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PNB Scheme for Financing Fisheries Development

Need-based finance for inland, brackish-water and marine fisheries projects. The scheme covers ponds, fish seed, feed, equipment, boats and marine working capital, with different repayment periods by project and vessel type.

Repayment period and schedulePond fish culture: 5–8 years including 12 months' gestation, yearly repayment. Brackish-water fish/prawn culture: 5–10 years including 12 months' gestation, half-yearly repayment. FFDA-sponsored pond culture: 9 years with a 2-year repayment holiday. Non-mechanized boats/vessels: 6–7 years with 4 months' grace each year. Mechanized boats: 8–12 years with 4 months' grace each year.How the amount is setNeed-based. Inland fisheries projects may be verified, if necessary, by FFDA, the State Fishery Department or NABARD Consultancy Services.
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PNB Scheme for Financing Fisheries Development

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.

1Do you meet this requirement: Inland/brackish-water applicants may be individual farmers, groups, cooperatives, companies or associations of persons with adequate know-how, experience/training and infrastructure?

Published source: Eligibility

2Do you meet this requirement: they must own the pond/land or hold a lease through project completion and have fishing rights for lake/reservoir projects?

Published source: Eligibility

3Do you meet this requirement: A water-quality report must accompany the application?

Published source: Eligibility

4Do you meet this requirement: Marine applicants may be technically qualified, experienced individuals, partnership firms or limited companies?

Published source: Eligibility

5Do you meet this requirement: deep-sea vessels require government permission to operate in the maritime zone?

Published source: Eligibility

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

Published source: Agriculture-credit checklist and fisheries report

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

Published source: Agriculture-credit checklist and fisheries report

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

Published source: Agriculture-credit checklist and fisheries report

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

Published source: Agriculture-credit checklist and fisheries report
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 agriculture investment and working-capital facilities for inland/brackish-water and marine fisheries projects; the sheet does not name a single fixed facility structure.View source
The sheet separates inland/brackish-water and marine purposes and states the loan extent is need-based.
Source
Scheme for Financing Fisheries Development
Page / section
page 1, Purpose and Extent of Loan
Accessed
6 Oct 2026
Confidence
high
Open official source ↗
PurposeInland/brackish-water projects may finance pond/tank construction or renovation, sluices, fish/prawn/fry/fingerling/seed purchases, feed and other inputs through first harvest, nets and accessories, and country boats for reservoir/lake fisheries. Marine projects may finance mechanized/non-mechanized boats, deep-sea vessels/trawlers, nets, deck equipment, marine engines and working capital.View source
All listed inland/brackish-water and marine project purposes are represented in the linked complete-terms table.
Source
Scheme for Financing Fisheries Development
Page / section
page 1, Purpose (a–b)
Accessed
6 Oct 2026
Confidence
high
Open official source ↗
EligibilityInland/brackish-water applicants may be individual farmers, groups, cooperatives, companies or associations of persons with adequate know-how, experience/training and infrastructure; they must own the pond/land or hold a lease through project completion and have fishing rights for lake/reservoir projects. A water-quality report must accompany the application. Marine applicants may be technically qualified, experienced individuals, partnership firms or limited companies; deep-sea vessels require government permission to operate in the maritime zone.View source
Applicant types and each inland, reservoir, marine and deep-sea condition are taken from the full scheme sheet.
Source
Scheme for Financing Fisheries Development
Page / section
page 1, Eligibility (a–b)
Accessed
6 Oct 2026
Confidence
high
Open official source ↗
How the amount is setNeed-based. Inland fisheries projects may be verified, if necessary, by FFDA, the State Fishery Department or NABARD Consultancy Services.View source
The sheet says finance is need-based and provides no numeric rupee ceiling.
Source
Scheme for Financing Fisheries Development
Page / section
page 1, Extent of Loan
Accessed
6 Oct 2026
Confidence
high
Open official source ↗
Repayment period and schedulePond fish culture: 5–8 years including 12 months' gestation, yearly repayment. Brackish-water fish/prawn culture: 5–10 years including 12 months' gestation, half-yearly repayment. FFDA-sponsored pond culture: 9 years with a 2-year repayment holiday. Non-mechanized boats/vessels: 6–7 years with 4 months' grace each year. Mechanized boats: 8–12 years with 4 months' grace each year.View source
All five repayment cases and their applicable modes/holidays/grace periods are retained without flattening them to one range.
Source
Scheme for Financing Fisheries Development
Page / section
page 1, Repayment (a–e)
Accessed
6 Oct 2026
Confidence
high
Open official source ↗
Agriculture-credit checklist and fisheries reportPNB's general checklist lists a duly filled agriculture-credit application, self-attested identity proof, residence proof, two recent photographs not older than six months, and land-record particulars. The fisheries sheet additionally requires a water-quality report with the agriculture-credit application. The checklist does not state that it is exhaustive for each applicant type.View source
The general PNB checklist and the fisheries-specific water-quality report are kept distinct; the scheme does not provide a complete entity-specific document list.
Source
PNB Agricultural Banking — documents required for agriculture loan
Page / section
Documents Required for Agriculture Loan; fisheries-specific report in scheme page 1, Eligibility
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 fisheries 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 fisheries-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

  • Pond and tank works, fish/prawn seed, inputs to first harvest, nets/equipment and eligible reservoir boats are listed
  • Marine finance may cover boats/vessels, trawlers, nets, deck equipment, marine engines and working capital

Eligibility

  • Inland/brackish-water applicants need adequate know-how, experience/training and infrastructure, ownership or lease rights through project completion, and applicable fishing rights.
  • Submit a water-quality report with the agriculture-credit application. Marine applicants need technical qualification and experience; deep-sea vessels also require government permission for maritime-zone operation.

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
  • Water-quality report with the application for agriculture credit

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 Credit Related Service Charges — current pageofficial-service-charge-page · current-charge-schedule-reviewed-scoped-sections · accessed 8 Oct 2026
↗
Scheme for Financing Fisheries Developmentofficial-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.

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Inland/brackish purpose — ponds and sluices · Published termConstruct or renovate ponds/tanks and construct sluices.

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

Source: Scheme for Financing Fisheries Development · 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 · 17 rows · 2 columnsPNB Fisheries Development Finance — complete published termsFull one-page scheme-sheet transcription, with distinct inland/brackish-water and marine purposes, eligibility and repayment cases.View tableHide table

Scroll sideways to view every column

PNB Fisheries Development Finance — complete published terms
Section / casePublished term
Inland/brackish purpose — ponds and sluicesConstruct or renovate ponds/tanks and construct sluices.
Inland/brackish purpose — stock and inputsPurchase fish, prawn, fry, fingerlings, fish seed or prawn seed; purchase oil-cake, fertilizer, organic fertilizer and other feed material up to first harvest.
Reservoir/lake purposePurchase of country-made boats may be considered.
Marine purpose — vesselsPurchase mechanized or non-mechanized boats, deep-sea fishing vessels or trawlers.
Marine purpose — equipment and working capitalPurchase nets, deck equipment and marine engines; working capital.
Inland/brackish applicantsIndividual farmers, groups, cooperatives, companies or associations of persons with adequate know-how, experience/training and infrastructure.
Pond/land rightsApplicant must own the pond/land or hold lease rights until project completion.
Lake/reservoir rightsFishing rights are required for a lake/reservoir project.
Water-quality evidenceA water-quality report must be submitted with the agriculture-credit application.
Marine applicantsTechnically qualified and experienced individuals, partnership firms or limited companies.
Deep-sea operationDeep-sea fishing vessels require government permission to operate in the maritime zone.
Loan extent / project reviewNeed-based. If necessary, an inland fisheries project may be verified by FFDA, the State Fishery Department or Consultancy Services.
Repayment — pond culture5–8 years including 12 months' gestation; yearly repayment.
Repayment — brackish-water fish/prawn culture5–10 years including 12 months' gestation; half-yearly repayment.
Repayment — FFDA-sponsored pond culture9 years with a 2-year repayment holiday.
Repayment — non-mechanized boats/vessels6–7 years with 4 months' grace each year.
Repayment — mechanized boats8–12 years with 4 months' grace each year.
Scheme for Financing Fisheries Development · page 1, all clauses · 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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