our products
Loans for Agricultural Traders (APMC)
Single Repayment Finance for Agri Merchants & APMC Traders
(Possible Names - Agri One, HarvestPay, FlexiMandi Loan, QuickYieldFinance)
Power your trade with a loan tailored for your working capital needs—simple, flexible, and built for your business cycle.
Key Benefits
Tailored for Traders
Designed specifically for Agri Merchants and APMC Traders to meet seasonal and short-term working capital needs.
Pan-India Availability
Accessible across India (excluding restricted PIN codes), for Proprietorships, Partnerships, LLPs, and Private Limited Companies.
Flexible Loan Amounts
Borrow from ₹1,00,000 to ₹10,00,000 with up to 12-month tenure. Drawdowns are allowed for up to 90 days.
Single Bullet Repayment
Pay only once at the end of the loan term—no daily or monthly installments.
Multiple Loans, One Credit Limit
Avail up to 5 loans within your approved limit. Minimum disbursal: ₹1,000.
Full Flexibility
Part-pay anytime. Foreclose early with zero foreclosure charges.
Transparent Pricing
Interest Rate
18% to 28% p.a. (reducing balance)
Processing Fee
0% to 3% + taxes
No bounce charges, late fees, or insurance costs
Simple Documentation
Apply with basic KYC and digitally sign your loan agreement—fully paperless.
Flexible Disbursement & Repayment
Funds are sent to your bank account or directly to suppliers. Repay through Connected Banking (primary), NACH, or secure payment link.
No Co-applicant Needed
Eligibility based on your credit and banking data. Co-applicant optional, not required.
To Get Started, You’ll Need:
- KYC documents
- Digital loan agreement with KFS
- Loan request form
- Registered eNACH/pNACH or PDC Cheque
Fair & Capped Charges
- No insurance required
- No hidden fees
- APR capped at 36% p.a.
Ready to fuel your trading business?
Apply now for a credit facility that works with your business rhythm.