Agricultural Term Loan - ATL (Investment Credit)


Cultivation of Plantation and Horticulture crops, Plough Bullocks, Minor Irrigation, Land Development etc.

Target Group

Individuals (singly or jointly), Farmers, Agricultural labourers, Self-Help Groups (SHGs) and Joint Liability Groups (JLGs).


Minimum 21 years ; Maximum: 65 years

Loan Amount

Depends on indicative unit cost and scale of finance, etc.


  • For loan up to Rs. 1,00,000/- No Margin
  • For loan above Rs. 1, 00,000/- 15% to 20% of total project cost.

Interest Rate

  • As per Bank's guidelines