NABARD Unit Costs for Agricultural Loans — State-wise India
Official indicative unit costs published by NABARD - the basis for bank agricultural term loans across India. Select your state to see activity-wise costs and eligible loan amounts.
State Unit Cost Directory
| State | Year | Categories | Activities |
|---|---|---|---|
| Andaman and Nicobar Islands | 8 | 61 | |
| Andhra Pradesh | 3 | 44 | |
| Arunachal Pradesh | 9 | 120 | |
| Assam | 10 | 141 | |
| Bihar | 8 | 30 | |
| Chhattisgarh | 8 | 27 | |
| Goa | 1 | 6 | |
| Gujarat | 6 | 75 | |
| Haryana | 7 | 57 | |
| Himachal Pradesh | 8 | 54 | |
| Jammu and Kashmir | 7 | 28 | |
| Jharkhand | 6 | 24 | |
| Karnataka | 7 | 133 | |
| Kerala | 8 | 307 | |
| Madhya Pradesh | 8 | 256 | |
| Maharashtra | 8 | 271 | |
| Manipur | 1 | 26 | |
| Meghalaya | 8 | 88 | |
| Mizoram | 9 | 199 | |
| Nagaland | 10 | 42 | |
| New Delhi | 9 | 54 | |
| Odisha | 7 | 59 | |
| Punjab | 5 | 47 | |
| Rajasthan | 10 | 128 | |
| Sikkim | 6 | 34 | |
| Tamil Nadu | 8 | 364 | |
| Telangana | 10 | 109 | |
| Tripura | 5 | 16 | |
| Uttar Pradesh | 8 | 557 | |
| Uttarakhand | 10 | 195 | |
| West Bengal | 8 | 159 |
How to Use NABARD Unit Costs
- 1Find your state's unit cost
Select your state above. Each state has its own unit cost booklet revised annually.
- 2Locate your activity
Browse by category - Water Resources, Land Development, Farm Mechanisation, Horticulture, Livestock, or Fisheries.
- 3Calculate your eligible loan
The eligible term loan is 85–90% of the unit cost. Example: borewell unit cost ₹84,600 → eligible loan ₹71,910–₹76,140.
- 4Apply at your bank
Approach your nearest nationalised bank, RRB, or cooperative bank with your land documents and the NABARD unit cost reference.
Government Schemes for Farmers
Subsidies, crop insurance, loans and input support — check eligibility and apply online.
Weather & Crop Advisories
District-level agromet advisories combining IMD 5-day weather forecasts with crop-specific pest, disease and irrigation recommendations.
Agri Finance & Credit
Loans, crop insurance and investment norms — NABARD unit costs, PMFBY rates and KCC interest.
Agriculture News
Daily updates on mandi price movements, scheme announcements, weather advisories and crop-wise reports from state agriculture departments.
Source: NABARD Statewise Master Unit Cost Portal (nabard.org) · View source →. Updated: reviewed annually; updated within 48 hours of NABARD publishing revised booklets · last on · Report an error
Frequently Asked Questions
What are NABARD unit costs?
NABARD unit costs are the official indicative costs published by the National Bank for Agriculture and Rural Development for agricultural activities — borewells, tractors, irrigation systems, greenhouses, livestock, fisheries and more. Banks use these as the benchmark when sanctioning priority sector agricultural term loans.
How often are NABARD unit costs revised?
NABARD publishes revised unit cost booklets annually, typically after the Union Budget. The revision reflects changes in input costs, labour rates, and material prices. NaPanta updates the data within 48 hours of NABARD publishing new booklets.
How does a bank calculate my eligible agricultural loan amount?
The eligible term loan is typically 85–90% of the NABARD unit cost for your activity. For example, if the unit cost for a borewell in your state is ₹84,600, the bank will sanction ₹71,910 to ₹76,140. The subsidy component (if any) is separately credited to your loan account.
Can I get a copy of the full NABARD unit cost booklet?
Yes. NABARD publishes the complete statewise unit cost booklets on nabard.org. NaPanta extracts the activity-wise data into a searchable format but the full booklets with methodology notes are available directly from the NABARD portal.
What if my state is not listed on NaPanta?
NaPanta has digitised unit cost data for states where NABARD booklets are available in machine-readable format. If your state is not listed, contact NABARD's regional office or your bank directly for the unit cost booklet applicable to your state and year.