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PNB Scheme for Financing Dairy Development Programmes

Need-based finance for milch animals, calf rearing, sheds, fodder and milk-processing infrastructure. PNB describes a viable unit as 2 milch animals and links repayment to the lactation period.

Repayment period5 years in monthly or quarterly instalments linked to the lactation period. Cross-bred calf rearing has a 30-month moratorium.Facility typeNeed-based dairy investment finance for animals, calves, sheds, processing facilities and other listed animal-husbandry activities.How the amount is setNeed-based. The sheet describes a unit of 2 milch animals as viable; this is a project-size reference, not a loan amount.
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PNB Scheme for Financing Dairy Development Programmes

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.

1Are you this type of customer: Subsidiary activity: an individual landless agricultural labourer or farmer with dairy experience, adequate fodder supply and animal accommodation?

Published source: Eligibility

2Do you meet this requirement: Main activity: an individual with experience running a commercial dairy farm, accommodation for sheds and arrangements to grow/store fodder and concentrates?

Published source: Eligibility

3Do you meet this requirement: It is not stated to be exhaustive for landless applicants, village cooperatives or entity borrowers?

Published source: General agriculture-credit document checklist

4Do you meet this requirement: Subsidiary dairy applicants may be landless agricultural labourers or farmers with experience, adequate fodder supply and animal accommodation?

5Do you meet this requirement: Dairy as the main activity requires commercial-farm experience, sheds/accommodation and fodder-growing/storage arrangements?

6Document checkDo you have this required document or proof: Duly filled agriculture-credit application?

Published source: General agriculture-credit document checklist

7Document checkDo you have this required document or proof: Self-attested identity proof?

Published source: General agriculture-credit document checklist

8Document checkDo you have this required document or proof: Residence proof?

Published source: General agriculture-credit document checklist

9Document checkDo you have this required document or proof: Two recent applicant photographs not older than six months?

Published source: General agriculture-credit document 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 dairy investment finance for animals, calves, sheds, processing facilities and other listed animal-husbandry activities.View source
All five activities named at the start of the sheet and the detailed finance purposes are preserved in the scheme terms table.
Source
Scheme for Financing Dairy Development Programmes
Page / section
page 1, listed dairy-project activities and Purpose
Accessed
6 Oct 2026
Confidence
high
Open official source ↗
PurposePurchase and maintain milch animals for milk production; construct animal sheds; rear female calves to first lactation; finance listed innovative activities such as cattle breeding/artificial insemination, salvage of dry pregnant cattle and milk processing/chilling/pasteurisation/transport/storage; build village-cooperative milk houses; and develop pastures. The PDF prints an average daily 'mild yield' of 6.5 litres for the described animal criterion; the wording is preserved in the source table rather than silently corrected.View source
The source text prints 'mild yield'; the ambiguity is flagged while retaining its 6.5-litre figure. The sheet also names male-buffalo and fallen-animal central-scheme activities without detail.
Source
Scheme for Financing Dairy Development Programmes
Page / section
page 1, Purpose (a–d)
Accessed
6 Oct 2026
Confidence
high
Open official source ↗
EligibilitySubsidiary activity: an individual landless agricultural labourer or farmer with dairy experience, adequate fodder supply and animal accommodation. Main activity: an individual with experience running a commercial dairy farm, accommodation for sheds and arrangements to grow/store fodder and concentrates.View source
Subsidiary and main-activity applicant conditions are kept separate.
Source
Scheme for Financing Dairy Development Programmes
Page / section
page 1, Eligibility (a–b)
Accessed
6 Oct 2026
Confidence
high
Open official source ↗
How the amount is setNeed-based. The sheet describes a unit of 2 milch animals as viable; this is a project-size reference, not a loan amount.View source
The two-animal figure is a viable unit size, not a minimum or maximum loan value; no rupee ceiling is stated.
Source
Scheme for Financing Dairy Development Programmes
Page / section
page 1, Extent of Loan
Accessed
6 Oct 2026
Confidence
high
Open official source ↗
Repayment period5 years in monthly or quarterly instalments linked to the lactation period. Cross-bred calf rearing has a 30-month moratorium.View source
The repayment mode, lactation link and separate calf-rearing moratorium are retained.
Source
Scheme for Financing Dairy Development Programmes
Page / section
page 1, Repayment
Accessed
6 Oct 2026
Confidence
high
Open official source ↗
Agriculture-loan application disposal timePNB's general agriculture guideline lists maximum times by credit limit: up to ₹2 lakh, 2 weeks; above ₹2 lakh to ₹50 lakh, 4 weeks; above ₹50 lakh to ₹1 crore, 5–6 weeks; above ₹1 crore to ₹100 crore, 6–7 weeks; above ₹100 crore, 8–9 weeks. This is general guidance, not a date promise for an individual dairy application.View source
The complete published credit-limit/time matrix is retained as a linked table; the bank calls these maximum time schedules.
Source
PNB 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 ↗
Conditional takeover/prepayment rulePNB's current schedule lists 2% of the amount prepaid for a non-individual borrower taking over a term loan to move to another bank/FI, and 2% of the sanctioned limit for a non-individual borrower closing CC/OD before due date to shift lenders. It also lists a CC/OD no-charge condition with written non-renewal notice 3 months before due date and multiple borrower/facility-specific exemptions; this is not a blanket dairy-loan charge.View source
The source's 2% rules and exceptions are conditional on borrower type, facility, purpose, rate and closure route.
Source
PNB Credit Related Service Charges — current page
Page / section
Section 10.15, complete takeover/prepayment conditions and exceptions
Accessed
6 Oct 2026
Confidence
high
Open official source ↗

Benefits and features

  • The scheme covers small and commercial ventures, calf rearing to first lactation, animal breeding and milk-processing facilities
  • PNB considers a unit of 2 milch animals viable
  • Repayment: 5 years in monthly or quarterly instalments linked to lactation; 30-month moratorium for cross-bred calf rearing

Eligibility

  • Subsidiary dairy applicants may be landless agricultural labourers or farmers with experience, adequate fodder supply and animal accommodation.
  • Dairy as the main activity requires commercial-farm experience, sheds/accommodation and fodder-growing/storage arrangements.

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

Documents the bank lists

  • Duly filled agriculture-credit application
  • Self-attested identity proof
  • Residence proof
  • Two recent applicant photographs not older than six months
  • Land-record particulars; the general checklist is not stated to be exhaustive for landless applicants, cooperatives or other entities

Related official documents

PNB Agriculture Loan Schemes catalogueofficial-product-catalogue-page · current · 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
↗
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
↗
Scheme for Financing Dairy Development Programmesofficial-scheme-pdf · current-catalogue-linked-scheme-sheet · accessed 6 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

Find the exact published value

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Project activity I — milch animals · Published termFinance for individuals to purchase good-quality high-yield milch animals (cows/buffaloes or cross-bred cows), as a small unit or commercial venture.

This value is copied from PNB Dairy Development Finance — complete published terms. Check the table notes before relying on it.

Source: Scheme for Financing Dairy Development Programmes · page 1, all clauses; Central Sector Schemes cross-check at current PNB scheme index Open official source ↗

Published tables

Complete rates, limits and schedules

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

Table 1 · 15 rows · 2 columnsPNB Dairy Development Finance — complete published termsComplete one-page transcription. Central-scheme names are shown with their source limitation and current-index cross-check.View tableHide table

Scroll sideways to view every column

PNB Dairy Development Finance — complete published terms
Section / casePublished term
Project activity I — milch animalsFinance for individuals to purchase good-quality high-yield milch animals (cows/buffaloes or cross-bred cows), as a small unit or commercial venture.
Project activity II — calf rearingFinance to purchase and rear calves up to first lactation to produce good-quality high-yield cows.
Project activity III — other animal husbandryCattle breeding, salvage of dry pregnant cattle, milk-processing facilities and milk houses.
Project activity IV — central-scheme referenceThe 02-Feb-2023 dairy names a Central Sector Scheme for salvaging/rearing male buffalo calves, but provides no separate terms. PNB's Central Sector Schemes page, last updated 27-Feb-2026, does not list it; not treated here as a currently verified stand-alone scheme.
Project activity V — central-scheme referenceThe 02-Feb-2023 dairy names a Central Sector Scheme for utilization of fallen animals, but provides no separate terms. PNB's Central Sector Schemes page, last updated 27-Feb-2026, does not list it; not treated here as a currently verified stand-alone scheme.
Milch-animal purpose/yield wordingPurchase and maintenance of milch animals for milk production; the prints an average daily 'mild yield' of 6.5 litres or exotic-bred cows. 'Mild' is transcribed as printed and may be a source typo; do not silently change it.
Animal accommodationConstruction of sheds for keeping animals.
Calf rearingRear good-quality female calves through first lactation.
Innovative/processing purposesArtificial-insemination cattle breeding; salvage of dry pregnant cattle; milk chilling and pasteurization plants; transport equipment; milk processing and storage facilities.
Cooperative/pasture purposesConstruction of milk houses by Village Milk Cooperative Societies and development of pastures.
Subsidiary-activity eligibilityIndividual landless agricultural labourer or farmer with experience, adequate fodder supply and accommodation for the animals.
Main-activity eligibilityIndividual with commercial dairy-farm experience, accommodation for sheds, and arrangements to grow/store fodder concentrates.
Loan extent / viable unitNeed-based. A unit of 2 milch animals is considered a viable size; this is not a rupee limit or stated mandatory minimum.
Repayment5 years in monthly or quarterly instalments linked to lactation.
Cross-bred calf-rearing moratorium30 months.
Scheme for Financing Dairy Development Programmes · page 1, all clauses; Central Sector Schemes cross-check at current PNB scheme index · accessed 6 Oct 2026Open official source ↗
Table 2 · 5 rows · 2 columnsPNB agriculture-credit application disposal timelineGeneral PNB agriculture-credit maximum disposal times by applied credit limit; not a promised individual sanction date.View tableHide table

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PNB agriculture-credit application disposal timeline
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
  • Bank-wide guideline; maximum processing timeline, not individual sanction promise.
PNB General Guidelines for Agricultural Credit · Section 1, Time Schedule for Disposal of Loan Applications · accessed 6 Oct 2026Open official source ↗
Table 3 · 7 rows · 2 columnsPNB early-closure terms relevant to these agriculture schemesCurrent bank-wide takeover/early-closure schedule. The charge depends on borrower type, facility, purpose, rate type and closure route; it is not a blanket product charge.View tableHide table

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PNB early-closure terms relevant to these agriculture schemes
CasePublished charge/condition
Non-individual borrower takes over a term loan to shift to another bank/FI2% of the amount being prepaid.
Non-individual borrower closes cash credit/overdraft before due date to shift lenders2% of the sanctioned limit.
Cash credit/overdraft closed on the due dateNo prepayment charge if written notice of intent not to renew is given 3 months before the due date.
Floating-rate loans/advances to individuals for non-business purposesNo prepayment charges, with or without co-obligants; applies to partial or full prepayment regardless of funds source and without a minimum lock-in.
Floating-rate business loans/advances to individuals and No prepayment charges, with or without co-obligants; applies to partial or full prepayment regardless of funds source and without a minimum lock-in.
Dual/special rate with fixed and floating periodsThe floating-rate exemption depends on whether the facility is on floating rate when it is prepaid.
Other stated exemptionsNo charge for borrowers; microfinance loans except loans to -; eligible fixed-rate loans with a reset clause when the borrower chooses floating rate at reset; prepayment from the borrower's own sources; specified lender-switches after a spread/term change or benchmark reset; bank-initiated closure for listed reasons; and loans/advances against PNB's own deposits/liquid securities sanctioned or renewed on/after 01 January 2026.
  • The 2% charge is not applied to every customer or every loan. Check the sanction terms and the full conditions.
PNB Credit Related Service Charges — current page · Section 10.15, Pre-Payment/Fore Closure, all clauses and exceptions · accessed 6 Oct 2026Open official source ↗

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