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- Kisan Matsya
Kisan Matsya
For meeting recurring expenses and investment needs
of farmers involved in fisheries
Meet recurring expenses
Simplified documentation
Own and leased land combination
Kisan Matsya - Fish Farming Loan
Axis Bank provides Kisan Matsya Loans to fulfill the financial requirements of farmers who cultivate fresh/brackish water fish or prawns.
Features & Benefits
Type of loans
Cash Credit: For meeting the recurring expenses in fish and prawn culture
Term Loan: For meeting investment needs like the construction of new ponds/tanks or sluices.
Loan limit
Minimum: ₹25,001/-
Maximum: ₹1.5cr
Age
18-75 years (Co-borrower is needed if age > 60 years)
Minimum land holding
It is 2 acres of own land/water spread area except in West Bengal and Odisha. For West Bengal and Odisha, the minimum landholding is 1 acre.
Eligibility
Should have minimum 3 years of experience in carp cultivation
Other Important Details
Lending rates
Loans linked to REPO Rate
- Rate of interest will be linked to Prevailing Repo Rate.
- Customer rate/ pricing (ROI) shall be repo rate + spread.
- Repo rate reset frequency- every 25th day of last month of each quarter.
- The bank will publish the Repo Rate periodically on the banks website.
Loans on base rate/ MCLR/ fixed rate
- Existing loan on base rate/ MCLR/ fixed rate will continue to be at existing benchmark till renewal.
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