🌾 Key Features of Our Tractor Loan
| Feature | Details |
|---|---|
| ✅ Loan Amount | Up to 90% of tractor value (including implements) |
| ✅ Loan Tenure | Flexible repayment up to 7 years |
| ✅ Low Interest Rates | Starting from 8% p.a. depending on the profile & lender |
| ✅ Collateral-Free Options | For eligible applicants (depending on loan amount) |
| ✅ Fast Approval | Disbursal within 48–72 hours after documentation |
| ✅ Pre-Owned Tractor Loan | Loans available for used tractors as well |
👨🌾 Who Can Apply for a Tractor Loan?
| Criteria | Requirement |
|---|---|
| Age | 18 to 65 years |
| Profession | Farmers, Agri-businessmen, Rural Entrepreneurs |
| Income Source | Agricultural or allied income |
| Credit Score | 600+ (higher score improves approval chances) |
| Nationality | Must be a Resident Indian Citizen |
🗂️ Documents Required
| For Individuals (Farmers/Owners) |
|---|
| ✅ Aadhaar Card / Voter ID / PAN Card |
| ✅ Land Ownership Proof or 7/12 Extract |
| ✅ Bank Account Statement – Last 6 Months |
| ✅ Passport-size Photographs |
| ✅ Quotation or Proforma Invoice of Tractor |
| ✅ Income Proof or Kisan Credit Card (if available) |
💰 Fees & Charges
| Charge | Amount |
|---|---|
| Processing Fee | 1% to 3% of loan amount |
| Stamp Duty | As per state laws |
| Late EMI Penalty | 2% per month on overdue amount |
| Cheque Bounce Charges | ₹350 to ₹550 per instance |
| Foreclosure Charges | 0% to 4% based on lender policy |
🚀 How to Apply
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📋 Submit your basic details online or visit our branch
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📤 Upload/submit documents digitally or via pickup
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✅ Get approval in 2–3 working days
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🚜 Receive loan amount directly at your dealer or in your account
🎯 Why Choose VISION ADVISORY/CONSULTING?
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🌱 Trusted partner for rural & agri-finance
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💬 Multilingual support for rural applicants
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🏦 Tie-ups with leading banks & NBFCs
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📉 Lowest EMI options with prepayment flexibility
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