Horticulture Loan Scheme 2025: Horticulture has a significant place in the country’s agriculture. During this modern era, it is not enough to rely only on the conventional crops and farmers can augment their income enormously by cultivating fruits,vegetables and floriculture. To promote this transition, the Indian govt has introduced Horticulture Loan Scheme 2025, enabling loans and subsidies for horticulture activities in an easy manner.
This article will walk you through everything you need to know about this scheme—what it is, who can benefit, how to apply, and how it can change the game for farmers.
What is the Horticulture Loan Scheme 2025?
The Horticulture Loan Scheme 2025 is a government-backed initiative that provides financial support to farmers for cultivating fruits, vegetables, flowers, spices, and medicinal plants. Under this scheme, farmers can get loans at subsidized interest rates along with support from the National Horticulture Board (NHB) and Mission for Integrated Development of Horticulture (MIDH).
In Which States is This Scheme Active?
The scheme is active across all Indian states and union territories but is implemented in two major categories.
- National Horticulture Mission (NHM): Implemented in regular states such as Uttar Pradesh, Madhya Pradesh, Rajasthan, Maharashtra, Haryana, Punjab, Gujarat, Bihar, and more.
- Himalayan and Northeastern States: Includes Arunachal Pradesh, Sikkim, Manipur, Mizoram, Meghalaya, Nagaland, Tripura, Jammu & Kashmir, Ladakh, Himachal Pradesh, and Uttarakhand.
In these special-category states, the central government contributes 90% of the funding and the state 10%. For other states, the ratio is 60:40.
Who Can Avail the Scheme?
- Small, marginal, and medium farmers
- Self-Help Groups (SHGs)
- Farmer Producer Organizations (FPOs)
- Tenants and lease-holding farmers
- Agri-entrepreneurs and startups
What Activities are Covered Under the Loan?
Farmers can avail loans for various horticulture-related activities, including.
- Establishment of orchards for fruits and flowers
- Protected cultivation using polyhouses, shade nets, etc.
- Installation of solar pumps and drip irrigation systems
- Building cold storage and processing units
- Purchasing horticulture machinery
- Setting up nurseries and tissue culture labs
How Much Loan Can Be Taken and What is the Interest Rate?
- Loans up to ₹3 lakhs are available under the Kisan Credit Card (KCC) scheme.
- Loans up to ₹5 lakhs can now be availed without any collateral.
- Timely repayments qualify for an interest rate as low as 4%.
- No processing fee is charged on loans up to ₹3 lakhs.
Leading banks such as Bank of Baroda, Punjab National Bank, SBI, and regional rural banks are part of this scheme.
How to Apply for Horticulture Loan Scheme 2025?
Online Application (in selected states):
If you’re from Uttar Pradesh or similar states, you can apply online through the state horticulture department’s DBT portal.
Example: http://dbt.uphorticulture.in
Through Banks
You can also directly visit your nearest bank branch and apply for a loan under this scheme.
Required Documents for Horticulture Loan Scheme 2025
- Aadhaar Card / Voter ID / PAN Card
- Land ownership or lease documents
- Passport-size photographs
- Bank account details
- Irrigation source certificate (if any)
- Project report (if available)
Why is This Scheme Beneficial for Farmers?
The Indian farmers are finding horticulture a golden opportunity in present scenario. Fruits, vegetables, flowers and herbs fetch a greater sale price and require less time compared to traditional crops. For instance, such as papaya, banana, guava, flowers would have good market prices.
This plan is not just a loan facility; it also includes training, technical guidance, and market access—is a well-rounded support system for the farmers.
Is the Scheme Still Active in 2025?
Yes, the Horticulture Loan Scheme 2025 is currently active and fully operational. The Government of India has allocated a dedicated budget and shared updated guidelines to ensure its implementation. You can track updates via the official website midh.gov.in.
Conclusion
This government scheme is a great opportunity for farmers who want to innovate and increase their income. Horticulture is the future of farming, and the Horticulture Loan Scheme 2025 offers the right foundation for that growth.
If you’re planning to step into the world of horticulture, now is the time. Prepare your documents, apply through the right channels, and take the first step toward modern and profitable farming.