Crop Production
Crop Protection
Crop Improvement
Sustainable Agriculture
Organic Farming
Indigenous Farming

Weather
Soil
Water
Seed
Farm Enterprises
Nutrition
Post Harvest Technology
Bio Technology
Bio-Fuels

PUNJAB NATIONAL BANK

1. Krishi Card

2. Scheme for Production Credit to Farmers for Growing Crops (Crop Loans)

3. Scheme for Financing Under PNB Krishi Card (Kisan Credit Card)

4. Scheme for Composite Cash Credit Limit to Farmers

5. Scheme for Package Loan to Farmers (Pnb Kisan Sampuran Rin Yojana)

6. PNB Kisan Ichchha Purti Yojana

7. Credit Against Gold Ornaments/Jewellery, National Savings Certificates, Fixed Deposit Receipts and Kisan Vikas Patra to Farmers

8. Scheme for Financing Farmers Growing Potato/Fruits Against Pledge of Cold Storage Receipts

9. Produce (Marketing) Loan Scheme

10. Farm Mechanisation Scheme - Financing For Purchase of Farm Machinery and Repair/Renovation of Tractors and Power tillers

11. Scheme for Financing Farmers for Purchase of Second Hand Tractors

12. Scheme for Financing Self-Propelled Combine Harvesters

13. Scheme for Financing Farmers for Purchase of Trucks and other Transport Vehicles

14. Scheme for Financing Minor Irrigation

15. Scheme for Financing Development of Horticulture (Fruits, Flowers & Vegetables) and Plantation Crops

16. Scheme for Financing Forestry Development Programmes

17. Scheme for Financing Agricultural Graduates for Setting up of Agri-Clinics and Agri-Business Centres(ACABC)

18. Scheme for Financing Farmers for Purchase of Land for Agricultural Purpose

19. Scheme for Financial Assistance to Agricultural Graduates for Purchase of Land and Undertaking Agricultural Activities

20. Scheme for Financing Mushroom Cultivation

21. Scheme for Financing Mushroom Spawn Production

22. Scheme for Financing Setting Up Of Biogas Units

23. Scheme for Financing Commission Agents/Arhtiyas/Dealers, Commission Agents/Arhtiyas & Dealers Engaged in Distribution of Cattle Feed, Poultry Feed, Dairy Feed, Etc., Against Their Paid-Up Stock

24. Scheme for Financing Poultry Farming

25. Scheme for Financing Dairy Development Programmes

26. Dairy Vikas Card Scheme (Implemented In Select States)

27. Scheme for Financing Fisheries Development

28. Scheme for Financing Sheep/Goat Breeding/Rearing Activities

29. Scheme for Financing Piggery Development

30. Scheme for Financing Purchase of Animal Drawn Vehicles I.E. Carts and Draft Animals

31. Scheme for Financing Apiculture (Bee-Keeping)

32. Scheme for Financing Kitchen Gardening

1. KRISHI CARD

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Punjab National Bank has contributed significantly in the field of agriculture and other related activities for accelerating the pace of rural development. It has been providing loans to farmers under its various schemes specially designed for the agricultural sector.

Purpose:    

(i) Short term working capital for agricultural activities, domestic requirements such as education, consumable items, medical expenses, etc.,

(ii) term credit needs of the farmers and credit against of debt from non-institutional lenders.

Eligibility:

Progressive literate and illiterate farmers who are owner cultivators, tenants, lessee or allottee farmers with recorded occupancy rights or farmers with ancestral/perpetual rights of cultivation. Oral tenants are eligible only if land owners agree to become co-borrowers, Self Help Groups (SHGs) of such tenants may also be given Kisan Credit Cards.

For further details Click here

2. SCHEME FOR PRODUCTION CREDIT TO FARMERS FOR GROWING CROPS (CROP LOANS)

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Purpose:

Purchase of inputs for crop production.

Eligibility:

Farmers who are owner-cultivators, tenants, lessee or allottee-farmers with record occupancy rights or farmers with ancestral/perpetual rights of cultivation.

Extent of loan:

Need based, depending upon scale of finance.

For further details Click here

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Purpose:

Loan is provided to cover short term working capital for agriculture activities.

Eligibility:

Progressive literate and illiterate farmers

Extent of Loan:

Maximum Rs.10 lakh.

For further details Click here

4. SCHEME FOR COMPOSITE CASH CREDIT LIMIT TO FARMERS

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Purpose:

For purchase of farm inputs required.

Eligibility:

All farmers owning agricultural land.

Nature & extent of facilities:

Need based Composite Cash Credit Limit with a maximum of Rs.5000/-

Repayment of Loan:

Period of limit will be 3 years with an annual review. Sales proceeds of produce are to be routed through composite cash credit account. Customer should clear the debit balance under composite cash credit limit at least for a week, once in a year, excepting consumption loan portion which is to be adjusted within a period of 3 years.

For further details Click here

5. SCHEME FOR PACKAGE LOAN TO FARMERS (PNB KISAN SAMPURAN RIN YOJANA)

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Purpose:

Farmers for undertaking various agricultural and allied activities. Loan is also provided for processing/storage/value addition activities post harvest technology.

Eligibility:

Farmers who are owner-cultivators, tenants, lessee or allottee-farmers with recorded occupancy rights or farmers with ancestral/perpetual rights of cultivation.

Extent of Loan:

Need based. The farmer shall draw out his plan encompassing all agricultural activities.

For further details Click here

6. PNB KISAN ICHCHHA PURTI YOJANA

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Purpose:

Loan is sanctioned for productive purpose (production and investment credit) related to agriculture and allied activities.

Eligibility:

Only existing good agricultural land owner borrowers who have been continuously availing of any farm advance against mortgage of agriculture land.

Extent of loan:

Loan limit will be the lowest of :

5 times average annual (2 years) income from agriculture and allied activities of the borrower.
or
50% of value of mortgage land.

For further details Click here

7. CREDIT AGAINST GOLD ORNAMENTS/JEWELLERY, NATIONAL SAVINGS CERTIFICATES, FIXED DEPOSIT RECEIPTS AND KISAN VIKAS PATRA TO FARMERS

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Purpose:

Bank accepts gold ornaments and jewellery, fixed deposits, National Savings Certificates and Kisan Vikas Patra as security for agricultural loans.

Eligibility:

Applicant should be an agriculturist.

Extent of Loan:

Amount of loan is fixed according to the prescribed scale of finance for agricultural loan/approved unit cost.

For further details Click here

8. SCHEME FOR FINANCING FARMERS GROWING POTATO/FRUITS AGAINST PLEDGE OF COLD STORAGE RECEIPTS

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Eligibility:

Farmers who have grown potato and fruit crops from their own resources or with financial assistance from our Bank.

Extent of Loan:

Maximum Rs.25,000/-

For further details Click here

9. PRODUCE (MARKETING) LOAN SCHEME

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Purpose:

To meet short term credit requirement to adjust/repay the outstanding crop loan/KCC limit availed by farmers from the bank and to procure better price by storing farm produce and selling it at favourable price within a specified period.

Eligibility:

Farmers who have availed themselves of crop loan/KCC facility/composite cash credit limit from our Bank only for raising the concerned crops in that season which should not be overdue for repayment.

For further details Click here

10. FARM MECHANISATION SCHEME - FINANCING FOR PURCHASE OF FARM MACHINERY AND REPAIR/RENOVATION OF TRACTORS AND POWERTILLERS

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Purpose:

Purchase of new tractors and matching implements/equipments, new power tillers, second hand tractors with matching implements, agricultural machinery, repair/renovation of tractors.

Eligibility:

For tractors: Farmer or a group of farmers holding land jointly should have a land holding either owned by them or held by them on perpetual leasehold rights of minimum 2.5 acres of perennially irrigated land or corresponding acreage.

Extent of Loan: Need based loan.

For further details Click here

11. SCHEME FOR FINANCING FARMERS FOR PURCHASE OF SECOND HAND TRACTORS

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Purpose:  

To provide loan for purchase of second hand tractor to eligible farmers.

Eligibility:

Farmer or a group of farmers holding land jointly should have a land holding either owned by them or held by them on perpetual leasehold rights of minimum 2.5 acres of perennially irrigated land or corresponding acreage. Thus, financing of tractor shall be done after ensuring economic viability of the tractor loan proposal.

Extent of Loan:    

Loan for second hand tractor and three implements including a trailer shall be restricted to Rs.1,50,000/- (Rupees one lakh fifty thousand only).

For further details Click here

12. SCHEME FOR FINANCING SELF-PROPELLED COMBINE HARVESTERS

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Purpose:

Loan is given for financing purchase of combine harvester.

Eligibility:

Farmers: Applicant should be able to maintain and run combine harvester or should make suitable arrangements for the same.

Extent of Loan: Need based.

For further details Click here

13. SCHEME FOR FINANCING FARMERS FOR PURCHASE OF TRUCKS AND OTHER TRANSPORT VEHICLES

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Purpose:

Loan is given for purchase of new trucks, other new motorised light/medium vehicles.

Eligibility:

Nature of Loan: Term Loan.

For further details Click here

14. SCHEME FOR FINANCING MINOR IRRIGATION

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Purpose:

Purchase of Pump sets, construction of Dug wells, deepening of Wells/Repair to wells, Bore wells, Shallow Tubewells, Deep Tubewells, Installation of Persian Wheels/Rehats, Sprinkler Sets, Drip Irrigation, Solar Pumps, Wind Mills, Check Dams, Construction of pump house, water tanks, laying of field channels, pipe lines and water courses, Use of PVC and MS pipes and GI bends Standby Diesel Engines, Pump sets fitted on Trolleys, Bicycle along with Diesel pumpsets Replacement of pumping equipment, Generator sets for energisation of pumpsets used for agricultural purposes, Lift Irrigation and related activities.

Eligibility:

I. A farmer intending to implement a minor irrigation project must have a holding of at least 2.5 acres of land. Project must be technically feasible and financially viable.
II. Group Financing – Community Projects: Small and marginal farmers in groups or community minor irrigation projects are also financed.

Extent of Loan: Need based.

For further details Click here

15. SCHEME FOR FINANCING DEVELOPMENT OF HORTICULTURE (FRUITS, FLOWERS & VEGETABLES) AND PLANTATION CROPS

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Purpose:

Development of new orchards or groves of fruit crops, plantation crops, ornamental crops, medicinal plants, essential oil/aromatic plants etc, Plantation, raising vegetables ,raising flower crops, inter-cropping in horticultural crops, Marketing loan to meet picking, grading, crating, forwarding and transportation costs etc..

Eligibility:

Individual farmers or group of farmers with stipulated land holding.

Extent of loan:

Working Capital loan would depend upon scales of finance. In case marketing loan is also considered, it does not exceed 20 per cent of the estimated value of crop.

For further details Click here

16. SCHEME FOR FINANCING FORESTRY DEVELOPMENT PROGRAMMES

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Purpose:

Term Loan shall be provided for the development of nurseries, Plantation and raising forestry trees up to harvesting, Loan for inter-cropping is also considered depending upon the crops to be grown.

Eligibility: Farmers.

Extent of Loan: Need based.

SCHEME FOR FINANCING DEVELOPMENT OF WASTELAND (INCLUDING TREE PATTA SCHEME)

Eligibility:

Farmers having land holdings, Panchayats /other bodies having such community land.

MARGIN MONEY ASSISTANCE SCHEME FOR DEVELOPMENT OF WASTELAND

Eligibility:

State Government Corporations, Urban Development Authorities, Public Undertakings and Semi-Governments Organisations.

DEVELOPMENT OF NON-FOREST WASTELAND UNDER INVESTMENT PROMOTION SCHEME

Eligibility:

Projects promoted by Individual entrepreneurs and Individual/group of farmers,Central and State Governments Undertakings,Co-operative Institutions,Public Trusts and Societies registered under the Societies Registration Act, Corporate Bodies registered under the Companies Act.

For further details Click here

17. SCHEME FOR FINANCING AGRICULTURAL GRADUATES FOR SETTING UP OF AGRI-CLINICS AND AGRI-BUSINESS CENTRES (ACABC)

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Purpose:

Financial assistance is provided to the eligible persons for any economically viable activity selected by the Graduates acceptable to the Bank:

(i) Soil and water quality-cum-inputs testing laboratories (with Atomic Absorption Spectrophotometers).
(ii) Pest surveillance, diagnostic and control services.
(iii) Maintenance, repairs and custom hiring of agricultural implements and machinery including micro-irrigation (sprinkler and drip) systems.
(iv) Agri-service centres including the three activities mentioned above (Group activity).
(v) Seed processing units.
(vi) Micro-propagation through Plant Tissue Culture Labs and Hardening Units.
(vii) Setting up of vermiculture units, production of bio-fertilizers, bio- pesticides, bio-control agents.
(viii) Setting up of Apiaries (bee keeping) and honey & bee products processing units.
(ix) Provision of Extension Consultancy Services.
(x) Facilitation and agency of agricultural/insurance services.
(xi) Hatcheries and production of fish finger-lings for aquaculture.
(xii) Provision of livestock health cover, setting up veterinary dispensaries and services including frozen semen banks and liquid nitrogen supply.
(xiii) Setting up of Information Technology Kiosks in rural areas for access to various agriculture related portals.
(xiv) Feed Processing and Testing Units.
(xv) Value Addition Centres.
(xvi) Setting up of Cool-Chain from the farm level onwards (Group Activity).
(xvii) Post Harvest Management Centres for sorting, grading, standardization, storage and packaging.
(xviii) Setting up of Metallic/Non-Metallic Storage Structures (Group Activity).
(xix) Retail marketing outlets for processed Agri-products.
(xx) Rural marketing dealerships of farm inputs and outputs.
(xxi) Internet kiosks either separately or in combination of any of the eligible project activities selected by the entrepreneurs.

Eligibility:

(i) The applicant should be Agricultural Graduates/Graduates in subjects allied to agriculture like horticulture, animal husbandry, forestry, dairy, veterinary, poultry farming, pisciculture and other allied agricultural activities.
(ii) Individuals or in group of not exceeding 5 persons; of which one could be a Management Graduate with qualification or experience in business development and management.

For further details Click here

18. SCHEME FOR FINANCING FARMERS FOR PURCHASE OF LAND FOR AGRICULTURAL PURPOSE

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Purpose:

Farmers to purchase develop and cultivate agricultural as well as fallow and wasteland.

Eligibility:

Small and marginal farmers and Share croppers/Tenant farmers.

Extent of Loan:

Maximum extent of loan under the Scheme shall be restricted to Rs.5 lakh.

For further details Click here

19. SCHEME FOR FINANCIAL ASSISTANCE TO AGRICULTURAL GRADUATES FOR PURCHASE OF LAND AND UNDERTAKING AGRICULTURAL ACTIVITIES

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Purpose:

Purchase of land, Development of land, Crop loan/loan for any allied agricultural activity.

Eligibility:

The applicant must belong to farming families which have no land holding. And must be Graduates in Agriculture, Veterinary Sciences, or Agriculture Engineering and must be presently unemployed.

For further details Click here

http://www.pnbindia.com/c_agriculture.htm#graduates_landpurchase

20. SCHEME FOR FINANCING MUSHROOM CULTIVATION

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Purpose:

Loan is considered for Investment Credit and Working Capital (For initial one crop only).

Eligibility:

Loan is considered for individuals as well as for large sized units possessing adequate experience of mushroom cultivation.

Extent of Loan: Need based.

For further details Click here

21. SCHEME FOR FINANCING MUSHROOM SPAWN PRODUCTION

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Purpose:

Financial assistance for spawn production is considered for the purpose of investment as well as recurring expenditure.

Eligibility:

Individuals as well as large sized units possessing qualification in plant pathology or having proper background and training for spawn production.

Extent of Loan: Need Based.

For further details Click here

22. SCHEME FOR FINANCING SETTING UP OF BIOGAS UNITS

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Eligibility:

Intending borrower should have adequate number of cattle commensurate with size of plant proposed to be set up.

Extent of loan:

Need based depending upon models and capacities of biogas plant

Repayment of loan: 5-7years.

For further details Click here

23. SCHEME FOR FINANCING COMMISSION AGENTS/ARHTIYAS/DEALERS, COMMISSION AGENTS/ARHTIYAS & DEALERS ENGAGED IN DISTRIBUTION OF CATTLE FEED, POULTRY FEED, DAIRY FEED, ETC., AGAINST THEIR PAID-UP STOCK

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Details of the scheme for financing Commission Agents/Arhtiyas/Dealers for distribution of farm inputs are given in two parts, i.e., Part-I and Part-II .

Part-I:

Finance to arhtiyas/commission agents/dealers engaged in distribution of agriculture inputs such as seeds, pesticides, fertilisers, etc., against their paid-up stock and book-debts and commission agents/arhtiyas who are extending credit to farmers for purchase of agriculture inputs but are not exclusive dealers of these inputs:

Part-II:

Financing dealers engaged in distribution of cattle feed, poultry feed, dairy feed, fishery feed, etc., upto maximum amount of rs.40 lakh against their paid-up stock:

For further details Click here

24. SCHEME FOR FINANCING POULTRY FARMING

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Scheme for financing poultry farming provides for investment credit for construction of sheds and purchase of equipments on the one hand and production credit for purchase of day old chicks, feed, medicines, etc., on the other hand. Financial assistance shall be made available to the intending borrowers.

Purpose:

For subsidiary activity:

Investment credit will be provided in the shape of medium term loan for acquiring fixed assets whereas production credit will be given to meet the working capital requirements in the shape of Short Term Loan.

For main activity:

Investment credit will be provided as medium term loan whereas production credit will be given either in the shape of cash credit limit or as an integral component of investment credit.

Eligibility:

For subsidiary activity:

Small farmers, landless agricultural labourers or any other persons who are under-employed and intend to supplement income through poultry. He should be having adequate land/shed where he/she proposes to establish poultry farm.

For main activity:

The applicant should be well experienced in running poultry unit and should be engaged/desirous of engaging himself in such an activity on commercial basis as his main vocation. He should be having required land/shed where he intends to establish or enlarge a poultry farm.

For further details Click here

25. SCHEME FOR FINANCING DAIRY DEVELOPMENT PROGRAMMES

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Dairy projects are financed for the following activities:

I. Financing individuals for purchase of good quality high yielding milch animals, viz., cows/buffaloes or cross bred cows for milk production.
II. Financing individuals for purchase and rearing of calves upto the stage of first lactation.
III. Financing for other innovative animal husbandry activities, namely, cattle breeding, salvaging of dry pregnant cattle, milk-processing facilities, construction of milk houses, etc.

Financing for milk production activity i.e. purchase and maintenance of milch animals (lactating cows/buffaloes) for milk production:

Purpose:

Bank provides loan for following purposes:

SCHEME FOR FINANCING REARING OF GOOD QUALITY FEMALE CALVES

Purpose:

Rearing of female calves of about 4 months of age born of healthy parents upto the age of first calving.

FINANCING FOR OTHER INNOVATIVE ANIMAL HUSBANDRY ACTIVITIES:

Purpose:

Cattle Breeding through Artificial Insemination; Salvaging of dry pregnant cattle; Financing for milk processing facilities; Financing for construction of milk houses (Dudhghar) by Village Milk Cooperative Societies; Financing for development of pasture, etc.

For further details Click here

26. DAIRY VIKAS CARD SCHEME (Implemented in select States)

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Purpose:

Purchase of good quality high milk yielding cows/buffaloes or exotic cross bred cows; Construction of shed for keeping the animals; Purchase of working capital items like, dairy feeds, veterinary medicines, fodder, dairy machinery or other equipments, etc.

Eligibility:

Landless agricultural labourers or farmers/ individuals having experience in maintaining milch animals.

PURCHASE OF NEW BUFFALO/REPLACEMENT OF EXISTING BUFFALO:

Purpose:

Applicants are allowed to purchase new buffalo/replacement of existing buffalo to the extent of reduction in limit provided the conduct of account is observed satisfactory for one year. Such a facility will be allowed upto third year.

For further details Click here

27. SCHEME FOR FINANCING FISHERIES DEVELOPMENT

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SCHEME FOR FINANCING INLAND FISHERIES DEVELOPMENT AND BRACKISH WATER FISH AND PRAWN CULTURE

Purpose:

Financial assistance is extended for Construction/renovation of ponds/tanks., construction of sluices, purchase of fish prawn, fry and fingerlings/ fish seed/ prawn seed, purchase of inputs like oil cake, fertilizers, organic fertilizers and other feed materials upto the first harvest, purchase of nets, boxes, baskets, ropes, shovels, hooks and other accessories etc.

Eligibility:

Loan assistance is extended to farmers, individuals, co-operative societies, companies, association of persons who have adequate know-how and necessary infrastructural facilities for implementation of the scheme.

Extent of Loan: Need based.

Repayment of Loan:

Loans need to be repaid within the period specified.

SCHEME FOR FINANCING MARINE FISHERIES

Purpose:

Loan can be considered for purchase of mechanized/non-mechanized boats/deep sea fishing vessels/trawlers, purchase of nets - travel net/purse-seine/grill nets, purchase of other deck equipments like travel, winch, wire rope, gallows, net-handler, navigational lights, life jackets, life boats, anchors, direction finders, fish finders, etc. purchase of marine engine. etc.

Eligibility:

Loan is extended to individual(s)/partnership firm(s), co-operative society(ies), limited company(ies) who are technically qualified and having adequate experience to undertake such venture.

Extent of Loan:

Amount of loan will be according to the requirements of project report submitted by intending borrower(s).

For further details Click here

28. SCHEME FOR FINANCING SHEEP/GOAT BREEDING/REARING ACTIVITIES

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Purpose:

Financial assistance is considered for Purchase of sheep/goat of recognized breed for the purpose of breeding and/or rearing them for wool, meat and milk production, construction of sheds for sheep/goat, if considered necessary, and also for purchase of equipments/tools, purchase of concentrate feed, if considered necessary.

Eligibility:

Small and marginal farmer(s) and agricultural labourer(s) desirous of undertaking sheep/goat breeding/rearing as subsidiary activity or trained persons desirous of taking up the venture on commercial lines are eligible for financial assistance.

Extent of Loan: Need based.

For further details Click here

29. SCHEME FOR FINANCING PIGGERY DEVELOPMENT

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Purpose:

For breeding and/or rearing of pigs.

Eligibility:

Farmers/agricultural labourers and individuals desirous of undertaking piggery as subsidiary activity and the persons undertaking such activity on commercial lines as main activity.

Extent of Loan: Need based.

For further details Click here

30. SCHEME FOR FINANCING PURCHASE OF ANIMAL DRAWN VEHICLES i.e. CARTS AND DRAFT ANIMALS

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Purpose:

Loan is given for purchase of draft animals, animal drawn carts for transport of agriculture inputs & farm produce and other such purposes.

Eligibility:

Farmers owning minimum 2 acres of land; farmers having perpetual right of cultivation of minimum 2 acres of land.
Persons belonging to category of `Landless agriculture labour’ are also financed for purchase of animals and carts for providing self-employment.

For further details Click here

31. SCHEME FOR FINANCING APICULTURE (BEE-KEEPING)

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Purpose:

Financial assistance is made available for meeting:

• Fixed cost such as Construction of honey houses; purchase of colonies; purchase of equipments like bee-boxes, honey extractors, smokers & bee veil, bee knife, hive tool, queen gate, feeder, solar wax extractor, plastic drums for storing honey, sting proof rubber gloves, etc.
  
• Recurring Costs such as purchase of foundation sheets, sugar, medicines, gloves, etc.

Eligibility:

Small and marginal farmer(s)/ agricultural labourer(s) who are trained in bee keeping and individuals/Association of persons/Companies who possess adequate experience in bee-keeping and are desirous of taking up bee-keeping activity on commercial basis.

For further details Click here

32. SCHEME FOR FINANCING KITCHEN GARDENING

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Purpose:

Loan is given for initial expenditure on fencing, purchase of inputs like seeds, fertilizers, plant protection chemicals, Land development, Small gardening equipments.

Eligibility:

Applicant be employed in a Government/Semi-Government unit or in a Co-operative/Private Sector Organization of repute. However, he/she should not be working as an ad-hoc employee; Professional and self-employed person having previous dealings with the financing branch; Pensioner of Central/State Government or other Government Undertakings and should be having pension account with financing branch; Wives of employees of Government/Semi Government bodies and other organizations as aforesaid are also eligible provided loan for the purpose has not been raised by their husbands; Staff members are also eligible provided they have sufficient space to undertake such activities; Applicant must have vacant land in/around residential house with right to use such land; He/she should have a deposit account with bank for at least six months; The applicant should have adequate income for repayment of loan.

For further details Click here

http://www.pnbindia.com/c_agriculture.htm#kitchen

Source: http://www.pnbindia.com