To encourage horticulture and improve crop diversity among Tamil Nadu farmers, the Co-operation, Food and Consumer Protection Department has introduced a specialized loan scheme through the Primary Cooperative Agriculture and Rural Development Bank. This scheme offers financial assistance between ₹25,000 to ₹2,00,000 per 0.4 hectare for eligible farmers aiming to establish or enhance horticultural cultivation on their land.
Key Highlights of TN Horticulture Loan
• Scheme Name: Primary Cooperative Agriculture and Rural Development Bank Loan for Horticulture (2025)
• Implementing Body: Primary Cooperative Agriculture and Rural Development Bank
• Department: Co-operation, Food and Consumer Protection Department, Tamil Nadu
• Loan Amount: ₹25,000 to ₹2,00,000 per 0.4 hectare
• Interest Rate: 11% to 12.75% (subject to market changes)
• Application Mode: Offline
• Target Group: Farmers engaged in horticulture
Benefits of the Scheme
• Flexible Loan Range: Avail ₹25,000 to ₹2,00,000 per 0.4 hectare for horticulture expansion
• Affordable Interest Rates: Between 11% to 12.75% annually (based on market trends)
• Support for Modern Horticulture: Invest in better infrastructure, irrigation, fencing, plantation, and more
• Empowers Small & Marginal Farmers: Enhances income and diversification opportunities
Eligibility Criteria
Applicants must fulfill the following conditions;
• Must be a resident of Tamil Nadu
• Must be a registered farmer
• Should be actively involved in horticulture activities
• Must intend to use the loan strictly for horticulture-related purposes
How to Apply – Offline Process
• Step 1: Visit or contact the Secretary or Special Officer of the nearest Primary Cooperative Agriculture and Rural Development Bank
• Step 2: Collect the loan application form and fill it carefully with accurate details
• Step 3: Paste a passport-size photograph, attach self-attested documents, and sign the form
• Step 4: Submit the completed application to the concerned bank officer
• Step 5: Obtain an acknowledgment slip or receipt with the application number and submission date
Necessary Documents for Application
• Valid Identity Proof (Aadhaar, PAN card, etc.)
• Address Proof (Electricity bill, Ration card, etc.)
• Proof of engagement in horticulture (farm records, land documents, etc.)
• Recent passport-size photograph
• Any other documents as required by the authority
Frequently Asked Questions (FAQs)
Q: Who can apply for this horticulture loan scheme?
A: Any farmer residing in Tamil Nadu and involved in horticulture activities can apply for the scheme.
Q: What is the maximum loan amount I can get?
A: The scheme offers up to ₹2,00,000 per 0.4 hectare based on your horticulture project size and need.
Q: What is the applicable interest rate?
A: The interest rate ranges from 11% to 12.75%, and it may vary depending on market conditions.
Q: Is there an online application facility available?
A: No. Currently, the application process is completely offline and must be done via the Primary Cooperative Agriculture and Rural Development Bank.
Q: Can I apply if I lease agricultural land for horticulture?
A: Yes, if you provide valid lease documents and meet other eligibility criteria, you can apply.
Q: How will I know the status of my application?
A: You can track the status using the acknowledgment slip issued by the bank during submission.
References & Important Links
• Official Scheme Guidelines from the Co-operation, Food and Consumer Protection Department, Tamil Nadu
• Communication from Primary Cooperative Agriculture and Rural Development Bank Offices
