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PNB Agriculture Infrastructure Fund Scheme

Term finance for eligible post-harvest infrastructure and community-farming assets, with project-cost-based limits, a published margin schedule and interest subvention on eligible lending.

Interest rateLoans up to ₹2 crore: 6-month MCLR +1%, capped at 9.00% p.a. With PNB's 6-month MCLR at 8.65% from 1 October 2026, the current capped rate is 9.00% p.a. Above ₹2 crore: 1-year MCLR plus a spread linked to internal and external risk ratings.Loan amountNeed-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.Repayment8–10 years including a 6-month to 2-year moratorium, decided case by case based on total project outlay.
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Quick eligibility check

PNB Agriculture Infrastructure Fund Scheme

0 of 3 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.

1Do you meet this requirement: PACS, marketing cooperatives, FPOs, SHGs, JLGs, farmers, multipurpose cooperatives, agri-entrepreneurs, start-ups, and central/state/local agencies or their sponsored PPP projects?

Published source: Eligible borrowers

2Do you meet this requirement: Digitized PACS receive preference?

Published source: Eligible borrowers

3Do you meet this requirement: Eligible post-harvest management and community-farming projects?

0 of 3 answeredAnswer the remaining questions to see your checklist result.
✓ Manually checked 3 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.

Facility typeTerm loan.View source
The scheme describes the facility as a term loan.
Source
Central Sector Scheme for Financing Facility under Agriculture Infrastructure Fund
Page / section
page 1, Nature of facility
Accessed
3 Oct 2026
Confidence
high
Open official source ↗
Eligible project usesPost-harvest infrastructure such as warehouses, silos, pack houses, assaying, sorting/grading, cold chains, logistics, primary processing and ripening chambers; and community-farming assets including organic inputs, bio-stimulants, smart/precision agriculture and crop-cluster or government-sponsored PPP infrastructure.View source
The lists the stated post-harvest and community-farming project types.
Source
Central Sector Scheme for Financing Facility under Agriculture Infrastructure Fund
Page / section
page 1, Eligible projects
Accessed
3 Oct 2026
Confidence
high
Open official source ↗
Eligible borrowersPACS, marketing cooperatives, FPOs, SHGs, JLGs, farmers, multipurpose cooperatives, agri-entrepreneurs, start-ups, and central/state/local agencies or their sponsored PPP projects. Digitized PACS receive preference.View source
The names the eligible beneficiary classes and gives digitized PACS preference.
Source
Central Sector Scheme for Financing Facility under Agriculture Infrastructure Fund
Page / section
page 1, Eligible beneficiaries
Accessed
3 Oct 2026
Confidence
high
Open official source ↗
Loan amountNeed-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.View source
The loan limit is need based; the ₹2 crore figure limits subvention, not the principal amount.
Source
Central Sector Scheme for Financing Facility under Agriculture Infrastructure Fund
Page / section
page 1, Extent of loan and interest subvention
Accessed
3 Oct 2026
Confidence
high
Open official source ↗
Interest rateLoans up to ₹2 crore: 6-month MCLR +1%, capped at 9.00% p.a. With PNB's 6-month MCLR at 8.65% from 1 October 2026, the current capped rate is 9.00% p.a. Above ₹2 crore: 1-year MCLR plus a spread linked to internal and external risk ratings.Effective 1 Oct 2026View source
The scheme gives (6 months)+1% capped at 9%; PNB's rate page gives the current 6-month as 8.65%.
Source
PNB Interest Rates on Advances
Page / section
Agriculture Infrastructure Fund rate row; w.e.f. 01-10-2026
Accessed
3 Oct 2026
Confidence
high
Open official source ↗
Interest subvention3% per year on up to ₹2 crore for a maximum of 7 years. It begins from first disbursement; later years start 1 April. It applies while the account is standard; after an account becomes NPA, subvention resumes only from its upgrade to standard status.View source
The complete subvention conditions are transcribed from the scheme sheet.
Source
Central Sector Scheme for Financing Facility under Agriculture Infrastructure Fund
Page / section
pages 1–2, Interest subvention
Accessed
3 Oct 2026
Confidence
high
Open official source ↗
Borrower marginUp to ₹2 crore: 10% of project cost; above ₹2 crore to ₹10 crore: 15%; above ₹10 crore: 25%.View source
All three project-cost bands in the margin table are retained.
Source
Central Sector Scheme for Financing Facility under Agriculture Infrastructure Fund
Page / section
page 2, Margin table
Accessed
3 Oct 2026
Confidence
high
Open official source ↗
Repayment8–10 years including a 6-month to 2-year moratorium, decided case by case based on total project outlay.View source
Repayment period includes the moratorium and is determined case by case.
Source
Central Sector Scheme for Financing Facility under Agriculture Infrastructure Fund
Page / section
page 2, Repayment period
Accessed
3 Oct 2026
Confidence
high
Open official source ↗
BenchmarkUp to ₹2 crore: 6-month MCLR +1%, capped at 9.00% p.a.; above ₹2 crore: 1-year MCLR plus the published internal/external risk-rating spread.Effective 1 Oct 2026View source
The bank page sets 6-month +1% with a 9% cap through ₹2 crore, then 1-year pricing with a spread selected from the published internal/external risk-rating matrix.
Source
PNB Interest Rates on Advances
Page / section
sections 2.2.1–2.2.2; current table effective 01-10-2026
Accessed
6 Oct 2026
Confidence
high
Open official source ↗
Geographic limitsPACS, marketing cooperatives, FPOs, SHGs, JLGs, farmers, multipurpose cooperatives, agri-entrepreneurs, start-ups, and central/state/local agencies or their sponsored PPP projects. Digitized PACS receive preference.View source
The manually reviewed product record states: “PACS, marketing cooperatives, , , , farmers, multipurpose cooperatives, agri-entrepreneurs, start-ups, and central/state/local agencies or their sponsored PPP projects. Digitized PACS receive preference.”.
Source
PNB Agriculture Infrastructure Fund Scheme — official product page
Page / section
Published product metadata
Accessed
3 Oct 2026
Confidence
high
Open official source ↗

Benefits and features

  • 3% annual interest subvention on up to ₹2 crore for up to 7 years, subject to account-standard conditions
  • Repayment period of 8–10 years including a case-specific 6-month to 2-year moratorium

Eligibility

  • Eligible post-harvest management and community-farming projects; digitized PACS receive preference.

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

Related official documents

Central Sector Scheme for Financing Facility under Agriculture Infrastructure Fundofficial-agriculture-scheme-pdf · current · accessed 3 Oct 2026
↗
PNB Interest Rates on Advances — current agriculture and specific-scheme ratesofficial-rate-table · current · accessed 6 Oct 2026
↗

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Loan repayment estimate

See what the loan could cost each month. Move any slider to try a different amount, rate or repayment time.

One monthly payment₹22,493twenty-two thousand four hundred ninety-three rupees
Interest paid over the full loan₹28,98,356twenty-eight lakh ninety-eight thousand three hundred fifty-six rupees
Everything you repay₹53,98,356fifty-three lakh ninety-eight thousand three hundred fifty-six 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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Eligible applicants · Published termsPACS; marketing cooperatives; ; ; ; farmers; multipurpose cooperatives; agri-entrepreneurs; start-ups; central/state/local agency or sponsored PPP projects

This value is copied from — eligible applicants and project types. Check the table notes before relying on it.

Source: Central Sector Scheme for Financing Facility under Agriculture Infrastructure Fund · page 1, Objective, Eligible beneficiaries and Eligible projects Open official source ↗

Published tables

Complete rates, limits and schedules

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

Table 1 · 4 rows · 2 columnsAIF — eligible applicants and project typesView tableHide table

Scroll sideways to view every column

AIF — eligible applicants and project types
GroupPublished terms
Eligible applicantsPACS; marketing cooperatives; ; ; ; farmers; multipurpose cooperatives; agri-entrepreneurs; start-ups; central/state/local agency or sponsored PPP projects
PreferencePACS that have digitized operations
Post-harvest projectsE-marketing/supply-chain services; warehouses; silos; pack houses; assaying; sorting/grading; cold chains; logistics; primary processing; ripening chambers
Community-farming assetsOrganic-input or bio-stimulant production; smart/precision agriculture; crop/export-cluster supply-chain infrastructure; government/agency-sponsored PPP assets
  • The scheme objective is medium- to long-term debt finance for viable post-harvest infrastructure and community-farming assets.
Central Sector Scheme for Financing Facility under Agriculture Infrastructure Fund · page 1, Objective, Eligible beneficiaries and Eligible projects · accessed 3 Oct 2026Open official source ↗
Table 2 · 3 rows · 5 columnsAIF — amount basis, rate, margin, subvention and repaymentView tableHide table

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AIF — amount basis, rate, margin, subvention and repayment
Project/loan bandInterest pricingInterest subventionMarginRepayment
Need-based amount from project cost/outlayUp to ₹2 crore: 6-month +1%, maximum 9%; above ₹2 crore: 1-year plus internal/external risk-rating spread3% p.a. on eligible amount up to ₹2 crore, maximum 7 years; account must remain standard; -period support resumes after upgradeUp to ₹2 crore: 10% of project cost8–10 years including 6-month to 2-year moratorium, case by case
Above ₹2 crore to ₹10 croreRating-linked 1-year pricingSubvention remains limited to ₹2 crore15% of project costSame case-specific 8–10-year term
Above ₹10 croreRating-linked 1-year pricingSubvention remains limited to ₹2 crore25% of project costSame case-specific 8–10-year term
  • Current 6-month is 8.65% and 1-year is 8.80%, effective 1 October 2026. The rate for a loan up to ₹2 crore is therefore 9.00% p.a. after applying the scheme cap.
  • The states subvention starts from first disbursement; in following years it is applicable from 1 April to the extent of outstanding loan.
Central Sector Scheme for Financing Facility under Agriculture Infrastructure Fund; PNB Interest Rates on Advances · Scheme pages 1–2; rate page and rows · accessed 3 Oct 2026Open official source ↗
Table 3 · 8 rows · 7 columnsAIF loans above ₹2 crore — spread over 1-year MCLRView tableHide table

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AIF loans above ₹2 crore — spread over 1-year MCLR
Internal risk ratingExternal AAA spreadExternal spreadExternal A spreadExternal BBB spreadExternal BB and below spreadExternal unrated spread
10.20%0.25%0.30%0.40%2.05%0.55%
20.20%0.30%0.35%0.45%2.10%0.60%
30.55%0.65%0.75%0.85%2.45%1.00%
41.10%1.15%1.20%1.30%3.00%1.45%
51.60%1.65%1.70%1.80%3.50%1.95%
62.50%2.60%2.95%3.55%4.40%3.80%
74.40%4.45%4.85%5.00%5.00%5.00%
85.00%5.00%5.00%5.00%5.00%5.00%
  • For loans above ₹2 crore, the page links pricing to 1-year plus the spread selected by internal and external risk ratings.
  • The source's row 8 is a single 5.00 cell spanning the six external-rating columns; the six repeated display values preserve that merged-cell scope.
  • This is a spread schedule, not an absolute borrower quote. The applicable , assessment and sanction terms still determine the rate.
PNB Interest Rates on Advances · Agriculture Infrastructure Fund, section 2.2.2, spread matrix for loans above ₹2 crore; page table effective 01-10-2026 · accessed 6 Oct 2026Open official source ↗

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