Pledge Loan

Secure funding against stored agricultural commodities

Struggling with cash flow after harvest?

The Pledge Loan lets you unlock the value of your stored crops without rushing into distress sales. Get up to ₹50 lakh at competitive rates, secure your produce in accredited warehouses, and manage your working capital with ease—because your hard work deserves the best returns!

Apply For Loan

Pledge Loan Calculator

Loan Amount

₹

100Cr

Tenure (months)

Months

480

Interest Rate

30%

Monthly EMI

₹0.00

Interest Payable

₹0.00

Disclaimer: The calculator provides estimated EMI; actual figures will be as per RBI guideline. Final calculations will be available at the branch. Floating / Fixed ROI will be available based on customers requirement.

Apply For Loan

Features & Benefits of Pledge Loan

High Loan Amount

Get up to ₹50 lakh based on the value of commodities

Flexible Tenure

Loan repayment period of up to 6 months, aligned with the commodity’s shelf life

Simple Eligibility Criteria

Available to farmers with agricultural land and satisfactory CIBIL records

Eligibility Criteria of Pledge Loan

Farmers having own agricultural land.
Crop as per 7/12 extract of farmers will only be considered.
If the respective crop not mentioned on 7/12 extract, a certificate from Talathi certifying the farmer produces the said crop in his farm to be obtained.
Agri Commodities of traders will not be considered.
Satisfactory CIBIL
ITR along with Balance sheet & Profit & Loss (if applicable)

Documents needed for Pledge Loan

Loan Application in bank’s prescribed format
KYC documents
7/12 Extract or Certificate from Talathi
ITR & Financial statements (if applicable)
Bank statements for last 1 year
Existing Loan sanction letters & statements for last 1 year (if applicable)
Godown Details
Lease Agreement of Godown

Frequently Asked Questions

Farmers who own agricultural land and cultivate crops as per the 7/12 extract or a certificate from the Talathi confirming the crop produced on their farm.

Farmers can avail up to ₹50 lakh, based on 60-75%* of the commodity’s value, determined by government-approved mandi prices, NCDEX rates, or the Minimum Support Price (MSP).

The loan provides immediate working capital, helping farmers avoid distress sales, repay crop loans on time, and manage expenses while waiting for better market prices.

Agricultural commodities like pulses, turmeric, maize, corn, wheat, and others stored in accredited warehouses with valid receipts (CAR/SR/WHR) are accepted.

The loan tenure is up to 6 months, based on the shelf life of the stored commodity. Interest is charged at 10%* p.a., excluding warehouse and collateral management charges.