Agriculture Loan Calculator
زرعی قرض کیلکولیٹرEstimate your per-acre loan eligibility, seasonal repayment after harvest, or a fixed-tenure machinery loan — built around how farm financing actually works in Pakistan.
خام حساب
ممکنہ سود
کٹائی کے بعد واپسی
حد کا اطلاق
کل سود
کل ادائیگی
If you've used a home loan or business loan calculator before, you've seen the standard pattern: borrow a lump sum, repay a fixed amount every month for years. Crop input financing in Pakistan rarely works that way, and this is the single biggest source of confusion for farmers comparing loan offers.
A farmer's cash flow doesn't arrive monthly — it arrives once or twice a year, after the Rabi harvest (wheat, around April-May) or the Kharif harvest (cotton, rice, sugarcane, around October-November). Lenders designed around this reality, structuring most agriculture input credit as a revolving seasonal facility: you draw funds at the start of the season to buy seed, fertilizer, and pesticide, then repay the full amount you actually used in one lump sum after you sell your crop. There's no monthly due date hanging over you mid-season when you have zero incoming cash — repayment timing matches your income timing.
This is structurally different from a tractor or machinery loan, which behaves like a normal term loan: fixed monthly installments over 3-7 years, due every month regardless of harvest timing, because the asset (a tractor) generates value across multiple seasons rather than being consumed within one. That's why this calculator gives you two separate modes — using the wrong one will give you a number that doesn't match how your actual loan offer works.
فصل کی پیداوار کے لیے قرض زیادہ تر سیزن کے حساب سے ہوتا ہے — کٹائی کے بعد ایک ساتھ واپس کیا جاتا ہے، نہ کہ ماہانہ قسطوں میں۔ جبکہ ٹریکٹر یا مشینری کا قرض ماہانہ قسطوں میں کئی سالوں تک ادا کیا جاتا ہے، عام قرض کی طرح۔Loan structures and exact figures change between scheme phases and announcements, so treat this as a structural reference — always confirm exact current numbers on the relevant scheme's official page before applying.
| Financing Type | Repayment Style | Typical Basis |
|---|---|---|
| Crop Input Credit (e.g. Kissan Card style) | Lump sum after harvest | Per-acre, capped per season |
| Tractor / Machinery Loan | Fixed monthly EMI | Fixed term, 3-7 years |
| Commercial Bank Agri Loan | Fixed EMI or seasonal | Land + income-based assessment |
| Diesel / Tubewell Input Subsidy | Discount at point of sale | Per-acre or per-litre cap |
If you're specifically comparing tractor financing options, our dedicated Tractor Loan Calculator includes machinery-specific defaults and down-payment modeling. For the latest officially announced per-acre rates and caps for Punjab's farmer card program, check the CM Punjab Kissan Card Scheme page directly, since these figures are revised between phases.
Because crop input loans are designed around when farmers actually receive income — after harvest and crop sale — rather than an arbitrary monthly calendar. Forcing monthly installments mid-season, before any crop revenue exists, would create cash-flow pressure that doesn't match how farming income actually works. This is why these facilities are usually "revolving" — repay after harvest, then draw again next season.
Most Punjab agriculture credit programs set a fixed rupee amount per acre of verified landholding, then cap the total at a maximum regardless of farm size. Your eligible amount is your acreage multiplied by the per-acre rate, up to that ceiling — which means doubling your registered land doesn't necessarily double your loan if you're already near the cap.
No. A tractor or machinery loan is a fixed-term loan with fixed monthly EMIs over several years, similar to a vehicle loan — because the asset itself is used across many seasons. A crop input loan is shorter and tied to a single harvest cycle, repaid in one go. Use the "Fixed-Term Machinery Loan" mode above for tractors and the "Seasonal Crop Input Loan" mode for inputs like seed, fertilizer, and pesticide.
Revolving agriculture credit facilities are generally designed so that your limit only resets for the next season after the previous season's used amount is repaid. Missing repayment typically blocks access to the next cycle's credit and can affect your credit record with the issuing bank, so timely repayment after crop sale directly determines whether you can use the facility again next season.