Escorts Kubota range and what it means for your loan
Escorts Kubota set up its own finance company in late 2024 for Farmtrac, Powertrac and Kubota tractors. As a newer lender, compare its offer with a bank tractor loan before deciding.
| Popular model | Type |
|---|---|
| Farmtrac 45 | Tractor 41-50 HP (45 HP) |
| Farmtrac 6080 X Pro | Tractor 75+ HP (80 HP) |
| Powertrac Euro 50 | Tractor 41-50 HP (50 HP) |
| Powertrac 439 Plus | Tractor 41-50 HP (41 HP) |
| Kubota MU 5502 4WD | Tractor 51-60 HP (55 HP) |
| Kubota NeoStar A211S-N 4WD | Mini tractor (21 HP) |
10.90% retail tractor share in FY26 (1,14,468 units), fastest growth among majors (+30.6%). Source: tractorjunction.com.
EMI on an Escorts Kubota tractor
Worked examples at an example rate of 12% a year over 5 years, with 20% paid upfront. Prices are ex-showroom; the on-road price adds registration, insurance and road tax, so your actual loan may be a little higher.
| Ex-showroom price | Down payment (20%) | Loan | Monthly EMI | Total interest |
|---|---|---|---|---|
| ₹2.8 lakh (entry) | ₹56,000 | ₹2.24 lakh | ₹4,983 | ₹74,965 |
| ₹6 lakh (mid) | ₹1.2 lakh | ₹4.8 lakh | ₹10,677 | ₹1,60,640 |
| ₹12.87 lakh (top) | ₹2.57 lakh | ₹10.3 lakh | ₹22,903 | ₹3,44,573 |
Change the price, rate and tenure in the Tractor Loan EMI calculator.
Who finances Escorts Kubota tractors
Escorts Kubota Finance Ltd. Wholly owned NBFC subsidiary of Escorts Kubota (non-deposit taking); began operations 26 Nov 2024. Official website URL not verified.
Dealer finance or your own bank? Dealer or brand finance is convenient and sometimes comes with offers, but the rate is not always the lowest. A bank where you already have an account may offer a pre-approved loan. Ask both for the Key Fact Statement and compare the APR and total repayable amount, not just the EMI.
Lenders for an Escorts Kubota tractor
Any of these lenders can finance an Escorts Kubota, whether or not it is the brand's partner. Rates as published on each lender's website.
| Lender | Published rate | Max tenure |
|---|---|---|
| Mahindra Finance | 8% - 25% p.a. | 5 years |
| ICICI Bank | 12.00% - 21.00% | 12 - 72 months |
| IDFC FIRST Bank | 12% - 16% | 72 months |
| Bank of Baroda | 12.25% - 14.50% | 72 months |
| SBI | 1-year MCLR + 3.60% to + 4.35% | Up to 5 years |
| Kotak Mahindra Bank | MCLR/Reference Rate to 30% | — |
| Punjab National Bank | — | New tractor: 7-9 years; no-mortgage… |
| Canara Bank | — | 5-9 years |
| TVS Credit | New 11% - 25% p.a.; used 14% - 34% p.a. | 12-72 months |
| Chola | New 12% - 28%; used 17% - 28% p.a. | — |
Tips before you finance an Escorts Kubota
- Tractor loans are usually repaid half-yearly or yearly to match harvests; ask for a schedule that fits your crop cycle.
- Banks often lend under agricultural schemes at lower rates than NBFCs, but may need land records.
- Add implements to the loan only if you will use them enough; hiring may be cheaper.
- Keep insurance on the tractor active, as lenders usually require it.
Escorts Kubota Tractor Loan in your city
Pick your city to see the Escorts Kubota EMI with local on-road costs in mind, the documents lenders ask for there and nearby cities in the same state.
Other brands and guides
Sources
Prices and line-up checked on 4 October 2026 from: tractorjunction.com, angelone.in. Prices change often; confirm the on-road price with your dealer.
Frequently asked questions
What is the EMI on the cheapest Escorts Kubota?
At about ₹2,80,000 ex-showroom, with 20% down and 12% over 5 years, the EMI is about ₹4,983. Your rate and on-road price will change this.
Does Escorts Kubota have its own finance company?
Finance is offered through Escorts Kubota Finance Ltd. You can also take a loan from any bank or NBFC.
How much down payment do I need for an Escorts Kubota?
Many lenders fund 80% to 100% of the on-road price, but a 15% to 20% down payment lowers the EMI and total interest. Check the funding limit with your lender.
Is dealer finance cheaper than a bank loan for an Escorts Kubota?
Not always. Dealer schemes can be convenient and sometimes discounted, but compare the APR and total repayable amount in the Key Fact Statement with a bank's offer.
Which lender is best for an Escorts Kubota?
There is no single best lender; it depends on your credit score, income and the model. Public sector banks often publish the lowest starting rates, while NBFCs may approve profiles banks decline.
KhatuLoans is not a lender and is not paid by the lenders or brands named here to rank them. Rates, fees and prices change; always confirm with the lender and dealer. Read our editorial policy and how we make money.