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PNB Differential Rate of Interest (DRI) Scheme

Concessional 4% p.a. credit for productive activities, subject to small-landholding and low family-income limits. The scheme requires no collateral or third-party guarantee.

Interest rate4% p.a.Facility typeConcessional loan for a productive or gainful activityMarginNil
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Quick eligibility check

PNB Differential Rate of Interest (DRI) Scheme

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.

1Do you meet this requirement: Applicant must own no land, or hold no more than 1 acre irrigated or 2.5 acres un-irrigated?

Published source: Eligible borrowers

2Do you meet this requirement: eligible SC/ST borrowers may apply irrespective of landholding if other criteria are met?

Published source: Eligible borrowers

3Does your annual income meet this requirement: Family income from all sources must not exceed ₹18,000/year in rural areas or ₹24,000/year in urban/semi-urban areas?

Published source: Eligible borrowers

4Do you meet this requirement: Beneficiary should largely work personally/with family and should have no other finance source while the DRI loan exists?

Published source: Eligible borrowers

5Do you meet this requirement: This is not a DRI-specific exhaustive list?

Published source: Documents

6Document checkDo you have this required document or proof: PNB's general agriculture checklist lists a completed application, self-attested identity proof, residence proof, two recent photographs and land-record particulars. The DRI sheet permits landless applicants, so whether land records are relevant must be confirmed for the applicant; this general list is not a DRI-specific exhaustive checklist?

Published source: Documents

7Document checkDo you have this required document or proof: The general PNB agriculture checklist lists a filled agriculture-credit application, self-attested identity proof, residence proof, two recent photographs and land-record particulars?

Published source: Documents
0 of 7 answeredAnswer the remaining questions to see your checklist result.
✓ Manually checked 7 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 typeConcessional loan for a productive or gainful activityView source
The objective is to improve economic conditions of weaker sections through concessional financial assistance for productive and gainful activities.
Source
Differential Rate of Interest (DRI) Scheme
Page / section
page 1, Objective
Accessed
7 Oct 2026
Confidence
high
Open official source ↗
Eligible borrowersApplicant must own no land, or hold no more than 1 acre irrigated or 2.5 acres un-irrigated; eligible SC/ST borrowers may apply irrespective of landholding if other criteria are met. Family income from all sources must not exceed ₹18,000/year in rural areas or ₹24,000/year in urban/semi-urban areas. Beneficiary should largely work personally/with family and should have no other finance source while the DRI loan exists.View source
The ₹18,000/₹24,000 amounts are maximum family-income ceilings, not minimum-income requirements.
Source
Differential Rate of Interest (DRI) Scheme
Page / section
page 1, Eligibility Norms, Land-holding Norms, Income Criteria and Notes
Accessed
7 Oct 2026
Confidence
high
Open official source ↗
Interest rate4% p.a.View source
The sheet publishes 4% p.a. and says DRI interest subsidy was discontinued effective November 2016.
Source
Differential Rate of Interest (DRI) Scheme
Page / section
page 1, Rate of Interest and note on subsidy
Accessed
7 Oct 2026
Confidence
high
Open official source ↗
MarginNilView source
The published margin is NIL.
Source
Differential Rate of Interest (DRI) Scheme
Page / section
page 1, Margin
Accessed
7 Oct 2026
Confidence
high
Open official source ↗
SecurityAssets purchased with the loan may be hypothecated to the bank; no collateral security or third-party guarantee is to be asked.View source
The scheme permits hypothecation of financed assets and prohibits collateral or third-party guarantee requirements.
Source
Differential Rate of Interest (DRI) Scheme
Page / section
page 1, Security
Accessed
7 Oct 2026
Confidence
high
Open official source ↗
DocumentsThe general PNB agriculture checklist lists a filled agriculture-credit application, self-attested identity proof, residence proof, two recent photographs and land-record particulars. This is not a DRI-specific exhaustive list; land-record relevance must be confirmed for landless DRI borrowers.View source
The general page list is disclosed with its limitation and the DRI landless-borrower exception.
Source
PNB Agricultural Banking — documents required for agriculture loan
Page / section
Documents Required for Agriculture Loan
Accessed
7 Oct 2026
Confidence
high
Open official source ↗
Minimum incomeApplicant must own no land, or hold no more than 1 acre irrigated or 2.5 acres un-irrigated; eligible SC/ST borrowers may apply irrespective of landholding if other criteria are met. Family income from all sources must not exceed ₹18,000/year in rural areas or ₹24,000/year in urban/semi-urban areas. Beneficiary should largely work personally/with family and should have no other finance source while the DRI loan exists.View source
The manually reviewed product record states: “Applicant must own no land, or hold no more than 1 acre irrigated or 2.5 acres un-irrigated; eligible SC/ST borrowers may apply irrespective of landholding if other criteria are met. Family income from all sources must not exceed ₹18,000/year in rural areas or ₹24,000/year in urban/semi-urban areas. Beneficiary should largely work personally/with family and should have no other finance source while the DRI loan exists.”.
Source
PNB Differential Rate of Interest (DRI) Scheme — official product page
Page / section
Published product metadata
Accessed
7 Oct 2026
Confidence
high
Open official source ↗

Benefits and features

  • Published interest rate is 4% p.a.
  • No collateral security or third-party guarantee is to be asked

Eligibility

  • Family-income ceilings and landholding rules vary by rural versus urban/semi-urban location; eligible SC/ST borrowers are exempt from the landholding ceiling if other criteria are met.

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

Documents the bank lists

  • PNB's general agriculture checklist lists a completed application, self-attested identity proof, residence proof, two recent photographs and land-record particulars. The DRI sheet permits landless applicants, so whether land records are relevant must be confirmed for the applicant; this general list is not a DRI-specific exhaustive checklist.

Related official documents

PNB Agriculture Credit Schemes catalogueofficial-product-catalogue · current-catalogue-page · accessed 7 Oct 2026
↗
PNB Agriculture Loan Schemes catalogue — current link checkofficial-product-catalogue-page · current-catalogue-link-check · accessed 8 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 7 Oct 2026
↗
PNB Interest Rates on Advances — current agriculture and specific-scheme sectionsofficial-rate-table-page · current-rate-page-reviewed-for-agriculture-schemes · accessed 8 Oct 2026
↗
PNB Credit Related Service Charges — current pageofficial-service-charge-page · current-charge-schedule-reviewed-scoped-sections · accessed 8 Oct 2026
↗
Differential Rate of Interest (DRI) Schemeofficial-scheme-pdf · current-catalogue-linked-scheme-sheet · accessed 7 Oct 2026
↗

Plan before applying

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Loan repayment estimate

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One monthly payment₹15,150fifteen thousand one hundred fifty rupees
Interest paid over the full loan₹11,35,882eleven lakh thirty-five thousand eight hundred eighty-two rupees
Everything you repay₹36,35,882thirty-six lakh thirty-five thousand eight hundred eighty-two 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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Objective · Published termConcessional financial assistance for productive/gainful activities to improve the economic condition of weaker sections.

This value is copied from PNB DRI Scheme — complete published conditions. Check the table notes before relying on it.

Source: Differential Rate of Interest (DRI) Scheme · page 1, all clauses Open official source ↗

Published tables

Complete rates, limits and schedules

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

Table 1 · 12 rows · 2 columnsPNB DRI Scheme — complete published conditionsAll substantive clauses in the one-page DRI scheme sheet, with scheme allocation targets distinguished from individual borrower benefits.View tableHide table

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PNB DRI Scheme — complete published conditions
Scheme itemPublished term
ObjectiveConcessional financial assistance for productive/gainful activities to improve the economic condition of weaker sections.
Branch allocation targetAt least two-thirds of DRI advances should be made through rural and semi-urban branches.
SC/ST allocation targetAt least 40% of total DRI advances should go to eligible SC/ST borrowers.
LandholdingNo land, or at most 1 irrigated acre / 2.5 unirrigated acres.
SC/ST landholding exceptionEligible SC/ST borrowers may qualify regardless of landholding if other eligibility criteria are met.
Maximum family income₹18,000/year in rural areas; ₹24,000/year in urban and semi-urban areas.
Borrower activity / other creditBeneficiary largely works personally and with family help; should not have another finance source while DRI loan exists.
MarginNil.
SecurityFinanced assets may be hypothecated; no collateral security or third-party guarantee is to be asked.
Interest rate4% p.a.
Interest subsidyDiscontinued effective November 2016.
Fixed loan ceiling / tenureNo numeric maximum rupee amount or repayment period is stated on this scheme sheet.
Differential Rate of Interest (DRI) Scheme · page 1, all clauses · accessed 7 Oct 2026Open official source ↗
Table 2 · 5 rows · 2 columnsPNB general agriculture-credit document checklistGeneral PNB checklist only; it is not exhaustive scheme/entity-specific KYC. Land records may not apply to every eligible DRI applicant.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 7 Oct 2026Open official source ↗
Table 3 · 5 rows · 2 columnsPNB agriculture-credit application disposal timelineGeneral PNB agriculture-credit maximum disposal times by applied credit limit; these are not a guaranteed 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 maximum timeline, not a product-specific sanction promise.
PNB General Guidelines for Agricultural Credit · Section 1, Time Schedule for Disposal of Loan Applications · accessed 7 Oct 2026Open official source ↗
Table 4 · 7 rows · 2 columnsPNB early-closure terms relevant to agriculture schemesConditional bank-wide takeover/early-closure schedule; amount depends on borrower type, facility, purpose, rate type and closure route. It is not a blanket scheme fee.View tableHide table

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PNB early-closure terms relevant to 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 due dateNo prepayment charge where written notice of intent not to renew is given 3 months before due date.
Floating-rate loan/advance to an individual for a non-business purposeNo prepayment charge, with or without co-obligants; partial/full prepayment regardless of source of funds and without minimum lock-in.
Floating-rate business loan/advance to an individual or No prepayment charge, with or without co-obligants; partial/full prepayment regardless of source of funds and without minimum lock-in.
Dual/special rate with fixed and floating periodsFloating-rate exemption depends on whether the facility is floating-rate when prepaid.
Other listed exemptionsNo charge for borrowers; microfinance loans except loans to -; eligible fixed-rate loans switched to floating at reset; prepayment from borrower's own sources; specified lender switches after spread/term change or benchmark reset; bank-initiated closure for listed reasons; and loans/advances against PNB deposits/liquid securities sanctioned or renewed on/after 01-01-2026.
  • Check sanction terms and applicable rule; this conditional bank-level schedule does not establish one product-wide prepayment fee.
PNB Credit Related Service Charges — current page · Section 10.15, Pre-Payment/Fore Closure, all clauses and exceptions · accessed 7 Oct 2026Open official source ↗

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