Nabkisan Finance Limited
RBI-पंजीकृत NBFC, जो NABARD और राज्य सरकारों की इक्विटी के तहत है, और किसान उत्पादक संगठनों, कृषि स्टार्टअप्स और ग्रामीण उद्यमों को ऋण देती है।
Nabkisan Finance Limited at a glance
| Established | 1997 |
|---|---|
| Address | 48, Ground Floor, NABARD TNRO Building, Mahatma Gandhi Road, Nungambakkam, Chennai – 600 034 |
| Programmes | 6 standing programmes |
| Official website | www.nabkisan.org |
| finance@nabkisan.org |
Programs Nabkisan Finance Limited supports
Programs this organisation funds, run by others. · 1 open now · 0 past
Which Nabkisan Finance Limited programme fits you
6 programmes compared by who they are for, the stage they accept, how long they run and what they cost.
| Programme | Best for | Stage | Duration | Format | Cost |
|---|---|---|---|---|---|
| Agri Startup Loan | Agri and rural start-ups with an established business model | — | Up to 18 months for working capital; up to 7 years for term loans, including any moratorium | — | — |
| FPO Loan | Farmer producer organisations and their federations | — | Up to 18 months for working capital; up to 7 years for term loans, including any moratorium | — | — |
| PACS Loan | Primary agricultural credit societies and similar societies | — | Up to 7 years | — | — |
| Direct Lending to Individuals | Farmers and individuals in agriculture and allied activities | — | Production credit matches the harvest and marketing period; term loans run from 18 months to 7 years | — | — |
| NBFC & Companies | Non-banking finance companies that lend in rural and agri sectors | — | Up to 5 years | — | — |
| Microfinance Institutions | Microfinance institutions lending to self-help and joint liability groups | — | Up to 3 years | — | — |
Programmes they run
Standing programmes at Nabkisan Finance Limited, separate from the funding calls above.
Term and working-capital loans for agriculture and rural start-ups that directly benefit farmers or FPOs.
Best for: Agri and rural start-ups with an established business model
- Up to 18 months for working capital; up to 7 years for term loans, including any moratorium
What you get, who can apply and how to applyHide details
The agri start-up loan is NABKISAN's product for start-ups in agriculture and rural development that already have an established business model and want to scale.
What you get
- Direct finance for value chain financing, green finance, water, sanitation and hygiene, rural infrastructure, logistics, and food or agro processing
- Working-capital and term loans, with repayment periods set by the purpose of the loan
Who can apply
- Private limited companies registered with DPIIT certification
- At least 51% Indian promoter shareholding
- No pending dues and not blacklisted by any government agency
- Start-ups that directly benefit farmers or FPOs through services such as financing linkages
How selection works: Loans are sanctioned on need and on NABKISAN's credit appraisal. The company funds up to a set share of the project cost, and the founders bring in the rest.
How to apply: Use the Apply For Loan link on the website, or write to finance@nabkisan.org.
FPO Loan
LoanWorking capital, term, pledge and growth loans for farmer producer organisations.
Best for: Farmer producer organisations and their federations
- Up to 18 months for working capital; up to 7 years for term loans, including any moratorium
What you get, who can apply and how to applyHide details
NABKISAN lends to farmer producer organisations for procurement, aggregation, value addition and common infrastructure.
What you get
- Working capital loans for input procurement, sale and collective marketing
- Term loans for common infrastructure for agriculture and processing
- Pledge loans against electronic negotiable warehouse receipts
- Growth loans for procurement and aggregation, including trade receivable financing
Who can apply
- Farmer producer organisations incorporated at least six months before applying
- Audited balance sheet as on the date of application
- A regular CEO in place and a business plan for at least one year
- Rated A+, A, B+, B or C+ on NABKISAN's rating tool
How selection works: Applications are assessed on the organisation's rating, its records and its plan. Collateral-free loans are available where credit guarantee schemes cover the loan.
How to apply: Use the Apply for FPO Loan link on the website, or write to finance@nabkisan.org.
PACS Loan
LoanWorking capital and term loans for primary agricultural credit societies.
Best for: Primary agricultural credit societies and similar societies
- Up to 7 years
What you get, who can apply and how to applyHide details
NABKISAN lends to primary agricultural credit societies, which it describes as one of the legal forms of producer organisations.
What you get
- Working capital, term loans or a mix of both
- Support for diversifying into custom hiring, collective input purchase, storage and processing
Who can apply
- Societies in profit for the last three years with no accumulated losses
- Audit classification A or B; category C societies are considered case by case with full security
- Sufficient borrowing power under their own rules
How selection works: Security depends on the audit category, and can include mortgage or hypothecation of assets and liens on fixed deposits.
How to apply: Contact NABKISAN through the website or at finance@nabkisan.org.
Working capital and term loans for farmers and individuals in agriculture and allied activities.
Best for: Farmers and individuals in agriculture and allied activities
- Production credit matches the harvest and marketing period; term loans run from 18 months to 7 years
What you get, who can apply and how to applyHide details
NABKISAN lends directly to farmers and individuals engaged in agriculture and allied activities.
What you get
- Short-term credit for crop cultivation and post-harvest expenses
- Produce marketing loans and working capital for farm asset maintenance
- Term loans for investment in agriculture and allied activities
Who can apply
- Farmers including landless, share croppers, tenant farmers, oral lessees, SHGs, SHG Federations, JLGs and individuals
- A score of at least 600 out of 1000 on NABKISAN's rating framework
- A co-borrower who is a legal heir or immediate family member, if the primary applicant is over 60
How selection works: The rating uses credit bureau data, bank statement analysis, a farm risk report and a field officer assessment.
How to apply: Use the Apply For Loan link on the website.
NBFC & Companies
LoanTerm and working-capital loans for non-banking finance companies, except microfinance institutions, that on-lend in rural and agri sectors.
Best for: Non-banking finance companies that lend in rural and agri sectors
- Up to 5 years
What you get, who can apply and how to applyHide details
NABKISAN lends to non-banking finance companies, other than microfinance institutions, that on-lend to customers in agriculture, allied activities, SME, rural housing, renewable energy and similar sectors.
Who can apply
- In existence for at least two years, with a shorter period considered for subsidiaries of established institutions
- Profit in the last audited year, with exceptions for focus segments
- Credit rating from an RBI-accredited agency, not below BBB minus, with a lower threshold for focus segments
- Internal category between NKR1 and NKR6
How selection works: Security includes hypothecation of book debts, demand promissory notes and personal guarantees of promoters. Repayment can run up to five years.
How to apply: Contact NABKISAN through the website or at corporate@nabkisan.org.
Working capital and term loans for microfinance institutions that lend to self-help groups and joint liability groups.
Best for: Microfinance institutions lending to self-help and joint liability groups
- Up to 3 years
What you get, who can apply and how to applyHide details
NABKISAN lends to microfinance institutions that on-lend to self-help groups, joint liability groups, other groups and individuals, and their federations.
Who can apply
- In existence for at least three years, with one year considered for subsidiaries of established institutions
- Profit in the last audited year
- Rated by an RBI-accredited agency, with a minimum grading from the rating agency
- No active default to lenders
How selection works: Security includes hypothecation of standard book debts, cash collateral or guarantees.
How to apply: Contact NABKISAN through the website or at corporate@nabkisan.org.
How to apply to Nabkisan Finance Limited
सही उत्पाद चुनना
- स्थापित व्यवसाय मॉडल, DPIIT प्रमाणन और private limited संरचना वाले कृषि स्टार्टअप्स को कृषि स्टार्टअप ऋण देखना चाहिए।
- किसान उत्पादक संगठनों को FPO ऋण देखना चाहिए। यह working capital, term, pledge और growth finance को कवर करता है।
- प्राथमिक कृषि ऋण समितियों का अपना ऋण पेज है, अलग पात्रता के साथ।
- गैर-बैंकिंग वित्त कंपनियों और माइक्रोफाइनेंस संस्थाओं के लिए हर एक का अलग पेज है, अपने मानदंडों के साथ।
आवेदन कैसे करें
- आवेदन शुरू करने के लिए वेबसाइट पर Apply For Loan लिंक का उपयोग करें।
- पंजीकृत कार्यालय के लिए finance@nabkisan.org पर, या कॉर्पोरेट कार्यालय के लिए corporate@nabkisan.org पर लिखें।
- ऑडिटेड खाते, निगमन दस्तावेज़ और एक बिज़नेस प्लान तैयार रखें। ज़्यादातर उत्पाद पेज इन्हें माँगते हैं।
चयन कैसे काम करता है
- ऋण NABKISAN के अपने क्रेडिट मानदंडों और रेटिंग टूल्स पर मूल्यांकित किए जाते हैं।
- सिक्योरिटी उत्पाद पर निर्भर करती है, और इसमें परिसंपत्तियों पर hypothecation और प्रमोटरों की व्यक्तिगत गारंटी शामिल हो सकती है।
- ब्याज और प्रोसेसिंग शुल्क कंपनी की नीति का पालन करते हैं और स्वीकृति के समय पुष्टि होती है।
About Nabkisan Finance Limited
NABKISAN Finance Limited (NKFL) Reserve Bank of India द्वारा अधिसूचित एक गैर-बैंकिंग वित्त कंपनी है। इसका मुख्यालय चेन्नई में है, और कॉर्पोरेट कार्यालय मुंबई में है। यह कृषि और ग्रामीण उद्यमों से जुड़े संगठनों और व्यक्तियों को ऋण देती है।
कंपनी 1997 में अपने पूर्व नाम Agri Development Finance (Tamil Nadu) Limited के तहत निगमित हुई थी। इसका इतिहास 1997 से NABARD द्वारा स्थापित दो सहायक कंपनियों तक जाता है। दोनों दिसंबर 2025 में विलय हो गईं, और संयुक्त कंपनी NABKISAN के नाम से व्यापार करती है।
ऋण कैसे काम करता है
NABKISAN कृषि मूल्य श्रृंखला भर में ऋण देता है। इसके उत्पाद किसान उत्पादक संगठनों, प्राथमिक कृषि ऋण समितियों, व्यक्तिगत किसानों, कृषि स्टार्टअप्स, गैर-बैंकिंग वित्त कंपनियों और माइक्रोफाइनेंस संस्थाओं को कवर करते हैं। शर्तें, ब्याज और प्रोसेसिंग शुल्क कंपनी की अपनी नीति के अनुसार तय होते हैं और उधारकर्ता के अनुसार अलग-अलग होते हैं।
कौन आवेदन कर सकता है
किसान उत्पादक संगठनों को आवेदन से कम से कम छह महीने पहले निगमित होना चाहिए और उनके पास ऑडिटेड बैलेंस शीट होनी चाहिए। कृषि स्टार्टअप्स को DPIIT प्रमाणन के साथ private limited company के रूप में पंजीकृत होना चाहिए और उनमें कम से कम 51% भारतीय प्रमोटर शेयरधारिता होनी चाहिए। व्यक्तिगत किसानों, स्वयं सहायता समूहों और संयुक्त देयता समूहों को सीधे ऋण के ज़रिए सेवा दी जाती है। गैर-बैंकिंग वित्त कंपनियाँ और माइक्रोफाइनेंस संस्थाएँ अपने अलग ट्रैक पर आवेदन करती हैं।
पैमाना और पहुँच
कंपनी बताती है कि उसके 24 राज्यों और 5 केंद्र शासित प्रदेशों में प्रत्यक्ष ऋण संचालन हैं। इसका होम पेज इसे किसान उत्पादक संगठनों के बड़े ऋणदाता के रूप में वर्णित करता है, और FPO ऋणों की संख्या तथा पहुँचे गए किसानों की संख्या बताता है। ये स्व-रिपोर्ट किए गए आंकड़े हैं, और साइट पर किसी स्वतंत्र ऑडिट का उल्लेख नहीं है।
इसे कौन चलाता है
इक्विटी भागीदारी NABARD, तमिलनाडु सरकार, आंध्र प्रदेश सरकार, तेलंगाना सरकार, कई सार्वजनिक और निजी बैंकों, और कुछ कॉर्पोरेट्स व व्यक्तियों से आती है। कंपनी कहती है कि वह रियायती वित्त पहुँचाने के लिए प्रवर्तक संस्थानों और राज्य सरकारों के साथ काम करती है।
स्थान
पंजीकृत कार्यालय चेन्नई के Nungambakkam में है। कॉर्पोरेट कार्यालय मुंबई में Bandra Kurla Complex में NABARD के मुख्य कार्यालय में है।
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Frequently asked questions about Nabkisan Finance Limited
What is Nabkisan Finance Limited?
Nabkisan Finance Limited is a corporate based in Chennai, Tamil Nadu.
What does Nabkisan Finance Limited do?
NABKISAN Finance Limited (NKFL) Reserve Bank of India द्वारा अधिसूचित एक गैर-बैंकिंग वित्त कंपनी है। इसका मुख्यालय चेन्नई में है, और कॉर्पोरेट कार्यालय मुंबई में है। यह कृषि और ग्रामीण उद्यमों से जुड़े संगठनों और व्यक्तियों को ऋण देती है। कंपनी 1997 में अपने पूर्व नाम Agri Development Finance (Tamil Nadu) Limited के तह…
Where is Nabkisan Finance Limited located?
Nabkisan Finance Limited is located at 48, Ground Floor, NABARD TNRO Building, Mahatma Gandhi Road, Nungambakkam, Chennai – 600 034.
What programs does Nabkisan Finance Limited run?
Nabkisan Finance Limited runs Agri Startup Loan, FPO Loan, PACS Loan and Direct Lending to Individuals, among others.
How do I apply to Nabkisan Finance Limited?
- स्थापित व्यवसाय मॉडल, DPIIT प्रमाणन और private limited संरचना वाले कृषि स्टार्टअप्स को कृषि स्टार्टअप ऋण देखना चाहिए। - किसान उत्पादक संगठनों को FPO ऋण देखना चाहिए। यह working capital, term, pledge और growth finance को कवर करता है। - प्राथमिक कृषि ऋण समितियों का अपना ऋण पेज है, अलग पात्रता के साथ। - गैर-बैंकिंग वित्त कंपनियों और माइक्रोफाइनेंस संस्थाओं के लिए हर एक का अलग पेज है, अपने मानदंडों क…
When was Nabkisan Finance Limited founded?
Nabkisan Finance Limited was founded in 1997. It is a corporate.
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