Finance & EMI
Easy finance for farmers.
Partner banks and NBFCs offer farm-mechanisation loans at 7%–13% p.a. Low down-payment, flexible tenure, seasonal EMI options.
EMI calculator
Plan your payment
₹75,000
₹15,000
24 mo
Your payment
₹2,783
Indicative only. At 10.5% p.a., 24 months. Final terms from lender.
Our partner banks
Eight lenders. One-click pre-approval.
SBI
Agri-term loan
PNB
Kisan scheme
Bank of Baroda
Farm machinery
Canara Bank
Subsidy-linked
Mahindra Finance
Doorstep NBFC
Shriram Finance
Rural-first
L&T Finance
Flexible tenure
HDFC Bank
Quick approval
92% approval rate when applying with K2 invoice + subsidy paperwork.
Documents
What you’ll need
- Aadhaar card
- PAN card
- Bank statements (6 months)
- Land records / ownership proof
- Income proof / crop returns
Process
Five simple steps
01
Submit application
Share Aadhaar, PAN, 6-month statement on our WhatsApp.
02
Document verification
Partner bank verifies KYC + income docs (24–48 hrs).
03
Field visit by bank
Officer visits farm for collateral / land check.
04
Sanction letter issued
Approval message and sanction letter on WhatsApp.
05
Machine delivered
We ship your machine once down payment is cleared.
Apply
Apply for finance
Tips
Improve your approval chances
01
Maintain steady bank balance 3–6 months
Lenders look at average monthly balance and saving pattern.
02
Keep CIBIL score above 650
A healthy credit score unlocks better rates and bigger ticket sizes.
03
Show clear land ownership / lease papers
Unambiguous land records cut the field-visit back-and-forth.
04
Apply through a co-applicant if needed
Spouse or family co-applicant can help when income alone is borderline.
05
Choose tenure matching your harvest cycle
Seasonal EMIs aligned to harvest reduce the stress of off-season payments.