Understanding Agricultural Loan
A loan for agriculture is a financial product designed to help farmers, traders, and agri-businesses throughout the agricultural cycle. Agricultural loans can help borrowers build the financial capacity, consistency, and competitiveness to manage input purchases, commodity storage, working capital, and the expansion of their operations.
We focus on fast processing, minimal documentation, and flexible repayment options through our NBFC loan offerings that are designed to fit your agricultural financing needs, aligned with crop cycles.
Recognizing Your Financing Need
The first step in the loan process is distinguishing why you need the loan. For instance, is the loan used for purchasing seed and fertilizers, checking the quality of food grains, or supporting your trading activities? At Kissandhan, we can help you assess your cash flow needs and place you in the most suitable agricultural loan, ensuring that this loan is both suitable for your operational needs and your repayment capacity.
Selecting an Appropriate Lending Partner
Having a reliable financial partner is very important. Kissandhan Agri Financial Services Pvt. Ltd. (Kissandhan) is a subsidiary of Sohan Lal Commodity Management Ltd (SLCM) – a market leading player in post-harvest agri-logistics. Kissandhan, provides a unique combination of comprehensive sectoral experience and transparent digital capability, allowing it to deliver simple and efficient financial solutions across India’s agri and allied sectors as part of the SLCM group. Kissandhan can be trusted as an experienced and reliable lending partner with its depth of experience, especially towards empowering rural consumers and agricultural value chain players.
Prepare your documentation
We have a straightforward and guided documentation process, designed to make access to credit simple and transparent. Our personnel will provide comprehensive assistance at each level in order to help ensure that your application is processed with little delay.
Application and verification
Kissandhan’s platform allows users to electronically submit a loan request through the “Need a Loan” portal. After submission, an assigned Relationship Manager contacts the user to confirm the details of the loan request. The platform offers speediness related to the loan disbursement, and it mentions that, once a request is approved, the loan could be disbursed in 48 hours or less.
Loan approval and disbursement
After a successful verification of your profile has occurred, your agricultural loan will be approved. Once your loan is approved, the disbursement is carried out swiftly. With Kissandhan, you are guaranteed to receive an explanation on interest rates, repayment terms, and schedules with transparency – no unexpected outcomes or conditions.
Kissandhan Financial Support
At Kissandhan Agri Financial Services, we are more than just a lender. We are a partner with a singular focus on empowering everyone in the agri value chain with a full range of financing products:
- Commodity-Based Finance (CBF): Loans secured by stored agricultural commodities, when you need liquidity the most.
- Warehouse Receipt Financing: Access working capital either through a warehouse receipt (you are not in distress, so no forced selling through financial trouble).
- Input Finance: Short-term credit for the purchase of seeds, fertilizer, and inputs that support timely planting and harvesting.
- Structured Commodity Finance: Specific to the agri-business lending space, targeted financing structures support your agri-business’s unique requirements.
- Agri Value Chain Finance: Supporting business from procurement through processing and trading.
- BC Partnership Lending: Expanding reach using trusted business correspondence.
- FPO Empowerment : Focused financial and advisory services directly to a Farmer-Producer Organization.
We apply technology-driven lending with the human touch to help make the borrowing process as simple as possible. With us, it is about more than lending: it is about rural empowerment and inclusive growth.
Empowering Rural India through Inclusive Finance
At Kissandhan, we do not simply consider access to finance as lending; it is about building an infrastructure for growth, dignity and opportunity. We are a wholly owned subsidiary of Sohan Lal Commodity Management Ltd (SLCM) – a market leader in post-harvest agri-logistics, bringing depth in sector expertise and group legacy to financial inclusion. We develop NBFC loan products that are designed for the realities of agriculture, for our primary customers – farmers, traders, FPOs and other agri stakeholders – while also ensuring transparency, minimal paper work and timely servicing. As an NBFC, we will do more than transactional, we will develop livelihoods, strengthen supply chains and develop resilience – guided by empathy, inclusion and transparency.
Accountable Repayment
We can assist you in developing repayment schedules to fit your income stream, whether it is seasonal or monthly. Timely engagement in repayment will not only prepare you for good financial discipline, but it will also prepare you for future credit opportunities, too.
Develop an Ongoing Partnership
Every NBFC loan is more than a loan; it is the foundation of a partnership. As your business grows, we will continue our relationship with comprehensive support, advice, new financing opportunities, and a long-term partnership.
Final thoughts
There is no reason an agricultural loan should be challenging in India. Given a trusted partner, good support, and a simple process, once you have the correct funding option(s), you will easily achieve your financial freedom as you grow your farm or agribusiness.
Kissandhan has a simple mission – we will ensure you receive the trust, innovation, and care for your agricultural goals.
Are you prepared to begin?
Contact Kissandhan Agri Financial Services today and take your first step towards a positive agricultural future.
