Business, & agriculture finance

PNB Arhatia Scheme

A working-capital overdraft for licensed commission agents/arhatias to advance farm inputs, buy farmers' output and fund post-harvest sorting or grading, up to ₹5 crore.

Facility amountMaximum up to ₹5 crore; the scheme sheet states no minimum amount restriction.Interest rateInternal-risk-linked: minimum RLLR+BSP+0.25 percentage points; maximum is the applicable card rate or RLLR+BSP+5.15 points. The scheme sheet says the rate is as per Bank policy guidelines; the current named PNB rate-page row supplies the numeric bounds. No all-in customer rate is quoted.Customer typeCommission agents/arhatias with a valid licence from a market yard or Board; the scheme states that eligible agents are covered irrespective of location

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✓ Manually checked 8 Oct 2026 · active

Offered byPunjab National Bank

Branches across 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.

PurposeWorking capital for licensed commission agents/arhatias to advance payments to farmers for inputs such as fertiliser, pesticides, seeds, cattle/poultry feed and agricultural implements; buy farmers' output; and carry out post-harvest sorting and grading.View source

The purpose rows name commission-agent working capital, farm inputs, purchase of farm output and post-harvest sorting/grading.

Source: PNB Arhatia Scheme
Page / section: page 1, Purpose/Objective
Accessed: 8 Oct 2026
Confidence: high

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FacilityWorking-capital overdraft.View source

The scheme states overdraft limit for working-capital purpose.

Source: PNB Arhatia Scheme
Page / section: page 1, Type of facility
Accessed: 8 Oct 2026
Confidence: high

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EligibilityCommission agent/arhatia with a valid licence from the market yard or Board; the sheet says eligible agents are covered irrespective of location.View source

The eligibility rows require a valid market-yard/Board licence and state all licensed commission agents/arhatia are covered irrespective of location.

Source: PNB Arhatia Scheme
Page / section: page 1, Eligibility
Accessed: 8 Oct 2026
Confidence: high

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Facility amountMaximum up to ₹5 crore; the scheme sheet states no minimum amount restriction.View source

The sheet caps the loan at ₹5.00 crore and states no minimum amount restriction.

Source: PNB Arhatia Scheme
Page / section: page 1, Maximum Loan Amount and Any Minimum Amount to be Restricted
Accessed: 8 Oct 2026
Confidence: high

Open official source ↗

Validity / renewal12 months, subject to annual renewal.View source

The sheet states 12 months subject to annual renewal.

Source: PNB Arhatia Scheme
Page / section: page 1, Tenure of Loan
Accessed: 8 Oct 2026
Confidence: high

Open official source ↗

MarginN/A in the scheme sheet.View source

The scheme's Margin row is printed as .

Source: PNB Arhatia Scheme
Page / section: page 1, Margin
Accessed: 8 Oct 2026
Confidence: high

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SecurityMortgage residential/commercial property other than agricultural land, with realizable value at least 100% of the advance, belonging to the applicant or guarantor; alternatively pledge NSC/KVP/FDR accrued value or life-policy surrender value of at least 100% of the advance. The sheet also states a personal guarantee of the property owner as per guidelines.View source

Primary security permits eligible residential/commercial property other than agricultural land at at least 100% of advance, or a listed financial instrument at at least 100%; the separate collateral row calls for the owner's personal guarantee as per guidelines.

Source: PNB Arhatia Scheme
Page / section: page 1, Primary Security and Collateral Security
Accessed: 8 Oct 2026
Confidence: high

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BenchmarkCurrent PNB RLLR: 8.35% effective 8 October 2026; Arhatia rate is over RLLR+BSP or subject to card rate. BSP and internal-risk selection are not borrower-specific here.View source

The page displays current 8.35% and its named Arhatia section sets spreads over + with a card-rate alternative.

Source: PNB Interest Rates on Advances — current benchmarks
Page / section: row and section 4.4
Accessed: 8 Oct 2026
Confidence: high

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Interest rateInternal-risk-linked: minimum RLLR+BSP+0.25 percentage points; maximum is the applicable card rate or RLLR+BSP+5.15 points. The scheme sheet says the rate is as per Bank policy guidelines; the current named PNB rate-page row supplies the numeric bounds. No all-in customer rate is quoted.View source

The rate page states internal-risk-linked , minimum ++0.25%, maximum card rate or ++5.15%; the scheme sheet says the rate is as per Bank policy guidelines.

Source: PNB Interest Rates on Advances — current scheme rates
Page / section: Section 4.4, PNB Arhatia Scheme; compare scheme page 1, Rate of Interest
Accessed: 8 Oct 2026
Confidence: high

Open official source ↗

Application documentsThe scheme requires a valid market-yard/Board licence. The linked general PNB MSME checklist also requests business/owner financial and KYC records, existing-bank statements and financial/tax records, subject to confirmation for this agriculture-purpose overdraft. Security records depend on whether the borrower mortgages property or pledges the listed financial instruments.View source

The scheme explicitly requires the valid licence and lists security routes; the catalog-linked general checklist supplies additional records but does not say every item applies to Arhatia.

Source: PNB Arhatia Scheme and PNB checklist
Page / section: Arhatia page 1, Eligibility/Security; general checklist pages 1–2
Accessed: 8 Oct 2026
Confidence: high

Open official source ↗

Geographic limitsBranches across IndiaView source

The manually reviewed product record states: “Branches across India”.

Source: PNB Arhatia Scheme — official product page
Page / section: Published product metadata
Accessed: 8 Oct 2026
Confidence: high

Open official source ↗

Customer typeCommission agents/arhatias with a valid licence from a market yard or Board; the scheme states that eligible agents are covered irrespective of locationView source

The manually reviewed product record states: “Commission agents/arhatias with a valid licence from a market yard or Board; the scheme states that eligible agents are covered irrespective of location”.

Source: PNB Arhatia Scheme — official product page
Page / section: Published product metadata
Accessed: 8 Oct 2026
Confidence: high

Open official source ↗

Benefits and features

No minimum loan amount is prescribed in the scheme sheet
12-month facility subject to annual renewal
Security may be residential/commercial property or specified financial instruments at 100% of the advance

Eligibility

The scheme sheet requires a valid market-yard/Board licence and says commission agents/arhatias are covered irrespective of location.

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

Documents the bank lists

Valid market-yard/Board commission-agent licence, as required by the scheme sheet.
PNB's general linked checklist requests entity/owner asset and liability statements, applicable business/ registrations, six months of existing-bank statements, financial/tax records, current performance/projections, and applicable security-title records; applicability must be confirmed for this agriculture-purpose facility.
The scheme requires security documents for the selected route: mortgage of eligible residential/commercial property or pledge of , , accrued value or life-policy surrender value.

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Amount you want to borrowThe money you would receive from the lender.₹twenty-five lakh rupees₹50,000₹2,00,00,000Yearly interest rateThe percentage charged on the outstanding loan each year.%2%30%Time to repayA longer time usually lowers the monthly payment but raises total interest. months6 months360 months

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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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.

TableParameter

Purpose · Published termWorking capital to advance farmers for inputs, purchase their output, and carry out post-harvest sorting/grading

This value is copied from PNB Arhatia — scheme-sheet terms and current rate row. Check the table notes before relying on it.

Source: PNB Arhatia Scheme and current PNB advances-rate page · Arhatia page 1, all rows; current rate page section 4.4 Open official source ↗

Published tables

Complete rates, limits and schedules

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

Table 1 · 11 rows · 2 columnsPNB Arhatia — scheme-sheet terms and current rate rowView tableHide table

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PNB Arhatia — scheme-sheet terms and current rate row
Parameter	Published term
Purpose	Working capital to advance farmers for inputs, purchase their output, and carry out post-harvest sorting/grading
Eligibility	Commission agent/arhatia with valid market-yard/Board licence; scheme covers eligible agents irrespective of location
Area of operation	Branches across the country
Facility	Working-capital overdraft
Amount	Up to ₹5 crore; no minimum amount restriction
Margin	in the scheme sheet
Tenure	12 months subject to annual renewal
Primary security	Residential/commercial property other than agricultural land, realizable value at least 100% of advance, belonging to applicant or guarantor; alternatively // accrued value/life-insurance surrender value at least 100% of advance
Collateral security	Personal guarantee of property owner as per guidelines
Interest	Product rate row is blank. Current PNB schedule §4.4: risk-linked; minimum ++0.25%; maximum card rate or ++5.15%
Fees	No scheme-specific fee in the one-page sheet; current general charge page excludes agriculture/schematic lending from its general fee tables, so no generic amount is applied

PNB Arhatia Scheme and current PNB advances-rate page · Arhatia page 1, all rows; current rate page section 4.4 · accessed 8 Oct 2026Open official source ↗

Table 2 · 2 rows · 2 columnsPNB Arhatia — current risk-linked rate boundsView tableHide table

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PNB Arhatia — current risk-linked rate bounds
Rate selection	Published formula
Minimum	++0.25 percentage points
Maximum	Card rate or ++5.15 percentage points

Rate linked to internal risk rating. Current 8.35% effective 8 October 2026; do not calculate an all-in borrower quote without , risk and card-rate selection.

PNB Interest Rates on Advances — current scheme rates · Section 4.4, PNB Arhatia Scheme · accessed 8 Oct 2026Open official source ↗

Table 3 · 25 rows · 3 columnsPNB-linked MSME loan checklist — full published itemsView tableHide table

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PNB-linked MSME loan checklist — full published items
Item	Document / information requested	Condition
1	Asset and liability statement of proprietor/partners/directors	As applicable to the entity
2	SSI/ registration and registration certificates	If applicable
3	Rent agreement for rented business premises; Pollution Control Board clearance	If applicable
4	Applicant should not be a defaulter with any bank/financial institution	Applicant condition in checklist
5	Account statement for the last 6 months with existing bankers	Existing bankers
6	Three years' audited unit balance sheets with income-tax/ returns and applicable assessment orders; provisional balance sheet if latest audited balance sheet is unavailable; projected balance sheet/cash budget for the next two years for working-capital limits and for the loan period for term loans	Financial records and projection periods depend on facility
7	Borrowing concern's year-to-date performance (balance sheet, profit and loss, etc.)	As requested in checklist
8	Information on legal heirs and relationship to applicant	Individual/sole proprietor/partner/ cases
9	Government approvals for power, pollution and building plan; land allotment/conveyance deed; architect certificate validating construction cost; project report with machinery, suppliers, price, capacity, production, sales, profit/loss and balance-sheet projections	Term loans; items depend on project
10	Month-wise sales and production; imported/indigenous raw materials; work-in-progress/finished stock; debtors, creditors and bank working-capital/term/bill-discounting outstanding	Account review information
11	Manufacturing process, executive profiles, tie-ups, raw-material suppliers, buyers, competitors and comparative strengths/weaknesses	Manufacturing/where applicable
12	Top 20 major suppliers and customers, with contact number/address	As requested in checklist
13	Unit profile: promoters/directors, business activity, office/plant addresses and shareholding pattern	As applicable to entity
14	External risk rating copy	If applicable/available for facility
15	Lease/title deeds and approved plans for properties offered as primary/collateral security	Where property security is offered
16	Agreement with principal	Distributors/sole selling agents/franchises
17	Proof of minority status	If applicable (the checklist cites SC/ST/OBC etc.)
18	Borrowing concern and promoters'/directors'/partners' income-tax returns	As requested in checklist
19	Associate/allied concern details and their last three years' financial statements/borrowing arrangements	Where associates/allied concerns exist
20	Other-bank/FI sanction terms and reason for takeover	Takeover cases
21	Existing-bank account position and confirmation that the asset is standard	Takeover cases
22	Orders in hand, status and copies of orders/letters of intent/contracts	Bank-guarantee limit
23	Lease deeds, lease term/unexpired period/renewal/exit/penalty; lessor profile and lessee constitution, management, scale, years, business and profitability	Future-lease-rental discounting only
24	Sanction letters with detailed terms and conditions	Existing sole/multiple/consortium-bank limits
25	Any other document required under prevailing bank guidelines	Bank's residual request

This is the full bank-linked general checklist, not a promise that all 25 items apply to every scheme. Product-specific terms and the sanctioned facility control; items are conditional where shown.

PNB loan documents checklist · pages 1–2, checklist items 1–25 · accessed 8 Oct 2026Open official source ↗

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PNB Arhatia Scheme

What the official sources publish

Benefits and features

Eligibility

Documents the bank lists

Related official documents

Try the numbers

Loan repayment estimate

Find the exact published value

Complete rates, limits and schedules

Related products

PNB Artisan Credit Card

PNB Bill Financing

PNB Compressed Bio Gas (CBG) under SATAT Scheme

PNB Short Term Loan for Corporate Customers