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PNB Financing to Farmer Producer Companies and Organisations

PNB offers need-based working-capital and term finance through two published routes: an scheme under the Equity Grant and Credit Guarantee Fund framework, and a scheme for registered under any statute.

Maximum financeNeed-based. The PDF does not state an overall numeric loan ceiling. It says FPC loans up to ₹1 crore may qualify for the specified collateral-free credit-guarantee coverage; this is not stated as the scheme's maximum facility amount.RepaymentTerm-loan repayment follows bank guidelines based on purpose and income generation. Working capital runs for 12 months subject to annual renewal/review. Loans against NWR or for member-produce procurement are cleared within 12 months or sale of produce, whichever is earlier. KCC follows extant bank guidelines.Facility typeTerm loan and/or working capital; the sheet also says KCC repayment follows extant bank guidelines.

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✓ 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

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Facility typeTerm loan and/or working capital; the sheet also says KCC repayment follows extant bank guidelines.View source

Both sections specify term loan and/or working capital; Section I also references repayment under existing bank guidelines.

Source: and Finance Scheme
Page / section: pages 1–2, Nature of Facility and Repayment
Accessed: 6 Oct 2026
Confidence: high

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PurposeWorking-capital and/or term finance to meet the financial needs of FPCs/FPOs engaged in agriculture and allied activity.View source

Separate purposes/target groups are preserved for the guarantee route and the registered- route.

Source: and Finance Scheme
Page / section: pages 1–2, Purpose and Target Group
Accessed: 6 Oct 2026
Confidence: high

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EligibilityThe PDF sets out two routes. FPC guarantee coverage up to ₹1 crore requires: registration as an FPC under the named Companies Act provision; member equity; at least 500 individual shareholders; at least 33% small, marginal or landless tenant-farmer shareholders; no individual non-institutional member holding above 5% of equity; an elected/nominated board of at least five with farmer representation and one woman; a management committee; and an 18-month business plan and budget. The second route is for FPOs registered under any statute; the PDF gives no additional criteria in that section.View source

The -specific checklist is kept separate from the broader Section II registration route.

Source: and Finance Scheme
Page / section: page 1, Section I Eligibility a–h; page 2, Section II Target Group
Accessed: 6 Oct 2026
Confidence: high

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Both scheme sections call the amount need-based; the ₹1 crore figure belongs only to the credit-guarantee eligibility/security clause.

Source: and Finance Scheme
Page / section: page 1, Section I Extent of Loan and Security; page 2, Section II Extent of Loan
Accessed: 6 Oct 2026
Confidence: high

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Primary security and collateralFPC route: hypothecation of assets created from the bank loan/crop; no collateral security or third-party guarantee for loans up to ₹1 crore when covered under the Credit Guarantee Fund; above ₹1 crore, extant bank guidelines apply. The separate registered-FPO section does not state security terms.View source

The collateral-free guarantee terms are restricted to Section I and are not attributed to all finance.

Source: and Finance Scheme
Page / section: page 1, Section I Security
Accessed: 6 Oct 2026
Confidence: high

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Credit-guarantee fee payable to SFACFPCs bear a one-time guarantee fee of 0.85% of sanctioned credit facility, capped at ₹85,000; payable upfront to SFAC within 30 days after guarantee approval or by the date SFAC specifies.View source

This is a third-party SFAC guarantee fee borne by the , not PNB's processing fee.

Source: and Finance Scheme
Page / section: page 1, Section I Fee Payable to SFAC, clause 1 and footnote
Accessed: 6 Oct 2026
Confidence: high

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Annual service fee payable to SFACFPCs pay SFAC an annual service fee of 0.25% of the sanctioned limit per year, in addition to the one-time guarantee fee.View source

This annual fee is payable by to SFAC and is not a PNB bank processing charge.

Source: and Finance Scheme
Page / section: page 1, Section I Fee Payable to SFAC, clause 2
Accessed: 6 Oct 2026
Confidence: high

Open official source ↗

RepaymentTerm-loan repayment follows bank guidelines based on purpose and income generation. Working capital runs for 12 months subject to annual renewal/review. Loans against NWR or for member-produce procurement are cleared within 12 months or sale of produce, whichever is earlier. KCC follows extant bank guidelines.View source

Both and registered- repayment clauses are represented; no universal term-loan tenure is inferred.

Source: and Finance Scheme
Page / section: pages 1–2, Repayment clauses 1–4
Accessed: 6 Oct 2026
Confidence: high

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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 ↗

Benefits and features

Working-capital and/or term-loan facilities based on the requirement
For the guarantee route, loans up to ₹1 crore may receive credit-guarantee cover without collateral or third-party guarantee if the stated criteria are met
Working capital is for 12 months, subject to annual renewal or review; specified warehouse-receipt/procurement loans are cleared within 12 months or sale of produce, whichever is earlier

Eligibility

The contains separate terms for under the Equity Grant/Credit Guarantee Fund route and registered under any statute; the shareholder and board conditions apply only to the first route.
For guarantee coverage up to ₹1 crore, the scheme lists company registration, member equity, at least 500 individual shareholders, at least 33% small/marginal/landless tenant-farmer shareholders, a 5% individual-member shareholding cap (institutional members excepted), a board of at least five with farmer representation and at least one woman, a management committee, and an 18-month business plan and budget.

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

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Loan repayment estimate

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Amount you want to borrowThe money you would receive from the lender.₹twenty-five lakh rupees₹50,000₹2,00,00,000Yearly interest rateThe percentage charged on the outstanding loan each year.%2%30%Time to repayA longer time usually lowers the monthly payment but raises total interest. months6 months360 months

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.

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TableScheme / item

I — Purpose · Published termWorking capital and/or term loan to meet financial needs

This value is copied from PNB Farmer Producer Company and Organisation finance — complete terms. Check the table notes before relying on it.

Source: and Finance Scheme · pages 1–2, complete Sections I and II Open official source ↗

Published tables

Complete rates, limits and schedules

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

Table 1 · 32 rows · 2 columnsPNB Farmer Producer Company and Organisation finance — complete termsStructured transcription of both narrative scheme sections in the two-page source PDF. Section I is the FPC credit-guarantee route; Section II is the separately stated registered-FPO route.View tableHide table

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PNB Farmer Producer Company and Organisation finance — complete terms
Scheme / item	Published term
I — Purpose	Working capital and/or term loan to meet financial needs
I — Target group	registered with the Registrar of Companies and engaged in agriculture/allied activity
I — Guarantee eligibility	Credit Guarantee coverage from SFAC for loan up to ₹1 crore without collateral or third-party guarantee, subject to listed criteria
I — Registration	Duly registered under the Companies Act provision named in the
I — Member equity	has raised equity from its members under its Articles of Association/Bye-laws
I — Shareholder count	At least 500 individual shareholders
I — Farmer shareholder mix	At least 33% are small, marginal or landless tenant farmers
I — Individual shareholding cap	No one non-institutional member may hold over 5% of total equity
I — Board	At least 5 elected/nominated members, adequate farmer representation and at least 1 woman member
I — Management committee	A duly elected management committee
I — Business plan	Business plan and budget for 18 months
I — Facility	Term loan and/or working capital
I — Amount	Need-based
I — Primary security	Hypothecation of assets created from the bank loan/crop
I — Collateral up to ₹1 crore	No collateral security or third-party guarantee for loans up to ₹100 lakh when covered under the Credit Guarantee Fund
I — Collateral above ₹1 crore	As per extant PNB guidelines
I — One-time SFAC guarantee fee	0.85% of sanctioned credit facility, capped at ₹85,000; borne by
I — SFAC annual service fee	0.25% of sanctioned limit per annum, in addition to the one-time fee; borne by
I — SFAC fee payment timing	One-time fee paid upfront within 30 days of guarantee approval or by the date specified by SFAC
I — Term-loan repayment	As per extant guidelines based on financed purpose and income-generation pattern
I — NWR/procurement repayment	Clear within 12 months or on sale of produce, whichever is earlier
I — Working-capital period	12 months, subject to annual renewal/review
I — repayment	As per extant PNB guidelines
II — Purpose	Working capital or term loan to meet registered financial needs
II — Target group	registered under any statute of law
II — Facility	Term loan and/or working capital
II — Amount	Need-based
II — Term-loan repayment	As per extant guidelines based on financed purpose and income-generation pattern
II — NWR/procurement repayment	Clear within 12 months or on sale of produce, whichever is earlier
II — Working-capital period	12 months, subject to annual renewal/review
II — repayment	As per extant PNB guidelines
Scope distinction	Section I guarantee, eligibility, security and SFAC fees are not stated as applying to Section II's registered- scheme

pages 1–2 visually checked. Its sections are narrative rather than a printed table; this structured table preserves every stated clause.

and Finance Scheme · pages 1–2, complete Sections I and II · 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 limit	Maximum published time
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

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 section	Published scope	Application to these schemes
Agriculture advances	Generic rate table explicitly excludes schematic lending	No generic agricultural rate assigned
Named specific schemes	The current page lists specific scheme rates by scheme name	None of these five products is named in the reviewed rows
/ base rates	Published separately, effective 01 October 2026	A 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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PNB Financing to Farmer Producer Companies and Organisations

What the official sources publish

Benefits and features

Eligibility

Related official documents

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Loan repayment estimate

Find the exact published value

Complete rates, limits and schedules

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