Up to 100% of the ex-showroom price net of discounts
insurance and registration are excluded. Final amount depends on product and customer profile.
6 months to 5 years (60 months)
tractor repayment may be quarterly or half-yearly under the common .
Value awaiting review
Individuals and non-individuals: private/public limited companies, partnerships, proprietorships, co-operative societies, trusts and Hindu Undivided Families
subject to the selected Wheels route.
New: up to 2% of loan amount
used: up to 3% of loan amount.
₹0.65 per ₹1,000, or part thereof, charged daily on the overdue instalment.
Up to 100% of the ex-showroom price net of discounts
insurance and registration are excluded. Final amount depends on product and customer profile.
6 months to 5 years (60 months)
tractor repayment may be quarterly or half-yearly under the common .
Value awaiting review
Individuals and non-individuals: private/public limited companies, partnerships, proprietorships, co-operative societies, trusts and Hindu Undivided Families
subject to the selected Wheels route.
New: up to 2% of loan amount
used: up to 3% of loan amount.
₹0.65 per ₹1,000, or part thereof, charged daily on the overdue instalment.
Up to 100% of the ex-showroom price net of discounts
insurance and registration are excluded. Final amount depends on product and customer profile.
6 months to 5 years (60 months)
tractor repayment may be quarterly or half-yearly under the common .
Value awaiting review
Individuals and non-individuals: private/public limited companies, partnerships, proprietorships, co-operative societies, trusts and Hindu Undivided Families
subject to the selected Wheels route.
New: up to 2% of loan amount
used: up to 3% of loan amount.
₹0.65 per ₹1,000, or part thereof, charged daily on the overdue instalment.
Up to 100% of the ex-showroom price net of discounts
insurance and registration are excluded. Final amount depends on product and customer profile.
6 months to 5 years (60 months)
tractor repayment may be quarterly or half-yearly under the common .
Value awaiting review
Individuals and non-individuals: private/public limited companies, partnerships, proprietorships, co-operative societies, trusts and Hindu Undivided Families
subject to the selected Wheels route.
New: up to 2% of loan amount
used: up to 3% of loan amount.
₹0.65 per ₹1,000, or part thereof, charged daily on the overdue instalment.
Up to 100% of the ex-showroom price net of discounts
insurance and registration are excluded. Final amount depends on product and customer profile.
6 months to 5 years (60 months)
tractor repayment may be quarterly or half-yearly under the common .
Value awaiting review
Individuals and non-individuals: private/public limited companies, partnerships, proprietorships, co-operative societies, trusts and Hindu Undivided Families
subject to the selected Wheels route.
New: up to 2% of loan amount
used: up to 3% of loan amount.
₹0.65 per ₹1,000, or part thereof, charged daily on the overdue instalment.
Up to 100% of the ex-showroom price net of discounts
insurance and registration are excluded. Final amount depends on product and customer profile.
6 months to 5 years (60 months)
tractor repayment may be quarterly or half-yearly under the common .
Value awaiting review
Individuals and non-individuals: private/public limited companies, partnerships, proprietorships, co-operative societies, trusts and Hindu Undivided Families
subject to the selected Wheels route.
Up to 4% of loan amount for new and used two-wheelers.
₹0.65 per ₹1,000, or part thereof, charged daily on the overdue instalment.
this is a starting rate, not a maximum or an individual quotation.
Value awaiting review
₹50,001–₹25,00,000.
6 or 11 months.
Value awaiting review
For individuals engaged in agriculture or allied activity, including dairy, fishery, animal husbandry, poultry, bee-keeping and sericulture. Age 21–70 at application.
Up to 1% of the disbursement amount. The older 2023 Gold Loan Kit states 1% and says applies if applicable
the later schedule linked from the current Rates & Charges page does not specify tax on this row.
The later Gold Loan schedule linked from the current Rates & Charges page lists 3% of outstanding principal. The 2023 Gold Loan Kit says nil foreclosure on fixed-rate loans
the current product page does not state the rate type, and the linked 2026 could not be retrieved.
this is a starting rate, not a maximum or an individual quotation.
Value awaiting review
₹10,000–₹25,00,000 for bullet repayment
₹10,000–₹80,00,000 for regular repayment.
Bullet repayment: 6 or 11 months. Regular repayment: 6–36 months.
Value awaiting review
Bullet repayment: 21–70 years at application. Regular repayment: 18–72 years at application.
Up to 1% of the disbursement amount. The older 2023 Gold Loan Kit states 1% and says applies if applicable
the later schedule linked from the current Rates & Charges page does not specify tax on this row.
The later Gold Loan schedule linked from the current Rates & Charges page lists 3% of outstanding principal. The 2023 Gold Loan Kit says nil foreclosure on fixed-rate loans
the current product page does not state the rate type, and the linked 2026 could not be retrieved.
Demand/term: the higher of 1.00% over the rate or + Strategic Premium + 1.50% p.a. Overdraft: the higher of 1.25% over the rate or + Strategic Premium + 1.75% p.a. Staff: 0.50% over the rate. The page shows no effective rate (—).
The higher-of comparison uses the certificate rate or Bank of Baroda + Strategic Premium, with a different spread for demand/term and overdraft facilities.
No ceiling
minimum ₹3,000 for term/demand loan and ₹20,000 for overdraft.
Value awaiting review
Value awaiting review
Resident individuals aged 21 years or older
the must be issued by a post office or Bank of Baroda branch and pledged. Third-party advances are not permitted.
₹500 + .
The bank's schedule effective 1 April 2026 sets overdue-payment charges by priority-sector classification and sanctioned amount: priority-sector rows show Nil below ₹50,000, 1% p.a.above ₹50,000 but below ₹2 lakh, and 2% p.a.above ₹2 lakh
other-than-priority rows show Nil up to ₹10,000 and 2% p.a.above ₹10,000. It also lists 2% p.a. for specified overdue overdraft regularisation and sanction-condition breaches. Charges are for the actual default period
total penal charges are capped at 4% p.a. of outstanding credit facilities. The sanction determines which provisions apply.
Floating: the current retail-rate schedule states 10.65%–13.40% p.a. on + Strategic Premium + 2.50%–5.25%
the dedicated pre-owned-car page still states 10.20%–12.95% p.a. for the same spread. Fixed: 11.90%–14.65% p.a. on 1-year + Strategic Premium + 2.90%–5.65%. The official pages also differ on the Group Credit Life Insurance loading
confirm the applicable rate with Bank of Baroda before applying.
+ applicable spread
the retail-loan table identifies -linked pricing for these vehicle-loan rows.
The lowest of 75% of latest market value, 75% of agreement/invoice value, or 100% of insured declared value ().
Maximum 60 months
repayment period plus vehicle age from the original invoice date must not exceed 96 months.
Salaried employees and pensioners: ₹2.50 lakh and above. Businessmen, professionals, directors and agriculture/allied applicants: ₹3.00 lakh and above.
Resident Indian individuals, including salaried employees, pensioners, self-employed professionals, businessmen, private/public-company directors and persons in agriculture/allied activities. Minimum age 21
maximum age 70 at the end of repayment. Minimum CIBIL score 701
score −1 may also be considered. Existing customers with a -compliant account for at least six months may not need fresh .
0.50% of loan amount plus
minimum ₹2,500 plus and maximum ₹10,000 plus .
Floating rate: nil. Fixed rate: nil part-payment up to cumulative ₹40,000 within the first 2 years and nil after 2 years
2% plus applies to the entire prepaid amount when the ₹40,000 threshold is exceeded in the first 2 years or when the account is closed within the first 2 years.
floating rate: 7.60%–11.30% p.a. Floating pricing is − 0.30% to + Strategic Premium + 3.15%
the applicable rate depends on bureau score and scheme terms.
Bank of Baroda says applies to all retail lending products. The current page lists at 7.90% (repo 5.25% + markup/base spread 2.65%) effective 6 December 2025 and 1-year at 8.75% effective 12 August 2026. Product-specific spreads, pricing and scheme conditions determine the applicable rate.
Up to 90% of the on-road price. The page’s amount caps conflict: Features says ₹5 crore for private-use vehicles
says ₹3 crore for individuals and ₹5 crore for non-individuals
says ₹2 crore for individuals and ₹5 crore for non-individuals. Confirm the individual cap with the bank before relying on it.
Up to 84 months
minimum 37 months for a fixed-rate car loan.
Value awaiting review
Salaried employees, businessmen, professionals, farmers, eligible companies/firms and / may apply. Borrower minimum age: 21 years
co-applicant: 18 years. Applicant, co-applicant or guarantor must be no older than 70 years at loan end. The page publishes the separate repayment-capacity bands in the key-facts table.
₹1,500 + up to ₹10 lakh
₹2,000 + above ₹10 lakh
Floating-rate individual borrowers: nil. Fixed-rate loans: nil part payment up to ₹40,000 within the first two years and nil after two years
The current page and the current Retail Loans schedule disagree. The page shows −0.50% to +1.70% for and Advantage up to ₹75 lakh, and −0.25% to +1.95% for Advantage above ₹75 lakh
the rate page's Max Savings rows show −0.45% to +1.30%up to ₹75 lakh and −0.20% to +1.55% above. The page's separately says floating pricing is 1-year to 1-year +1%. Confirm the applicable rate with the Bank
no single range is selected.
Conflicting benchmark wording: the page's rate table uses spreads and says is 0.25% above the normal / home-loan rate, while its says floating pricing is linked to 1-year with an annual reset. The current schedule lists 1-year at 8.75% (effective 12 September 2026) and at 7.90% (effective 6 December 2025)
its Max Savings floating rows use , while a separate -linked section is labelled effective from 1 April 2016 and sets 0.25%/0.50% over the normal Home Loan rate by amount. The Bank does not reconcile which benchmark or schedule applies to this variant
no borrower rate is calculated.
Location-based ceilings: Mumbai ₹10 crore
other metros ₹5 crore
urban areas ₹3 crore. The page repeats the ₹3 crore Urban Areas line twice. Each ceiling remains subject to income, repayment capacity and /margin rules
the page does not list semi-urban or rural ceilings.
Maximum loan period is 30 years including a moratorium of up to 36 months. For under-construction houses/buildings through the 7th floor, the page states an 18-month moratorium, then six additional months per floor, capped at 36 months.
Combined gross annual income of at least ₹5 lakh equivalent for applicant/co-applicants whose income is counted. The page says applicant/co-applicant income can be combined where an is included.
For holding Indian passports, holding foreign passports and . Applicants may borrow singly or jointly
are excluded. Counted-income applicants must meet the page's two-year overseas employment/work-permit or overseas residence/business condition and the published combined gross-income floor. The page sets minimum ages of 21 for a borrower and 18 for a co-applicant, and says age may be considered up to 70. Close relatives may co-apply
a non-relative may be considered only if a joint property owner.
Conflicting official terms: the page states a 100% processing-charge waiver for specified /channel/project leads, with ₹3,500–₹10,000 + out-of-pocket costs per property
for non- takeover it states nil subject to a refundable ₹1,500 login fee. The current 1 April 2025 tariff separately labels Home Loan (All variants) and prints 50%up to ₹50 lakh or 25% above, with ₹8,500–₹15,000 /₹8,500–₹25,000 limits and ₹8,500 takeover. The Bank does not reconcile the variant-specific waiver with the all-variants tariff.
The says pre-closure is nil. A separate generic fixed-rate Home Loan tariff says own-source repayment is nil and takeover by another lender costs 0.50% of outstanding. Because the page says fixed pricing was withdrawn but the current bank-wide schedule prints fixed rows without defining applicability, the fixed-rate tariff is not assigned to this borrower variant.
Floating: +2.00%up to ₹7.50 lakh, +1.90%above ₹7.50 lakh, and +1.10% for the Baroda Yoddha defence-child concession. Fixed: Base Rate +2.00%up to ₹7.50 lakh
+3.90%above ₹7.50 lakh
for the defence-child concession, Base Rate +2.00%up to ₹7.50 lakh and +3.10% above it. The page also publishes a 0.50% female-student concession and a further 0.50% medical-course concession
a 0.10% risk premium applies above ₹7.50 lakh where the borrower does not take group credit-life/life cover.
+2
₹1.25 crore for medical and aviation courses
₹25 lakh for other courses.
Up to 120 instalments after the moratorium for loans up to ₹7.50 lakh and up to 180 instalments for larger loans
maximum 10–15 years after the moratorium.
Value awaiting review
Indian-national students admitted to recognised graduation, postgraduate, professional, approved vocational, specialist or other eligible courses in India
specified // cases studying in India are included. Eligible courses include engineering, medical, agriculture, veterinary, law, dental, management, architecture, computer, //, IIM/IIT/IISc/XLRI/NIFT programmes, approved pilot/shipping training, evening courses and approved degree/diploma programmes. Parent/co-applicant income and future repayment capacity are assessed.
Nil up to ₹7.50 lakh
above ₹7.50 lakh, 1% of loan amount capped at ₹10,000 + applicable
₹8,500 per mortgaged property for advocate/valuer charges.
Fixed-rate loan: nil when prepaid from the borrower's own source
0.50% of outstanding when taken over by another lender.
/ Home Improvement Loan and / Home Loan Max Savings: floating rate linked to the bank's one-year , ranging from one-year to one-year +1.00%, reset annually and set with reference to applicant/co-applicant . The current one-year is 8.75% effective 12 August 2026, giving a published reference range of 8.75%–9.75% p.a.
and reset annually
-linked range is from one-year to one-year +1%
Mumbai ₹10 crore
other metros ₹5 crore
urban ₹3 crore
semi-urban/rural ₹1 crore, subject to income, repayment capacity and /margin.
Maximum 30 years including maximum 36-month moratorium
under-construction properties receive 18 months up to the seventh floor plus 6 months per floor thereafter, capped at 36 months.
Income-counted applicants need a reputed overseas job and valid contract/work permit for at least 2 years, or overseas employment/self-employment/business for at least 2 years
minimum gross annual income ₹5 lakh, including combined income where applicable.
with Indian passports, with foreign passports and are eligible, singly or jointly
are not eligible. Applicants considered for income must have at least two years of overseas work/business and minimum gross annual income equivalent to ₹5 lakh. Maximum tenure is 30 years, with up to 36 months moratorium.
Value awaiting review
Processing, documentation, verification/vetting, pre-sanction CPV, one-time post-inspection, legal, valuation, bureau, CERSAI and -verification charges are included
current charges are linked from the official service-charge page.
The / page publishes floating pricing from one-year to one-year +1.00% p.a., with annual reset and daily-reducing balance/monthly rests. The shared Max Savings page publishes a separate schedule
because the Bank does not state a conversion rule for this variant, that shared schedule is preserved as a non-controlling conflict rather than blended into this value.
One-year with annual reset
-linked pricing ranges from one-year to one-year +1%. The shared Max Savings schedule is retained as a separate general-page conflict, not as the variant's benchmark.
Mumbai: ₹10 crore
other metros: ₹5 crore
urban: ₹3 crore
semi-urban/rural: ₹1 crore, subject to income, repayment capacity and /margin norms. The shared Max Savings page has a different general schedule
that separate conflict is preserved in the comparison table and is not applied to this variant.
Up to 30 years initially, including a maximum 36-month moratorium. For under-construction homes up to the 7th floor: 18 months
add 6 months per additional floor, capped at 36 months.
₹5 lakh equivalent per year for income-counted applicant(s)
where an is counted, the Bank says combined applicant/co-applicant income can meet this threshold.
Individuals may apply singly or jointly
are excluded. Counted // income applicants must meet the Bank's published overseas work/residence test (at least 2 years) and ₹5 lakh gross annual-income rule. / definitions and nationality exclusions apply.
Baroda Home Loan and Home Improvement Loan tariff: up to ₹50 lakh, 0.50% of loan amount with minimum ₹8,500 and maximum ₹15,000
above ₹50 lakh, 0.25% with minimum ₹8,500 and maximum ₹25,000. Takeover is a flat ₹8,500 upfront. Charges are exclusive of
the tariff says the unified charge includes inspection, valuation and legal fees.
Nil on the / product page. That page also says its fixed-rate option was withdrawn from 1 July 2010
the current service-charge page's separate 0.50% takeover row is expressly for fixed-rate retail loans and is not assigned to this floating offer.
Floating: 7.20%–8.95% p.a.up to ₹75 lakh and 7.45%–9.20% p.a.above ₹75 lakh, calculated from 7.90% and the published spreads. Fixed spreads are +1.00% to +2.30%, varying by loan band and salaried status
see the full rate table.
Bank of Baroda Repo Linked Lending Rate (), 7.90% p.a. effective 6 December 2025
the Bank's page says pricing also depends on loan limit and score.
By location: Mumbai ₹20 crore
Hyderabad, New Delhi and Bengaluru ₹7.50 crore
other metros and Chandigarh–Panchkula–Mohali ₹5 crore
urban ₹3 crore
semi-urban/rural ₹1 crore. Subject to repayment capacity and /margin rules.
Up to 30 years including a maximum 36-month moratorium. For under-construction homes through the 7th floor, the stated moratorium is 18 months, then 6 additional months per floor, capped at 36 months.
For // applicants whose income is counted, combined gross annual income must be at least ₹5 lakh. The page does not state one resident-applicant minimum salary
residents are assessed using the published repayment-capacity bands.
Resident Indians and eligible , and
individual applicants may apply singly or jointly, but are not eligible. Resident counted-income applicants need 1 year of salaried employment or 2 years in business/profession (up to 3 months' service break). Counted-income // applicants need 2 years' qualifying overseas work/business residence and combined gross annual income of ₹5 lakh. Borrower age starts at 21
co-applicant at 18
age may be considered up to 70. Close relatives may co-apply
a non-relative must be a joint property owner.
Value awaiting review
Nil pre-closure charges are stated for this Max Savings Home Loan. The separate current fixed-rate tariff for retail loans distinguishes own-source prepayment (nil) from takeover by another lender (0.50% of outstanding)
the page does not resolve how that separate row applies to this product/borrower.
For tenor up to 120 months and facility up to ₹7.5 crore: + +0.75% to + +3.35%
effective 8.90% to 11.50%.
+ +0
Metro ₹25 crore, urban ₹10 crore, semi-urban ₹5 crore and rural ₹25 lakh.
Term loan up to 180 months
overdraft is for 12 months subject to annual review.
Salaried/professional, self-employed, business person, agriculturist or other applicant engaged for at least 3 years
service break up to 3 months allowed
minimum average GAI of the last 3 years₹3 lakh.
holding an Indian passport with a regular overseas job/business, valid contract or work permit for at least 2 years and overseas residence for at least 2 years
minimum average GAI of the last 3 years₹5 lakh.
Entity established in its line of activity for at least 3 years, minimum audited turnover ₹1 crore and cash profit for the last 3 years
, trust, society and public limited companies are not eligible.
Value awaiting review
Term loan: 1%, minimum ₹8,500 upfront per property and maximum ₹1,50,000. Overdraft up to ₹3 crore: 0.35%, minimum ₹8,500 and maximum ₹75,000
above ₹3 crore: 0.25%, minimum ₹8,500 and no maximum. Charges exclude .
2% within 12 months after initial sanction
nil after 12 months. For term loans, charges use the higher of scheduled amortisation balance or outstanding balance.
The current product page publishes fixed 13.65% p.a. (1-year + Strategic Premium + 4.65%) and floating 13.60% p.a. ( + Strategic Premium + 4.25%). The central retail-rate schedule publishes fixed 13.65% p.a. but floating 12.40% for the same + Strategic Premium + 4.25% formula. Both official values are retained because they conflict
the applicable sanctioned rate must be confirmed with . An additional 0.05% applies where an individual customer does not opt for Group Credit Life Insurance.
Bank of Baroda says applies to all retail lending products. The current page lists at 7.90% (repo 5.25% + markup/base spread 2.65%) effective 6 December 2025 and 1-year at 8.75% effective 12 August 2026. Product-specific spreads, pricing and scheme conditions determine the applicable rate.
Up to ₹10 lakh for all categories.
Up to 60 months.
Value awaiting review
Resident individuals including salaried employees, businessmen, professionals and farmers
Bank of Baroda staff and ex-staff can apply under the public scheme. The borrower must be at least 21 and borrower/co-applicant/guarantor age plus the repayment term must not exceed 70.
Normal two-wheeler loan: 2% of the loan amount plus , minimum ₹250 plus . The same service-charge schedule lists Digital Two Wheeler at 2% plus , minimum ₹1,000
this product is the normal two-wheeler row.
Floating-rate: nil. Fixed-rate: nil part payment up to ₹10,000 within the first two years and nil after two years
the page otherwise describes fixed-rate pre-closure conditions.
The dedicated Yoddha page does not publish a variant-specific rate. Its linked detailed page currently shows fixed 13.65% p.a. (1-year + + 4.65%) and floating 13.60% p.a. ( + + 4.25%), while the current central retail-rate schedule shows fixed 13.65% and floating 12.40% for the same floating formula. Both official values are preserved
no single Yoddha rate is inferred and the sanctioned rate must be confirmed at application.
Dedicated Baroda Yoddha Two-Wheeler Loan route for eligible defence personnel covered by the Yoddha offering. The dedicated page does not publish a separate numeric rate, limit or tenure
it links to the detailed two-wheeler terms for those values. The linked general terms list salaried employees, businesspersons, professionals, farmers and staff/ex-staff as general applicant groups, subject to Bank assessment.
The current service-charge schedule lists nil processing charges for Baroda Yoddha customers where the Yoddha concession applies. For comparison, the linked normal two-wheeler row is 2% plus , minimum ₹250 plus .
Floating-rate pre-closure is nil. For fixed-rate two-wheeler loans, cumulative part payment up to ₹10,000 is nil within the first 2 years and after 2 years
otherwise 2% plus applies to the entire amount within the first 2 years, including closure.
Fixed 8.50%–11.05% p.a. for a new electric vehicle. Floating 7.60%–11.15% p.a. ( −0.30% to + +3.00%). A 0.05% additional rate applies on each floating slab when an individual does not opt for Group Credit Life Insurance (GCLI)
a 0.05% concession is offered for opting in, subject to the published minimum rate of 8.65% on the fixed-rate note.
Bank of Baroda says applies to all retail lending products. The current page lists at 7.90% (repo 5.25% + markup/base spread 2.65%) effective 6 December 2025 and 1-year at 8.75% effective 12 August 2026. Product-specific spreads, pricing and scheme conditions determine the applicable rate.
Up to ₹5 crore for private-use vehicles: individual borrowers up to ₹3 crore and non-individual borrowers up to ₹5 crore. Finance is up to 90% of the on-road price, so the published margin is 10%.
Up to 84 months
salaried individuals with CIBIL 726 or above may receive up to 96 months. Fixed-rate minimum is 37 months.
Value awaiting review
Salaried employees
businessmen, professionals and farmers
directors of private/public limited companies, proprietors and partnership firms
corporate entities and firms including , trusts and societies
and /. Borrower minimum age is 21
co-applicant minimum age is 18
age at the end of repayment must not exceed 70.
₹750 + for a loan up to ₹10 lakh
₹1,000 + above ₹10 lakh. The benefits section describes a 50% concession in the applicable processing charge.
Floating-rate individual: nil. Floating-rate non-individual: 4% of outstanding within six months of disbursement, nil after six months. Fixed-rate: nil part-payment up to cumulative ₹40,000within two years and nil after two years
otherwise 2% + on the entire prepaid amount when the ₹40,000/two-year limit is exceeded or the account is closed within two years.
the all-in rate depends on the Strategic Premium applied.
1-year — 8.75% p.a. from 12 September 2026 — plus Strategic Premium.
Minimum ₹25,000
maximum ₹1 crore for rural, semi-urban and urban branches and ₹2 crore for metro branches.
Value awaiting review
Value awaiting review
Commission agents/Arthias functioning in markets or mandies, engaged in commission-based trade and debtor realisation, with a good market reputation, at least 2 years’ experience and a valid market-committee/government licence.
Value awaiting review
2% p.a. for a sanctioned temporary overdraft, excess or ad-hoc limit that remains unregularised after its due date
total penal charges are capped at 4% p.a. of outstanding credit facilities.
7.20%–8.95% p.a. at 7.90% ( −0.70% to +1.05%) for salaried and non-salaried non-staff applicants
varies by loan limit and score.
Interest is linked to the Bank of Baroda Repo Linked Lending Rate (), reset monthly, and charged on a daily reducing balance.
Location table: Mumbai ₹20 crore
Hyderabad, New Delhi/NCR and Bengaluru ₹7.50 crore
other metros and Chandigarh tri-city ₹5 crore
urban ₹3 crore
semi-urban/rural ₹1 crore. The same page separately says ₹10 crore per unit—a conflict to confirm with Bank of Baroda.
A residential property loan with up to 30-year repayment, up to 36 months' moratorium, -linked monthly resets and location-dependent maximum amounts.
Income-counted applicants must be employed for at least 1 year if salaried or engaged in business/profession for at least 2 years
a service break up to 3 months may be allowed.
Resident Indians, with an Indian passport, with a foreign passport and
minimum borrower age 21, co-applicant 18
maximum age 70
salaried applicants generally need one year of employment and business/profession applicants two years.
Flexi loan over home security: 0.35%, minimum ₹5,000 and maximum ₹12,500. Yoddha home loan: nil with ₹8,500 out-of-pocket per property. Government employees: nil for non-/DST leads
For Baroda Mortgage Loan individuals, the current floating rate is 8.90%–11.50% p.a. ( + strategic premium + 0.75% to 3.35%), subject to risk rating. The retail rate page notes additional pricing for tenor above 120 months, limits above ₹7.50 crore and overdraft facilities
the product page itself permits term loan or demand loan only.
Bank of Baroda says applies to all retail lending products. The current page lists at 7.90% (repo 5.25% + markup/base spread 2.65%) effective 6 December 2025 and 1-year at 8.75% effective 12 August 2026. Product-specific spreads, pricing and scheme conditions determine the applicable rate.
Minimum ₹2 lakh
maximum ₹10 crore at metro branches, ₹5 crore urban, ₹3 crore semi-urban and ₹25 lakh rural.
Term loan: 120 months
overdraft: 12 months, subject to annual review.
Minimum gross annual income (average of the last three years) ₹5 lakh, including eligible co-applicant income.
Value awaiting review
Term loan: 1% of loan amount, maximum ₹1,50,000 and minimum ₹7,500 upfront
overdraft up to ₹3 crore: 0.35% capped at ₹75,000
above ₹3 crore: 0.25% without a maximum, with ₹7,500 upfront minimum.
For an individual Mortgage Loan, the fixed-rate home/mortgage schedule publishes nil own-source prepayment and 0.50% of outstanding at takeover by another lender. The product page does not publish a separate conflicting rule
floating-rate accounts remain subject to the applicable sanction terms.
The current page says is as applicable to the sector. The Bank of Baroda matrix publishes + for micro limits up to ₹50,000, + + 2.00%above ₹50,000 to ₹2 lakh, and + + 2.20%above ₹2 lakh to ₹10 lakh
Tarun Plus above ₹10 lakh is governed by the applicable current pricing band. is 7.90% p.a. w.e.f. 6 December 2025, so the final rate remains limit- and borrower-dependent.
Mudra Loan pricing is not tied to a single external benchmark in the reviewed product page. Bank of Baroda states that the rate is as applicable to its -sector pricing mechanism and may be revised
no fixed benchmark or universal rate is published.
Up to ₹20 lakh: Shishu up to ₹50,000
Kishore ₹50,001–₹5 lakh
Tarun ₹5,00,001–₹10 lakh
Tarun Plus ₹10,00,001–₹20 lakh for borrowers who repaid a Tarun loan.
Term/demand facility up to 84 months with suitable moratorium and annual review
working-capital facility 12 months subject to annual review.
No minimum income amount is published. eligibility is based on a non-farm micro or small enterprise engaged in income-generating manufacturing, trading, services or allied agriculture, with credit needs up to ₹20 lakh
the page explicitly says there is no minimum loan amount.
Non-farm micro or small enterprises engaged in income-generating manufacturing, trading or services
collateral is not required, while assets created from finance are hypothecated and coverage is noted.
above ₹2 lakh and up to ₹6 lakh, Baroda Home Loan pricing applies and is presently starting from 7.90% p.a. linked to score. Fixed and floating options are available.
Bank of Baroda says applies to all retail lending products. The current page lists at 7.90% (repo 5.25% + markup/base spread 2.65%) effective 6 December 2025 and 1-year at 8.75% effective 12 August 2026. Product-specific spreads, pricing and scheme conditions determine the applicable rate.
Composite: ₹50,000 minimum to ₹6 lakh maximum. Standalone: up to ₹6 lakh. Financing is up to 90% of project cost.
Maximum 120 months. For loans up to ₹2,00,000, applicants above age 65 may be considered with a close-relative co-applicant and repayment before age 75.
No minimum rupee income is published. For the -Surya Ghar loan above ₹2 lakh, income documents and at least 1 year of salaried employment or 2 years of non-salaried business/profession are required
up to ₹2 lakh, the scheme requires no income documents and waives the vintage condition.
Resident individuals, singly or jointly, salaried or earning from business/profession/agriculture, who own the residential property or terrace rights. Composite is for borrowers taking a fresh Bank of Baroda home loan
standalone is the solar-only facility.
Nil irrespective of loan amount under the scheme
applicable State Government stamp duty is extra.
No foreclosure charges are published for either -Surya Ghar variant. The official scheme page explicitly lists “No Foreclosure Charges”
above ₹2 lakh and up to ₹6 lakh, Baroda Home Loan pricing applies and is presently starting from 7.90% p.a. linked to score. Fixed and floating options are available.
Bank of Baroda says applies to all retail lending products. The current page lists at 7.90% (repo 5.25% + markup/base spread 2.65%) effective 6 December 2025 and 1-year at 8.75% effective 12 August 2026. Product-specific spreads, pricing and scheme conditions determine the applicable rate.
Composite: ₹50,000 minimum to ₹6 lakh maximum. Standalone: up to ₹6 lakh. Financing is up to 90% of project cost.
Maximum 120 months. For loans up to ₹2,00,000, applicants above age 65 may be considered with a close-relative co-applicant and repayment before age 75.
No minimum rupee income is published. For the -Surya Ghar loan above ₹2 lakh, income documents and at least 1 year of salaried employment or 2 years of non-salaried business/profession are required
up to ₹2 lakh, the scheme requires no income documents and waives the vintage condition.
Resident individuals, singly or jointly, salaried or earning from business/profession/agriculture, who own the residential property or terrace rights. Composite is for borrowers taking a fresh Bank of Baroda home loan
standalone is the solar-only facility.
Nil irrespective of loan amount under the scheme
applicable State Government stamp duty is extra.
No foreclosure charges are published for either -Surya Ghar variant. The official scheme page explicitly lists “No Foreclosure Charges”
Activity-based pricing is published as: Agriculture at 1 Year + BSS 0.15%
Agriculture–Food & Agro at RBLR + 0.25%
at RBLR + 0.65%
Retail at RBLR + 1.05%. The page does not show a single present rupee-rate percentage for all activity types.
Activity-specific benchmarks are 1 Year for agriculture and RBLR for Agriculture–Food & Agro, and retail, with published BSS/ spreads.
Loan-to-value is up to 85% of gold value. Minimum loan amount is ₹20,000 and maximum loan amount is ₹30 lakh.
Value awaiting review
Value awaiting review
Any individual who is the lawful owner of gold jewellery, ornaments or coins. Agriculture-allied loans above ₹2.50 lakh additionally require land-holding particulars.
Including proposal processing, documentation and inspection: up to ₹50,000 nil
above ₹50,000 to ₹1 lakh₹250
above ₹1 lakh to ₹5 lakh₹500
above ₹5 lakh to ₹10 lakh₹1,000
above ₹10 lakh₹1,500. Applicable is extra.
No pre-closure charges are published for the Gold Loan.
linked to score and calculated on a daily reducing balance.
The published starting rate is linked to the borrower’s score and calculated on a daily reducing balance. No separate named benchmark is published on the reviewed page.
Up to 90% of the cost for a new vehicle and up to 70% for an old vehicle. No third-party guarantee is required up to ₹50 lakh under the stated condition.
Two-wheelers: up to 60 months. Four-wheelers and water vehicles: up to 84 months.
No fixed individual salary or annual-income amount is published. The page requires salary slips/ or self-employed financial statements
sanction depends on repayment capacity and credit assessment.
Salaried employees, businessmen, professionals, farmers, directors, proprietors, partners, and are listed. Individual entry age is 18–65 years. Other entities must meet the published four-times average annual cash-accrual and minimum 1.25 rule.
New four-wheelers: 0.25%, minimum ₹2,500 and maximum ₹10,000. Two-wheelers and old vehicles: 1.00%, minimum ₹1,000 and maximum ₹5,000. E-vehicles receive a 50% processing-fee concession.
No prepayment penalty is published for this product.
Up to ₹2 crore: current 9.00% p.a. cap. Above ₹2 crore: Bank's applicable rate. Eligible borrowers receive 3% government interest subvention.
Six-month8.90% + 1.00%, capped at 9.00% p.a.up to ₹2 crore.
No universal loan cap
benefits apply on up to ₹2 crore per project.
Seven years, including six months to two years' moratorium.
No salary floor. Finance is for viable covered projects by a published eligible beneficiary such as a farmer, , , , cooperative, startup, agency or eligible PPP.
Value awaiting review
Current agriculture/ term-loan tariff: nil up to ₹5 lakh
1%above ₹5 lakh to ₹25 crore
0.80%above ₹25 crore to ₹100 crore
0.70%above ₹100 crore.
2% when prepayment exceeds 25% of sanctioned limit
Up to ₹3 lakh: 7.00% p.a. where central interest subvention applies
above ₹3 lakh to ₹5 lakh: one-year
above ₹5 lakh: one-year + 0.50% BSS + 1.50%. The current one-year is 9.00% effective 25 July 2026, so the published formula is 11.00% before any applicable subvention.
above ₹5 lakh: one-year + 0
CCL minimum ₹6 lakh for each eligible for 3 years. Year 1 drawing power is 6× corpus or ₹1.5 lakh minimum
year 2 is 8× corpus or ₹3 lakh minimum
year 3 is at least ₹6 lakh
year 4 onward is above ₹6 lakh based on and history. Term-loan doses use the same staged amounts.
Cash-credit linkage is sanctioned for a three-year cycle with annual drawing-power review
term-loan doses follow the staged Micro Credit Plan and sanctioned repayment schedule.
No numeric income threshold is published
activity, Panchasutras, grading and a Micro Credit Plan determine eligibility.
active at least 6 months, practising regular meetings, savings, inter-loaning, timely repayment and up-to-date books, and qualifying under grading
revived may qualify after 3 months active existence.
Up to ₹10 lakh: current 11.50% p.a.Above ₹10 lakh: current 12.50% p.a.
One-year9.00% + BSS 0.50% + 2.00%up to ₹10 lakh, or +3.00%above ₹10 lakh.
Up to ₹20 lakh, calculated from the lower applicable market value, guidance/circle rate or purchase consideration after margin, plus eligible stamp duty and registration costs.
Normally seven to nine years
up to 20 years in specific cases depending on estate condition and rejuvenation needs.
No salary floor. The buyer must already own a yielding estate, have relevant experience, be financially sound, bring the margin and demonstrate debt-servicing capacity.
Value awaiting review
Nil up to ₹5 lakh
1%above ₹5 lakh to this product's ₹20 lakh maximum.
2% of prepaid amount when prepayment exceeds 25% of sanctioned limit
nil when principal outstanding is below 25% of sanctioned limit
Up to ₹10 lakh: current effective 11.50% p.a.Above ₹10 lakh: current effective 12.50% p.a.
One-year9.00% + BSS 0.50% + 2.00%up to ₹10 lakh, or +3.00%above ₹10 lakh.
Applicable / unit cost or project cost
no single rupee cap is published.
Seven to 15 years including gestation, aligned with crop harvesting and produce marketing.
No salary floor applies. Eligible landowners, permanent tenants and sufficiently long-term leaseholders are financed against applicable / unit or project cost.
Value awaiting review
Agriculture term-loan tariff: nil up to ₹5 lakh
1%above ₹5 lakh to ₹25 crore.
2% of the prepaid amount when prepayment exceeds 25% of the sanctioned limit
nil when principal outstanding is below 25% of sanctioned limit
Up to ₹3 lakh: 7% p.a. fixed for up to one year under the Government interest-subvention rule. Above ₹3 lakh to ₹10 lakh: current effective 11.50% p.a.Above ₹10 lakh: current effective 12.50% p.a.
Above ₹3 lakh: one-year9.00% + BSS 0.50% + 2.00%up to ₹10 lakh, or +3.00%above ₹10 lakh.
No single rupee cap is published
the limit follows the crop/area formula and rises by 10% for cost escalation in each successive year from year two through year five.
Five-year validity subject to annual review
Kharif is due next March, Rabi next June and horticultural crops next September.
No salary floor applies. The first-year limit is crop scale of finance × cultivated area, plus 10% for post-harvest/household needs and 20% for farm-asset repairs.
Value awaiting review
Up to ₹3 lakh: nil for small/marginal farmers
0.35% of sanctioned limit for large/other farmers. Above ₹3 lakh: 0.35% of sanctioned limit.
For cash credit, 2% of sanctioned limit only when the account is taken over by another financial institution
Eligible crop-MKCC farmers: 7% p.a. within the combined ₹3 lakh concession limit. Otherwise up to ₹10 lakh: current 11.50% p.a.
above ₹10 lakh: current 12.50% p.a.
One-year9.00% + BSS 0.50% + 2.00%up to ₹10 lakh, or +3.00%above ₹10 lakh.
District Level Technical Committee scale of finance based on local per-acre, per-unit, per-animal or per-bird cost
no universal rupee cap. The 7% concession is limited to a combined ₹3 lakh MKCC amount.
Repayment follows the activity's cash flow and income pattern
the cash-credit limit is reviewed and renewed annually.
No salary floor. The applicant needs the relevant farm, pond, boat, shed or other owned/leased facility and every licence or permission required for the activity.
Value awaiting review
Up to ₹3 lakh: nil for small and marginal farmers
0.35% for large and other farmers. Above ₹3 lakh: 0.35%.
2% of sanctioned cash-credit limit only when the account is taken over by another financial institution
Floating 7.45%-11.75% p.a. by salaried/non-salaried band
firms/companies 8.55%-9.05%. Fixed 10.15%-10.85% p.a. for eligible loans up to ₹50 lakh with CIC above 700, reset after three years.
Floating: 8.05% with -0.60% to +3.70% individual spread or +0.50%-1.00% entity spread. Fixed: 1-year 8.85% plus 1.30%-2.00%.
Maximum loan limit ₹5 crore for an individual and ₹10 crore for a non-individual, subject to permissible deduction norms.
Maximum repayment period 84 months.
Salaried and pensioner applicants: gross monthly income/pension ₹25,000 or more. Self-employed professionals: ₹3 lakh last-year income with the past two years' . Businesspeople/agriculturists: ₹4 lakh last-year income with the past two years' . Corporate applicants: tangible net worth at least five times the requested loan.
Value awaiting review
0.25% of loan amount, minimum ₹1,000 and maximum ₹15,000, excluding .
No pre-payment, pre-closure or part-payment charges.
Floating rate: 0.25 percentage point below the applicable Maha Super Car rate, subject to the - 0.60% floor
current effective range 7.45%-11.50% p.a. Fixed rate for eligible loans up to ₹50 lakh and CIC above 700: 10.05%-10.75% p.a., reset after three years.
Floating: 8.05% with applicable car-loan spread less 0.25%, subject to a 7.45% floor. Fixed: 1-year 8.85% plus 1.20%-1.90%.
Individuals: ₹5 crore. Non-individuals: ₹10 crore. Eligible existing housing-loan borrowers may receive up to 100% of on-road price
others have at least 10% margin.
Up to 84 months.
Salaried/pensioners: ₹25,000 gross monthly. Self-employed professionals: ₹3 lakh last-year income plus two years' . Business/agriculture: ₹4 lakh last-year income plus two years' . Corporate tangible net worth must be at least five times the requested loan.
Value awaiting review
Nil processing fee and nil account-handling charge.
Nil prepayment, pre-closure and part-payment charge.
eligible non-individual project cost is limited to ₹10 crore. Subsidy is 35%, capped at ₹10 lakh for an individual unit or ₹3 crore for a non-individual.
Up to 10 years including six to 24 months' moratorium.
No salary floor. Individuals, , and other eligible food-processing organizations may finance a new, expanded or upgraded micro enterprise.
Value awaiting review
Term loan: nil up to ₹5 lakh, then 1% to ₹25 crore. Cash credit: nil up to ₹5 lakh, then 0.35% p.a.
Term loan: 2% when prepayment exceeds 25% of sanctioned limit. Cash credit: 2% only on takeover by another institution. exempt.
current 11.00%above ₹5 lakh. Other , federations and NGOs: current 11.00% p.a.
One-year9.00%
above ₹5 lakh and other /federation routes add BSS 0.50% + 1.50%.
No universal cap. First dose/year is 6× corpus or at least ₹1.5 lakh
second 8× corpus or at least ₹3 lakh
third at least ₹6 lakh
fourth onward above ₹6 lakh by and credit history. Published no-collateral rules extend through ₹20 lakh.
Term-loan dose 1: 24–36 months
dose 2: 36–48
dose 3: 48–60
dose 4 onward: 60–84. Cash-credit minimum ₹6 lakh route runs three years with annual drawing power.
No salary floor. Normally six active months plus Panchasutras and grading
revived groups need three active months.
Value awaiting review
Government-sponsored working capital: nil. Other agriculture cash credit: nil up to ₹5 lakh, then 0.35% p.a. Term loan: nil up to ₹5 lakh, then 1% to ₹25 crore.
Term loan: 2% when prepayment exceeds 25% of sanctioned limit
cash credit: 2% of sanctioned limit only on takeover by another institution. are exempt.
Up to ₹10 lakh: current 11.50% p.a.Above ₹10 lakh: current 12.50% p.a.
One-year9.00% + BSS 0.50% + 2.00%up to ₹10 lakh, or +3.00% above.
80%-85% of project cost including accessories
no universal rupee cap.
Three to five years.
No salary floor. Applicants must be eligible small/marginal farmers, sharecroppers, tenants or agriculture entrepreneurs using the system for an agro-processing unit.
Value awaiting review
Nil up to ₹5 lakh
1%above ₹5 lakh to ₹25 crore.
2% when prepayment exceeds 25% of sanctioned limit
Up to ₹10 lakh: current 11.50% p.a.Above ₹10 lakh: current 12.50% p.a.
One-year9.00% + BSS 0.50% + 2.00%up to ₹10 lakh, or +3.00%above ₹10 lakh.
80%-85% of project cost including accessories
no universal rupee cap is published.
Three to five years.
No salary floor. Eligible applicants are small or marginal farmers, sharecroppers, tenant farmers and agriculture entrepreneurs using the system for an agro-processing unit.
Value awaiting review
Nil up to ₹5 lakh
1%above ₹5 lakh to ₹25 crore.
2% of prepaid amount when prepayment exceeds 25% of sanctioned limit
nil when principal outstanding is below 25% of sanctioned limit
The current agricultural rate table applies: 1.40% over up to ₹3 lakh and 2.30% over above ₹3 lakhup to ₹1 crore, subject to applicable risk and liquidity-premium rules.
Marginal Cost of Funds based Lending Rate (), with liquidity premium where applicable for longer repayment periods.
No universal rupee ceiling is published
amount follows the dairy project, animal/equipment cost, margin and security norms.
Animal purchase: 5–7 years monthly/quarterly. Heifer rearing: 5–6 years including 30-month grace. Shed/processing projects may receive 12–18 months moratorium
otherwise 1–2 months may apply.
No rupee income minimum is published
dairy experience, fodder, water, veterinary access and assured marketing are required.
The current agricultural rate table applies: 1.40% over up to ₹3 lakh and 2.30% over above ₹3 lakhup to ₹1 crore, subject to applicable liquidity premium and risk rules.
Marginal Cost of Funds based Lending Rate (), with liquidity premium for longer tenors where applicable.
No universal rupee ceiling is published
quantum follows approved machinery cost and margin. Second-hand tractor margin is 40%.
Repayable within 5 to 9 years by half-yearly or yearly instalments based on income generation.
No rupee income minimum is published
landholding, cropping pattern, machinery use and repayment capacity are assessed.
CRG-Prime effective rate shown in Canara's official fixed-rate retail table: 8.60% p.a.
the applicable customer rate can vary by risk grade and prevailing table.
Repo Linked Lending Rate (), shown at 8.00% in the reviewed Canara rate table
spread and concessions depend on CRG grade.
No upper limit is published for a new electric vehicle
financing is up to 90% of new-vehicle cost, subject to eligibility and repayment capacity.
Up to 84 .
Salaried: minimum gross salary ₹3 lakh a year. Other-than-salaried: latest gross annual income ₹3 lakh and three-year gross-average annual income at least ₹2.50 lakh. Agriculturist applicant/co-applicant combined income: at least ₹4 lakh a year.
Value awaiting review
0.25% of loan amount, minimum ₹1,000 plus and maximum ₹5,000 plus . A 50% waiver is published for 1 July 2026 to 30 September 2026.
The official retail range table shows Housing Loan contracted rates of 7.15%–10.00% p.a. (mean 8.06%)
the agriculturist variant follows the housing scheme and borrower CRG.
No separate benchmark is stated on the agriculturist product page
the applicable housing retail table governs pricing.
No upper limit subject to income. Salaried: up to 72× monthly gross (selectively 96×)
other-than-salaried: up to 6× three-year average gross income (selectively 8×). Repairs up to ₹15 lakh
furnishing up to 15% or ₹50 lakh lower.
Up to 30 years or age 75, whichever is earlier.
Minimum gross annual income ₹5 lakh for eligible agriculturists, with over 5 acres irrigated or 10 acres dry land and two years' satisfactory Canara dealings generally required.
Value awaiting review
0.50% of loan amount, minimum ₹1,500 plus and maximum ₹10,000 plus
50% waiver published for 1 July 2026 to 30 September 2026.
The reviewed Kisan Credit Card page does not print a numeric interest rate
crop and allied-activity rates follow the applicable Canara agricultural lending schedule.
Value awaiting review
No universal maximum is printed
crop component follows district scale of finance × cultivated area, with 10% household/post-harvest and 20% farm-asset maintenance components in the first-year structure.
Working-capital limit valid for five years subject to annual review
term loan repayable yearly or half-yearly over a maximum of five years.
Value awaiting review
Value awaiting review
No numeric processing fee is printed in the reviewed Kisan Credit Card scheme
Up to ₹2 lakh: hypothecation of crops/assets. Above ₹2 lakh, mortgage of landed property or charge on land records applies according to state charge-creation availability. No separate prepayment charge is published.
The official Canara vehicle rate-range table shows 7.45%–15.00% p.a. contracted range (mean 9.09%) for Canara Vehicle
the agriculturist variant follows the vehicle scheme and customer CRG.
Vehicle scheme benchmark is not separately stated on the agriculturist page
the applicable Canara retail vehicle rate table governs pricing.
No upper limit, but total quantum cannot exceed one year's annual borrower income. For a used vehicle not over three years old, the amount is the least of 60% appraised value, 60% agreed price, 60% original price or ₹50 lakh, with minimum 50% margin.
New vehicles: maximum 84 months. Used vehicles: maximum 60 months or remaining useful life, whichever is lower. Monthly, quarterly, half-yearly or yearly repayment may follow income/crop cycle.
Net take-home after must be 40% of gross annual income and at least ₹1.50 lakh a year. Dairy, poultry, plantation and horticulture applicants need minimum gross annual income of ₹4 lakh where the landholding test does not apply.
Value awaiting review
0.25% of loan amount, minimum ₹1,000 plus and maximum ₹5,000 plus
a 50% waiver is published for 1 July 2026 to 30 September 2026.
The Cent Go Green Vehicle page links the latest Central Bank rate table but does not name a benchmark.
Salaried applicants: 24 times gross monthly salary. Other individuals: two times average annual income of the last two years. Maximum is ₹10 lakh for a new two-wheeler and ₹1 crore for a new four-wheeler.
Up to 72 months for a two-wheeler and up to 96 months for a four-wheeler.
₹3 lakh for a four-wheeler and ₹1.80 lakh for a two-wheeler.
Individuals aged 18 to 65: specified permanent salaried employees, self-employed/professional/entrepreneur applicants, farmers in production or allied activities, and applying jointly with a resident close relative for use in India. Maximum two applicants
The page links to Central Bank's latest interest-rate table rather than stating a standalone percentage.
Value awaiting review
₹10,000 minimum and ₹60 lakh maximum overall under the retail-and-agriculture-micro (RAM) segment
retail is 68%–78% and margin is 22%–32% by borrower/ exposure.
12 months.
No minimum income threshold is published
borrowers with annual income above ₹10 lakh have extracted for deduction assessment.
Individuals aged 18 or above with -compliant Central Bank accounts
gold/jewellery shop owners, goldsmiths, appraisers and their close relatives are not eligible. Exposure above ₹2.50 lakh is assessed on repayment capacity.
Nil up to ₹5 lakh. Above ₹5 lakh: 0.30% of loan amount plus , capped at ₹5,000
The Cent Mortgage page links the latest Central Bank rate table but does not name a benchmark.
Minimum ₹5 lakh and maximum ₹7.50 crore.
Term loan up to 180 months
existing reducing-balance overdraft renewal up to 120 months.
Minimum gross annual income ₹12 lakh.
Minimum age 21. Term loan must mature by age 75 or retirement for salaried applicants. Target group is salaried individuals, professionals and self-employed persons.
The page links Central Bank's latest interest-rate table but does not name a benchmark.
Salaried applicants: 24 times gross monthly salary. Other individuals: two times average annual income of the last two years. Maximum ₹10 lakh for a new two-wheeler and ₹2 crore for a new four-wheeler.
Up to 60 months for a two-wheeler and up to 84 months for a four-wheeler.
₹3 lakh for a four-wheeler and ₹1.80 lakh for a two-wheeler.
Individuals aged 18 to 65: specified permanent salaried employees, self-employed/professional/entrepreneur applicants, farmers in production or allied activities, and jointly with a resident close relative. Maximum two applicants
co-borrower required above age 60.
Two-wheeler: 0.50% of loan amount, minimum ₹500 and maximum ₹2,000. Four-wheeler: 0.50% plus , minimum ₹2,000 plus and maximum ₹20,000 plus . Full processing-fee waiver through 31 December 2026
the bank says approval and the rate of interest are at its sole discretion, and the offered rate varies with loan duration, amount and borrower profile.
Value awaiting review
Gold-backed term-loan or overdraft facility from ₹25,000, with a published starting rate of 11.91% p.a. and a 6–42-month tenure range. Bank does not publish a general maximum loan amount on the reviewed product page
the sanctioned amount depends on gold valuation and the bank's assessment.
6–42 months
Value awaiting review
Indian residents aged 18–75 who are businessmen, traders, farmers, salaried or self-employed individuals may apply, subject to Bank approval and the pledged-gold requirements.
Maximum 1% of the disbursal amount plus applicable taxes. Micro and Small Enterprises with facilities up to ₹5,00,000 are exempt if they submit a Udyam Registration Certificate before disbursal.
September 2026 charges page: 2% + applicable tax within 30 days
1% + tax after 30 and through 180 days
nil after 180 days. Exception: qualifying fixed-rate loans up to ₹50,00,000 are exempt when closed/part-paid from own funds. The product-page instead says 1% + within 6 months and nil after 6 months
follow-up is required to reconcile this conflict for the applicable loan type.
Subsidy project-cost ceiling ₹20 lakh for an individual (₹25 lakh for an extremely successful individual project) and ₹1 crore for a group project of at least five trained persons
finance can be higher if technically and financially viable, but subsidy remains scheme-limited.
Five to ten years depending on activity, including a maximum two-year moratorium.
No income threshold is published
applicants must meet the age, agriculture-qualification and training requirements.
Applicants aged 21–60 with eligible agriculture/allied graduate, diploma or postgraduate-diploma qualifications
after training, credit may continue up to age 62. MANAGE/NTI training is 45 days, and serving/retired pensionary staff do not receive subsidy benefits.
working capital up to ₹5 crore uses turnover method and amounts above ₹5 crore use II or cash-budget method
NFB is need-based.
Term-loan repayment up to 15 years
working capital is one year with annual renewal. Commercial repayment may use cash-flow, ballooning, bullet or structures.
Value awaiting review
Food and agro-processing units handling fruits, vegetables, meat, fish, dairy, oils/fats, grain and starch products, animal feed or other food/agro products
appraisal follows project cost and working-capital method.
As per the service-charge circular for agricultural advances
no product-specific amount is printed on the page.
the borrower must provide three years' /balance sheet where applicable and demonstrate cash flow/.
Agro/food-processing, agriculture-infrastructure, animal-husbandry, large dairy/poultry, tea and other large agriculture units with three-year financial records, cash flow/ and SARFAESI-compliant mortgaged property.
drawing power reduces monthly to liquidate the overdraft by the end.
No income threshold is published
three years' /balance sheet and cash flow/ assessment are required.
Agro/food-processing, agriculture-infrastructure, animal-husbandry, dairy, poultry, tea and other large agriculture units with three-year financial records, cash flow/ and SARFAESI-compliant mortgaged property
Jewel Loan (Non-Priority) term loan with bullet repayment: 9.10% p.a. floating in Indian Bank's current rate table dated 14 August 2026. The current table lists the separate -against-gold-jewels rate under the product.
The Jewel Loan term row is labelled floating but the current official table does not identify a named benchmark or spread.
Retail jewel loans are capped at ₹25 lakh per customer, with an aggregate customer ceiling of ₹50 lakh across the published agriculture/retail/ jewel-loan limits. Up to five jewel loans may be held at one time.
Bullet repayment: maximum 12 months, repaid at the end of the 12th month with accrued interest. repayment: maximum 35 months, with beginning in the month after disbursement.
No rupee minimum income is published. For retail jewel loans up to ₹2.50 lakh, the bank may use the borrower's income declaration or proof
above ₹2.50 lakh, valid , Form 16 or other income proof is mandatory with detailed repayment-capacity assessment.
General public, women applicants, senior citizens and Indian Bank staff
existing and new customers. Entry age is 21 years and exit age is 70 years. Gold must be pledged and the stated income-assessment rules apply.
Nil under the current Indian Bank schedule for Jewel Loan (Non-Priority).
the page publishes no product-specific percentage or spread. The current benchmark sheet lists one-year at 8.85% effective 03 August 2026, but the applicable spread is not stated.
Indian Bank lending rates
the 03 August 2026 benchmark sheet lists one-year at 8.85%. Product-specific spread is not published.
Agriculture, allied-agriculture and non-agriculture activity: group maximum ₹10 lakh, subject to ₹1 lakh per individual. Tenant and oral-lessee groups: group maximum ₹5 lakh, subject to ₹50,000 per individual.
Six to 60 months, depending on the activity for which the loan is sanctioned.
Value awaiting review
of tenant or small farmers without proper land title, with similar economic status and a joint-liability agreement
members must have at least one year of agricultural activity, must not be defaulters and must not be from the same family. Micro entrepreneurs, artisans and members are also listed.
Up to ₹2 lakh: 7% p.a. where interest subvention is available. Up to ₹3 lakh: (one-year) + 2.50%
above ₹3 lakh refer the bank's lending-rates link.
(one-year) plus 2.50% for the published up-to-₹3 lakh card-rate band
subvention may set the rate up to ₹2 lakh where available.
No universal maximum is published
the quantum is based on the District Level Technical Committee scale of finance.
Revolving cash-credit limit
repayment is fixed according to activity cash flow/income-generation pattern, with all generated cash routed through the cash-credit account.
No income threshold is published
the page uses eligible activity, farmer// status and scale-of-finance assessment.
Individual or joint-liability-group farmers and self-help groups, including tenant farmers, engaged in dairy, poultry, inland fisheries, aquaculture or marine fisheries.
the shared agri rate card does not publish the Gold Plus spread
is referenced, but no numeric spread is printed.
₹25 lakh.
Revolving cash-credit limit
no fixed month/ year maximum is published, and cash generated must be routed through the account.
No income threshold is published
the product is for individual owner-cultivator farmers assessed on DLTC scale of finance.
Individual farmer who is an owner cultivator
quantum follows the District Level Technical Committee scale of finance and gold security applies under the jewel-loan structure.
For agricultural jewel loans, up to ₹50,000: nil
above ₹50,000: 0.20% of loan amount with minimum ₹200. The official footnote specifically applies 0.20% to Gold Plus and Marine Gold limits above ₹3 lakh
Digital : 7% p.a.up to ₹3 lakh under the Government of India interest-subvention scheme until the renewal due date or one year from sanction, whichever is earlier. If not repaid or renewed by then, the states (1-year) + 2.50% spread
prompt-repayment incentive applies subject to the scheme continuing.
(one-year) with a 2.50% spread is the stated post-due formula for the digital account
subvention-supported components are charged at the Government scheme rate while eligible.
Digital currently supports up to ₹2,00,000 (the fifth-year limit)
higher limits can be requested offline. Digital renewal combines a customer's up to ₹2,00,000 and permits 10%, 20% or 30% annual enhancement subject to eligibility and a ₹2,00,000 ceiling.
documentation covers five years subject to annual renewal. A digital account becomes eligible for renewal from nine months after limit setting and within four yearssix months of account opening
digital renewal can be selected from the second year onward.
No income threshold is published for or Digital . Digital applicants must be existing Indian Bank customers with individual land holding recorded in their name and meet the published credit and prerequisites.
Digital prerequisites: existing Indian Bank customer, minimum age 18, updated, registered mobile, e-/Re- verified , no live or /written-off/settled account, CIBIL score at least 730 or CRIF score at least 717, individual land holding in the applicant's name matching Government land records. Digital facility is listed for Tamil Nadu, Uttar Pradesh, Maharashtra, Madhya Pradesh, Odisha, Chhattisgarh and Andhra Pradesh.
No processing charge is collected for the Digital journey. verification, digital-documentation and state stamp-duty charges are collected at actuals where applicable.
renewable every year or half-year based on activity, with request-based renewal after interest payment.
Value awaiting review
Borrowers engaged in listed allied activities such as dairy, fisheries, livestock, poultry, apiary, sericulture, mushroom cultivation or farm-implement maintenance
limit follows activity and Scale of Finance plus 20%
gold coverage is 115% for six-month allied products and 120% for monthly or 12-month products.
Agriculture jewel loan: up to ₹50,000 nil
above ₹50,0000.20% of loan amount with minimum ₹200. The fee schedule footnote applies 0.20% to Marine Gold above ₹3 lakh
(one-year) + 1.00%, subject to a maximum of 9.00% in the shared official agriculture-rate table
3% p.a. interest subvention applies up to ₹2 crore for up to seven years.
(one-year) + 1.00%, capped at 9.00% in the reviewed rate table.
Based on project cost
benefits apply up to ₹2 crore, while sanctions above ₹2 crore may be made with benefits restricted to ₹2 crore.
Maximum seven years including a holiday period of up to two years.
Value awaiting review
Farmers, , PACS, , , cooperatives, agriculture entrepreneurs/startups and government or PPP agencies developing eligible post-harvest or community farming infrastructure.
Up to ₹25,000: nil
above ₹25,000: as per the agriculture service-charge circular.
a mature DAY-NRLM , regular repayment record and score meeting bank guidelines are required.
Individual woman entrepreneur from a well-functioning DAY-NRLM-sponsored mature active at least two years, with credit-linked regular repayment, DAY-NRLM reference code, NRLM/SRLM forwarding letter and score per bank guidelines
eligibility is based on fisheries-sector applicant and project criteria.
Fishers, fish farmers/workers/vendors, fisheries corporations/cooperatives/federations, /, FFPOs/ and private firms undertaking aquaculture, mariculture, fisheries infrastructure or value addition.
₹1 lakh minimum and ₹75 lakh maximum per borrower.
Within the approved commodity period and shelf-life, subject to a maximum of 12 months.
No income threshold is published
eligibility depends on farmer-producer status, own harvested produce and eNWR conditions.
Farmers who own the harvested produce, are from the warehouse hinterland, do not store speculatively, have no duplicate finance on the produce and pledge an eNWR
The page references but does not publish a current numeric spread or benchmark formula.
Third linkage has a minimum ₹6 lakh based on the and credit history
no universal maximum is published.
Maximum 72 months depending on the activity.
No income threshold is published
eligibility is an with corpus, linkage-stage and credit-history assessment.
Self Help Groups
first linkage is based on six times corpus or ₹1.50 lakh minimum, second on eight times reviewed corpus or ₹3 lakh minimum, and third on an and previous credit history.
Term loans up to seven years with up to 12-month holiday
working capital one year with annual renewal.
Value awaiting review
New or existing rice, dhal, oil and flour mills
new units need satisfactory promoter track record, group affiliation and viable project, while existing units need consistent net profit for at least two years.
As per the service-charge circular for agricultural advances
the page does not publish a separate working-capital tenor.
No income threshold is published
prior successful Tarun-category repayment and eligibility are required.
Existing unit/project that successfully repaid a Tarun loan above ₹5 lakh and up to ₹10 lakh, undertaking -eligible agriculture-allied or agro-processing activity
20% promoter contribution and mandatory / coverage apply.
Processing, documentation and other charges apply as per the bank's service-charges circular
Need-based, depending on financial viability and technical feasibility.
Five to 10 years, including a project-specific grace period of up to two years. Instalments may be monthly, quarterly, half-yearly or yearly according to project income and the applicable credit scheme.
Value awaiting review
Candidates aged 18–60 with the listed agriculture/allied qualifications: relevant agricultural-university or recognized-university graduates
specified diploma/postgraduate-diploma holders
agriculture/allied postgraduates
degrees with over 60% agriculture/allied course content
specified biological-sciences graduates with qualifying agriculture diplomas
or agriculture-related intermediate courses with at least 55% marks. Certain other-agency degrees/diplomas require Government approval on State recommendation.
Value awaiting review
For a non-individual borrower shifting a term loan to another bank/financial institution, PNB's current tariff lists 2% of the amount prepaid. For cash-credit/overdraft closure before its due date, it lists 2% of the sanctioned limit
that charge is waived if written non-renewal notice is given at least 3 months before the due date and the facility closes on that date. The tariff also lists exemptions, including eligible floating-rate loans to individuals/ and loans prepaid from the borrower's own sources
Loans up to ₹2 crore: 6-month +1%, capped at 9.00% p.a. With PNB's 6-month at 8.65% from 1 October 2026, the current capped rate is 9.00% p.a.Above ₹2 crore: 1-year plus a spread linked to internal and external risk ratings.
Up to ₹2 crore: 6-month +1%, capped at 9.00% p.a.
above ₹2 crore: 1-year plus the published internal/external risk-rating spread.
Need-based on the project's cost and total financial outlay
no single rupee ceiling is stated in the bank scheme sheet. For loans above ₹2 crore, interest subvention remains limited to ₹2 crore.
8–10 years including a 6-month to 2-year moratorium, decided case by case based on total project outlay.
Value awaiting review
PACS, marketing cooperatives, , , , farmers, multipurpose cooperatives, agri-entrepreneurs, start-ups, and central/state/local agencies or their sponsored PPP projects. Digitized PACS receive preference.
Need-based at unit cost approved by KVIC, or the State Government. The amount depends on unit size, colony count, equipment and comb-foundation-sheet costs. The sheet gives no fixed rupee ceiling.
5 years including a 12-month gestation period.
Value awaiting review
Small/marginal farmers, agricultural-labourer individuals, associations of persons and companies with adequate beekeeping experience may apply. The minimum unit is 10 bee hives.
Value awaiting review
For a non-individual borrower taking over a loan to shift to another bank/FI, PNB's current schedule states 2% of the prepaid amount on term loans and 2% of the sanctioned limit when a cash-credit/overdraft facility is closed before its due date. For CC/, the stated charge does not apply if written non-renewal notice is given 3 months before the due date and the facility closes on that date. The page lists additional exemptions, including specified floating-rate individual/ loans, borrowers, own-source repayment and other stated cases. Exact applicability depends on borrower, purpose, facility, rate type and closure route.
food/agro-manufacturing sole proprietors: ₹25 crore
other food/agro-manufacturing entity forms: need-based. The food/agro-trading cell contains no amount in the reviewed table.
Farmers: each physical-WHR demand advance must not exceed 12 months. Food/agro manufacturers: each physical-WHR demand advance must not exceed 12 months
cash credit is for 12 months subject to annual renewal, and each receipt advance must not exceed 12 months. The food/agro-trading cell contains no tenure in the reviewed table.
Value awaiting review
Farmers: existing PNB /short-term crop-loan borrowers and original depositors of non-perishable agricultural commodities. Food/agro manufacturers: existing PNB borrowers with satisfactory credit history and original depositors of non-perishable agricultural commodities
Udyam registration is not mandatory. Food/agro traders: existing PNB borrowers with satisfactory credit history (traders, arthiyas, exporters/importers) and original depositors of non-perishable agricultural commodities
Udyam registration is mandatory.
Value awaiting review
For a non-individual borrower shifting to another bank/FI, PNB's current tariff charges 2% of the sanctioned limit if a cash-credit/overdraft facility is closed before its due date. No such charge applies if written notice of non-renewal is given at least 3 months before the due date and the facility closes on that date. The tariff lists exemptions for qualifying floating-rate individual/ borrowers and other stated cases
applicability depends on borrower, facility, rate type and takeover circumstances. The scheme sheet lists demand loan/cash credit, not term loan.
Borrower must have enough cattle for the proposed plant. Since the plant's apparent income is fuel savings, repayment capacity must be supported by another income source. Project must be sponsored by KVIC, a State Agro Industrial Corporation or the concerned State department.
Up to 9 years, including a grace period of up to 2 years
repayment depends on project cash flow.
Value awaiting review
Natural person, group of individuals or legal person including partnership firm, trust, cooperative society, registered society, company, , , cooperative, APMC, marketing board/committee, municipal corporation/committee or agro-industries corporation. Current eligibility amendments dated 21 August 2026 could not be opened
this is the applicant list from PNB's linked sheet only.
Need-based. PNB says the combine-harvester cost must be verified so it is not inflated
it publishes no fixed rupee ceiling on this page.
Five to seven years, in half-yearly or yearly instalments depending on income generation.
Value awaiting review
Farmers must be able to maintain and operate the combine harvester or arrange for this. Non-farm applicants must be technically qualified with adequate know-how, skill and management ability to run a custom-service unit. State agriculture farms/corporations engaged in land development must have adequate resources and command area to operate and maintain the machine.
Both term loan and working capital are need-based. Working capital is subject to a maximum of 50% of projected receipts and a maximum of 66% of the realisable value of mortgaged immovable property.
Term loan: maximum seven years including a gestation period of up to one year. Working capital: sanctioned for one year, subject to annual renewal or review.
Value awaiting review
Individuals, organisations and institutions eligible to receive agriculture credit under the bank's extant guidelines.
5 years in monthly or quarterly instalments linked to the lactation period. Cross-bred calf rearing has a 30-month moratorium.
Value awaiting review
Subsidiary activity: an individual landless agricultural labourer or farmer with dairy experience, adequate fodder supply and animal accommodation. Main activity: an individual with experience running a commercial dairy farm, accommodation for sheds and arrangements to grow/store fodder and concentrates.
Value awaiting review
PNB's current schedule lists 2% of the amount prepaid for a non-individual borrower taking over a term loan to move to another bank/FI, and 2% of the sanctioned limit for a non-individual borrower closing CC/ before due date to shift lenders. It also lists a CC/ no-charge condition with written non-renewal notice 3 months before due date and multiple borrower/facility-specific exemptions
Applicant must own no land, or hold no more than 1 acre irrigated or 2.5 acres un-irrigated
eligible SC/ST borrowers may apply irrespective of landholding if other criteria are met. Family income from all sources must not exceed ₹18,000/year in rural areas or ₹24,000/year in urban/semi-urban areas. Beneficiary should largely work personally/with family and should have no other finance source while the DRI loan exists.
Applicant must own no land, or hold no more than 1 acre irrigated or 2.5 acres un-irrigated
eligible SC/ST borrowers may apply irrespective of landholding if other criteria are met. Family income from all sources must not exceed ₹18,000/year in rural areas or ₹24,000/year in urban/semi-urban areas. Beneficiary should largely work personally/with family and should have no other finance source while the DRI loan exists.
Need-based, using the -approved unit cost and the borrower's repayment capacity. The scheme sheet gives no fixed rupee ceiling.
Bullocks only: 4 years
he-buffaloes with drawn cart (Jhota Bhuggies): 4–5 years
camel only: 5 years
bullock/animal-drawn cart or camel with cart: 5–7 years.
Value awaiting review
Farmers must own at least 2 acres or hold perpetual cultivation rights over at least 2 acres. No landholding requirement applies to landless labourers or DRDA-sponsored cases. Only young, healthy animals aged 2–6 years are financed
the age is the animal's age, not the applicant's.
Value awaiting review
For a non-individual borrower taking over a loan to shift to another bank/FI, PNB's current schedule states 2% of the prepaid amount on term loans and 2% of the sanctioned limit when a cash-credit/overdraft facility is closed before its due date. For CC/, the stated charge does not apply if written non-renewal notice is given 3 months before the due date and the facility closes on that date. The page lists additional exemptions, including specified floating-rate individual/ loans, borrowers, own-source repayment and other stated cases. Exact applicability depends on borrower, purpose, facility, rate type and closure route.
Individual (other than farmer) and sole proprietorship: up to ₹25 crore. Partnership, private limited, public limited and other listed entity forms: need-based
minimum ₹2 lakh.
Maximum 12 months.
Value awaiting review
Existing or fresh customers with satisfactory credit history (traders, arthiyas, exporters/importers), original depositors of non-perishable agricultural commodities
Udyam registration is mandatory.
Value awaiting review
For a non-individual borrower shifting to another bank/FI, PNB's current tariff charges 2% of the sanctioned limit if a cash-credit/overdraft facility is closed before its due date. No such charge applies if written notice of non-renewal is given at least 3 months before the due date and the facility closes on that date. The tariff lists exemptions for qualifying floating-rate individual/ borrowers and other stated cases
applicability depends on borrower, facility, rate type and takeover circumstances. The scheme sheet lists demand loan/cash credit, not term loan.
Only individuals, joint borrowers and proprietorship firms. The purchaser must meet state agriculturist criteria, have a good track record and relevant experience, be financially sound and able to bring margin and service debt. Existing yielding estates/orchards are expected
non-owners may be considered if able to develop the estate on the desired lines and state law permits. Areca purchases carry state income criteria. Purchaser and seller should normally not be close relatives
total landholding including the purchase must remain within state ceiling limits. The estate/orchard must have potential to absorb substantial developmental credit.
Construction: need-based up to ₹15 lakh. Repair: up to ₹5 lakh, included within the combined ₹15 lakh scheme ceiling. Final quantum depends on income flow and repayment capacity
the borrower funds the gap between project cost and eligible loan.
Construction: up to 20 years or until borrower age 70, whichever is earlier. Repairs: up to 5 years or until age 70, whichever is earlier.
After the proposed scheme instalment, net take-home must be at least 40% of gross annual income and at least ₹1.5 lakh per year.
Fresh and existing owner-cultivators may apply. Existing borrowers need a satisfactory 3-year PNB track record and no overdue on any loan. A fresh borrower must also be sanctioned a and mortgage the entire land to PNB. The land portion must have independent access
the applicant needs adequate utility for the proposed construction and sufficient disposable income from agriculture and other sources
a co-obligant may be considered
repayment must end by age 70
and the structure must not hinder existing, future or allied agriculture.
up to ₹1 lakh for tractor repair/renovation and up to ₹2 lakh for a second-hand tractor. The separate new-tractor route without land mortgage is need-based
no fixed rupee ceiling is stated.
Main route: tractor 7–9 years
second-hand tractor 5 years
power tiller 7 years
repairs/renovation 5 years
other machinery 7 years for small/marginal farmers and 5 years for other farmers. Instalments are half-yearly or yearly and linked to crop harvest/marketing
gestation is up to one year for small/marginal farmers and six months for others. Separate no-land-mortgage tractor route: up to 5 years in monthly, quarterly or half-yearly instalments
Circle Heads may extend 60 months to 72 months on merits. No moratorium is prescribed for this route.
Value awaiting review
Main machinery route: at least 2.5 acres of perennially irrigated land for tractors (or equivalent acreage under the State Land Ceiling Act)
at least 1.5 acres for power tillers
tractor repairs are for tractors over five and not over 12 years old
second-hand tractors must be no more than five years old
the tractor must be driven by a person holding a valid driving licence. Separate tractor route without mortgage of land: individual farmer with at least 2.5 acres of perennially irrigated land (or equivalent) and no record in the previous three years.
Need-based. The does not state an overall numeric loan ceiling. It says loans up to ₹1 crore may qualify for the specified collateral-free credit-guarantee coverage
this is not stated as the scheme's maximum facility amount.
Term-loan repayment follows bank guidelines based on purpose and income generation. Working capital runs for 12 months subject to annual renewal/review. Loans against NWR or for member-produce procurement are cleared within 12 months or sale of produce, whichever is earlier. follows extant bank guidelines.
Value awaiting review
The sets out two routes. guarantee coverage up to ₹1 crore requires: registration as an under the named Companies Act provision
member equity
at least 500 individual shareholders
at least 33% small, marginal or landless tenant-farmer shareholders
no individual non-institutional member holding above 5% of equity
an elected/nominated board of at least five with farmer representation and one woman
a management committee
and an 18-month business plan and budget. The second route is for registered under any statute
four-wheeler LMV: up to ₹15 lakh. Each limit is need-based and subject to repayment capacity.
Two-/three-wheeler: up to 60 months. New four-wheeler: up to 84 months.
At least ₹2.50 lakh gross annual income applies only to dairy, poultry, plantation, horticulture or other allied-activity applicants seeking a 3/4-wheeler under the landholding exemption
it is not a universal scheme threshold.
New or existing farmers engaged in agriculture/allied activities with branch-assessed repayment capacity. Two-wheelers require direct agriculture/allied engagement. Three/four-wheelers normally require more than 1 acre of land in the applicant's name and 2 years of satisfactory bank dealings. For dairy, poultry, plantation, horticulture and other allied activities, the land threshold is waived if gross annual income is at least ₹2.50 lakh for a 3/4-wheeler. A branch may consider 1 acre where farm-produce transport use and economic viability are established.
Circle Heads may extend up to 72 months. Two-wheeler finance: maximum 5 years in 10 half-yearly instalments.
Value awaiting review
Individual, Hindu Undivided Family or association of persons engaged in farming/allied activities
companies and cooperative societies are excluded. Minimum landholding is 3 acres for a truck, 2 acres for a light/medium vehicle such as jeep, pickup van or mini-truck, and 1 acre for a two-wheeler.
Pond fish culture: 5–8 years including 12 months' gestation, yearly repayment. Brackish-water fish/prawn culture: 5–10 years including 12 months' gestation, half-yearly repayment. FFDA-sponsored pond culture: 9 years with a 2-year repayment holiday. Non-mechanized boats/vessels: 6–7 years with 4 months' grace each year. Mechanized boats: 8–12 years with 4 months' grace each year.
Value awaiting review
Inland/brackish-water applicants may be individual farmers, groups, cooperatives, companies or associations of persons with adequate know-how, experience/training and infrastructure
they must own the pond/land or hold a lease through project completion and have fishing rights for lake/reservoir projects. A water-quality report must accompany the application. Marine applicants may be technically qualified, experienced individuals, partnership firms or limited companies
deep-sea vessels require government permission to operate in the maritime zone.
Value awaiting review
PNB's current schedule lists 2% of the amount prepaid for a non-individual borrower taking over a term loan to move to another bank/FI, and 2% of the sanctioned limit for a non-individual borrower closing CC/ before due date to shift lenders. It also lists a CC/ no-charge condition with written non-renewal notice 3 months before due date and multiple borrower/facility-specific exemptions
Term loan: 5–7 years depending on loan amount, purpose and applicant request. Short-term production credit: 12 or 18 months under the scheme.
Value awaiting review
Applicant should own the required agricultural land
the site should be market-connected and have good-quality water, electricity and drainage. PNB may finance progressive farmers already using modern agricultural technology who have greenhouse experience/training, or existing greenhouse farmers expanding their units.
Value awaiting review
PNB's current schedule lists 2% of the amount prepaid for a non-individual borrower taking over a term loan to move to another bank/FI, and 2% of the sanctioned limit for a non-individual borrower closing CC/ before due date to shift lenders. It also lists a CC/ no-charge condition with written non-renewal notice 3 months before due date and multiple borrower/facility-specific exemptions
Individual farmers or groups need aptitude/adequate experience and the stipulated land, either owned or held as a long-term tenant/lessee with the lease extending at least 3 years beyond the project's economic life. Public-sector undertakings and private firms may seek project finance for fruit trees or other economic plants.
Value awaiting review
PNB's current schedule lists 2% of the amount prepaid for a non-individual borrower taking over a term loan to move to another bank/FI, and 2% of the sanctioned limit for a non-individual borrower closing CC/ before due date to shift lenders. It also lists a CC/ no-charge condition with written non-renewal notice 3 months before due date and multiple borrower/facility-specific exemptions
Uses the interest rate applicable to the individual agriculture scheme under which the finance is extended
PNB publishes no single rate.
Value awaiting review
Need-based under both the individual-member and group-finance models.
Value awaiting review
Value awaiting review
Four to 10 individuals with similar socioeconomic background, generally in similar agriculture/allied activity, living in the same village/area/neighbourhood and able to take joint liability. A person who has previously defaulted to any formal financial institution cannot join
only one person from a family may belong to a given .
Value awaiting review
For a non-individual borrower shifting a term loan to another bank/financial institution, PNB's current tariff lists 2% of the amount prepaid. For cash-credit/overdraft closure before its due date, it lists 2% of the sanctioned limit
that charge is waived if written non-renewal notice is given at least 3 months before the due date and the facility closes on that date. The tariff also lists exemptions, including eligible floating-rate loans to individuals/ and loans prepaid from the borrower's own sources
Up to ₹10 crore, further limited to the lower of 5 times the borrower's average annual total income over 2 years and 50% of the mortgaged-land value.
Housing: 9 years including 12 months' gestation. Main agricultural activity: up to 9 years. Allied agriculture: up to 7 years. Working capital for allied activities: 12 months. For cash credit, aggregate credits over the previous 12 or 18 months should equal the outstanding
a drawal should not remain outstanding for more than 12 months, or 18 months for long-duration crops.
Value awaiting review
Existing good agricultural-land-owner borrowers must have continuously availed a loan and have no record for the previous 2 years as of application. New farmers may qualify with at least 2 years of satisfactory dealings with another bank
PNB says that track-record condition may be relaxed for new farmers with good deposits over the previous 2 years. Multiple owners of mortgaged land may be eligible jointly or individually after declaring that there is no family dispute about title or the charge in PNB's favour.
5–7 years, including a maximum 12-month moratorium
half-yearly or yearly instalments.
Value awaiting review
All farmers, including small and marginal farmers, tenant farmers, oral lessees, sharecroppers and agricultural labourers indebted to non-institutional money sources. A certificate from the moneylender discharging total liability is not required.
the current rate table lists regular outstanding up to ₹3 lakh at 7.00% p.a. No separate Krishak Unnati-component rate is named on the reviewed current rate page.
Value awaiting review
Up to ₹10 lakh
the umbrella limit is the lowest of twice the limit assessed for the proposed cropping pattern, 50% of the agricultural-land value used for calculation, or ₹10 lakh.
Both components are valid for five years subject to annual review. The short-term cash-credit limit is reviewed annually to check that crop and other sale proceeds are routed through the account.
Value awaiting review
Existing good agricultural land-owner borrowers who have borrowed continuously from PNB for two years and had no loan account classified during the preceding two years. Other scheduled-commercial-bank customers may qualify after two years of satisfactory dealings if none of their loan accounts was in the preceding two years
PNB obtains and reviews statements for all their loan accounts for the previous 12 months.
Nil up to ₹3 lakh
0.30%above ₹3 lakh. PNB charges this at sanction and renewal/enhancement, not for an in-validity review
Term finance to buy and cultivate agricultural, fallow or wasteland. The states an extent of ₹20 lakh and specifies a valuation basis
it does not label that figure a universal sanctioned maximum.
7–12 years in half-yearly or yearly instalments, including a maximum 24-month moratorium.
Value awaiting review
Small and marginal farmers, sharecroppers, tenant farmers and entrepreneurs with an agricultural background. After purchase, total holding must not exceed 2.5 irrigated acres or 5 non-irrigated acres (or equivalent). Land must be within 15 km of existing owned land or residence, or within the command area, whichever is higher.
agriculture: + 2.70%. The agricultural spread's linked microfinance-cap schedule footnotes the ₹2.70% route for NRLM/SRLM schemes repayable beyond 3 years
the current product-specific table does not repeat that qualifier, so confirm the applicable agriculture route at sanction.
8.35% effective 8 October 2026. effective 1 October 2026: overnight 8.00%, 1 month8.25%, 3 months8.50%, 6 months8.65%, 1 year8.80% and 3 years9.10%. These are benchmark values
they are not the scheme's + all-in rate.
Maximum ₹1,00,000.
Maximum 36 equal monthly instalments. PNB permits monthly, quarterly or half-yearly repayment periodicity according to borrower requirements.
PNB's scheme sheet requires actual or projected annual household income up to ₹3,00,000. The defines a household as husband, wife and their unmarried children.
Actual or projected annual household income up to ₹3,00,000. PNB defines a household as husband, wife and unmarried children. Total repayments on every existing household loan plus the proposed loan, including principal and interest, must be no more than 50% of monthly household income
no new loan is provided while the household is above this limit.
Value awaiting review
No prepayment penalty or foreclosure charge on a microfinance loan to a household borrower. PNB's tariff exception is for loans to -
it does not describe the household product in this scheme.
listed wells, lift irrigation and /OFD facilities 11–15 years. Gestation: pumpsets 12 months, OFD 24 months, lift irrigation 36 months, others up to 1 year.
Value awaiting review
Normally at least 1 acre of agricultural land
the rule does not apply to projects sponsored by DRDA, SGSY or a State Development Agency. Project must be in a white area, technically feasible and economically viable. Tubewells must be at least 200 square yards apart.
Mushroom cultivation: maximum 7 years including 6 months' gestation. Spawn production: maximum 7 years including 1 year's gestation.
Value awaiting review
Mushroom cultivation: individuals and larger units with adequate cultivation experience. Spawn production: individuals and larger units with plant-pathology qualification or an appropriate background and training in spawn production.
Value awaiting review
PNB's current schedule lists 2% of the amount prepaid for a non-individual borrower taking over a term loan to move to another bank/FI, and 2% of the sanctioned limit for a non-individual borrower closing CC/ before due date to shift lenders. It also lists a CC/ no-charge condition with written non-renewal notice 3 months before due date and multiple borrower/facility-specific exemptions
Outstanding up to ₹3 lakh: 7.00% p.a.Above ₹3 lakhup to ₹5 lakh: lower of 1-year or 10% p.a.Above ₹5 lakhup to ₹20 lakh, and accounts irrespective of amount: 1-year +2.10% for repayment up to 1 year, +2.15% for over 1–3 years, and +2.70%above 3 years. Above ₹20 lakh: internal/external risk rating based. PNB's 1-year is 8.80% from 1 October 2026.
Up to ₹3 lakh: fixed 7.00% p.a.
₹3–5 lakh: lower of 1-year or 10%
₹5–20 lakh and accounts: 1-year plus tenure-based spreads
above ₹20 lakh: risk-rated.
Cash credit: advised minimum ₹6 lakh for an eligible for 3 years, with annual drawing-power review. Year 1: 6× corpus or ₹1.5 lakh, whichever is higher
year 2: 8× corpus or ₹3 lakh, whichever is higher
year 3: at least ₹6 lakh based on the micro-credit plan and history
year 4 onward: above ₹6 lakh based on the plan/history. Term-loan doses: first 6× corpus or ₹1.5 lakh, whichever is higher
second 8× corpus or ₹3 lakh, whichever is higher
third and fourth at least ₹6 lakh each, plan/history based. The sheet states no fixed maximum ceiling.
Value awaiting review
Value awaiting review
of 10–20 members
at least 5 in remote/difficult tribal areas or groups with disabled persons. The must be active for at least 6 months per its books, follow regular meetings/savings/inter-lending/repayment/up-to-date records, and meet grading norms. A revived defunct must remain active for at least 3 months.
the scheme sheet gives no fixed numeric loan ceiling.
Value awaiting review
Value awaiting review
Individuals, and with sufficient land for crops or vegetables. Vacant land in or around a residential house may also be used when the applicant has the right to use it.
Need-based at the unit cost approved by the State unit cost committee
the usual unit comprises 1 boar and 3 sows. Feed and medicine may be financed for no more than 9 months. No fixed rupee ceiling is stated.
Production credit: maximum 1.5 years. Investment credit: 5–6 years including a 1-year gestation period.
Value awaiting review
Farmers, agricultural labourers and other entrepreneurs may establish units as a main or subsidiary activity. PNB says the State Animal Husbandry Department should be consulted about pig quality and unit size. The 1.5–2-year age condition applies to the pigs financed, not the applicant.
Value awaiting review
For a non-individual borrower taking over a loan to shift to another bank/FI, PNB's current schedule states 2% of the prepaid amount on term loans and 2% of the sanctioned limit when a cash-credit/overdraft facility is closed before its due date. For CC/, the stated charge does not apply if written non-renewal notice is given 3 months before the due date and the facility closes on that date. The page lists additional exemptions, including specified floating-rate individual/ loans, borrowers, own-source repayment and other stated cases. Exact applicability depends on borrower, purpose, facility, rate type and closure route.
B3 and below, 11.00% p.a. Small and marginal farmers rated up to B1: 8.50% p.a. These current examples use PNB's 8.50%three-month effective 01-10-2026
the scheme sheet's embedded 8.40% note is stale.
PNB three-month
8.50% effective 01-10-2026.
Component A: maximum ₹10 crore. Components B, C (IPS) and C2 (FLS): need-based
the PNB sheet gives no numeric ceiling for these three components.
Component A: 15 years. Component B: 10 years. Component C (IPS): 10 years. Component C2 (FLS): 15 years.
Value awaiting review
Value awaiting review
Value awaiting review
PNB's tariff section 10.15: when a non-individual borrower shifts a term loan to another bank/FI, 2% of the prepaid amount
for cash-credit/overdraft closed before its due date, 2% of the sanctioned limit. No cash-credit/overdraft closure fee if the borrower gives written non-renewal notice 3 months before the due date and closes on that date. The same section exempts floating-rate loans to individuals for non-business purposes and to individuals/ for business purposes, with or without co-obligants, with no lock-in
further listed exceptions include borrowers, borrower-owned funds and specified rate-reset/term-change cases. Applicability depends on borrower/facility type and the exact sanction terms.
Up to 10 years, inclusive of a one-year moratorium.
Value awaiting review
Individual PMFME support is for upgrading an existing micro food-processing unit. For the additional benefit, the project must include both primary and secondary processing of agricultural produce (excluding dairy, fisheries and animal feed), and the bank's interest rate must be below 9%.
Value awaiting review
PNB's current tariff covers takeover by another bank/FI for non-individual borrowers: term loans, 2% of the amount prepaid
CC/, 2% of sanctioned limit. The CC/ charge is not levied when three months' written notice is given and the account closes on its due date. The tariff lists exceptions, including floating-rate advances to individual and borrowers
applicability depends on borrower, facility and rate type. This is not a blanket charge for ordinary early repayment.
above ₹10 lakh, +0.90 points = 9.25% p.a. Agriculture: up to ₹2.5 lakh, +0.50 points = 8.85% p.a.
above ₹2.5 lakh, +0.75 points = 9.10% p.a. Combined rates are arithmetic using PNB 8.35% effective 8 October 2026, not quoted all-in offers.
PNB is 8.35% effective 8 October 2026
the Digital Gold Loan page applies an additional segment and amount-band spread.
Retail: ₹25,000 to ₹25 lakh per borrower. Agriculture: ₹10,000 to ₹25 lakh.
Agriculture: bullet demand loan up to 12 months
monthly up to 36 months
overdraft sanctioned for 12 months subject to annual renewal, with interest serviced as due. Retail: bullet demand loan up to 12 months or up to 36 months.
Value awaiting review
Retail: an individual resident of India. Agriculture: a person engaged in agriculture or allied activities classified as agriculture under rules. The Digital Gold Loan page says both existing PNB customers and new-to-bank customers may apply.
Retail: 0.30% of the loan amount + or ₹500 + , whichever is higher. Agriculture: up to ₹50,000, nil
above ₹50,000up to ₹2 lakh, ₹500 +
above ₹2 lakh, 0.25% + capped at ₹5,000 + . Documentation charge is nil for both segments.
Retail: up to ₹10 lakh, +0.85 percentage points = 9.20% p.a.
above ₹10 lakh, +0.90 points = 9.25% p.a. Swarnim agriculture: up to ₹2.5 lakh, +0.50 points = 8.85% p.a.
above ₹2.5 lakh, +0.75 points = 9.10% p.a. Combined percentages are arithmetic using PNB 8.35% effective 8 October 2026, not separately quoted offer rates.
PNB is 8.35% effective 8 October 2026. The gold-loan rate adds the segment and sanction-amount spread published by PNB.
Retail: ₹25,000 to ₹25 lakh per borrower. PNB Swarnim agriculture: ₹10,000 to ₹25 lakh per borrower.
Retail: bullet demand loan up to 12 months
term loan up to 36 months
overdraft has a 12-month sanction period subject to annual review and a published repayment ceiling of 36 months subject to review. Swarnim: bullet up to 12 months
monthly up to 36 months
overdraft sanctioned for 12 months subject to annual renewal, with interest serviced as due.
Value awaiting review
Retail gold loan: an individual resident of India. PNB Swarnim: farmers and agricultural entrepreneurs, including tenant farmers, oral lessees and sharecroppers, and others engaged in agriculture or allied activities that qualify under , Government of India or rules.
Retail: 0.30% of loan amount + or ₹500 + , whichever is higher
Floating: 7.20%–9.10% p.a. across the displayed / rows
PNB Pride rows start at 7.25% p.a. Fixed: 8.20%–10.60% p.a. across displayed bands, depending on score, and whether fixed tenure is up to or above 10 years. Campaign: 01-10-2026 to 31-12-2026.
Floating rates are expressed as + with row-specific spreads
the published current rates in the table are the resulting rates for this 01-10-2026 to 31-12-2026 campaign. PNB also publishes fixed-rate options by tenure.
Construction, additions and house/flat purchase: need-based on project cost and repayment capacity. Residential plot: maximum ₹1,00,00,000. Repairs/renovation/alterations: maximum ₹1,00,00,000. Furnishing: up to 25% of home loan or ₹1,00,00,000, whichever is lower, within .
Up to 30 years including moratorium for ordinary housing purposes
up to 15 years including moratorium for repairs, renovation or alterations. PNB's older generic separately limits tenure to 30 years or age 70
the dedicated scheme page does not repeat an age cap.
Value awaiting review
Individuals or co-borrowers with an assured regular income
listed groups include salaried employees, professionals, self-employed people, business owners and farmers. PNB staff are also eligible under the public scheme. Spouse, earning children and joint owners' income may be clubbed when they are co-borrowers
parents may co-borrow and have income clubbed in the specified property-title cases.
Current campaign (01-10-2026 to 31-12-2026): full waiver of Home Loan upfront/processing and documentation charges. Schedule outside the campaign: 0.35% of loan amount, minimum ₹2,500 and maximum ₹15,000
documentation ₹1,350. Takeover: ₹2,500 processing and ₹1,350 documentation. All charges exclude /taxes.
No prepayment charge for retail loans under the floating-rate option. PNB's Housing Loan does not state the charge treatment for a fixed-rate option.
Regular outstanding up to ₹3 lakh: 7.00% p.a. The same current schedule lists agriculture loans up to ₹20 lakh, including irregular , at one-year +1.25%
it separately lists ₹20–50 lakh at one-year +2.00% and loans above ₹50 lakh at risk-based pricing. The schedule does not explicitly assign those latter agriculture rows to regular above ₹3 lakh.
One-year for the published agriculture-loan band up to ₹20 lakh, including irregular . Regular outstanding up to ₹3 lakh is separately 7.00% p.a.
PNB does not assign the other agriculture bands to regular .
Need-based against the applicable scale of finance, up to ₹10 crore for crop-production and up to ₹10 crore for the AH&F component. For marginal farmers, PNB also lists a Flexi- range of ₹10,000–₹50,000, subject to landholding, crop and assessed needs.
PNB says /KSY limits are renewed after five years.
Value awaiting review
Crop : individual/joint owner cultivators, tenant farmers, oral lessees and sharecroppers, plus eligible farmer / including tenant farmers and sharecroppers. AH&F : farmers engaged in the activity, including individuals, joint borrowers, groups/partners, sharecroppers/tenant farmers, , and women's groups
fishery applicants must meet the scheme's activity and applicable licensing/ownership-or-lease conditions.
Agriculture-credit schedule effective 15 April 2026: nil up to ₹3 lakh
0.30%above ₹3 lakh. For /KSY/Krishak Unnati, charge at sanction and then renewal/enhancement
no charge for an in-validity review, and renewal is after five years. PNB also waives the fee for secured by specified liquid securities and publishes additional / and priority-sector exemptions.
PNB's product page does not name the tenor for this scheme.
the product page does not specify the tenor.
Minimum ₹1,000
maximum ₹1 lakh, limited to 25% of the existing or Kisan Samriddhi Yojana limit.
5 years.
Value awaiting review
Existing PNB holders or Kisan Samriddhi Yojana borrowers with a satisfactory two-year track record. The page states existing accounts should be Standard/CBR-0/SMA-0, then says CBR-0/SMA-0 accounts as of application/sanction are ineligible and only standard and regular accounts at application qualify. A previously availed Krishi Tatkal facility is allowed only if fully repaid by application date
7.25%–9.85% p.a.above ₹2,00,000 through ₹6,00,000. Fixed: 8.25%–10.85% p.a. for the above-₹2,00,000-to-₹6,00,000 band. Rates vary by band and whether the borrower has an existing/fresh PNB home loan.
Up to ₹2,00,000, floating rate = Repo Rate + 0.50% (PNB shows 5.25% + 0.50% = 5.75% p.a.). Above ₹2,00,000 through ₹6,00,000, floating rates use + spreads by and home-loan relationship
the fixed-rate column gives the stated rates without a benchmark formula.
Up to 3 kW: ₹2,00,000 maximum. Above 3 kW through 10 kW: ₹6,00,000 maximum. PNB gives indicative financing of ₹50,000–₹70,000 per kW.
Maximum 10 years (120 months), inclusive of the six-month moratorium
repayment with interest must end by borrower age 75.
For loans above ₹2,00,000 through ₹6,00,000, all deductions including the proposed instalment must not exceed 50% of gross annual salary/income
regular income over the full loan period must be established. PNB asks for at least one year of /Form 16 and a six-month account statement. No income assessment is required up to ₹2,00,000.
Individuals may apply alone or jointly with parents, spouse, earning children (married or unmarried) or an earning daughter-in-law. Applicant(s) need / TU 680 or equivalent, including −1/0/Nil/no-hit
the applicant or co-applicant must own the home and rooftop rights, have MNRE-required roof area and a latest electricity bill confirming ownership. Applicant must hold a PNB savings account
maximum age 75.
Nil processing and upfront fees.
Floating-rate loans to individuals for non-business purposes: no prepayment charge for partial or full payment, regardless of funds used and without a minimum lock-in. For a dual/special-rate loan, the exemption depends on whether it is floating when prepaid. The fixed-rate charge is not stated in the solar scheme page or the reviewed tariff clause.
Production credit: layers, maximum 18 months with 6 months' gestation
broilers, maximum 12 months with 3 months' gestation. Investment credit: 6–7 years, including 12 months' gestation for layers and up to 3 months for broilers.
Value awaiting review
Subsidiary activity: small farmers, landless agricultural labourers or other underemployed people seeking supplementary income, with the land/shed needed for the unit. Main activity: applicant's main vocation is commercial poultry farming, with experience and the required land/shed.
Value awaiting review
PNB's current schedule lists 2% of the amount prepaid for a non-individual borrower taking over a term loan to move to another bank/FI, and 2% of the sanctioned limit for a non-individual borrower closing CC/ before due date to shift lenders. It also lists a CC/ no-charge condition with written non-renewal notice 3 months before due date and multiple borrower/facility-specific exemptions
Need-based on the project's total financial outlay.
Term loan: up to seven years including grace of up to one year
half-yearly instalments after a case-specific 6–12 month initial moratorium. Extension beyond seven years may be approved by the next higher sanctioning authority on merit. Seed-processing working-capital CC: one year, renewed annually. Advances to outsourced farmers: repay within 12 months or when cash generation begins, whichever occurs first.
Value awaiting review
Individuals, private companies, corporates, Self Help Groups, Joint Liability Groups and other legal entities.
Value awaiting review
For a non-individual borrower shifting a term loan to another bank/financial institution, PNB's current tariff lists 2% of the amount prepaid. For cash-credit/overdraft closure before its due date, it lists 2% of the sanctioned limit
that charge is waived if written non-renewal notice is given at least 3 months before the due date and the facility closes on that date. The tariff also lists exemptions, including eligible floating-rate loans to individuals/ and loans prepaid from the borrower's own sources
unit size follows a male:female ratio of 1:20 for sheep and 1:4 for goats. The sheet gives no fixed rupee ceiling.
Medium-term repayment: 5–6 years including 12 months of gestation.
Value awaiting review
Small/marginal farmers and agricultural labourers may take up sheep/goat breeding or rearing as a subsidiary activity
trained persons may take it up commercially. The published male:female unit ratio is 1:20 for sheep and 1:4 for goats.
Value awaiting review
For a non-individual borrower taking over a loan to shift to another bank/FI, PNB's current schedule states 2% of the prepaid amount on term loans and 2% of the sanctioned limit when a cash-credit/overdraft facility is closed before its due date. For CC/, the stated charge does not apply if written non-renewal notice is given 3 months before the due date and the facility closes on that date. The page lists additional exemptions, including specified floating-rate individual/ loans, borrowers, own-source repayment and other stated cases. Exact applicability depends on borrower, purpose, facility, rate type and closure route.
Up to ₹2.5 lakh: +0.50%, which is 8.85% p.a. using 8.35% effective 8 October 2026. Above ₹2.5 lakh: +0.75%, which is 9.10% p.a. These two figures are arithmetic results from PNB's published formula and benchmark, not separate PNB-quoted offers.
PNB is 8.35% effective 8 October 2026. Swarnim adds 0.50 percentage pointsup to ₹2.5 lakh and 0.75 points above that amount.
₹25 lakh per borrower.
Bullet demand loan: up to 12 months, with interest and principal due at maturity. Monthly demand loan: up to 36 months, with interest and principal serviced as due. Overdraft: 12-month sanction subject to annual renewal
interest serviced as due.
Value awaiting review
Farmers, agri-entrepreneurs, tenant farmers, oral lessees, sharecroppers and other persons engaged in -classified agriculture/allied activity. is required. Up to ₹2.5 lakh, obtain a self-declaration
above ₹2.5 lakh, obtain landholding records and/or valid proof of agriculture activity. The borrower needs regular income, including projected income, to service interest/.
Up to ₹50,000: nil. Above ₹50,000 to ₹2.5 lakh: ₹500 + . Above ₹2.5 lakh: 0.25% of the loan amount + , capped at ₹5,000 + . Documentation charge: nil.
Facilities are stated by purpose/type, without a fixed rupee ceiling. Total exposure across facilities to tea companies should normally not exceed 75% of the value of their tea estates.
Value awaiting review
Value awaiting review
The sheet names tea companies
large borrowers and leaf factories for tea-leaf production/factory working capital
and small borrowers for tea-leaf production working capital. It gives no separate minimum income or further applicant-qualification rule.
Value awaiting review
For a non-individual borrower taking over a loan to shift to another bank/FI, PNB's current schedule states 2% of the prepaid amount on term loans and 2% of the sanctioned limit when a cash-credit/overdraft facility is closed before its due date. For CC/, the stated charge does not apply if written non-renewal notice is given 3 months before the due date and the facility closes on that date. The page lists additional exemptions, including specified floating-rate individual/ loans, borrowers, own-source repayment and other stated cases. Exact applicability depends on borrower, purpose, facility, rate type and closure route.
PNB Gram Uday component only: up to ₹1,00,000. The separate section A wasteland-development loan is need-based with no fixed maximum stated.
Section A: 5–15 years with up to 36 months' gestation. PNB Gram Uday: up to 5 years' repayment with up to 1 year' gestation.
Value awaiting review
Section A: individual farmers owning or holding long-term tenancy/leasehold over degraded land, and panchayats/other bodies with community land. PNB Gram Uday: owner cultivators and their /
the scheme rate is fixed at disbursement and does not reset with .
₹1.5 lakh to ₹25 lakh
60 months
₹3 lakh for salaried, pensioner, professional and business applicants
₹4 lakh for agriculturists
Value awaiting review
2.00% of loan amount plus
maximum ₹10,000 plus
minimum shown as .
Value awaiting review
Green marks the most favourable compatible published number or range in each column; incomparable units and overlapping range trade-offs remain neutral. It does not account for eligibility, service, exclusions or personal suitability.
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