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PNB Financing to Farmers / Producers under Contract Farming

Working-capital and/or term finance for a farmer or producer growing specified crops or commodities under a forward agreement with a buyer.

Maximum financeNeed-based, subject to the borrower's eligibility under PNB's extant guidelines; the scheme sheet gives no fixed numeric maximum.Facility typeTerm loan and/or working capital.
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Quick eligibility check

PNB Financing to Farmers / Producers under Contract Farming

0 of 7 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.

1Are you this type of customer: Individual farmers/producers willing to produce the specified crops or commodities in a forward agreement between buyer and farmer?

Published source: Eligible applicants

2Do you meet this requirement: borrower eligibility must also meet PNB's extant guidelines?

Published source: Eligible applicants

3Do you meet this requirement: PNB does not call it an exhaustive contract-farming checklist?

Published source: Documents

4Are you this type of customer: The applicant must be the individual farmer or producer identified in the buyer-farmer forward agreement for the specified crop or commodity?

5Do you meet this requirement: borrower eligibility remains subject to PNB's extant guidelines?

6Document checkDo you have this required document or proof: PNB's general agriculture-loan checklist includes an application form, identity and residence proof, two photographs not older than six months, and land-record particulars. PNB does not label this as an exhaustive contract-farming checklist?

Published source: Documents

7Document checkDo you have this required document or proof: application form, identity proof, residence proof, two photographs not older than six months and land-record particulars?

Published source: Documents
0 of 7 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 typeTerm loan and/or working capital.View source
The scheme explicitly offers either or both facilities according to requirement.
Source
Contract Farming Arrangement Scheme
Page / section
page 1, Nature of Facility
Accessed
6 Oct 2026
Confidence
high
Open official source ↗
PurposeWorking-capital and/or term credit for an individual farmer/producer identified to produce specified crops or commodities under a buyer-farmer forward agreement.View source
The purpose is tied to production of the crop/commodity identified in the buyer-farmer forward agreement.
Source
Contract Farming Arrangement Scheme
Page / section
page 1, Purpose
Accessed
6 Oct 2026
Confidence
high
Open official source ↗
Eligible applicantsIndividual farmers/producers willing to produce the specified crops or commodities in a forward agreement between buyer and farmer; borrower eligibility must also meet PNB's extant guidelines.View source
The names both the forward-agreement crop condition and extant borrower eligibility.
Source
Contract Farming Arrangement Scheme
Page / section
page 1, Target Group and Extent of Loan
Accessed
6 Oct 2026
Confidence
high
Open official source ↗
Maximum financeNeed-based, subject to the borrower's eligibility under PNB's extant guidelines; the scheme sheet gives no fixed numeric maximum.View source
PNB says need-based and subject to borrower eligibility; no numeric ceiling is printed.
Source
Contract Farming Arrangement Scheme
Page / section
page 1, Extent of Loan
Accessed
6 Oct 2026
Confidence
high
Open official source ↗
Primary security and collateralPrimary security: hypothecation of the crop or assets created from the bank loan. Collateral is nil up to ₹3 lakh; above ₹3 lakh, prevailing bank guidelines apply.View source
The collateral-free level is ₹3 lakh, not a maximum loan amount.
Source
Contract Farming Arrangement Scheme
Page / section
page 1, Security and collateral table
Accessed
6 Oct 2026
Confidence
high
Open official source ↗
Application decision timePNB's general agriculture guideline publishes maximum disposal times by credit limit: up to ₹2 lakh, 2 weeks; above ₹2–50 lakh, 4 weeks; above ₹50 lakh–₹1 crore, 5–6 weeks; above ₹1–100 crore, 6–7 weeks; above ₹100 crore, 8–9 weeks.View source
This is the published bank-wide maximum timetable, not a guaranteed individual sanction time.
Source
General Guidelines for Agricultural Credit
Page / section
Section 1, Time Schedule for Disposal of Loan Applications
Accessed
6 Oct 2026
Confidence
high
Open official source ↗
DocumentsPNB's general agriculture-loan checklist asks for an application form, identity proof, residence proof, two photographs not older than six months and land-record particulars. PNB does not call it an exhaustive contract-farming checklist.View source
Bank-wide checklist retained with a clear non-exhaustive scope note.
Source
PNB Agricultural Banking — document checklist
Page / section
Documents Required for Agriculture Loan
Accessed
3 Oct 2026
Confidence
medium
Open official source ↗

Benefits and features

  • Need-based working-capital and/or term-loan facility
  • The scheme sheet states nil collateral up to ₹3 lakh; above that, collateral follows prevailing bank guidelines

Eligibility

  • The applicant must be the individual farmer or producer identified in the buyer-farmer forward agreement for the specified crop or commodity; borrower eligibility remains subject to PNB's extant guidelines.

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

Documents the bank lists

  • PNB's general agriculture-loan checklist includes an application form, identity and residence proof, two photographs not older than six months, and land-record particulars. PNB does not label this as an exhaustive contract-farming checklist.

Related official documents

PNB Agriculture Loan Schemes catalogueofficial-product-catalogue-page · current · accessed 6 Oct 2026
↗
PNB Credit Related Service Charges — agriculture-credit scheduleofficial-service-charge-schedule · latest-reviewed-agriculture-specific-schedule · accessed 6 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
↗
Scheme for Financing to Farmers/Producers under Contract Farming Arrangementofficial-scheme-pdf · current-catalogue-linked-scheme-sheet · accessed 6 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.

Use the published table

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Purpose · Published termWorking-capital and/or term credit for specified-crop/commodity production under buyer-farmer forward agreement

This value is copied from PNB contract-farming finance — complete scheme terms. Check the table notes before relying on it.

Source: Contract Farming Arrangement Scheme · page 1, complete scheme and collateral 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 · 7 rows · 2 columnsPNB contract-farming finance — complete scheme termsFull one-page scheme sheet, with the source collateral table transcribed as two separate thresholds.View tableHide table

Scroll sideways to view every column

PNB contract-farming finance — complete scheme terms
Scheme itemPublished term
PurposeWorking-capital and/or term credit for specified-crop/commodity production under buyer-farmer forward agreement
Target groupIndividual farmer/producer named for the specified crop/commodity in the forward agreement
FacilityTerm loan and/or working capital
AmountNeed-based, subject to borrower eligibility under extant bank guidelines
Primary securityHypothecation of crop/assets created from the bank loan
Collateral up to ₹3 lakhNil
Collateral above ₹3 lakhAs per prevailing PNB guidelines
  • page 1 visually checked; the collateral-free threshold is not a maximum-loan amount.
Contract Farming Arrangement Scheme · page 1, complete scheme and collateral table · accessed 6 Oct 2026Open official source ↗
Table 2 · 5 rows · 2 columnsPNB agriculture-loan application disposal timetableThe official general guideline's maximum disposal times by credit limit; this is not a guaranteed individual decision time.View tableHide table

Scroll sideways to view every column

PNB agriculture-loan application disposal timetable
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 schedule is a bank-wide agriculture-credit guideline; it does not promise an individual sanction date.
General Guidelines for Agricultural Credit · Section 1, Time Schedule for Disposal of Loan Applications · accessed 6 Oct 2026Open official source ↗
Table 3 · 3 rows · 3 columnsPNB current rate schedule scope checked for five agriculture schemesThe current rate page was checked to prevent generic agriculture bands, which exclude schematic lending, from being assigned to these specific products.View tableHide table

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PNB current rate schedule scope checked for five agriculture schemes
Rate sectionPublished scopeApplication to these schemes
Agriculture advancesGeneric rate table explicitly excludes schematic lendingNo generic agricultural rate assigned
Named specific schemesThe current page lists specific scheme rates by scheme nameNone of these five products is named in the reviewed rows
/ base ratesPublished separately, effective 01 October 2026A base benchmark alone does not establish an individual scheme rate
  • Current page's Agriculture Advances and all named specific-scheme sections were reviewed. The generic schematic exclusion means no rate is inferred.
PNB Interest Rates on Advances — current agriculture and specific-scheme rates · Agriculture Advances and named specific-scheme sections; / effective 01 October 2026 · accessed 6 Oct 2026Open official source ↗

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