بسم الله الرحمن الرحيم
When your salary is twenty thousand then why do you need to take bank loan? If you have to pay interest in case you take loan on this agricultural card then it shall not be lawful for you to take the loan and if you don’t have to pay interest then it is allowable.
Allah knows Best!
Darul Uloom Deoband
This answer was collected from the official ifta website of Darul Uloom Deoband in India.