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PNB Loan for Farm House Construction

PNB finances construction or repair of a farmhouse and related agricultural utility structures, with a construction ceiling of ₹15 lakh, repair cap of ₹5 lakh within that overall ceiling, 20% margin, and repayment capped by 20 years or age 70 for construction.

Maximum financeConstruction: need-based up to ₹15 lakh. Repair: up to ₹5 lakh, included within the combined ₹15 lakh scheme ceiling. Final quantum depends on income flow and repayment capacity; the borrower funds the gap between project cost and eligible loan.Maximum amountConstruction finance up to ₹15 lakh and repair finance up to ₹5 lakh, with both included within a combined ₹15 lakh ceilingRepaymentConstruction: up to 20 years or until borrower age 70, whichever is earlier. Repairs: up to 5 years or until age 70, whichever is earlier.
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Quick eligibility check

PNB Loan for Farm House Construction

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: Fresh and existing owner-cultivators may apply?

Published source: Eligibility

2Do you meet this requirement: Existing borrowers need a satisfactory 3-year PNB track record and no overdue on any loan?

Published source: Eligibility

3Do you meet this requirement: A fresh borrower must also be sanctioned a KCC and mortgage the entire land to PNB?

Published source: Eligibility

4Do you meet this requirement: The land portion must have independent access?

Published source: Eligibility

5Does your annual income meet this requirement: the applicant needs adequate utility for the proposed construction and sufficient disposable income from agriculture and other sources?

Published source: Eligibility

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 it an exhaustive farmhouse-scheme 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 typeAgriculture term loan for farm-house construction or repair.View source
The scheme provides construction and repair finance with staged repayment periods.
Source
Farm House Construction Scheme
Page / section
page 1, title and Extent of Loan
Accessed
6 Oct 2026
Confidence
high
Open official source ↗
PurposeBuild farm utility structures such as livestock sheds, drying yards, grading/sorting yards, processing sheds, produce storage and farm machinery/implement facilities, as well as a dwelling structure; or repair an existing farmhouse.View source
Both construction and repair purposes and the examples of utility structures are retained.
Source
Farm House Construction Scheme
Page / section
page 1, Purpose a–b
Accessed
6 Oct 2026
Confidence
high
Open official source ↗
EligibilityFresh and existing owner-cultivators may apply. Existing borrowers need a satisfactory 3-year PNB track record and no overdue on any loan. A fresh borrower must also be sanctioned a KCC and mortgage the entire land to PNB. The land portion must have independent access; the applicant needs adequate utility for the proposed construction and sufficient disposable income from agriculture and other sources; a co-obligant may be considered; repayment must end by age 70; and the structure must not hinder existing, future or allied agriculture.View source
All eight eligibility subclauses, including the joint-owner age rule, are retained in the product terms table.
Source
Farm House Construction Scheme
Page / section
page 1, Eligibility a–h
Accessed
6 Oct 2026
Confidence
high
Open official source ↗
Maximum financeConstruction: need-based up to ₹15 lakh. Repair: up to ₹5 lakh, included within the combined ₹15 lakh scheme ceiling. Final quantum depends on income flow and repayment capacity; the borrower funds the gap between project cost and eligible loan.View source
The repair cap is not added on top of the overall ₹15 lakh ceiling.
Source
Farm House Construction Scheme
Page / section
page 1, Extent of Loan and Notes a–b
Accessed
6 Oct 2026
Confidence
high
Open official source ↗
Net take-home requirementAfter the proposed scheme instalment, net take-home must be at least 40% of gross annual income and at least ₹1.5 lakh per year.View source
This is a net-take-home requirement after the proposed , not a gross-salary threshold.
Source
Farm House Construction Scheme
Page / section
page 1, Extent of Loan, Note c
Accessed
6 Oct 2026
Confidence
high
Open official source ↗
Purpose-specific limitsRepair finance is capped at ₹5 lakh; construction plus repair together cannot exceed ₹15 lakh.View source
Repair sub-limit remains inside the combined cap.
Source
Farm House Construction Scheme
Page / section
page 1, Extent of Loan, Notes a–b
Accessed
6 Oct 2026
Confidence
high
Open official source ↗
Margin20% of the estimated construction or repair cost.View source
The scheme explicitly sets margin at 20% for construction/repair.
Source
Farm House Construction Scheme
Page / section
page 1, Margin
Accessed
6 Oct 2026
Confidence
high
Open official source ↗
RepaymentConstruction: up to 20 years or until borrower age 70, whichever is earlier. Repairs: up to 5 years or until age 70, whichever is earlier.View source
Construction and repair repayment are separate; each is also age-capped.
Source
Farm House Construction Scheme
Page / section
page 1, Repayment a–b
Accessed
6 Oct 2026
Confidence
high
Open official source ↗
Security conditionFor a fresh borrower, PNB says a KCC must be sanctioned alongside the farmhouse loan and the entire land must be mortgaged to the bank. The PDF does not give a separate security rule for every borrower case.View source
The land-mortgage condition is confined to the fresh-borrower clause.
Source
Farm House Construction Scheme
Page / section
page 1, Eligibility clause a
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 a 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. It is not labelled an exhaustive farmhouse-specific list.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 ↗
Maximum amountConstruction finance up to ₹15 lakh and repair finance up to ₹5 lakh, with both included within a combined ₹15 lakh ceilingView source
The manually reviewed product summary states: “Construction finance up to ₹15 lakh and repair finance up to ₹5 lakh, with both included within a combined ₹15 lakh ceiling”.
Source
PNB Loan for Farm House Construction — official product page
Page / section
Published loan terms in product summary
Accessed
6 Oct 2026
Confidence
high
Open official source ↗

Benefits and features

  • Construction finance up to ₹15 lakh and repair finance up to ₹5 lakh, with both included within a combined ₹15 lakh ceiling
  • Construction repayment up to 20 years or age 70, whichever is earlier; repairs up to 5 years or age 70, whichever is earlier

Eligibility

  • Fresh and existing owner-cultivators may apply. Existing borrowers need a satisfactory 3-year PNB track record and no overdue on any loan; fresh borrowers must also receive a and mortgage the entire land to PNB.
  • The site needs independent access and adequate utility for the construction. A co-obligant may be considered. Repayment must end by age 70; for joint owners, at least one owner must be able to repay by that age.
  • The applicant needs sufficient disposable income from agriculture and other sources, and construction must not hinder existing, future or allied agricultural activity.
  • Net take-home after the proposed instalment must be at least 40% of gross annual income and not less than ₹1.5 lakh per year.

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 it an exhaustive farmhouse-scheme 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
↗
PNB Credit Related Service Charges — current pageofficial-service-charge-page · current-charge-schedule-reviewed-scoped-sections · accessed 8 Oct 2026
↗
Scheme for Financing Loan for Farm House Constructionofficial-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

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Purpose — construction · Published termFarm structures on agricultural land for livestock sheds, drying/grading/sorting yards, processing sheds, produce storage, machinery/implements/equipment, and dwelling structures

This value is copied from PNB Farm House Construction — complete scheme terms. Check the table notes before relying on it.

Source: Farm House Construction Scheme · page 1, complete scheme from Purpose through Repayment Open official source ↗

Published tables

Complete rates, limits and schedules

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

Table 1 · 19 rows · 2 columnsPNB Farm House Construction — complete scheme termsStructured transcription of every clause on the complete one-page scheme sheet.View tableHide table

Scroll sideways to view every column

PNB Farm House Construction — complete scheme terms
Scheme itemPublished term
Purpose — constructionFarm structures on agricultural land for livestock sheds, drying/grading/sorting yards, processing sheds, produce storage, machinery/implements/equipment, and dwelling structures
Purpose — repairRepair of an existing farmhouse structure
Eligible borrowersFresh and existing owner-cultivators
Existing borrower track recordSatisfactory 3-year relationship with PNB
Fresh borrower condition must also be sanctioned and the entire land mortgaged to PNB
Plot accessIndependent approach/access required
Existing-loan arrearsExisting borrowers must have no overdue in any loan
Project utilityApplicant must have adequate utility for the construction; a co-obligant may be considered
Repayment ageRepayment with interest must end by age 70; where joint owners borrow, at least one must be able to repay by age 70
Income sourceSufficient disposable income from agricultural activities and other sources
Agriculture continuityConstruction must not hinder existing, future or allied agriculture
Construction financeNeed-based on project cost/repayment capacity, capped at ₹15 lakh
Repair financeUp to ₹5 lakh
Combined capConstruction plus repair together may not exceed ₹15 lakh
Borrower contributionBorrower funds the difference between project cost and eligible loan amount
Net take-homeAfter proposed scheme instalment: at least 40% of gross annual income and at least ₹1.5 lakh per year
Margin20% of estimated construction/repair cost
Construction repaymentMaximum 20 years or borrower age 70, whichever is lower
Repair repaymentMaximum 5 years or borrower age 70, whichever is lower
  • page 1 visually checked through the last repayment clause. Repair finance is within, not additional to, the combined ₹15 lakh cap. The ₹1.5 lakh condition is net take-home after the proposed instalment, not gross annual income.
Farm House Construction Scheme · page 1, complete scheme from Purpose through Repayment · 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

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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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