JSC "RosselkhozBank" is one of the largest banks in the Russian Federation. The joint-stock company was established in March 2000 by order of Vladimir Putin as part of the development of the credit and financial sector of the agro-industrial complex. Currently, a commercial financial institution is a universal service that provides all types of banking services.

The sole shareholder of JSC RosselkhozBank is the federal executive body represented by the Federal Property Management Agency. According to Forbes, the Russian Agricultural Bank is one of the hundred most reliable banks in the world.

 

Financial institution activities

As of January 2014, the assets of the financial institution exceeded 1.9 trillion rubles. From 2008 (until 2015), loans worth 2.3 trillion rubles were allocated for the development of the agro-industrial complex. Within the framework of the general state financing of credit programs for field work, according to information for 2013, RosselkhozBank held more than 75%.

The financial institutions loan portfolio as of December 2013 exceeded 1.27 trillion rubles. Of the total volume of the loan portfolio, the amount of financing of individuals amounted to 247.1 billion rubles. For the needs of small and medium-sized businesses, the bank has allocated more than half of the loan funds - 571 billion rubles. RosselkhozBank ranks first in Russia in financing credit programs for small and medium-sized businesses, as well as for the agro-industrial complex. There are 76 regional branches of the bank throughout the country (information as of July 2015).

 

Offers for individuals: loans without surety

The bank offers a number of credit programs aimed at clients of different social status and age. For individuals who receive wages through the "RosselkhozBank", an interest rate of 15.5% is offered. Clients who have a RosselkhozBank salary card can count on an increased loan amount, as well as the opportunity to use a preferential interest rate. Funds are allocated for various needs and do not require surety or collateral.

A special offer for pensioners is a "pension" loan at 14.5%. The loan does not require a guarantee and is provided for any purpose. The maximum loan term is 7 years. The amount of funds varies from 10 thousand rubles to 500 thousand.

 

Lending to individuals with collateral

Funds are allocated to the borrower in the event that the collateral is provided. The interest rate is 14.5%. The funds are allocated for a period of 1 to 60 months. The maximum loan amount is 1 million rubles. As of 2016, the RosselkhozBank card allows the borrower to take advantage of the terms of the preferential program and receive the minimum interest rate.

As special programs, the bank offers to use the receipt of funds for targeted use. Thus, the Sadovod loan program is aimed at owners of garden plots. The money is allocated for the purchase of a land plot, repair work, construction of a house, etc. The interest rate on the loan is 19.5%. The maximum loan amount is 1.5 million rubles. A prerequisite is the security of the collateral.

To provide housing with running water, gas, electricity and other benefits, "RosselkhozBank" online offers a loan "engineering communications". The loan rate is 20.5%. The maximum amount is 1 million rubles. A pledge of liquid property is required.

Car loan

Bank customers can use the receipt of funds to purchase a new vehicle. The loan amount can reach 3 million rubles. Loan terms - 5 years. The interest rate on the loan is 17.5% subject to an initial payment of 15% or more.

Deposit programs from "RosselkhozBank"

The bank offers a range of savings deposits that provide high interest rates. Among the advantages of accumulative programs from JSC "RosselkhozBank" are the following:

high interest rates;
the opportunity to receive interest in case of early termination of the agreement;
the possibility of receiving funds in the form of monthly interest or capitalization of the deposit;
the ability to deposit funds to a deposit account;
the ability to withdraw part of the money without losing interest;
flexible conditions for clients.

Deposit "Gold"

The bank offers to use the accumulative program, which provides for increased interest rates. The deposit can be opened in any currency. There is also an online opportunity from RosselkhozBank, with the help of which a deposit is opened remotely (without visiting a bank branch). The minimum deposit amount is 1.5 million rubles (in dollars and euros - 50 thousand). The rate depends on the amount of the deposit, as well as the term, and ranges from 7.4% to 9.6% in rubles (2016). The interest rate in dollars varies from 0.7% to 3.6%, in Euro - 0.05% - 2%.

 

Deposit "Save up for a dream"

For individuals, there is a deposit program that provides for obtaining favorable interest rates. For the Russian ruble the interest rate is 7.4%, for the dollar - 1.8%, for the euro - 0.75%. The minimum amount of funds is 3 thousand rubles, the maximum is 10 million. Regular replenishment of the deposit account is provided. The term of the agreement with the bank is 2 years. For users who plan to take out a loan from RosselkhozBank, termination of the agreement is provided with preservation of interest on the deposit.

 

Pension Plus deposit
The minimum amount of funds that must be deposited into the account is 500 rubles. The term of the deposit is 2 years. Interest rate 7%. Upon conclusion of a 395-day contract, the interest rate is 6.8%. The deposit can only be made in rubles.

 

Bank cards from "RosselkhozBank"
One of the most popular payment instruments are credit cards, which allow you to use borrowed funds in the absence of the required amount. This eliminates the need to contact the bank branches. As of 2016, RosselkhozBank online offers a number of credit cards that have different interest rates and allow you to use certain cash limits.

 

Amur Tiger card
According to the terms of the bank, interest for the use of borrowed funds on an annualized basis is 23.9%. The maximum amount provided under the program is 250 thousand rubles. During the first year, the RosselkhozBank card is serviced free of charge. In the future, an amount of 700 rubles will be charged from the clients account (for a year of service).

Master card

For customers who often use credit cards to pay for goods and services, the "Host" Card will be the most profitable option. The interest rate for the use of funds and the maximum loan amount meets the conditions for the Amur Tiger credit card. At the same time, the Rosselkhozbank card allows you to use the cash back option. When paying for goods and services in any retail outlets, the client is refunded to the account 1% of the amount spent. When using a credit card to pay for gas station services, 5% of the cashless payment is returned to the users balance. During the first year, the "owner" card is serviced free of charge.

All credit cards of the bank have a grace period of 55 days.

Clients who need a reliable financial instrument can use Rosselkhozbank debit cards. A financial instrument in the form of a card is accepted for payment anywhere in the world. Accounts can be opened in one of three major currencies. To issue a personal debit card, an individual must contact any bank branch.

 

Virtual card: "Rosselkhozbank"

Visa and MasterCard payment systems support the use of virtual cards, which are in demand all over the world, despite the absence of a physical medium. The "RosselkhozBank" virtual card allows you to carry out financial transactions without specifying the details of the plastic card. By using the details provided by the bank, the client can make online purchases without risk.

In most cases, the issuance of a virtual card involves the use of a certain limit of funds in accordance with the tariff plan. Bank customers who cooperate with JSC "RosselkhozBank" online, that is, connected to the remote service system, have the opportunity to order a card in real time without visiting a bank branch.

Today RosselkhozBank is not just a large institution, but a reliable partner for individuals who wish to use financial instruments to achieve their goals. The bank offers credit and deposit programs for individuals, convenient payment instruments for enterprises, organizations and institutions, and large investment projects for depositors.