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PNB Agriculture Marketing Infrastructure (AMI) Finance

Need-based finance for agricultural marketing and post-harvest infrastructure. AMI subsidy applications and new sanctions are in abeyance pending fresh budget allocation; PNB's older linked percentage/cap table is preserved as historical reference, not a currently available benefit.

Facility typeNeed-based finance for eligible agricultural marketing and post-harvest infrastructure projects.How the loan amount is setNeed-based; the PNB scheme sheet states no rupee maximum.
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Quick eligibility check

PNB Agriculture Marketing Infrastructure (AMI) Finance

0 of 9 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: Individuals?

Published source: Eligible applicants

2Do you meet this requirement: groups of farmers/growers and registered FPOs?

Published source: Eligible applicants

3Do you meet this requirement: partnership/proprietary firms, companies and corporations?

Published source: Eligible applicants

4Do you meet this requirement: NGOs and SHGs?

Published source: Eligible applicants

5Do you meet this requirement: cooperatives and cooperative marketing federations?

Published source: Eligible applicants

6Document checkDo you have this required document or proof: PNB's general agriculture checklist lists an application, identity proof, residence proof, two recent photographs and land-record particulars; neither the PNB AMI sheet nor the reviewed general checklist is a complete project/entity-specific AMI application dossier?

Published source: General agriculture-credit checklist

7Document checkDo you have this required document or proof: PNB's general checklist lists a completed application, identity proof, residence proof, two recent photographs and land-record particulars?

Published source: General agriculture-credit checklist

8Document checkDo you have this required document or proof: It is not an exhaustive project/entity-specific AMI document list?

Published source: General agriculture-credit checklist

9Document checkDo you have this required document or proof: the AMI PDF gives no further applicant-document checklist?

Published source: General agriculture-credit checklist
0 of 9 answeredAnswer the remaining questions to see your checklist result.
✓ Manually checked 6 Oct 2026 · active
Offered byPunjab National Bank

See the official bank source for geographic availability.

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 typeNeed-based finance for eligible agricultural marketing and post-harvest infrastructure projects.View source
The source says extent of loan is need-based.
Source
Agriculture Marketing Infrastructure Scheme (AMI)
Page / section
p.1, Extent of Loan
Accessed
6 Oct 2026
Confidence
high
Open official source ↗
Eligible infrastructureMarket-yard auction/loading/unloading/drying/cleaning facilities; supporting infrastructure only with a main project (stand-alone support projects excluded); collection/assembly, drying, cleaning, grading, quality certification, waxing and value addition without changing product form; direct marketing; e-trading, market intelligence and extension; mobile post-harvest grading/packing/testing and reefer or refrigerated vans (but not trucks/vans used as transport vehicles); godowns and stand-alone food-grain silos with loading/unloading/bagging facilities, excluding railway siding.View source
All purpose clauses and the stand-alone support, transport-vehicle and railway-siding exclusions are retained.
Source
Agriculture Marketing Infrastructure Scheme (AMI)
Page / section
p.1, Purpose clauses (a–g)
Accessed
6 Oct 2026
Confidence
high
Open official source ↗
Eligible applicantsIndividuals; groups of farmers/growers and registered FPOs; partnership/proprietary firms, companies and corporations; NGOs and SHGs; cooperatives and cooperative marketing federations; government autonomous/local bodies and Panchayats (municipal corporations excluded for storage projects); and state departments/agencies, APMCs/marketing boards, state warehousing and civil-supplies corporations.View source
Municipal corporations are expressly excluded only for storage infrastructure projects.
Source
Agriculture Marketing Infrastructure Scheme (AMI)
Page / section
p.1, Eligibility clauses (a–f)
Accessed
6 Oct 2026
Confidence
high
Open official source ↗
How the loan amount is setNeed-based; the PNB scheme sheet states no rupee maximum.View source
The sheet says 'Need based' and supplies no overall loan ceiling.
Source
Agriculture Marketing Infrastructure Scheme (AMI)
Page / section
p.1, Extent of Loan
Accessed
6 Oct 2026
Confidence
high
Open official source ↗
General agriculture-credit checklistPNB's general checklist lists a completed application, identity proof, residence proof, two recent photographs and land-record particulars. It is not an exhaustive project/entity-specific AMI document list; the AMI PDF gives no further applicant-document checklist.View source
The general agriculture list and the scheme do not state a complete AMI application dossier.
Source
PNB Agricultural Banking — documents required for agriculture loan
Page / section
Documents Required for Agriculture Loan; AMI p.1–2
Accessed
6 Oct 2026
Confidence
high
Open official source ↗
Geographic limitsIndividuals; groups of farmers/growers and registered FPOs; partnership/proprietary firms, companies and corporations; NGOs and SHGs; cooperatives and cooperative marketing federations; government autonomous/local bodies and Panchayats (municipal corporations excluded for storage projects); and state departments/agencies, APMCs/marketing boards, state warehousing and civil-supplies corporations.View source
The manually reviewed product record states: “Individuals; groups of farmers/growers and registered ; partnership/proprietary firms, companies and corporations; NGOs and ; cooperatives and cooperative marketing federations; government autonomous/local bodies and Panchayats (municipal corporations excluded for storage projects); and state departments/agencies, APMCs/marketing boards, state warehousing and civil-supplies corporations.”.
Source
PNB Agriculture Marketing Infrastructure (AMI) Finance — official product page
Page / section
Published product metadata
Accessed
6 Oct 2026
Confidence
high
Open official source ↗

Benefits and features

  • The PNB sheet covers market-yard common facilities, grading and quality infrastructure, direct marketing, e-trading support and storage projects

Eligibility

  • The PNB sheet lists individuals/groups/, firms and companies, NGOs/, cooperatives, government/autonomous/local bodies, Panchayats and state agencies/APMCs.
  • Stand-alone ancillary/supporting facilities are not assisted; trucks/vans used as transport vehicles are excluded from assistance.
  • says AMI has been in abeyance since 10 June 2025; no new sanctions may be made until fresh budgetary allocation is communicated.

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

Documents the bank lists

  • PNB's general agriculture checklist lists an application, identity proof, residence proof, two recent photographs and land-record particulars; neither the PNB AMI sheet nor the reviewed general checklist is a complete project/entity-specific AMI application dossier.

Related official documents

NABARD Circular 149/GSD-3/2025 — Suspension of Implementation of AMI Sub-Scheme of ISAM till further adviceofficial-regulatory-circular-pdf · current-until-further-advice · accessed 6 Oct 2026
↗
NABARD Shivamogga Potential Linked Credit Plan 2026-27official-nabard-district-credit-plan · current-2026-27-district-reference · accessed 6 Oct 2026
↗
PNB Agriculture Credit Schemes catalogueofficial-product-catalogue · current-catalogue-page · accessed 7 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
↗
Agriculture Marketing Infrastructure Scheme (AMI)official-scheme-pdf · linked-by-current-pnb-catalogue;-subsidy-suspension-applies · accessed 6 Oct 2026
↗
PNB Interest Rates on Advances — current agriculture and specific-scheme ratesofficial-rate-table · current · accessed 6 Oct 2026
↗
PNB Central Sector Schemes pageofficial-scheme-index-page · current · accessed 6 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

Try the numbers

Private, instant and based on the values you enter.

Try your numbers

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₹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.

Use the published table

Find the exact published value

Choose a table, then pick its row and column. This shows the exact entry published by the bank or insurer without making you scan every cell.

Market-yard facilities · Published termCommon facilities such as auction platforms, loading/unloading, drying and cleaning.

This value is copied from PNB AMI — complete published purposes, eligibility and historic subsidy table. Check the table notes before relying on it.

Source: Agriculture Marketing Infrastructure Scheme (AMI) · pp.1–2, all clauses; current status documented separately in linked source record Open official source ↗

Published tables

Complete rates, limits and schedules

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

Table 1 · 18 rows · 2 columnsPNB AMI — complete published purposes, eligibility and historic subsidy tableFull transcription of the two-page PNB scheme sheet. The subsidy values are historical published terms and are not presented as available for new sanctions while AMI remains in abeyance.View tableHide table

Scroll sideways to view every column

PNB AMI — complete published purposes, eligibility and historic subsidy table
Section / project casePublished term
Market-yard facilitiesCommon facilities such as auction platforms, loading/unloading, drying and cleaning.
Ancillary/support infrastructureParking sheds, internal roads, garbage disposal and boundary walls may be included only as supporting components; stand-alone ancillary projects are not assisted.
Collection and post-harvest facilitiesCollection/assembly, drying, cleaning, grading, quality certification, waxing and value addition without changing product form.
Direct marketingInfrastructure to market agricultural commodities from producers to consumers, processors or bulk buyers.
E-trading and market supportE-trading, market intelligence and market-related extension.
Mobile post-harvest infrastructureMobile grading, packing and quality-testing infrastructure, including reefer/refrigerated vans; trucks/vans used as transport vehicles are not eligible for assistance.
Storage infrastructureGodowns and stand-alone food-grain silos with loading/unloading/bagging facilities; railway siding is excluded.
Applicant groupsIndividuals; farmer/grower groups and registered ; partnership/proprietary firms, companies/corporations; NGOs/; cooperatives/federations; government autonomous/local bodies and Panchayats; eligible state departments, APMCs/marketing boards, state warehousing and civil-supplies corporations.
Municipal corporationsExcluded as applicants for storage infrastructure projects.
Loan extentNeed-based; no overall rupee loan ceiling stated.
Historic storage subsidy — NE/Sikkim/A&N/Lakshadweep/hilly areas33.33% of capital project cost; ceiling ₹133.20 lakh.
Historic storage subsidy — specified /Panchayat/women/SC-ST//cooperative categories33.33% of capital cost; ceiling ₹100 lakh.
Historic storage subsidy — other storage beneficiaries25% of capital cost; ceiling ₹75 lakh.
Historic non-storage subsidy — NE/Sikkim/A&N/Lakshadweep/hilly areas33.33% of capital cost; ceiling ₹30 lakh.
Historic non-storage subsidy — specified /Panchayati Raj/women/SC-ST/cooperative categories33.33% of capital cost; ceiling ₹30 lakh.
Historic non-storage subsidy — other beneficiaries25% of capital cost; ceiling ₹25 lakh.
Subsidy adjustment and holding periodLoan repayment is structured so subsidy is adjusted after the full loan component plus interest is liquidated, but not before 5 years from first loan disbursement.
Current AMI programme status Circular 149/GSD-3/2025 states the AMI sub-scheme is in abeyance from 10 June 2025 because the allocated budget was fully used; no new sanctions until fresh budget allocation, and new/pending claims were held. 2026-27 Shivamogga PLP repeats that the scheme remains in abeyance.
Agriculture Marketing Infrastructure Scheme (AMI) · pp.1–2, all clauses; current status documented separately in linked source record · accessed 6 Oct 2026Open official source ↗
Table 2 · 5 rows · 2 columnsPNB agriculture-credit maximum application-disposal scheduleBank-wide maximum schedule by applied credit limit; not a guaranteed individual sanction date.View tableHide table

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PNB agriculture-credit maximum application-disposal schedule
Credit limitMaximum 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 guidance is a maximum disposal schedule, not a promise that a specific loan will be sanctioned within that time.
PNB General Guidelines for Agricultural Credit · Section 1, Time Schedule for Disposal of Loan Applications · accessed 6 Oct 2026Open official source ↗
Table 3 · 5 rows · 2 columnsPNB general agriculture-credit document checklistGeneral agriculture page checklist; it is not complete scheme/entity-specific KYC.View tableHide table

Scroll sideways to view every column

PNB general agriculture-credit document checklist
DocumentPublished checklist item
ApplicationDuly filled agriculture-credit application form.
IdentitySelf-attested identity proof.
ResidenceResidence proof.
PhotographsTwo recent applicant photographs.
LandLand-record particulars.
  • Scheme sheets add or may require scheme-specific and entity-specific documents; do not treat this list as exhaustive.
PNB Agricultural Banking — documents required for agriculture loan · Documents Required for Agriculture Loan · accessed 6 Oct 2026Open official source ↗

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