Gujarat government continues Zero Interest Crop Loan Scheme 2026 for farmers, giving short term crop loans up to ₹3 lakh at an effective 0% interest rate through cooperative banks. Gujarat state government has set aside ₹1,539 crore in Budget 2026-27 for this interest support, linked to loans taken through Kisan Credit Card.
Farmers who take a short term crop loan from a cooperative bank pay 7% interest at the time of borrowing. Central government gives 3% interest subvention and state government pays the remaining 4%. On top of this, Gujarat government also covers the central share for farmers who repay a bit late but still within one year. Net effect: farmer does not pay any extra interest on the loan amount.
Gujarat Zero Interest Loan Scheme 2026 Details
Scheme was first announced at Gujarat Gaurav Mahasammelan in Gandhinagar on 16 October 2017. Purpose is simple: cut the cost of short term farm credit so more farmers can borrow for seeds, fertiliser and other crop needs without worrying about interest. Cooperative banks and Primary Agricultural Credit Societies (PACS) across the state disburse these loans between April and July every year.
Latest Update for 2026
Gujarat Budget 2026-27 has kept aside ₹1,539 crore for zero interest crop loan support linked to Kisan Credit Card accounts, confirming that the scheme will continue through this financial year. Separately, union government raised the interest subvention limit for Kisan Credit Card loans from ₹3 lakh to ₹5 lakh in Union Budget 2025-26, which could open room for a higher loan cap under similar state schemes in future. Farmers should check with their bank branch or cooperative society for the exact loan limit applicable this season.
| Detail | Information |
|---|---|
| Scheme Name | Gujarat Zero Interest Loan Scheme (Crop Loan) |
| Launched By | Gujarat State Government |
| Launch Date | 16 October 2017 |
| Beneficiaries | Farmers taking short term crop loans in Gujarat |
| Loan Amount | Up to ₹3 lakh |
| Interest Rate | 0% (7% subvention covered by state and central government) |
| Budget Allocation 2026-27 | ₹1,539 crore |
| Application Mode | Through cooperative bank or PACS at loan disbursal |
| Official Website | ikhedut.gujarat.gov.in |
Who Can Get Zero Interest Crop Loan
Scheme covers farmers across Gujarat who take short term crop loans through the cooperative credit structure. Few basic conditions apply before a farmer gets full interest waiver.
- Farmer must hold agricultural land in Gujarat and take the crop loan from a District Cooperative Bank or PACS branch.
- Loan should be repaid within the stipulated one year period, or within any extended date announced by state government, to get full interest waiver.
- Farmer must have a Kisan Credit Card (KCC) linked to the loan account for smooth interest subvention credit.
Documents Needed for Crop Loan
Bank asks for basic land and identity documents before sanctioning a crop loan under the scheme.
- 7/12 and 8-A land record extract showing ownership or tenancy of agricultural land.
- Aadhaar card and a bank account passbook for direct credit of the subvention amount.
- Kisan Credit Card copy, or an application form if the card is not yet issued.
How to Get Zero Interest Crop Loan
There is no separate online form for this interest waiver. Benefit gets applied automatically once a farmer takes a short term crop loan from a cooperative bank branch or PACS in Gujarat.
STEP 1 - Visit the nearest Primary Agricultural Credit Society (PACS) or District Cooperative Bank branch with land and identity documents.
STEP 2 - Apply for a Kisan Credit Card or short term crop loan, mentioning the loan amount required within the ₹3 lakh limit.
STEP 3 - Bank sanctions the loan at 7% interest as per RBI norms, and credits the central and state interest subvention amount to the loan account after repayment within the stipulated period, bringing the interest cost down to zero.
Benefits of Gujarat Zero Interest Loan Scheme
Scheme brings direct savings for farmers at the start of every crop season, and works alongside other central schemes like PM Kisan Samman Nidhi Yojana that give income support to farm families.
- Farmers save the entire 7% interest amount on crop loans up to ₹3 lakh, cutting input cost pressure right at the start of the season.
- Timely credit helps buy quality seeds, fertiliser and pesticides without depending on costly private moneylenders.
- Regular loan repayment builds a better credit history, useful for getting higher loan limits in future seasons.
FAQs
Is Gujarat Zero Interest Loan Scheme still running in 2026?
Yes, scheme is running through cooperative banks and PACS, backed by Gujarat Budget 2026-27 allocation of ₹1,539 crore for interest support on crop loans.
What is the maximum loan amount under this scheme?
Loan amount is capped at ₹3 lakh at state level right now, though the central Kisan Credit Card interest subvention limit was raised to ₹5 lakh in Union Budget 2025-26.
Where can a farmer apply for this loan?
Farmer can apply at the nearest District Cooperative Bank branch or Primary Agricultural Credit Society (PACS) with land and Kisan Credit Card details, not through a separate online portal.
Source / Reference Link: Gujarat Budget 2026-27 announcement
Girrajjatav auas ka liy
ये ऐक बहुत ही अच्छा क़दम है सरकारका क्योंकि किसान इतना सक्षम नहि होता की ब्याज दे सके ओर ये देष किसानों का है किसानों के बारेमें सरकारने सोचकर बहुत खूब किया क्योंकि उध्योग वाले तॊ ब्याज चुका सकते है क्योंकि आमदनी भी उतनी होती है किसान तॊ कभी कभी मुड्डल भी नहि पा सकता क्योंकि उनको अच्छी कीमत नहि मिलती बौता वो है माल उसका ओर भाव कोइ ओर तय करता है सरकारको उसके बारेमें भी कुछ सोचना चाहिये चलो फिलहाल जो अरमान थे वो पूरे होते नज़र आ रहे है 0% लोन बेहतर स्कीम
ऐक क़दम किसानो के साथ किसान का साथ सबका विकास.
जय हिंद
Its a best scheme
"KISHAN KA SATH SABKA VIKAS"
Jay Hind
Home loan
सरकारने ऐलान तॊ कर दिया पर अभी तक o% ब्याज नहि हुआ कब होगा
multi car automobile lon in sabsidy
multi car automobile lon sabsidi lon sarkar dhegi
Zero percent Vali Sab baate sirf vote Lene k liye he..BJP sarkaar kisaan KO kuchh BHI nahi dene Vali hai bhaio..ab to sudharo bhaio aur samjo...vakt aa Gaya he BJP KO ukhad fekne Ka..
No official announcements for how to apply for the scheme. Also for earlier 1 percent scheme is not benefited to any farmer.
Me. Amish Patel and Yasin, it does exists and farmers are getting benefits from last 10 years by MODI government if you are not farmer you are not eligible. In our 24 villages all farmers are benefited. Thanks to MODI Government
how to apply for loan
होम लोन जये छे सर धर बाधवानु छे
Gujarat me 0% kcc lone kab lagu hoga
How to apply farmar loan ????
HOW TO APPLY FOR IT?
REPLYYYYYYY
HOW TO APLLY FOR IT?
Mere ko chahia
businesses man
I NEED LOAN FOR TABELA(COW) GUIDE WHERE I HAVE TO CONATACT?
AMIT PATE[
due to some acciedental issue we getting late for 3 days in repay the loan amount. now what is the solution.
due to some acciedental issue we getting late for 3 days in repay the loan amount. now what is the solution and status
of our subsidy amount as we never paid late this amount till in agriculture loan career. wo want to know
that weather our subsidy laps or any other way of getting subsidy after late payment.
my number is 9879370789