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December 10, 2025December 10, 2025

Agriculture Land Loans Simplified: Safe, Reliable Funding for Rural Needs

What Are Agriculture Land Loans?

Agriculture Land Loans are the loans which help people use their land or property to get money when they need it. At Kissandhan, this type of support is offered through the Jansamridhi Loan Micro LAP. It allows borrowers to take a loan by giving their land papers as security, while still keeping full ownership of the land. This loan is made for people in rural areas who need a simple and safe way to access funds with clear steps and proper checks.

Why Do Farmers Need Agriculture Land Loans?

Farmers are at risk of running out of money because of their seasonal incomes. They often will need funds to pay for their farming needs. They may need funds to expand existing farmland for higher crop production or even to consolidate fragmented land into a single, manageable farm. Agriculture Land Loans offer farmers the ability to get short-term funding to help them meet these needs quickly and securely.

Benefits of Agriculture Land Loans

Agriculture Land Loans offer many advantages. Borrowers can take up to ten years to fully repay their Agriculture Land Loan. Under the Jansamridhi Loan, borrowers can receive loans of up to twenty-five lakhs. Therefore, Agriculture Land Loans offer borrowers a great deal of flexibility. The processing time for these loans are very fast and the interest rates are very attractive. Only minimal documentation is needed for the Jansamridhi Loan thus reducing the burden on applicants.

Who Can Apply for Agriculture Land Loans?

To apply for this type of loan the applicant is required to provide the most basic document needed to sign and secure ownership. In addition, the applicant must provide KYC documents, property ownership documentation, bank account statements etc. Kissandhan will review the provided documentation and conduct a thorough valuation of the property before approving a mortgage for the applicant. Anyone with the right ownership documentation and the required documentation can easily apply for this type of loan.

Documents Required and Eligibility Criteria

In order to qualify for a Jansamridhi Loan, applicants must have at least 10,000 rupees monthly income and submit a filled-out application along with KYC documents, a recent photo, and documentation concerning their bank account(s) and property. For loan applicants who already have loans, they must provide copies of all loan agreements and business applicants may be required to furnish proof of having registered as an MSME (Medium Small and Medium Enterprises). Submitting these items verifies the applicant’s identity, income and ownership of assets; these are the central eligibility requirements for receiving a Jansamridhi Loan.

Why Choose Kissandhan for Agriculture Land Loans

Kissandhan is an RBI-regulated Non-Banking Financial Company. It is a wholly owned subsidiary of Sohan Lal Commodity Management Limited (SLCM), a post harvest agri-logistics services group, which offers agricultural financial products. Farmers and rural entrepreneurs tend to use Kissandhan because it provides custom-tailored financial products for agricultural businesses. Kissandhan has its own financing product called Jansamridhi loan, along with additional financial products, all giving access to credit using a variety of different types of property as collateral. The loan amounts from 2 lac to 25 lac and repayment terms of up to 10 years, which allow farmers and rural entrepreneurs to buy and improve their land, even when they do not have ample capital resources. In addition, they are well-known for quick approvals, limited documentation, and easy documentation. Being a non-banking financial company (NBFC), with a strong expertise in agrarian finance and an extensive presence in the rural areas of India, Kissandhan provides customer-oriented services and competitive interest rates, giving farmers a very trusted and accessible option for land-based financing.

How Kissandhan’s Agriculture Land Loans Work

Kissandhan uses a systematic assessment procedure to ensure that farmers get the correct funding for their requirements. Following the review of a borrower’s land records, income profile, capacity for repayment and purpose for loan use, Kissandhan carries out a credit assessment on borrowers’ property. Funding will be disbursed directly into the borrowers’ bank account after approval and funding of loans. Borrowers receive support from Kissandhan’s team, which provides banking and financial services even in remote locations where traditional banks and financial institutions may not be present.

About Kissandhan

We provide structured financial solutions to enterprises operating in the agricultural ecosystem. We are an RBI regulated non-banking financial company (NBFC) and a subsidiary of SLCM Group. We have built a presence in multiple Indian states and have facilitated a large number of loan disbursements. Kissandhan’s primary focus is on supporting organizations such as farmer producer organizations (FPO), processors, agribusiness micro, small and medium enterprises (MSME) and participants in the commodity eco-system by providing them with transparent, data-driven, operationally sound financial solutions. Our focus is based on their ability to identify challenges at the root level and provide scalable solutions based on a proven track record to support organizations to achieve their growth objectives.

Making Land Linked Decisions That Strengthen the Future

Investments in land require careful consideration and the support of a reliable financial institution. The use of Agricultural Land Loans gives organizations an opportunity to expand their business, construct facilities, and create value for many years into the future while allowing them to continue conducting business as usual. When working with an NBFC that specialises in agriculture and has extensive knowledge of the agriculture sector, it is possible to create significant value for an organisation through land investment.

If you are considering a land acquisition or developing a long-term strategy for your organisation, we would be happy to assist you in determining what type of finance is best for your needs. Contact us to discuss how we can help you.

November 27, 2025November 27, 2025

The Future of Agriculture Finance in India and Kissandhan’s Role by 2026

In recent years, there has been significant changes in Agriculture Finance due to increased digitisation, policy changes, and an increasing awareness of agriculture as a major driver of national economic resilience.

As we approach 2026, Agriculture Finance will have evolved further into a deeper level of financial inclusion, strengthened linkages between Harvest and Supply Chain, with Farmers, FPOs, etc. being more easily able to access Credit and Financial Products.

As Agriculture Finance continues to grow, Kissandhan will continue to develop and implement innovative solutions to the Financial Challenges being faced within the Agri Value Chain.

In a time of evolving Agricultural Finance, the sector is moving away from the traditional method of providing Seasonal Loans to providing Structured Financial Products that meet the needs of the Agri Value Chain. There is a greater demand for Liquid Financial Products that are available to Farmers, Aggregators, Processors, Warehouses and Small & Medium-size Enterprises (MSMEs).

Growing Preference Towards Collateral-Based and Commodity-Linked Financing

A key factor influencing the future of agri-finance is the trend toward the use of collateral-backed lending and commodity-based lending. Since agricultural commodities are liquid, have tangible market value and are driven largely by market price movements, they are well suited for structured lending models. This can reduce the lender’s risk and allow borrowers to have access to enough working capital at the optimal time. As India continues to expand its warehousing and storage capacities, commodity-linked financing will likely be even more important in 2026.

Kissandhan has been a pioneer in this transformation by creating our Commodity based lending programs, which provide timely and flexible access to credit for farmers, traders and agri-MSMEs by linking their financing with the commodities they store. By linking the financing of a borrower’s stored commodity, the borrower’s ability to avoid distress sales, obtain better price realization, and maintain more stability in their operations increases.

Credit Assessment is now Driven By Technology and Faster Disbursement

Digitisation of the Agri Finance industry will continuously evolve the industry with technology offering faster credit assessment, real-time credit monitoring and automation of documents. Lenders will be able to assess borrower creditworthiness more accurately. As a result of the above mentioned, lending institutions will be able to complete a borrower’s credit assessment in a shorter time, at a lower cost, and allow greater reach to rural areas where access to credit is particularly limited.

Kissandhan’s technology-based integrated approach of all the lending industry process owners (onboarding, documentation and risk management) allows the lending industry to provide their clients with quicker lending decisions, transparent loan pricing and consistent levels of service across all states. By 2026 technology will no longer only support lending institutions’ decision making processes but also allow lending institutions to customize loan products for various segments of the agri economy.

Increased Access to Credit for FPOs and Agri MSMEs

As FPOs grow to a more marketable size, the need for a structured banking solution that provides financing to support the aggregation, processing and distribution of products to the market becomes apparent. Further, agri MSMEs have the need for liquidity to finance their procurement, transportation and manufacturing of goods/products and to manage their inventory. With continued government support and increased participation of private enterprises in the agri finance sector, this segment of the economy will receive some of the fastest growth from the access to formal credit resources.

Kissandhan has developed specific products to provide support to these groups by providing specialized lending to FPOs for invoice discounting. This type of solution is used to fill cash flow gaps, facilitate smoother procurement cycles, and provide long-term stability to businesses. As demand increases, Kissandhan is dedicated to being a consistent and affordable source of financing for new agri-entrepreneurs across India.

Kissandhan also recognizes that agriculture in India is diverse, so requires multiple commodity-specific financing solutions across multiple geographical regions and seasons. By 2026, demand for diversified financing will continue to increase as a result of increased production, greater price volatility and expansion of allied industries. Kissandhan currently finances an array of commodities including cereals, pulses, oilseeds, spices, and fibres. These diversified portfolios of commodities allows for improved risk management, while enabling continued access to credit throughout the calendar year.

Conclusion

Kissandhan offers financing solutions focused on meeting the needs of each participant in the agriculture ecosystem, using technology-based processes and structured forms of credit. These may be obtained through transparent lending methods and responsible credit practices. We are committed to supporting farmers, FPOs, and agri enterprises in increasing their ability to grow with confidence as we approach 2026. We want to ensure that our financial solutions meet the needs of every farmer and agri enterprise.

To learn more about how we can support you, please reach out to a member of the Kissandhan team or visit our website.

October 16, 2025October 16, 2025

How Agri Finance Works in India: Simple Insights for Farmers

What is Agriculture Finance?

Agriculture finance refers to a specific range of financial services for the agricultural industry. This refers to financing options for farmers, agri-entrepreneurs, and others in the agricultural value chain. As an Non Banking Finance Company, we focus on ensuring that any farmer has access to a reliable way to receive financing that accommodates their unique financial circumstance.

Unlike conventional loans, agri finance has been designed bearing in mind that farms involve uncertain cash flows and risks. An employee in a salaried position typically receives a predictable monthly paycheck. On the other hand, a farmer must depend on seasonal cash flow that is often unpredictable because of the changing weather patterns that can’t always be anticipated, alongside the competition of market prices on a specific crop. The agricultural finance products are based around these realities, offering flexible repayment plans that relate to the farming cycle, including grace periods that reflect the growing period.

When farmers are able to use the correct financial products, they can spend money on high-quality seeds, modern equipment, irrigation, and adequate storage. The result would be higher productivity, lower post-harvest losses, and higher income stability for farm households. An Agricultural Finance Company helps fill that financial gap and provides timely access to the right products..

Types of Agricultural Finance

Kissandhan, which is a wholly owned subsidiary of Sohan Lal Commodity Management Ltd. (SLCM group), a Non-Banking Financial Company (NBFC) registered with the Reserve Bank of India (RBI), is a prominent Agri Finance Company offering a robust line of financial solutions at every stage in the agricultural life cycle.

Working Capital and Seasonal Loans

Farming begins with the provision of timely cash flow. Kissandhan provides short-term or working capital loans as a means to provide credit for seed, fertilizer, labor, irrigation, and other costs, with repayment tied to post-harvest revenues.

Agriculture Land Loans

Agriculture Land Loans provide long-term and flexible financing for farmers who want to access more farmland, invest in irrigation, or install additional farm infrastructure.

Commodity-Based Finance

Farmers can store their harvested produce in accredited warehouses, and warehouse receipts can then be collateralized to access financing, allowing the farmer time to make sales after meeting sale conditions that prefer outstanding sale conditions.

Equipment and Infrastructure Loans

Equipment and infrastructure loans support farmers to modernize, through the purchase of tractors, harvesters, farm machinery, warehouse and cold storage, and infrastructural agri-processing facilities.

FPO Financing

Loans for Farmer-Producer Organizations (FPOs) to enhance collaboration, strengthen mass farming, aggregation, and the collective procurement of agri-inputs.

Business Correspondent Lending

Kissandhan works alongside rural development partners deeply rooted in local communities to expand financial access to the last mile.

Jansamriddhi Loan (Micro LAP)

Loans against property give farmers and small businesses access to capital for working capital needs to support business growth.

Other Products

Kissandhan also has customized loans for agri-input dealers, traders, and processors covering every link in the value chain. As a whole, these solutions allow rural India to receive timely, transparent, and fair access to financial support.

The Role of NBFCs in Rural Finance

Non-Banking Financial Companies (NBFCs) are critical to closing the rural credit gap. Banks have always struggled, even with a relatively high number of branches, to actively reach rural agricultural communities. Banks require a lot of documents from a borrower, require a land mortgage to secure a loan, or take too long to approve a loan.

Entities like Kissandhan, a wholly owned subsidiary of SLCM, RBI-regulated NBFC and Agri Finance Company under the SLCM Group providing agri-focused financial solutions, are attempting to ease this this pain by creating products that are designed around the needs of farmers and agri community. We process loans quickly, have a limited amount of paperwork, and will take other types of collateral, paying attention to the lifecycle and local practices of the farmers. Our field officers are familiar with the farming practice and can speak in the language of the farmer, which helps our organization make financial services accessible.

About Kissandhan: Your Growth Partner

Kissandhan, a wholly owned subsidiary of SLCM, was started with one singular thought process – to create real financial inclusion for rural India. We are more than a finance company; we are partners with a genuine interest in the success of every farmer we work with.

We offer customers a comprehensive set of products, which includes Agriculture Land Loans, equipment financing, and lending through a business correspondent relationship. We provide liquidity solutions for growth through lending to farmers, Farmer-Producer Organizations (FPOs), and agri-businesses.

Kissandhan stands out by integrating technology, innovation, and agricultural know-how into its product offerings. Our focus is on digital platforms for fast and easy applications and disbursement. All our products are developed for the real needs of the farming community as easily as possible through simple terms, transparency, and speed of service.

The Road Ahead

The agricultural finance sector in India has changed quickly in recent years as digitized innovation, government regulations and increased financial literacy have increased the access of farmers to credit. The Government has implemented several important initiatives to uplift farmers, including the Kisan Credit Card (KCC) scheme, interest rate subsidy schemes for agricultural loans, and flagship schemes, such as PM-KISAN, targeted to foster small and marginal farmers. Companies, such as Kissandhan, have been at the forefront making financial services far more accessible, transparent, and farmer-centric than ever before.

Ready to Grow?

Kissandhan is ready to support you in your agricultural journey, whether it is expanding your landholding, purchasing new equipment, or obtaining working capital for next season.

Connect with us to see what the first step towards a stronger and more sustainable future behind the farm looks like.

October 10, 2025October 10, 2025

Step-by-Step Guide to Getting Agricultural Loans in India

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.

July 23, 2025July 23, 2025

How Kissandhan NBFC Loans Empower Farmers and FPOs across India

India’s agricultural sector is evolving fast—but one challenge continues to stand in the way of growth: easy access to finance. Farmers and FPOs (Farmer Producer Organizations) often struggle to get timely loans from traditional banks. That’s where Kissandhan, a trusted NBFC (Non-Banking Financial Company), steps in to fill the gap—offering fast, flexible, and farmer-friendly loan solutions.

Let’s explore how the Kissandhan NBFC model is transforming rural credit access for thousands across India.

1. What Is an NBFC and How Does It Help Farmers?

A Non-Banking Financial Company (NBFC) is a financial institution that offers services similar to banks—such as loans, credit, and asset financing—but without having a full banking license. NBFCs like Kissandhan are regulated by the RBI and have more flexibility in designing loan products that truly serve rural and agri-sector needs.

Unlike traditional banks, NBFCs are faster in processing loans, require less documentation, and offer customized financing options—especially useful for farmers and FPOs with seasonal income and non-standard financial histories.

2. Why Kissandhan NBFC Loans Are a Game-Changer for Agri Finance

Kissandhan is part of the SLCM Group, known for its innovation in agri-warehousing and commodity management. Kissandhan takes that agri expertise a step further by offering collateral-backed loans, lending to FPOs, Loan against property.

Here’s what sets Kissandhan apart:

Quick approvals with minimal paperwork
Loans even against stored commodities or warehouse receipts
Deep presence in rural and semi-urban India
Flexible repayment plans based on crop cycles

This unique NBFC model bridges the credit gap by offering loans tailored to agri needs, not just generic loan products.

3. Benefits of NBFC Loans for Farmers and FPOs

Whether you’re a smallholder farmer or a large FPO managing collective production, Kissandhan NBFC loans offer real advantages:

✅ Faster Disbursement – Time is money during sowing and harvesting. NBFC loans move quicker than bank loans.
✅ Easy Eligibility – Less rigid requirements than traditional banking.
✅ Commodity-Based Loans – Farmers can use their agri produce as collateral, without selling it in distress.
✅ Support for FPOs – Tailored financial support for collective farming groups.
✅ No Hidden Charges – Transparent processing and no surprise costs.

These benefits translate into financial freedom and better planning for agri stakeholders.

4. The Simple Process of Getting a Loan from Kissandhan

One of the biggest fears among rural borrowers is complex loan procedures. Kissandhan changes that with a simple 4-step process:

Enquiry: Farmers or FPOs can reach out online or through a nearby representative.
Documentation: Minimal paperwork, often requiring just ID proof, land records, and storage receipts (if applicable).
Verification: Quick checks done digitally or via field staff.
Approval & Disbursement: Funds are disbursed directly to the account—fast, secure, and transparent.

With support available in local languages and rural-friendly boarding, Kissandhan makes the loan journey smooth and worry-free.

5. Real Impact: How Kissandhan Is Supporting India's Agri Backbone

Thousands of farmers have already benefited from Kissandhan NBFC loans. From helping a marginal farmer in Bihar store his wheat for a better price to enabling an FPO in Madhya Pradesh to buy inputs in bulk, the real-world stories are powerful.

By solving working capital issues, Kissandhan financing helps:

Prevent distress selling
Improve input affordability
Enable better price realization
Strengthen collective farming efforts

The ripple effect? Higher incomes, stronger communities, and a more resilient rural economy.

Conclusion: Kissandhan – Your Trusted Partner in Rural Credit

In a world where farmers and FPOs often find themselves underserved by traditional finance, Kissandhan NBFC model offers hope, speed, and empowerment. Whether you need a quick loan to buy seeds or want to leverage your stored grain, Kissandhan is here to help.

🌾 Ready to grow your agri business with smart financing?
👉 Visit https://kissandhan.com and apply for a loan today!

Kissandhan Agri Financial Services Pvt. Ltd.

+91– 7290 069 819