₹ 6,240+ Cr
Cumulative Disbursals
19 DPCARDBs
District Primary Banks
7.5 Lakh+
Farmer Beneficiaries
58+ Years
Serving Rural Haryana
Pillars of Rural Prosperity
Committed to financial inclusion, digitized credit access, and agrarian growth
Sh. Nayab Singh Saini
Hon'ble Chief Minister
Government of Haryana
Dr. Arvind Kumar Sharma
Hon'ble Cooperation Minister
Government of Haryana
Sh. Pankaj Yadav, IAS
Worthy Principal Secretary
Cooperation, Haryana
Sh. Subhash Kalsana
Worthy Chairman
HSCARDB, Panchkula
Spearheading Rural Capital & Agricultural Investments in Haryana
The Haryana State Cooperative Agriculture and Rural Development Bank Ltd. (HSCARDB) was established on 1st November 1966 upon the reorganization of Punjab and Haryana. As an Apex Bank under the Haryana Cooperative Societies Act, it operates as a specialized institution advancing long-term credit to agriculturists.
With its headquarters in Panchkula, the Bank executes rural development policies through its network of 19 District Primary Cooperative Agriculture & Rural Development Banks (DPCARDBs) and their field branches spread across all sub-divisions of the state.
Farm Productive Sector
Tractors, minor irrigation, orchards, polyhouses and land purchase.
Allied Agriculture
Dairy farming, cattle sheds, poultry units, fisheries & beekeeping.
Non-Farm & Rural Housing
Village godowns, rural housing loans and agro-processing micro units.
Structure & Organizational Role
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Apex Level (State HQ): HSCARDB floats debentures with state and central guarantees, securing long-term refinancing from NABARD.
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Primary Level (District): 19 DPCARDBs disburse credit directly to farmer members against hypothecation & mortgage of agricultural land.
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Democratic Governance: Board of Directors representing district cooperative zones ensuring farmer-centric policies.
Reg. No. 1 / Cooperative
Specialized Long-Term Cooperative Loan Schemes
Concessional rates, extended tenures up to 15 years, and flexible harvest-linked repayments.
Minor Irrigation & Solar Pumps
Installation of submersible tubewells, borewells, underground pipeline systems and 3 to 10 HP solar pumps.
Tractors & Farm Machinery
Purchase of new 35HP+ agricultural tractors, laser levelers, rotavators, straw reapers, and seed drills.
Dairy Development & Cattle Sheds
Financing purchase of crossbred cows / Murrah buffaloes (2 to 20 animals) and pacca cattle shed construction.
Polyhouse & Protected Cultivation
Naturally ventilated polyhouses, shade net structures, floriculture, high-value vegetables and orchards.
Rural Housing & Farm Godowns
Construction or renovation of residential dwellings in Lal Dora/rural abadi & grain storage facilities.
Land Purchase & Reclamation
Assisting small and marginal farmers to expand holdings or reclaim saline/alkaline soil through gypsum and bunding.
One Time Settlement (OTS) Scheme 2026 For Overdue Defaulters
The State Government has notified an extraordinary one-time rehabilitation window for cooperative loan accounts overdue as of the cut-off date. Settle your long-standing dues with historic waivers.
Penal Interest Waiver
Entire penal compound interest is revoked upon settlement.
Simple Interest Rebate
Up to 50% discount on accumulated simple interest dues.
Check OTS Eligibility
Enter loan account number registered with any of the 19 DPCARDBs:
OTS Eligible Account Found!
Visit your DPCARDB branch with copy of Jamabandi.
HSCARDB Loan EMI & Net Subsidy Calculator
Compute your half-yearly/yearly harvest cycle installments and capital subsidy back-ended relief.
Estimated Installment Amount
₹ 48,932
Payable every 6 months after Rabi & Kharif harvests
Subject to scheme eligibility, subsidy ranges from 25% to 75% credited directly into borrower's loan account reducing net principal.
19 District Primary Banks (DPCARDBs)
Locate your nearest District Primary Cooperative Agriculture & Rural Development Bank in Haryana.
State Apex Head Office
Bays No. 51-54, Bank Square, Sector 2, Panchkula - 134112, Haryana
Public Notices & Circulars
Notification regarding implementation of Special OTS Scheme for Non-Performing Agriculture Assets.
Published on: Feb 12, 2026 • 1.2 MB PDF
Revision of lending rates for Tractor and Farm Mechanization loans with NABARD refinance.
Published on: Jan 28, 2026 • 840 KB PDF
Empanelment of Statutory Auditors and Legal Advisors for 19 DPCARDBs in Haryana.
Published on: Jan 15, 2026 • 2.1 MB PDF
Citizen Charter & Service Timelines
HSCARDB Apex Headquarters
Our customer advisory desk is open Monday to Friday, 9:00 AM to 5:00 PM.
Bays No. 51-54, Bank Square, Sector 2, Panchkula - 134112 (Haryana), India
0172-2587042, 0172-2587069, 0172-2587070
Toll Free: 1800-180-2050
md@hscardb.org.in, support@hscardb.gov.in
Farmer Contact & Enquiry Form
Have a query regarding loan schemes, interest rates or mortgage redemption? Send us your message directly.