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State interest relief of 4% on crop loans repaid on time (COP-34), Gujarat

Funded in the budget: Gujarat Budget 2026-27 press note — Agriculture (18 Feb 2026) (18 Feb 2026, Co-operation: “A provision of ₹1539 crore for providing crop credit up to ₹3 lakh at zero percent (0%) interest to the beneficiaries of Kisan Credit Card who make timely payments.”)

COP-34: 4% interest relief · Agriculture, Farmers Welfare & Co-operation Department (Registrar of Co-operative Societies), Government of Gujarat · State scheme

Gujarat pays 4% a year of the interest on short-term crop loans of up to ₹3 lakh for farmers who repay on time — on top of the Centre’s 3%, which brings the 7% crop loan to zero interest.

Loans & interest help
Lead benefit
4%interest relief a year
Components
1each read from the document
Who can apply
5kinds of applicant
Closing date
Closes 31 Mar 2027see “When to apply”

What it pays

4%interest relief a year

Repay your crop loan on time and the state pays 4% a year of the interest on up to ₹3 lakh.

Read from Gujarat GR: COP-34 interest relief on crop loans, 2026-27 · clause Condition (અ)(1), (3), (10) · p. 1–2 · Our copy (PDF)
What the document says, word for word

The ₹3 lakh limit is for the year in all: if you also have up to ₹2 lakh for animal husbandry or fisheries, only the remaining crop loan up to ₹3 lakh in all counts (condition (અ)(10)). The state relief is separate from the Centre’s 3% prompt-repayment incentive; the GR names banks running the Centre’s or NABARD’s 7%-or-less scheme, so the two apply together.

“(૩) આ યોજનાની શરત નં.-૨ માં દર્શાવેલ બેંકો/સંસ્થાઓ દ્વારા પાક ધિરાણ મેળવતા તથા નાબાર્ડની PROMPT-PAYING SCHEME અંતર્ગત સમયસર પરત ભરપાઈ કરતા ખેડૂતોને તેઓના પાક ધિરાણ પર રૂ.૩.૦૦ લાખ સુધીના ધિરાણ માટે ૪% ના દરે વ્યાજ રાહતની રકમ રાજ્ય સરકાર દ્વારા પુરી પાડવામાં આવશે.”

How much can I claim?

Enter loan amount to see the figure.

Read from Gujarat GR: COP-34 interest relief on crop loans, 2026-27 · clause Condition (અ)(1), (3), (10) · p. 1–2 · Our copy (PDF)

The ₹3 lakh limit is for the year in all: if you also have up to ₹2 lakh for animal husbandry or fisheries, only the remaining crop loan up to ₹3 lakh in all counts (condition (અ)(10)). The state relief is separate from the Centre’s 3% prompt-repayment incentive; the GR names banks running the Centre’s or NABARD’s 7%-or-less scheme, so the two apply together.

Who can apply

  • Other farmer
  • Small or marginal farmer
  • SC farmer
  • ST farmer
  • Woman farmer

Papers you need

    How to apply

    1. Take a short-term crop loan from a bank that lends under the Centre’s or NABARD’s 7%-or-less crop-loan scheme: a co-operative bank, primary agricultural credit society, nationalised, private or regional rural bank (condition (અ)(2)).
    2. Repay on time under NABARD’s prompt-paying rules (condition (અ)(3)).
    3. You do not apply yourself: the bank charges you interest minus 4%, or, if you paid in full, credits the 4% back to your loan account and tells you (condition (અ)(7)).

    Applying is free. Never pay anyone to apply for you.

    When to apply

    This GR covers the year 2026-27 only (general condition (2)).

    Combining with other schemes

    • KCC – Interest Subvention (MISS): can be combined
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