IndiaBanks.org · independent research

Personal, home, vehicle & other loans

PNB Estate / Orchard Purchase Loan

Term finance for buying yielding plantation estates or orchards, including eligible stamp duty and registration costs. PNB publishes a maximum of ₹2 crore, minimum 40% margin and repayment within 7–10 years.

Maximum financeUp to ₹2 croreRepayment periodWithin 7–10 yearsFacility typeTerm loan
Official product page ↗Compare category

Quick eligibility check

PNB Estate / Orchard Purchase Loan

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: Only individuals, joint borrowers and proprietorship firms?

Published source: Eligibility

2Do you meet this requirement: The purchaser must meet state agriculturist criteria, have a good track record and relevant experience, be financially sound and able to bring margin and service debt?

Published source: Eligibility

3Do you meet this requirement: Existing yielding estates/orchards are expected?

Published source: Eligibility

4Do you meet this requirement: non-owners may be considered if able to develop the estate on the desired lines and state law permits?

Published source: Eligibility

5Does your annual income meet this requirement: Areca purchases carry state income criteria?

Published source: Eligibility

6Document checkDo you have this required document or proof: PNB's general agriculture checklist lists a completed application, identity proof, residence proof, two recent photographs and land-record particulars; it is not an exhaustive estate-purchase document list?

Published source: General agriculture-credit checklist

7Document checkDo you have this required document or proof: PNB's general agriculture checklist lists a duly completed application, identity proof, residence proof, two recent photographs and land-record particulars?

Published source: General agriculture-credit checklist

8Document checkDo you have at least one of these required documents: The estate scheme sheet does not publish a complete sale/property or borrower-document checklist?

Published source: General agriculture-credit checklist
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 typeTerm loanView source
The sheet names the facility as a term loan.
Source
Scheme for Financing Estate/Orchard Purchase
Page / section
p.1, Nature of Loan
Accessed
6 Oct 2026
Confidence
high
Open official source ↗
PurposePurchase estates/orchards growing coffee, tea, rubber, cardamom, areca, cashew, pepper, coconut or other perennial orchard crops; eligible stamp duty and registration expenses are included.View source
All four purpose clauses are represented, including purchase costs for stamp duty and registration.
Source
Scheme for Financing Estate/Orchard Purchase
Page / section
p.1, Purpose (a–d)
Accessed
6 Oct 2026
Confidence
high
Open official source ↗
EligibilityOnly individuals, joint borrowers and proprietorship firms. The purchaser must meet state agriculturist criteria, have a good track record and relevant experience, be financially sound and able to bring margin and service debt. Existing yielding estates/orchards are expected; non-owners may be considered if able to develop the estate on the desired lines and state law permits. Areca purchases carry state income criteria. Purchaser and seller should normally not be close relatives; total landholding including the purchase must remain within state ceiling limits. The estate/orchard must have potential to absorb substantial developmental credit.View source
The source publishes state-dependent criteria, not a single pan-India income threshold.
Source
Scheme for Financing Estate/Orchard Purchase
Page / section
p.1, Eligibility, all clauses
Accessed
6 Oct 2026
Confidence
high
Open official source ↗
Maximum financeUp to ₹2 croreView source
Maximum loan: Rs. 2.00 crore.
Source
Scheme for Financing Estate/Orchard Purchase
Page / section
p.1, Extent of Loan
Accessed
6 Oct 2026
Confidence
high
Open official source ↗
Minimum margin40%View source
The printed minimum margin is 40%.
Source
Scheme for Financing Estate/Orchard Purchase
Page / section
p.1, Margin
Accessed
6 Oct 2026
Confidence
high
Open official source ↗
Repayment periodWithin 7–10 yearsView source
The sheet says repayment is within 7–10 years.
Source
Scheme for Financing Estate/Orchard Purchase
Page / section
p.1, Repayment
Accessed
6 Oct 2026
Confidence
high
Open official source ↗
General agriculture-credit checklistPNB's general agriculture checklist lists a duly completed application, identity proof, residence proof, two recent photographs and land-record particulars. The estate scheme sheet does not publish a complete sale/property or borrower-document checklist; the general list is not exhaustive.View source
General checklist only; no scheme-specific title-deed/sale document list is supplied by the reviewed sheet.
Source
PNB Agricultural Banking — documents required for agriculture loan
Page / section
Documents Required for Agriculture Loan; scheme-specific document list not stated in
Accessed
6 Oct 2026
Confidence
high
Open official source ↗
General agriculture application-disposal scheduleMaximum published schedule: 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 disposal guidance, not a sanction promise for this estate loan.View source
The complete credit-limit timeline matrix is separately retained in the product's linked table.
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 ↗
Geographic limitsOnly individuals, joint borrowers and proprietorship firms. The purchaser must meet state agriculturist criteria, have a good track record and relevant experience, be financially sound and able to bring margin and service debt. Existing yielding estates/orchards are expected; non-owners may be considered if able to develop the estate on the desired lines and state law permits. Areca purchases carry state income criteria. Purchaser and seller should normally not be close relatives; total landholding including the purchase must remain within state ceiling limits. The estate/orchard must have potential to absorb substantial developmental credit.View source
The manually reviewed product record states: “Only individuals, joint borrowers and proprietorship firms. The purchaser must meet state agriculturist criteria, have a good track record and relevant experience, be financially sound and able to bring margin and service debt. Existing yielding estates/orchards are expected; non-owners may be considered if able to develop the estate on the desired lines and state law permits. Areca purchases carry state income criteria. Purchaser and seller should normally not be close relatives; total landholding including the purchase must remain within state ceiling limits. The estate/orchard must have potential to absorb substantial developmental credit.”.
Source
PNB Estate / Orchard Purchase Loan — official product page
Page / section
Published product metadata
Accessed
6 Oct 2026
Confidence
high
Open official source ↗

Benefits and features

  • Finance may cover qualifying traditional plantation and perennial orchard crops
  • Stamp duty and registration costs involved in the purchase are included in the stated purpose

Eligibility

  • Applicant must satisfy the relevant state's agriculturist rules, have experience and financial capacity, and be able to provide margin and service debt.
  • Existing yielding estates/orchards are normally expected; a non-owner may qualify if able to develop the property and state law permits the purchase.
  • Areca-garden purchases carry the relevant state income criteria; seller and purchaser should normally not be close relatives, and total holding must remain within state land-ceiling norms.

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, identity proof, residence proof, two recent photographs and land-record particulars; it is not an exhaustive estate-purchase document list.

Related official documents

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 Credit Related Service Charges — current pageofficial-service-charge-page · current-charge-schedule-reviewed-scoped-sections · accessed 8 Oct 2026
↗
Scheme for Financing Estate/Orchard Purchase (Estate/Orchard Purchase Loans)official-scheme-pdf · linked-by-current-pnb-catalogue · accessed 6 Oct 2026
↗

Plan before applying

Try the numbers

Private, instant and based on the values you enter.

Try your numbers

Loan repayment estimate

See what the loan could cost each month. Move any slider to try a different amount, rate or repayment time.

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

Choose a table, then pick its row and column. This shows the exact entry published by the bank or insurer without making you scan every cell.

Eligible crops — traditional plantations · Published termCoffee, tea, rubber and cardamom estates/orchards.

This value is copied from PNB Estate / Orchard Purchase — complete published terms. Check the table notes before relying on it.

Source: Scheme for Financing Estate/Orchard Purchase · p.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 · 15 rows · 2 columnsPNB Estate / Orchard Purchase — complete published termsFull transcription of the one-page scheme sheet; includes all purpose, applicant, land-ceiling, loan, margin and repayment clauses.View tableHide table

Scroll sideways to view every column

PNB Estate / Orchard Purchase — complete published terms
Section / casePublished term
Eligible crops — traditional plantationsCoffee, tea, rubber and cardamom estates/orchards.
Eligible crops — otherAreca gardens; cashew, pepper, coconut and other perennial orchard crops.
Purchase costsStamp duty and registration expenses involved in estate/orchard purchase are included.
Eligible borrower typesIndividuals, joint borrowers and proprietorship firms only.
State agriculturist rulesPurchaser must satisfy applicable State Government agriculturist criteria.
Experience and existing propertyGood track record and existing yielding estates/orchards are expected; experienced, financially sound applicants able to bring margin and service debt.
New-to-estate purchaserA non-owner may be considered if able to develop the estate on the desired lines and State law permits purchase.
Areca-garden conditionState agriculturist rules and any State Government income criterion apply.
Related partiesPurchaser(s) and seller(s) should normally not be close relatives.
Land ceilingTotal holding including land being acquired must remain within the relevant State ceiling.
Development potentialEstate/orchard should be able to absorb substantial credit for developmental activities.
Maximum loanUp to ₹2 crore.
FacilityTerm loan.
Minimum margin40%.
RepaymentWithin 7–10 years.
Scheme for Financing Estate/Orchard Purchase · p.1, all clauses · 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

Scroll sideways to view every column

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

Scroll sideways to view every column

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 ↗

More from Punjab National Bank

Related products

PNB Advance against FCNR(B) Deposit

A deposit-backed loan for , generally based on a percentage of an (B) deposit. PNB publishes maturity-based margins, a 1–5-year tenure range, and separate rupee and foreign-currency pricing routes.

View product

PNB Agriclinic and Agribusiness Centres Scheme

Need-based finance for eligible agriculture graduates and other listed candidates setting up farm-advisory clinics or agribusiness service centres.

View product

PNB Agriculture Infrastructure Fund Scheme

Term finance for eligible post-harvest infrastructure and community-farming assets, with project-cost-based limits, a published margin schedule and interest subvention on eligible lending.

View product

PNB Agriculture Marketing Infrastructure (AMI) Finance

Need-based finance for agricultural marketing and post-harvest infrastructure. AMI subsidy applications and new sanctions are in abeyance pending fresh budget allocation; PNB's older linked percentage/cap table is preserved as historical reference, not a currently available benefit.

View product