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Loan Products

Farm loans are meant to provide farmers with the essential financial aid that helps in carrying out farming or agricultural and related activities. The loan application and approval process under this category is very simple with minimum formalities. Have a glance at the various kinds of loan schemes under this farm loan sector.

NORMAL LENDING (Ordinary Loan)

This is an ordinary farm loan, offering Rs. 3.0 lakhs for all agricultural purposes for a repayment period of 5 to 10 years. One has to be eligible as per the current norms of the society.

Other terms and conditions apply. To know the latest please contact your nearest branch.

FARM SECTOR SCHEME

This is a Rs.1 crore offered loan scheme under which the loan can be granted for all agricultural purposes like (Floriculture, Medicinal Plants, Fisheries, Ornamental Fisheries, Bio-gas, Apiary, Agricultural Machinery or Processing Equipment, Godowns, Warehousing etc.). This loan requires repayment within 3 to 15 years, and it has a grace period, depending on purpose.

Other terms and conditions apply. To know the latest please contact your nearest branch.

AGRICULTURAL LAND PURCHASE SCHEME

This scheme grants Rs. 1 crore for the purpose of agricultural land purchase and includes 50% recovery under the said scheme for eligibility. The repayment period of this loan is up to 8 years, and the grace period is up to 24 months.

Other terms and conditions apply. To know the latest please contact your nearest branch.

HOMESTEAD FARMING

This is a loan scheme contains Rs. 5.0 lakhs as the loan amount for all agricultural purposes. The loan amount has to be repaid within a period of 3 to 7 years and with minimum 50% land value.

Other terms and conditions apply. To know the latest please contact your nearest branch.

AGRI-CLINICS AND AGRI-BUSINESS CENTERS

This scheme guarantees a financial aid of Rs. 20.0 lakhs for the establishment of agri-clinics and agri-business centres with the goal of creating self-employment opportunities for unemployed agricultural graduates. This scheme also provides expert advice and services to farmers.

Other terms and conditions apply. To know the latest please contact your nearest branch.

TWO-WHEELERS LOANS SCHEME

This is the vehicle loan, which allows you to borrow up to 80% of the total cost of a new vehicle. This is intended to help agriculturists with cost-effective transportation. The loan has to be repaid within 2 to 5 years. 20% is the borrower's margin for this loan scheme. It demands 100% of the land value and hypothecation of the vehicle as security in order to sanction the loan.

Other terms and conditions apply. To know the latest please contact your nearest branch.

Joint Liability Group loan

This is a group loan of up to Rs. 50,000 per person for all purposes except housing. It has to be repaid within 3 to 5 years.

Terms and condition Apply .
Kindly contact our nearest branch to know about the our products and eligibility criteria.

Other terms and conditions apply. To know the latest please contact your nearest branch.

Personal Loan

Sandhi Multistate
Agro Purpose Cooperative Society

A personal loan is an unsecured form of credit that can be availed to fulfill any financial requirement. A personal loan unlike other kinds of credit, comprises a simpler eligibility criteria, special offers, and competitive interest rates. The unrestricted end-use makes it a convenient option for immediate expenses. Whether it is funding your next foreign trip, buying a gadget, renovating your home, or meeting medical expenses, a personal loan is your ultimate respite. At Sandhi Multistate, we connect you with the best lending partners across India. Pick from the best lenders basis your convenience and avail the most lucrative personal loan deals.

Features & Benefits-

  • 1.   Maximum Loan Tenure: 2 Years.
  • 2.   Avail loan up to 50 percent of Project Cost.
  • 3.   Loan available at an attractive ROI of 18 % pm.
  • 4.   Term Loan and HL overdraft facility available.
  • 5.   Minimum documentation and quick disbursal.
  • 6.   Easy Payment Options.
  • 7   ATL - Anytime Liquidity.
Mortgage Loan (Farmer Home Loan)

Sandhi Multistate
Agro Purpose Cooperative Society

A mortgage loan, or simply mortgage, is used either by purchasers of real property to raise funds to buy real estate, or alternatively by existing property owners to raise funds for any purpose, while putting a lien on the property being mortgaged. Mortgage loans are also known as or claims on property, Loan against Property, Loan on Property or liens against property. In case, you stop repaying your mortgage loan, the lender/bank has the complete right to possession and sell the secured property. A mortgage loan involves the following components - Principal, Interest, Tax and Insurance. Principal is the amount you actually borrow from your lender. Interest is the reward your lender receives for lending you the money. The interest rate plays a major role in increasing the size of your mortgage loan.

Our specialty of Mortgage loan-

  • 1.   We provide maximum amount of loan/gram in the industry. Currently loan to value (LTV) is up to 80%.
  • 2.   Charging interest only for loan availed days.
  • 3.   Online Repayment facility is available.
  • 4.   Personalized service to all the customers.
  • 5.   You may avail maximum amount/gram in lower interest rate which is the best in the industry.
Loan Against Investment

Sandhi Multistate
Agro Purpose Cooperative Society

Loan against (Multiple Investment Plans) is a type of secured loan where customers can pledge their Multiple Investment Plans as security and get a loan in return. The amount of loan depends on the Multiple Investment Plans amount. The processing fee charged for this loan is low compared to personal loans. Sometimes, banks waive off the processing fee. As this is a secured loan, the lender may or may not want to know if you have the cash flow to repay it. Get a Loan against investment from Sandhi Multistate Agro Purpose Cooperative Society for your cash requirements without having to liquidate your Investment. In just 24 working hours, A hassle-free application process and guaranteed approval means that your get the funds your require without delay. Apply for a Loan Against investment for the best solution to your financial needs, from holidays, to weddings, to making a large purchase, to emergencies.

Features & Benefits-

  • 1.   Low interest Rate.
  • 2.   Low Processing fee.
  • 3.   No need to break investment.
  • 4.   Repayment in installment.
  • 5.   Quick loan Disbursal.
Group Loan (SHG Loan)

Sandhi Multistate
Agro Purpose Cooperative Society

We all have aspirations and dreams to accomplish and many a time it so happens that we end up compromising. Further, one of the biggest hurdles faced by women is raising funds for a business idea. The business idea could be as simple as opening a small shop or getting involved in several other small activities. In an unfortunate scenario, many firms refuse to give loans to women owing to their low income. Understanding these needs of women, Sandhi Multistate Agro Purpose Cooperative Society offers Solidarity Group Loan which empowers rural women, who can form a group and avail the financial aid without worrying about their income. Our Solidarity Group Loan is a special offering for women that gives them an opportunity to pursue their dreams and become financially independent.

Features & Benefits-

  • 1.   All resident Individuals Self-employed can avail as a Group.
  • 2.   To build mutual trust and confidence between the bankers and the rural/ urban poor.
  • 3.   Pre-Mature Closure is allowed, subject to applicable charges.
  • 4.   Simple Documentation. Easy EMI payments Option.
  • 5.   CIBIL deviation allowed on satisfactory justification.