What is AP Sunna Vaddi Zero Interest Loan?
YSR Sunna Vaddi (Zero Interest) is a crop-loan interest subvention scheme run by the Andhra Pradesh Agriculture Department for small and marginal farmers. Farmers borrow up to ₹1 lakh as a short-term crop loan through a Kisan Credit Card from any scheduled bank at the normal rate. When the borrower repays the full amount on time, the state reimburses the entire interest component directly to the lending bank, leaving the effective cost to the farmer at 0%. The reimbursement is processed against the farmer's verified Farmer ID and Rythu Bharosa records, and the relieved interest is credited so the loan stays affordable season after season for genuine cultivators.
AP Sunna Vaddi Zero Interest Loan — Quick Overview
| Scheme Name | AP YSR Sunna Vaddi Scheme 2026 — Zero Interest Crop Loan for Farmers up to ₹1 Lakh |
| State | Andhra Pradesh (आंध्र प्रदेश) |
| Launched By | Government of Andhra Pradesh |
| Launch Year | 2019 |
| Benefit | Zero interest crop loan up to ₹1 lakh — state pays interest — small/marginal farmers AP |
| Category | Agriculture |
| Last Verified | 17 June 2026 |
| Official Portal | https://apagrisnet.gov.in |
YSR సున్నా వడ్డీ పథకం ఆంధ్రప్రదేశ్ లఘు మరియు సీమాంత రైతులకు ₹1 లక్ష వరకు పంట రుణాన్ని సున్నా వడ్డీకి అందిస్తుంది — రైతు సకాలంలో రుణం తిరిగి చెల్లించిన తర్వాత రాష్ట్ర ప్రభుత్వం వడ్డీ మొత్తాన్ని బ్యాంకులకు చెల్లిస్తుంది.
📌 फायदा: ₹1 లక్ష వరకు సున్నా వడ్డీ పంట రుణం — సకాలంలో చెల్లింపుపై వడ్డీ రాష్ట్రం భరిస్తుంది
पात्रता:
AP లఘు/సీమాంత రైతు, రైతు ID ఉన్నది, KCC లేదా పంట రుణ ఖాతా, సకాలంలో రుణ చెల్లింపు.
अर्ज कसा करावा:
apagrisnet.gov.in లో లేదా మీ బ్యాంక్ శాఖలో KCC ద్వారా పంట రుణం తీసుకోండి. సకాలంలో తిరిగి చెల్లించిన తర్వాత వడ్డీ రీయింబర్స్మెంట్ స్వయంచాలకంగా జమ అవుతుంది.
Benefits of AP Sunna Vaddi Zero Interest Loan
✅ Zero interest crop loan up to ₹1 lakh — state pays interest — small/marginal farmers AP
₹1 लाख तक शून्य ब्याज कृषि ऋण — राज्य ब्याज देता है — लघु/सीमांत किसान AP
Who is Eligible for AP Sunna Vaddi Zero Interest Loan?
- ✓ Andhra Pradesh resident small or marginal farmer (up to 5 acres irrigated / 10 acres dry land)
- ✓ Valid Farmer ID / Rythu Bharosa card
- ✓ Kisan Credit Card (KCC) or crop loan account with scheduled bank
- ✓ Repays loan on time (within due date) — state then reimburses interest paid
- ✓ Not a wilful defaulter
Documents Required for AP Sunna Vaddi Zero Interest Loan
How to Apply for AP Sunna Vaddi Zero Interest Loan Online?
- 1Visit apagrisnet.gov.in — the application is filed online there
- 2Register yourself; an OTP is sent to the mobile linked with your Aadhaar
- 3Enter the personal, income and bank information the form asks for
- 4Provide clear copies of Farmer ID / Rythu Bharosa passbook, Aadhaar Card, Pattadar Passbook / land records
- 5Do a final review, submit, and keep the reference number safe
- 6Check progress on the same portal while officials verify your file
Official Government Portal — Andhra Pradesh
apagrisnet.gov.in is the only authorised application channel, and the Andhra Pradesh government charges nothing there — never pay anyone to apply on your behalf.
🔗 Apply at apagrisnet.gov.inReal-Life Examples — Are You Eligible for AP Sunna Vaddi Zero Interest Loan?
Not sure you qualify? Compare yourself with these AP Sunna Vaddi Zero Interest Loan scenarios:
Marginal farmer with 3 acres of dry land, valid Rythu Bharosa card and a KCC who repaid last season's crop loan before the due date
Eligible — Meets the small/marginal landholding limit, holds a valid Farmer ID and a KCC, and repaid on time — exactly the on-time repayment that triggers interest reimbursement.
Small farmer with 4 acres of irrigated land holding a Pattadar passbook who took a ₹90,000 crop loan and cleared it within the due date
Eligible — Within the 5-acre irrigated limit and the ₹1 lakh loan ceiling, with on-time repayment that qualifies for the state interest subvention.
Large farmer owning 12 acres of irrigated land who is also a recorded wilful defaulter on a previous bank loan
Not eligible — Exceeds the small/marginal landholding limit and is a wilful defaulter — both disqualify the applicant from the zero-interest benefit.
Every case differs — confirm your eligibility on the official portal first.
Common Mistakes — Why AP Sunna Vaddi Zero Interest Loan Applications Get Rejected
- ✗Missing the loan due date — even a few days late means the bank does not certify on-time repayment, so the interest reimbursement is forfeited for that season.
- ✗Holding the crop loan as plain cash credit instead of a Kisan Credit Card crop loan account, which the scheme does not cover.
- ✗Mismatch between the name on the Farmer ID / Rythu Bharosa passbook and the bank loan account, which stalls verification.
- ✗Borrowing above the ₹1 lakh ceiling and expecting interest relief on the whole amount instead of only the eligible portion.
Insider Tips for AP Sunna Vaddi Zero Interest Loan
- →Route your crop loan through a Kisan Credit Card at a scheduled bank so it is automatically tracked under the scheme.
- →Note your repayment due date and clear the loan a few days early to be safely within the on-time window.
- →Keep your Pattadar passbook, Farmer ID and bank account details consistent so the Agriculture Department's verification matches.
- →After repaying, follow up at your bank or on apagrisnet.gov.in to confirm the interest reimbursement was credited.