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PNB Cold Storage and Horticulture Storage Finance

Need-based term finance for constructing, expanding or modernizing cold storage and horticulture-produce storage. PNB's linked subsidy sheet predates August 2026 guideline amendment; its current subsidy values and new-application status need confirmation.

Repayment periodUp to 9 years, including a grace period of up to 2 years; repayment depends on project cash flow.Facility typeNeed-based term loan for cold-storage and horticulture-produce storage projects.How the loan amount is setNeed-based; the PNB scheme sheet publishes no numeric loan ceiling.
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Quick eligibility check

PNB Cold Storage and Horticulture Storage Finance

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.

1Do you meet this requirement: Natural person, group of individuals or legal person including partnership firm, trust, cooperative society, registered society, company, SHG, FPO, cooperative, APMC, marketing board/committee, municipal corporation/committee or agro-industries corporation?

Published source: Applicant types

2Do you meet this requirement: Current NHB eligibility amendments dated 21 August 2026 could not be opened?

Published source: Applicant types

3Do you meet this requirement: this is the applicant list from PNB's linked sheet only?

Published source: Applicant types

4Do you meet this requirement: The PNB sheet says an NHB In-Principle Approval (IPA) is mandatory?

Published source: NHB application steps

5Can you provide this required proof: an online application in the prescribed format is required, and a self-certified online-application copy plus necessary documents must reach NHB Head Office within 30 days after online submission?

Published source: NHB application steps

6Document checkDo you have this required document or proof: NHB IPA is mandatory under the linked PNB sheet; online application is required, with a self-certified application copy and necessary documents to reach NHB head office within 30 days of online submission. PNB's general agriculture checklist is not a complete NHB dossier?

Published source: NHB application steps

7Document checkDo you have this required document or proof: The PDF does not enumerate every necessary document?

Published source: NHB application steps

8Document checkDo you have this required document or proof: the current NHB document list is not confirmed after the August 2026 amendment?

Published source: NHB application steps
0 of 8 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 term loan for cold-storage and horticulture-produce storage projects.View source
The sheet says need-based loan and explicitly names a term-loan facility.
Source
Central Sector Scheme for Construction/Expansion/Modernization of Cold Storages and Storages for Horticulture Produce
Page / section
p.1, Extent of Loan and Nature of Facility
Accessed
6 Oct 2026
Confidence
high
Open official source ↗
PurposeConstruction, expansion or modernization of cold storages and storages for horticulture produce to reduce post-harvest losses, particularly for small and marginal farmers.View source
The stated purpose covers construction, expansion and modernization of the specified storage facilities.
Source
Central Sector Scheme for Construction/Expansion/Modernization of Cold Storages and Storages for Horticulture Produce
Page / section
p.1, Purpose
Accessed
6 Oct 2026
Confidence
high
Open official source ↗
Applicant typesNatural person, group of individuals or legal person including partnership firm, trust, cooperative society, registered society, company, SHG, FPO, cooperative, APMC, marketing board/committee, municipal corporation/committee or agro-industries corporation. Current NHB eligibility amendments dated 21 August 2026 could not be opened; this is the applicant list from PNB's linked sheet only.View source
The PNB sheet's applicant list is transcribed, but is not represented as the current eligibility rule after the amendment.
Source
Central Sector Scheme for Construction/Expansion/Modernization of Cold Storages and Storages for Horticulture Produce
Page / section
p.1, Eligibility; current guidelines index dated 21-08-2026 cross-check
Accessed
6 Oct 2026
Confidence
high
Open official source ↗
How the loan amount is setNeed-based; the PNB scheme sheet publishes no numeric loan ceiling.View source
The source states need based; no rupee maximum is printed.
Source
Central Sector Scheme for Construction/Expansion/Modernization of Cold Storages and Storages for Horticulture Produce
Page / section
p.1, Extent of Loan
Accessed
6 Oct 2026
Confidence
high
Open official source ↗
Minimum margin25%View source
The linked PNB sheet states minimum margin 25%; later project-rule changes may affect applicability.
Source
Central Sector Scheme for Construction/Expansion/Modernization of Cold Storages and Storages for Horticulture Produce
Page / section
p.1, Margin
Accessed
6 Oct 2026
Confidence
high
Open official source ↗
Current NHB subsidy statusCurrent percentage, eligibility and fresh-application status are not confirmed. PNB's linked sheet contains older NHB figures; NHB lists an amendment dated 21 August 2026 and a temporary fresh-GoC suspension notice dated 4 September 2026, but the notice and amended guideline text were inaccessible in this review.View source
The official page exposes notice title/date but its view route returns authorization error; no official reopening/extension notice was located on the current list as accessed.
Source
announcement listing — temporary suspension of fresh GoC applications under Schemes 1 and 2
Page / section
Current Announcements, row dated 04-09-2026; scheme-guideline index references amendment dated 21-08-2026
Accessed
6 Oct 2026
Confidence
high
Open official source ↗
NHB application stepsThe PNB sheet says an NHB In-Principle Approval (IPA) is mandatory; an online application in the prescribed format is required, and a self-certified online-application copy plus necessary documents must reach NHB Head Office within 30 days after online submission. The PDF does not enumerate every necessary document; the current NHB document list is not confirmed after the August 2026 amendment.View source
IPA, online application and 30-day document submission are explicit; the actual full document list is not in the PNB sheet.
Source
Central Sector Scheme for Construction/Expansion/Modernization of Cold Storages and Storages for Horticulture Produce
Page / section
p.1, Subsidy clauses (e) and NOTE; guideline-index amendment dated 21-08-2026
Accessed
6 Oct 2026
Confidence
high
Open official source ↗
Repayment periodUp to 9 years, including a grace period of up to 2 years; repayment depends on project cash flow.View source
The sheet says maximum 9 years including 2 years' grace, with repayment based on cash flow.
Source
Central Sector Scheme for Construction/Expansion/Modernization of Cold Storages and Storages for Horticulture Produce
Page / section
p.1, Repayment
Accessed
6 Oct 2026
Confidence
high
Open official source ↗

Benefits and features

  • The PNB scheme sheet links the project to credit-linked back-ended assistance, but current terms must be checked against amended guidelines and fresh-GoC intake status

Eligibility

  • The PNB sheet lists natural persons, groups and multiple legal/entity forms including partnership firms, trusts, cooperatives, societies, companies, , , APMCs/marketing boards and agro-industries corporations.
  • PNB's sheet states a minimum 25% margin and term-loan facility; repayment depends on project cash flow.
  • official index lists a guideline amendment dated 21 August 2026 and a temporary fresh-GoC suspension announcement dated 4 September 2026; full notice/amendment text could not be opened, so current subsidy terms and intake are unresolved.

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

Documents the bank lists

  • IPA is mandatory under the linked PNB sheet; online application is required, with a self-certified application copy and necessary documents to reach head office within 30 days of online submission. PNB's general agriculture checklist is not a complete dossier.

Related official documents

NHB announcement listing — temporary suspension of fresh GoC applications under Schemes 1 and 2official-regulator-announcement-listing · listing-accessible-notice-content-blocked · accessed 6 Oct 2026
↗
NHB scheme guidelines index — amendment dated 21-08-2026official-regulator-guidelines-index · index-accessible-amendment-content-blocked · 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
↗
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
↗
Central Sector Scheme for Construction/Expansion/Modernization of Cold Storages and Storages for Horticulture Produceofficial-scheme-pdf · historical-pnb-sheet;-nhb-guidelines-amended-2026-08 · 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

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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.

Use the published table

Find the exact published value

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Purpose · Published term in PNB sheetConstruct, expand or modernize cold storage and storage for horticulture produce to reduce post-harvest loss, particularly for small/marginal farmers.

This value is copied from PNB Cold Storage Scheme — PNB-linked terms and current-status caveat. Check the table notes before relying on it.

Source: Central Sector Scheme for Construction/Expansion/Modernization of Cold Storages and Storages for Horticulture Produce · p.1, all clauses; status cross-check in separate linked sources Open official source ↗

Published tables

Complete rates, limits and schedules

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

Table 1 · 13 rows · 2 columnsPNB NHB Cold Storage Scheme — PNB-linked terms and current-status caveatFull transcription of PNB's linked sheet. Its subsidy table is historical: NHB lists an August 2026 guideline amendment and September 2026 temporary new-GoC suspension notice whose full text could not be opened.View tableHide table

Scroll sideways to view every column

PNB NHB Cold Storage Scheme — PNB-linked terms and current-status caveat
Section / casePublished term in PNB sheet
PurposeConstruct, expand or modernize cold storage and storage for horticulture produce to reduce post-harvest loss, particularly for small/marginal farmers.
Eligible applicants in the PNB sheetNatural person, group of individuals or legal person including partnership firm, trust, cooperative society, registered society, company, , , APMC, marketing board/committee, municipal corporation/committee or agro-industries corporation.
Loan extentNeed-based; no numeric loan ceiling stated.
FacilityTerm loan.
Minimum margin in the linked PNB sheet25%; confirm applicability against current /PNB terms.
Historic subsidy — general areaPNB sheet states 35% of project cost.
Historic subsidy — NE/hilly/HMNEH-pattern/scheduled areasPNB sheet states 50% for specified areas/capacity above 5,000 MT; for NE region it states capacity above 1,000 MT.
Technology induction / cold-chain modernizationPNB sheet states subsidy for capacity above 5,000 MT.
Historic subsidy ceilingPNB sheet caps eligible subsidy at the bank-sanctioned term loan amount.
approval and application route in the PNB sheetIPA is mandatory; submit online in prescribed format, then send a self-certified application copy and necessary documents to Head Office within 30 days of online submission.
Credit-link conditionFor credit-linked projects, bank/ term loan must form the project credit component; subsidy is capped at the lending term-loan amount.
RepaymentCash-flow based, up to 9 years including grace up to 2 years.
current amendment/status check index lists an amendment dated 21 August 2026; official announcements list a temporary suspension of fresh GoC applications for Schemes 1 and 2 dated 4 September 2026. Full documents/status after the temporary period were inaccessible; old percentages are not confirmed current.
Central Sector Scheme for Construction/Expansion/Modernization of Cold Storages and Storages for Horticulture Produce · p.1, all clauses; status cross-check in separate linked sources · 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

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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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