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PNB Agriclinic and Agribusiness Centres Scheme

Need-based finance for eligible agriculture graduates and other listed candidates setting up farm-advisory clinics or agribusiness service centres.

Loan amountNeed-based, depending on financial viability and technical feasibility.Repayment tenureFive 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.PurposeSet up agri-clinics for expert advice and services to farmers, or agribusiness centres for input supply, farm equipment hire and other services.
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Quick eligibility check

PNB Agriclinic and Agribusiness Centres Scheme

0 of 8 answered

Answer what you know. This guide compares your answers with the criteria published for this product; it is not an approval decision. Your answers stay on this device.

1Are you aged 18 to 60?

Published source: Eligibility

2Do you meet this requirement: specified diploma/postgraduate-diploma holders?

Published source: Eligibility

3Do you meet this requirement: agriculture/allied postgraduates?

Published source: Eligibility

4Do you meet this requirement: degrees with over 60% agriculture/allied course content?

Published source: Eligibility

5Do you meet this requirement: specified biological-sciences graduates with qualifying agriculture diplomas?

Published source: Eligibility

6Document checkDo you have this required document or proof: PNB's general agriculture-credit checklist lists a completed Loan Application Form for Agriculture Credit, self-attested identity proof, recent residence proof, two recent applicant photographs (not older than six months) and land-record particulars. This is a general, non-exhaustive checklist; the scheme PDF does not explain how land records apply to every ACABC applicant type, and the linked seven-page PNB 1235 form could not be accessed in this review?

Published source: General agriculture-credit checklist

7Document checkDo you have at least one of these required documents: self-attested identity proof (Voter ID, Aadhaar, passport or another government photo ID)?

Published source: General agriculture-credit checklist

8Document checkDo you have at least one of these required documents: recent residence proof (including specified bills/receipts or accepted identity/address documents)?

Published source: General agriculture-credit checklist
0 of 8 answeredAnswer the remaining questions to see your checklist result.
✓ Manually checked 8 Oct 2026 · active
Offered byPunjab National Bank

India

Key facts

What the official sources publish

Every value belongs to this exact product. Expand any fact to inspect its official evidence in place.

PurposeSet up agri-clinics for expert advice and services to farmers, or agribusiness centres for input supply, farm equipment hire and other services.View source
The PNB sheet separately defines agri-clinics and agribusiness centres.
Source
Agriclinic and Agribusiness Centres Scheme (ACABC) — PNB scheme
Page / section
page 1, Purpose
Accessed
3 Oct 2026
Confidence
high
Open official source ↗
EligibilityCandidates 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.View source
All six eligibility routes, age, stated marks/course-content thresholds and approval conditions are retained from the one-page sheet.
Source
Agriclinic and Agribusiness Centres Scheme (ACABC) — PNB scheme
Page / section
page 1, Eligibility paragraphs a–f
Accessed
3 Oct 2026
Confidence
high
Open official source ↗
Loan amountNeed-based, depending on financial viability and technical feasibility.View source
The loan amount is need-based; the separate subsidy project-cost ceilings below are not stated as loan ceilings.
Source
Agriclinic and Agribusiness Centres Scheme (ACABC) — PNB scheme
Page / section
page 1, Extent of Loan
Accessed
3 Oct 2026
Confidence
high
Open official source ↗
Composite subsidyBack-ended subsidy of 36% of capital cost funded through bank loan; 44% for women, SC/ST, other disadvantaged sections, and North-Eastern or hilly states.View source
The bank states the back-ended composite subsidy percentages and the categories for the enhanced rate.
Source
Agriclinic and Agribusiness Centres Scheme (ACABC) — PNB scheme
Page / section
page 1, composite subsidy
Accessed
3 Oct 2026
Confidence
high
Open official source ↗
Project-cost ceilings for subsidyIndividual project: ₹20 lakh, or ₹25 lakh for an exceptionally successful project. Group project: ₹100 lakh with at least five individuals.View source
The table labels these values as project-cost ceilings for subsidy and separately calls the loan need-based.
Source
Agriclinic and Agribusiness Centres Scheme (ACABC) — PNB scheme
Page / section
page 1, Project Cost Ceiling for Subsidy table
Accessed
3 Oct 2026
Confidence
high
Open official source ↗
Repayment tenureFive 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.View source
The bank gives the overall 5–10 year range and a maximum two-year grace period; payment frequency depends on income generation.
Source
Agriclinic and Agribusiness Centres Scheme (ACABC) — PNB scheme
Page / section
page 1, Repayment
Accessed
3 Oct 2026
Confidence
high
Open official source ↗
Loan typeAgriculture loanView source
The official product name identifies this as “PNB Agriclinic and Agribusiness Centres Scheme”.
Source
PNB Agriclinic and Agribusiness Centres Scheme — official product page
Page / section
Official product name and loan classification
Accessed
3 Oct 2026
Confidence
high
Open official source ↗
Maximum application-disposal timePNB's published maximum agriculture-loan disposal schedule is based on the credit-limit band: up to ₹2 lakh, 2 weeks; above ₹2 lakh to ₹50 lakh, 4 weeks; above ₹50 lakh to ₹1 crore, 5–6 weeks; above ₹1 crore to ₹100 crore, 6–7 weeks; above ₹100 crore, 8–9 weeks.View source
The bank labels each band as the maximum time schedule. It is a disposal target by credit limit, not a promise of sanction or disbursement.
Source
PNB General Guidelines for Agricultural Credit
Page / section
Section 1, Time Schedule for Disposal of Loan Applications
Accessed
8 Oct 2026
Confidence
high
Open official source ↗
General agriculture-credit checklistPNB's general checklist lists a completed Loan Application Form for Agriculture Credit; self-attested identity proof (Voter ID, Aadhaar, passport or another government photo ID); recent residence proof (including specified bills/receipts or accepted identity/address documents); two recent applicant photographs, not older than six months; and particulars of land records. The checklist is general and not stated to be exhaustive or applicable in full to every scheme/entity; PNB's linked seven-page PNB 1235 form was inaccessible in this review.View source
This reproduces the general checklist within its stated scope; it is not a scheme-specific exhaustive list. The current linked application form could not be reviewed.
Source
PNB Agricultural Banking — documents required for agriculture loan
Page / section
Documents Required for Agriculture Loan
Accessed
8 Oct 2026
Confidence
high
Open official source ↗
Conditional takeover prepayment / foreclosure chargeFor 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/MSEs and loans prepaid from the borrower's own sources; this is not a universal early-repayment charge.View source
The tariff describes takeover by a non-individual borrower and separately states exemptions. Product applicability depends on the final borrower type, facility and rate type; do not show this as a universal fee.
Source
PNB Credit Related Service Charges — current existing charges
Page / section
Section 10.15(a)–(c), takeover prepayment/foreclosure and exceptions
Accessed
8 Oct 2026
Confidence
high
Open official source ↗
Borrower marginFor ACABC loans up to ₹5 lakh, margin is nil; above ₹5 lakh, margin is 25%. PNB's general note says a back-ended subsidy does not remove the borrower's required margin contribution under applicable bank/government rules.View source
This is the explicit ACABC-specific margin table. The ordinary production/investment margin bands are not substituted for it.
Source
PNB General Guidelines for Agricultural Credit
Page / section
Section 2(ii), Scheme of Agri-Clinics/Agri-Business Centres margin table; Section 2 note (iv)(b), back-ended subsidy
Accessed
8 Oct 2026
Confidence
high
Open official source ↗
SecurityPNB applies RBI tiny-industry security norms to ACABC units. For a loan up to ₹10 lakh, hypothecation of assets created from the loan is sufficient and no further security is required. The page does not give a separate numeric collateral rule above ₹10 lakh.View source
The ₹10 lakh rule is expressly ACABC-specific. The page refers to tiny-industry norms above this amount but does not state another numerical threshold in this clause.
Source
PNB General Guidelines for Agricultural Credit
Page / section
Section 3, Scheme of Agri-Clinics and Agri-Business Centres
Accessed
8 Oct 2026
Confidence
high
Open official source ↗

Benefits and features

  • Project finance is need-based and subject to financial viability and technical feasibility
  • Repayment from 5 to 10 years with a project-specific grace period up to 2 years
  • Back-ended composite subsidy of 36%, or 44% for the listed priority groups/states

Eligibility

  • Age 18–60 and the qualifications/marks conditions listed in the bank scheme sheet apply.

Passing a listed condition does not mean the bank will approve an application.

Documents the bank lists

  • PNB's general agriculture-credit checklist lists a completed Loan Application Form for Agriculture Credit, self-attested identity proof, recent residence proof, two recent applicant photographs (not older than six months) and land-record particulars. This is a general, non-exhaustive checklist; the scheme does not explain how land records apply to every ACABC applicant type, and the linked seven-page PNB 1235 form could not be accessed in this review.

Related official documents

Agriclinic and Agribusiness Centres Scheme (ACABC) — PNB scheme PDFofficial-agriculture-scheme-pdf · current · accessed 3 Oct 2026
↗
PNB Agriculture Loan Schemes catalogueofficial-product-catalogue-page · current · accessed 6 Oct 2026
↗
PNB Agriculture Loan Schemes catalogue — current link checkofficial-product-catalogue-page · current-catalogue-link-check · accessed 8 Oct 2026
↗
PNB 1235 — Loan Application Form for Agriculture Creditofficial-agriculture-credit-application-form-pdf · inaccessible-cache-miss-and-dns-failure · accessed 8 Oct 2026
↗
PNB Agricultural Banking — documents required for agriculture loanofficial-agriculture-banking-page · current · accessed 7 Oct 2026
↗
PNB General Guidelines for Agricultural Credit — current application, ACABC margin and security rulesofficial-general-guidelines-page · current-relevant-sections-reviewed · accessed 8 Oct 2026
↗
PNB Interest Rates on Advances — current agriculture and specific-scheme ratesofficial-rate-table · current · accessed 6 Oct 2026
↗
PNB Interest Rates on Advances — current agriculture and specific-scheme sectionsofficial-rate-table-page · current-rate-page-reviewed-for-agriculture-schemes · accessed 8 Oct 2026
↗
PNB Credit Related Service Charges — current pageofficial-service-charge-page · current-charge-schedule-reviewed-scoped-sections · accessed 8 Oct 2026
↗

Plan before applying

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Loan repayment estimate

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One monthly payment₹21,696twenty-one thousand six hundred ninety-six rupees
Interest paid over the full loan₹27,06,939twenty-seven lakh six thousand nine hundred thirty-nine rupees
Everything you repay₹52,06,939fifty-two lakh six thousand nine hundred thirty-nine rupees

This is only an estimate, not a bank or insurer offer. The final amount can change because of taxes, fees, rate changes and provider rules.

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Individual · Project-cost ceiling₹20 lakh; ₹25 lakh for an exceptionally successful individual project

This value is copied from ACABC — project-cost ceilings for subsidy. Check the table notes before relying on it.

Source: Agriclinic and Agribusiness Centres Scheme (ACABC) — PNB scheme · page 1, Project Cost Ceiling for Subsidy table Open official source ↗

Published tables

Complete rates, limits and schedules

Tables preserve every reviewed row and column from the cited official source.

Table 1 · 2 rows · 2 columnsACABC — project-cost ceilings for subsidyView tableHide table

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ACABC — project-cost ceilings for subsidy
Project routeProject-cost ceiling
Individual₹20 lakh; ₹25 lakh for an exceptionally successful individual project
Group₹100 lakh; minimum five individuals
  • These are subsidy project-cost ceilings, not loan-principal ceilings. The loan is separately described as need-based.
Agriclinic and Agribusiness Centres Scheme (ACABC) — PNB scheme · page 1, Project Cost Ceiling for Subsidy table · accessed 3 Oct 2026Open official source ↗
Table 2 · 5 rows · 2 columnsACABC — repayment and composite subsidyView tableHide table

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ACABC — repayment and composite subsidy
ParameterPublished terms
Repayment period5–10 years depending on activity
Maximum grace2 years, decided for individual project needs
Installment frequencyMonthly, quarterly, half-yearly or yearly, according to project income and relevant credit scheme
Back-ended composite subsidy36% of capital cost funded through bank loan
Enhanced subsidy44% for women, SC/ST, other disadvantaged sections, North-Eastern states and hilly states
Agriclinic and Agribusiness Centres Scheme (ACABC) — PNB scheme · page 1, Repayment and composite subsidy · accessed 3 Oct 2026Open official source ↗
Table 3 · 5 rows · 2 columnsPNB agriculture-loan application disposal scheduleView tableHide table

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PNB agriculture-loan application disposal schedule
Credit-limit bandMaximum published time
Up to ₹2 lakh2 weeks
Above ₹2 lakh to ₹50 lakh4 weeks
Above ₹50 lakh to ₹1 crore5–6 weeks
Above ₹1 crore to ₹100 crore6–7 weeks
Above ₹100 crore8–9 weeks
  • The bank labels these as maximum disposal times by credit limit. They are not an assurance of sanction or disbursement.
PNB General Guidelines for Agricultural Credit · Section 1, Time Schedule for Disposal of Loan Applications · accessed 8 Oct 2026Open official source ↗
Table 4 · 5 rows · 2 columnsPNB general agriculture-credit document checklistView tableHide table

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PNB general agriculture-credit document checklist
Document groupPublished checklist detail
ApplicationDuly filled Loan Application Form for Agriculture Credit
IdentitySelf-attested Voter , Aadhaar, passport or other government-issued photo
ResidenceRecent telephone/electricity bill, property-tax receipt (not older than 2 months), or other accepted government/local-authority identity/address proof
PhotographsTwo recent applicant photographs, not older than 6 months
Land recordsParticulars of land records
  • This is PNB's general agriculture-loan checklist, not an exhaustive ACABC//seed-entity application dossier. The linked seven-page PNB 1235 form was inaccessible in this review; do not infer extra requirements from it.
PNB Agricultural Banking — documents required for agriculture loan · Documents Required for Agriculture Loan · accessed 8 Oct 2026Open official source ↗
Table 5 · 5 rows · 2 columnsACABC-specific borrower margin and securityView tableHide table

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ACABC-specific borrower margin and security
Loan amount / topicCurrent published rule
Up to ₹5 lakhNil margin
Above ₹5 lakh25% margin
Back-ended subsidyBorrower still contributes applicable margin under government/bank guidelines
Security up to ₹10 lakhHypothecation of assets created from the loan; no further security
Security above ₹10 lakhTiny-industry norms apply; this guideline page gives no further numerical threshold
  • ACABC's explicit margin bands replace generic production/investment margin bands. Subsidy project-cost ceilings are not loan-principal limits.
PNB General Guidelines for Agricultural Credit · Section 2(ii), ACABC margin; Section 2(iv)(b), back-ended subsidy; Section 3, ACABC security · accessed 8 Oct 2026Open official source ↗
Table 6 · 10 rows · 3 columnsPNB credit-tariff charges that depend on the loan transactionView tableHide table

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PNB credit-tariff charges that depend on the loan transaction
Charge / triggerCurrent published amountApplicability and conditions
General processing feeNo scheme-specific amount in the three The tariff's general processing section excludes schematic and agriculture credit; the linked scheme sheets do not provide a replacement amount.
DocumentationAs per scheme for retail/schematic lendingThe tariff does not quantify the charge for these three schemes; it says documentation is included in processing/upfront fee where those apply.
Inspection/supervisionUp to ₹10 crore: nil; above ₹10 crore: ₹30,000 per yearTariff says quarterly pro-rata recovery; actual official travel/out-of-pocket expenses may be recovered; per borrower entity.
CERSAI security registration/modificationUp to ₹5 lakh: ₹50; above ₹5 lakh: ₹100Only when creating/modifying a security interest; CERSAI search is ₹10; satisfaction/correction is nil.
Legal opinion / NECUp to ₹1 crore: Metro ₹3,000 / Urban-Semi-Urban ₹1,500 / Rural ₹1,000 per property; above ₹1 crore: ₹4,000 / ₹2,500 / ₹1,500Plus actual out-of-pocket expenses; applies when the legal opinion/non-encumbrance certificate is required.
ValuationRealizable asset value ≤₹20 lakh ₹2,000; >₹20–50 lakh ₹3,000; >₹50 lakh–₹1 crore ₹4,000; >₹1–5 crore ₹8,000; >₹5–10 crore ₹12,000; >₹10–50 crore ₹15,000; >₹50 crore ₹25,000Only when the relevant property/fixed asset/plant/equipment valuation is required; bank calculates on realizable value.
Mortgage creation (up to 3 mortgages)Up to ₹10 lakh: nil; >₹10 lakh–₹1 crore: ₹5,000; >₹1–10 crore: ₹15,000; >₹10 crore: ₹25,000; each mortgage above 3 adds ₹1,000Tariff lists exemptions including retail loans, specified registered mortgages, same-level renewal and certain other cases; extra collateral mortgage may be waived case by case.
Term-loan disbursal directly to supplierNo cash-order/draft// issuance chargeApplies when remitting the term-loan disbursement directly to the supplier.
Other out-of-pocket expensesActual expenses unless otherwise specifiedTariff lists registration/modification/satisfaction of ROC charges, postage and similar expenses; only where incurred and not otherwise specified.
All listed chargesTaxes extra unless stated otherwiseThe 01 October 2026 page shows existing charges and separately lists changes effective 01 November 2026; this table uses only the existing-charge column as of 08 October 2026.
  • These are conditional tariff amounts, not fixed charges owed by every borrower. Whether a charge arises depends on borrower type, facility, collateral and work actually performed. ACABC loans up to ₹10 lakh have a specific no-further-security rule; a mortgage fee should not be implied for that case.
PNB Credit Related Service Charges — current existing charges · Sections 3, 6.1, 7.1, 10.15 and 11.1, 11.4–11.8 · accessed 8 Oct 2026Open official source ↗
Table 7 · 6 rows · 2 columnsPNB takeover prepayment/foreclosure rules and borrower exemptionsView tableHide table

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PNB takeover prepayment/foreclosure rules and borrower exemptions
Borrower / facility / eventCharge or waiver
Non-individual term-loan borrower shifts to another bank/FI2% of the amount prepaid
Non-individual CC/ closed before due date for takeover2% of sanctioned limit
CC/ closed on due dateNo charge when written notice of non-renewal is given at least 3 months before the due date
Floating-rate loan to individual for non-business purposeNo prepayment charge
Floating-rate business-purpose loan to individual or No prepayment charge
Other listed exemptions borrower; microfinance loan other than to an -; qualifying fixed-to-floating reset; prepayment from own sources; specified spread/rate-reset takeovers within stated notice periods; bank-initiated closure for listed reasons; advances against the bank's own deposits/liquid securities within the stated scope
  • This is a conditional takeover tariff, not a universal early-repayment penalty. Product applicability depends on borrower classification and facility/rate type.
PNB Credit Related Service Charges — current existing charges · Section 10.15(a)–(c), takeover prepayment/foreclosure and exceptions · accessed 8 Oct 2026Open official source ↗

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