No. VISHAL Combines is an Original Equipment Manufacturer (OEM). We do not provide direct loans, credit checks, or financial services ourselves. We only guide and assist our customers in connecting with authorized banks and financial institutions for agricultural equipment loans.

Loan availability, specific agricultural schemes, and processing times depend entirely on your geographical location, state-level banking policies, and the branch network of the financing partner operating in your district.

You are completely free to apply for a loan through your local bank, cooperative society, or any financial institution of your choice. We will provide you with the necessary proforma invoice and machine documentation to submit to your preferred lender.

Lenders generally require standard agricultural loan paperwork, including KYC documents, PAN card, land ownership or operational proof, last 2 years of income proofs/ITR, and recent bank statements. Specific requirements are set by your lending bank.

No. We do not collect or process PAN cards for credit scoring or financial evaluations. All credit checks, PAN verifications, and eligibility assessments are conducted exclusively by your chosen bank or NBFC in accordance with their regulatory guidelines.

Loan tenures, down payment requirements, interest rates, and repayment schedules are determined entirely by the financing bank or NBFC based on your loan profile and agricultural financing norms.

Yes. You have complete freedom to choose any bank, financial institution, or government-backed agricultural scheme that matches your preferences and financial convenience.

Loan repayments (such as seasonal installments aligned with harvest cycles or standard monthly EMIs) are set up directly between you and your lending bank through ECS, post-dated cheques, or direct bank transfers.