Скачать или смотреть If you own agricultural land, banks offer loans secured by it for crop purposes.

Many times the govt. waives these loans — sounds like a blessing, right?

👉 The problem is, when the govt. delays paying the bank (say waiver declared in March but paid in June), those months show as unpaid EMIs on your record. This lowers your CIBIL score, even though technically the govt. is supposed to pay.

⚠️ For small farmers, it’s still a relief. But if you can afford repayment, this delay can cost you much more later:
• Loan rejections for home or business 🏠📊
• Higher interest rates due to poor credit history 💸

✅ So, don’t just rely on loan waivers. Be aware of the hidden cost on your credit health.
🔁 Share this with anyone who owns farmland — it could save their future loans.

{crop loan awareness, agriculture finance, loan waiver effects, credit score India, financial literacy for farmers, business loan impact}

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