“Farmers Need Storage, Not Distress Sales”: SBI’s Vikram Jha On Agri Loans
Business Today · 11 Nov 2026 · 3 min
Management interview of State Bank of India (SBIN), with 2 key numbers discussed.
- Vikram Jha, DGM, AgriBusiness, State Bank of India
At the Bharat Agriculture Conclave, Vikram Jha, DGM AgriBusiness at SBI, outlined the bank's agri-financing initiatives. SBI offers Kisan Samriddhi loans of over Rs 50 lacs for large and corporate farmers to support farm investment and mechanisation. The bank is emphasizing investment credit for cold storage, warehousing, grading, and transportation to curb post-harvest losses, supported by a 3% subvention. SBI also promotes funding under the PMFME scheme, Agriculture Infrastructure Fund, and Self Help Groups via its Swayam Siddha scheme, alongside offering Agri Gold Loans.