Nabkisan Finance Limited
An RBI-registered NBFC under NABARD and state-government equity that lends to farmer producer organisations, agri start-ups and rural enterprises.
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
Choosing the right product
- Agri start-ups with an established business model, DPIIT certification and a private limited structure should look at the agri start-up loan.
- Farmer producer organisations should look at the FPO loan. It covers working capital, term, pledge and growth finance.
- Primary agricultural credit societies have their own loan page with separate eligibility.
- Non-banking finance companies and microfinance institutions each have a separate page with their own criteria.
How to apply
- Use the Apply For Loan link on the website to start an application.
- Write to finance@nabkisan.org for the registered office, or corporate@nabkisan.org for the corporate office.
- Have audited accounts, incorporation papers and a business plan ready. Most product pages ask for them.
How selection works
- Loans are appraised on NABKISAN's own credit standards and rating tools.
- Security depends on the product, and can include hypothecation of assets and personal guarantees of promoters.
- Interest and processing fees follow the company's policy and are confirmed at sanction.
About Nabkisan Finance Limited
NABKISAN Finance Limited (NKFL) is a non-banking finance company notified by the Reserve Bank of India. It is headquartered in Chennai, with a corporate office in Mumbai, and lends to organisations and individuals in agriculture and rural enterprise.
The company was incorporated in 1997 under its former name, Agri Development Finance (Tamil Nadu) Limited. Its history runs through two NABARD-established subsidiaries from 1997. The two merged in December 2025, and the combined company trades as NABKISAN.
How the lending works
NABKISAN offers loans across the agri value chain. Its products cover farmer producer organisations, primary agricultural credit societies, individual farmers, agri start-ups, non-banking finance companies and microfinance institutions. Terms, interest and processing fees are set under the company's own policy and vary by borrower.
Who can apply
Farmer producer organisations need to have been incorporated at least six months before applying and must have an audited balance sheet. Agri start-ups must be registered as private limited companies with DPIIT certification and have at least 51% Indian promoter shareholding. Individual farmers, self-help groups and joint liability groups are served through direct lending. Non-banking finance companies and microfinance institutions apply on their own track.
Scale and reach
The company says it has direct credit operations across 24 states and 5 union territories. Its homepage describes it as a large lender to farmer producer organisations and reports counts of FPO loans and farmers reached. These are self-reported, and no independent audit is stated on the site.
Who runs it
Equity participation comes from NABARD, the Government of Tamil Nadu, the Government of Andhra Pradesh, the Government of Telangana, several public and private banks, and some corporates and individuals. The company says it works with promoting institutions and state governments to deliver concessional finance.
Locations
The registered office is in Nungambakkam, Chennai. The corporate office is at the NABARD head office in Bandra Kurla Complex, Mumbai.
Get in touch
Send a message to Nabkisan Finance Limited — we'll forward it on your behalf.
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) is a non-banking finance company notified by the Reserve Bank of India. It is headquartered in Chennai, with a corporate office in Mumbai, and lends to organisations and individuals in agriculture and rural enterprise.
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?
- Agri start-ups with an established business model, DPIIT certification and a private limited structure should look at the agri start-up loan. - Farmer producer organisations should look at the FPO loan. It covers working capital, term, pledge and growth finance. - Primary agricultural credit societies have their own loan page with separate eligibility.
When was Nabkisan Finance Limited founded?
Nabkisan Finance Limited was founded in 1997. It is a corporate.
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