Agricultural loans

Loan Calculator

Annuity Reducing

Subsidized agricultural micro loan for the development of sheep and goat breeding

Up to 4 million AMD

0% interest rate

Up to 48 months-term from which

Up to 12 months are grace period


If You need money

     for Small and Medium Rural Business Development

     for the acquisition of  Small cattle - up to 18 months sheep and goats, 4-16 months female and 6-16 months male young animals



as well as for other similar purposes, then ''KAMURJ'' UCO CJSC offers You a subsidized agricultural Microloan  without a pledge with the following conditions:

Loan granting conditions 




RA citizen and RA resident individual (s) (Individual Entrepreneurs) The resident legal entities, in case of agricultural loans - Citizens of RA and RA resident individuals also

Age limitation

Borrower's age at the moment of applying minimum 18, maximum 70

Loan amount 

Up to 4 million AMD

Loan maturity       

Up to 48 months

Annual interest rate


 The interest rate subsidy will be implemented in such a way that the loans will be provided to the borrower.
2% interest rate.
0% interest rate to the economic entities of the border communities included in the list approved by the decision N 1444-N of the Government of the Republic of Armenia of December 18, 2014 or to the cooperatives operating in the field of agriculture

Annual factual interest rate

0% - 14.92%

Grace period for loan payment

Up to 12 months

(when only interest and service charges are repaid)

Payment mode

 Annuity (equal monthly payments)
 Equal monthly payments on the loan amount
 Other - customer cash flow matching

Granting fee          

Free of charge

Loan application review fee

Free of charge

Applicable penalties

Overdue loan amount and overdue interest rates 0.12% per day (maximum 90 calendar days)

Lending territory

Territory of RA

Basic Security

Guarantees of minimum 2 individuals

Provision mode


Early payment penalty

The borrower should pay accrued interests and penalties (if any) until the early payment date.

Maximum term of loan approval

Within 7 days after presentation of all the required documents

Maximum length of  loan granting

Within a day after presentation of all the required documents



The project is implemented in cooperation with the Ministry of Agriculture, the GFK  and the Company, with a trilateral agreement approved by the cooperation of subsidized agricultural loans.



List of necessary documents

 A certificate issued by the Agricultural Development Foundation. 

Customer identification document (passport issued by the Republic of Armenia) 




ATTENTION: If you do not perform your whole liabilities within prescribed time, the information about you will be recorded in the Credit Register of the Central Bank of Armenia by the creditor.


WARNING: Your assets (house, car, etc.) may be confiscated if you do not make payments of interest and credit amount within the prescribed time as well as other regulations specified in the agreement between you and the “KAMURJ” company.