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PNB Bhandaran: Finance Against Physical Warehouse Receipts

Finance against physical warehouse receipts for eligible farmers, food/agro manufacturers and traders. The published amount limits and demand-loan/cash-credit terms differ by borrower segment.

Maximum amount by borrower segmentFarmers: ₹50 lakh; 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.Receipt-linked periodFarmers: 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.Minimum amount by borrower segmentFarmers: ₹0.50 lakh; food/agro-manufacturing borrowers: ₹2 lakh. The food/agro-trading cell contains no amount in the reviewed table.
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PNB Bhandaran: Finance Against Physical Warehouse Receipts

0 of 5 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: Farmers: existing PNB KCC/short-term crop-loan borrowers and original depositors of non-perishable agricultural commodities?

Published source: Eligibility by borrower segment

2Do you meet this requirement: Food/agro manufacturers: existing PNB borrowers with satisfactory credit history and original depositors of non-perishable agricultural commodities?

Published source: Eligibility by borrower segment

3Do you meet this requirement: Udyam registration is not mandatory?

Published source: Eligibility by borrower segment

4Do you meet this requirement: Food/agro traders: existing PNB MSME borrowers with satisfactory credit history (traders, arthiyas, exporters/importers) and original depositors of non-perishable agricultural commodities?

Published source: Eligibility by borrower segment

5Do you meet this requirement: Udyam registration is mandatory?

Published source: Eligibility by borrower segment
0 of 5 answeredAnswer the remaining questions to see your checklist result.
✓ Manually checked 7 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.

Purpose by borrower segmentFarmers: adjust or repay outstanding PNB KCC/short-term crop credit and store produce for a better sale price; food/agro manufacturers: reduce procurement cost and secure raw materials; food/agro traders: store produce and sell at a favourable price.View source
The source table has separate purpose cells for farmer, food/agro-manufacturing and food/agro-trading borrowers.
Source
PNB Bhandaran: Scheme for Financing against Physical Warehouse Receipts
Page / section
page 1, Purpose row
Accessed
7 Oct 2026
Confidence
high
Open official source ↗
Eligibility by borrower segmentFarmers: existing PNB KCC/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 MSME borrowers with satisfactory credit history (traders, arthiyas, exporters/importers) and original depositors of non-perishable agricultural commodities; Udyam registration is mandatory.View source
All three eligibility cells are transcribed separately; Udyam rules differ between manufacturing and trading columns.
Source
PNB Bhandaran: Scheme for Financing against Physical Warehouse Receipts
Page / section
page 1, Eligibility row
Accessed
7 Oct 2026
Confidence
high
Open official source ↗
FacilitiesFarmers: demand loan against each physical Warehouse Receipt (WHR). Food/agro manufacturers: demand loan or cash credit; cash credit is for 12 months subject to annual renewal.View source
The farmer and manufacturer tenure cells explicitly name demand loan; the manufacturer cell also lists 12-month cash credit with annual renewal. The trading cell is blank in the extracted table and is not completed by inference.
Source
PNB Bhandaran: Scheme for Financing against Physical Warehouse Receipts
Page / section
page 1, Tenure of Loan row
Accessed
7 Oct 2026
Confidence
high
Open official source ↗
Minimum amount by borrower segmentFarmers: ₹0.50 lakh; food/agro-manufacturing borrowers: ₹2 lakh. The food/agro-trading cell contains no amount in the reviewed table.View source
The farmer cell states ₹0.50 lakh minimum; the manufacturing cell states ₹2 lakh minimum; no value is supplied in the trading column.
Source
PNB Bhandaran: Scheme for Financing against Physical Warehouse Receipts
Page / section
page 1, Quantum of Loan row
Accessed
7 Oct 2026
Confidence
medium
Open official source ↗
Maximum amount by borrower segmentFarmers: ₹50 lakh; 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.View source
The differentiates the ₹50-lakh farmer limit from the manufacturer's entity-based ceiling/need-based amount. No trading-unit amount is entered in its table.
Source
PNB Bhandaran: Scheme for Financing against Physical Warehouse Receipts
Page / section
page 1, Quantum of Loan row
Accessed
7 Oct 2026
Confidence
medium
Open official source ↗
Receipt-linked periodFarmers: 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.View source
The source specifies that each physical-WHR advance is limited to 12 months and separately specifies annual renewal of the manufacturer's cash-credit limit.
Source
PNB Bhandaran: Scheme for Financing against Physical Warehouse Receipts
Page / section
page 1, Tenure of Loan row
Accessed
7 Oct 2026
Confidence
medium
Open official source ↗
Conditional cash-credit closure chargeFor 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/MSE 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.View source
Section 10.15 applies the 2% sanctioned-limit charge to a non-individual borrower closing CC/ before due date to shift to another bank/FI; its written notice and on-due-date exception and enumerated exemptions remain material.
Source
PNB Credit Related Service Charges — current page
Page / section
Section 10.15, Pre-Payment / Fore Closure of Loan in Case of Take Over; conditions and exemptions
Accessed
7 Oct 2026
Confidence
high
Open official source ↗

Benefits and features

  • Farmers: published finance range ₹0.50 lakh–₹50 lakh.
  • Food/agro manufacturing sole proprietors: published maximum ₹25 crore; other entity forms are need-based.
  • The sheet gives separate facility and receipt-tenure terms for farmer and manufacturing borrowers.

Eligibility

  • Farmer: existing PNB or short-term crop-loan borrower and original depositor of non-perishable agricultural commodities.
  • Food/agro manufacturer: existing PNB borrower with satisfactory credit history, original depositor of non-perishable agricultural commodities; Udyam registration is not mandatory.
  • Food/agro trader: existing PNB borrower with satisfactory credit history (including traders, arthiyas, exporters/importers), original depositor of non-perishable agricultural commodities; Udyam registration is mandatory.

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

Related official documents

PNB Agriculture Credit Schemes catalogueofficial-product-catalogue · current-catalogue-page · accessed 7 Oct 2026
↗
PNB Interest Rates on Advances — current agriculture and specific-scheme ratesofficial-rate-table · current · accessed 7 Oct 2026
↗
PNB Bhandaran: Scheme for Financing against Physical Warehouse Receiptsofficial-scheme-pdf · text-layer-reviewed-visual-and-hash-pending · accessed 7 Oct 2026
↗
PNB Credit Related Services Charges — historical scheme-specific search-index excerptofficial-service-charge-page-historical-index-excerpt · stale-indexed-excerpt-conflicts-with-current-page · accessed 7 Oct 2026
↗
PNB Credit Related Service Charges — current pageofficial-service-charge-page · current-charge-schedule-reviewed-scoped-sections · accessed 8 Oct 2026
↗

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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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Purpose · FarmersRepay/adjust outstanding PNB or short-term crop credit; store produce and sell for a better price

This value is copied from PNB Bhandaran — terms by borrower segment. Check the table notes before relying on it.

Source: PNB Bhandaran: Scheme for Financing against Physical Warehouse Receipts · page 1, complete Parameters 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 · 5 rows · 4 columnsPNB Bhandaran — terms by borrower segmentReconstructed from the complete one-page text layer; visual column alignment remains to be verified against the original PDF.View tableHide table

Scroll sideways to view every column

PNB Bhandaran — terms by borrower segment
Scheme parameterFarmersFood/agro manufacturing unitsFood/agro trading units
PurposeRepay/adjust outstanding PNB or short-term crop credit; store produce and sell for a better priceReduce procurement cost and secure high-quality raw materials for processingStore produce and sell at a favourable price
EligibilityExisting PNB /short-term crop borrower; original depositor of non-perishable agricultural commoditiesExisting PNB borrower with satisfactory credit history; food/agro processor; original depositor of non-perishable agricultural commodities; Udyam registration not mandatoryExisting PNB borrower with satisfactory credit history; traders, arthiyas, exporters/importers; original depositor of non-perishable agricultural commodities; Udyam registration mandatory
Minimum amount₹0.50 lakh₹2 lakh
Maximum amount₹50 lakhSole proprietorship: ₹25 crore; all other listed entity forms: need-based
Facility and tenureDemand loan; each advance against an individual physical WHR must not exceed 12 monthsDemand loan: each physical-WHR advance ≤12 months; cash credit: 12 months subject to annual renewal, with each physical-WHR advance ≤12 months
  • Blank cells are blank in the extracted source table; no amount, facility or tenure is inferred for the food/agro-trading column.
  • The source does not show a numeric interest rate, margin, processing fee or product-specific document checklist.
  • page 1 is fully text-layer reviewed; visual column-layout verification remains open.
PNB Bhandaran: Scheme for Financing against Physical Warehouse Receipts · page 1, complete Parameters table · accessed 7 Oct 2026Open official source ↗
Table 2 · 5 rows · 3 columnsPNB Bhandaran — conditional cash-credit closure chargeOnly the current tariff clause that can conditionally apply to the scheme's published demand-loan/cash-credit facilities; not a blanket fee.View tableHide table

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PNB Bhandaran — conditional cash-credit closure charge
SituationCharge / ruleScope and exceptions
Non-individual borrower shifts a cash-credit/overdraft facility to another bank/FI and closes before due date2% of sanctioned limitTakeover charge under section 10.15; the scheme sheet lists demand loan/cash credit, not term loan.
Cash-credit/overdraft closes on due dateNo charge if written notice of non-renewal was given at least 3 months before the due dateBoth notice and on-due-date closure conditions are required.
Floating-rate exemptionsNo charge for non-business loans to individuals, or business loans to individuals/, with or without co-obligantApplies irrespective of funding source, in part or full, without minimum lock-in; dual/special-rate applicability depends on whether the loan is floating at prepayment.
Other listed exemptionsNo charge for borrowers; microfinance loans except - loans; eligible fixed-rate/reset-to-floating loans; own-source repayment; specified rate-change transfers; bank-initiated closure; and eligible advances against PNB deposits/liquid securitiesRate-change transfer windows: move within 30 days of an upward-spread/terms circular; after an upward benchmark reset, notify within 30 days and shift within 90 days. Own-deposit/liquid-security exemption applies to facilities sanctioned or renewed from 01-01-2026.
Term-loan branchNot mapped to this schemeThe Bhandaran sheet lists demand loan and cash credit; it does not list a term loan.
  • Applicability depends on borrower type, facility, rate type, takeover purpose and notice timing; this is not an unconditional 2% product fee.
PNB Credit Related Service Charges — current page · Section 10.15, Pre-Payment / Fore Closure of Loan in Case of Take Over · accessed 7 Oct 2026Open official source ↗

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