+975–77194042 info@mbpl.bt

Agriculture Loan

Empowering Rural Farmers

Microfinance Bhutan Pvt. Ltd plays a crucial role in providing financial services to individuals and communities who lack access to traditional banking systems. One significant area where we have made impact is in the agricultural sector. These loans specifically target farmers and agriculturists, aiming to boost agricultural productivity, alleviate poverty, and promote rural development.

We offer tailored loan terms to accommodate the unique needs of farmers, such as flexible repayment schedules, grace periods during off-seasons, and installment plans aligned with crop cycles.

To improve productivity and to reduce labor cost, MBPL have signed MoU with DEPEL Agro Tech Pvt Ltd (www.depel.bt) company offering loans to purchase agricultural machineries such as power tillers and many cost-effective power tools.

Along with the loans, MBPL offers technical assistance including guidance on various options available for cash crops and market analysis, new ideas on innovative technology available in the market and many more.

Benefits of Agricultural Loans.

1. Access to Credit: We provide farmers with much-needed access to credit, ensuring they can invest in inputs, improve farming practices, and expand their agricultural operations.

2. Poverty Reduction: By enabling farmers to increase their incomes, agricultural loans contribute to poverty reduction, improving living standards and enhancing the overall well-being of rural communities.

3. Asset Creation: With increased financial resources, farmers can invest in long-term assets such as land, livestock, and farm equipment, thereby building wealth and fostering sustainable agricultural practices.

4. Economic Stability: Stable and adequate financing helps farmers mitigate risks associated with climate change, pests, and market fluctuations, contributing to economic stability in rural areas.

5. Socioeconomic Empowerment: Agricultural loans empower farmers, particularly women, by enhancing their decision-making abilities, fostering entrepreneurship, and reducing dependence on informal lenders.

The loans under this category are appraised and sanctioned against satisfactory collateral & guarantee based on the following product features;

  1. Eligibility: Any individual including members of legally formed groups and cooperatives.
  2. Purpose:
  1. Purchase of farm equipment such as machineries, power tiller, etc.;
  2. Purchase of farm land/orchards;
  3. Construction of fences;
  4. Purchase of seeds, saplings, manures and any other agriculture inputs;
  5. Establish new livestock /dairy / (purchase of livestock, livestock feeds and care facilities);
  6. Construction of Green House facility and
  7. Setting up of cold storage.
  8. Rate of Interest: 18.50%  p.a
  9. Tenor: Maximum of five years.
  10. Quantum: Maximum of Nu.500,000.00 (five hundred thousand).
  11. Repayment Schedule: Monthly/Quarterly/Semi-Annually/Annually.


  1. Passport size photograph (Latest): 2 nos.
  2. CID copy of applicant.
  3. Original Lagthram
  4. CID copy of thram owner.
  5. Family tree details of thram owner (if the land is under family ownership type) and family clearance.
  6. A witness with CID copy.