to 45 minutes across 22,000+ branchesRapid counter release
Official SBI Agri Gold Customer Care:Toll-Free Helpline: 1800-11-2211
Key Agricultural Lending Advantages
Lowest statutory interest rates in the industry under RBI agricultural lending mandate.
Bullet repayment allows repayment strictly after the harvest crop auction.
Jewelry stored in high-security bank vaults with full insurance cover at bank cost.
Harvest-Aligned Repayment Modes
Option 1
Bullet Repayment at Maturity (12 Months)
Option 2
Monthly Interest with Principal at End
Option 3
Demand EMI Option
Mandatory Agricultural Documentation
Carry these simple documents to your nearest branch to secure the 7% concessional Priority Sector Lending rate:
1Two passport size photographs
2Aadhaar card & PAN card
3Proof of agricultural land (7/12 extract, Khasra, Chitta, or Patta passbook)
4Crop cultivation declaration signed by farmer
Scheme Specifications
Interest Rate:7.25% to 7.75% p.a. (Priority Sector Subsidized)
Max Loan Amount:Up to ₹50,00,000
Max LTV:75%
Processing Fee:Nil for loans up to ₹3 Lakhs; 0.25% for higher limits
Tenure:12 Months
Compare Other Agri Gold Lenders
FAQ
Frequently Asked Questions on SBI Agri Gold
State Bank of India (SBI) Agri Gold Loan offers a concessional interest rate of 7.25% to 7.75% p.a. (Priority Sector Subsidized) 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, SBI 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.