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Product - Rural Banking Product - Rural Banking

Rural Banking

Ujjivan Bank agriculture loans provide holistic solutions to farmers for their agricultural and allied activity requirements. We have collateral free solutions which can be categorized into Group Loans and Individual Loans , ranging from `30,000 to `2,00,000. The focus of these solutions is to provide timely credit with quick and hassle-free processing and simplified documentation.

Group Loan

1. Ujjivan Bank Agri Group Loan

These are purpose-based loans given at moderate rates under Joint Liability Group (JLG) model. It covers following allied agri activities:

  • Features:

    • Cattle Maintenance/ Purchase
    • Sericulture
    • Tractor Maintenance / Equipment Purchase


  • Eligibility :

    Loan Amount: `30,000 – `60,000

    Loan Tenure : 24 months

    Rate of Interest : 22% p.a on a reducing balance method (governed by the MCLR based pricing policy of the bank)

    Processing Fee : 1% of loan amount (excluding applicable GST)

    Credit Bureau Charges : `20 (including applicable GST)


Individual Loan

2. Ujjivan Bank Kisan Suvidha Loan

Purpose -based loans given to farmers for an array of agricultural and allied activities. Flexi repayment options are available as per activity cash flow. Following activities are covered under the program:

    • Dairy
    • Sericulture
    • Post-Harvest Transportation Purchase
    • Farm Implements Purchase
    • Fishery
    • Vegetable Farm Maintenance
    • Coconut Farm Maintenance
    • Mushroom Farming
    • Sheep Rearing
    • Mushroom Farming
    • Floriculture
    • Apiculture


  • Eligibility :

    Loan Amount: `60,000 – `2,00,000

    Loan Tenure : 24 months

    Rate of Interest : 23.25% p.a on a reducing balance method (governed by the MCLR based pricing policy of the bank)

    Processing Fee : 1% of loan amount (excluding applicable GST)

    Credit Bureau Charges : `20 (including applicable GST)

    Stamp duty : As per state act


Business Correspondent Outlets

Working Hours – 9am- 6pm

Services provided here:

  • Cash Withdrawal

  • Cash Deposit

  • Mini Statement

  • Premature Closure and Partial Withdrawal facility allowed

  • Balance Enquiry

Please Note- No additional charges or fees to be paid for any services provided here

Transaction Limits

Type of transaction Per transaction limit Daily limit
Cash deposit 10,000 10,000
Cash withdrawal 5,000 5,000

Dos & Don’ts

  • Always collect transaction receipts

  • Never share your debit card PIN

  • It is advisable to check the transaction notification on registered mobile number

  • The Business correspondent Agent (BCA)will never ask for your CVV, expiry date and PIN for your debit card

  • The BCA will never ask you for a service charge

  • Do not allow a stranger or any other person to do the transaction on your behalf

  • The BCA does not have the authority to grant a loan

  • Never leave the BC Outlet till the transaction is completed

  • Never keep PIN and debit card together

  • It is advisable to frequently change your PIN

  • Do not leave your Passbook, Cheque book, ATM card with BCA

  • Do not lend money to BCA or borrow money from BCA. Bank is not responsible for any Personal financial lending or borrowings done to or from BCA by customers

  • Register your mobile number with bank to receive transaction alerts