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PNB Forestry Development Finance

Need-based finance for forestry nurseries and plantations, including land development, irrigation, inputs and labour. Tree-growing loans may run for up to 15 years including a maximum 6-year grace period.

Repayment periodTree-growing forestry loans: up to 15 years including a grace period of up to 6 years. Short-term nursery loans: as per KCC Scheme; no separate period is stated.
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Quick eligibility check

PNB Forestry Development Finance

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: Farmers, SHGs, JLGs, companies and State undertakings with ownership, leasehold or perpetual-tenancy rights over the land?

Published source: Eligibility

2Do you meet this requirement: the proposed forestry plantation land must be marginally degraded or wasteland?

Published source: Eligibility

3Do you meet this requirement: The scheme sheet does not provide a separate exhaustive forestry/enterprise checklist?

Published source: Documents

4Do you meet this requirement: The applicant must hold ownership, leasehold or perpetual-tenancy rights?

5Do you meet this requirement: the proposed forestry land should be marginally degraded or wasteland?

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 scheme sheet does not give a separate exhaustive document checklist?

Published source: Documents

7Document checkDo you have this required document or proof: PNB's general agriculture checklist lists a filled 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.

PurposeDevelop nurseries and plantations; prepare land, dig pits, raise bunds, create irrigation facilities, and finance equipment, fertilizers, pesticides, seedlings and labour. Also covers intercropping, bamboo plantations and production of tree-borne oilseeds.View source
All listed forestry development and input purposes are grouped without adding any unstated activity.
Source
Scheme for Financing Forestry Development Programmes
Page / section
page 1, Purpose clauses (a)–(b)
Accessed
7 Oct 2026
Confidence
high
Open official source ↗
EligibilityFarmers, SHGs, JLGs, companies and State undertakings with ownership, leasehold or perpetual-tenancy rights over the land; the proposed forestry plantation land must be marginally degraded or wasteland.View source
The sheet states applicant forms, land rights and land condition.
Source
Scheme for Financing Forestry Development Programmes
Page / section
page 1, Eligibility clauses (a)–(b)
Accessed
7 Oct 2026
Confidence
high
Open official source ↗
Repayment periodTree-growing forestry loans: up to 15 years including a grace period of up to 6 years. Short-term nursery loans: as per KCC Scheme; no separate period is stated.View source
The nursery clause refers to without publishing a nursery-specific number in this sheet.
Source
Scheme for Financing Forestry Development Programmes
Page / section
page 1, Repayment clauses for forest plantation and short-term nursery loan
Accessed
7 Oct 2026
Confidence
high
Open official source ↗

Benefits and features

  • Eligible purposes include nurseries, forestry plantations, bamboo and tree-borne oilseeds
  • The scheme sheet states a maximum 6-year grace period for tree-growing loans

Eligibility

  • The applicant must hold ownership, leasehold or perpetual-tenancy rights; the proposed forestry land should be marginally degraded or wasteland.

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 scheme sheet does not give a separate exhaustive document 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
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PNB Agricultural Banking — documents required for agriculture loanofficial-agriculture-banking-page · current · accessed 7 Oct 2026
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PNB General Guidelines for Agricultural Credit — current application, ACABC margin and security rulesofficial-general-guidelines-page · current-relevant-sections-reviewed · accessed 8 Oct 2026
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PNB Interest Rates on Advances — current agriculture and specific-scheme ratesofficial-rate-table · current · accessed 7 Oct 2026
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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
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PNB Credit Related Service Charges — current pageofficial-service-charge-page · current-charge-schedule-reviewed-scoped-sections · accessed 8 Oct 2026
↗
Scheme for Financing Forestry Development Programmesofficial-scheme-pdf · current-catalogue-linked-scheme-sheet · accessed 7 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

Find the exact published value

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Purpose — plantations and nurseries · Published termDevelop nurseries and plantations; land development, pit digging, bunds and irrigation facilities.

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

Source: Scheme for Financing Forestry Development Programmes · 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 · 8 rows · 2 columnsPNB Forestry Development — complete published conditionsAll purposes, applicant/land tests, amount basis and repayment clauses from the one-page scheme sheet.View tableHide table

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PNB Forestry Development — complete published conditions
Scheme itemPublished term
Purpose — plantations and nurseriesDevelop nurseries and plantations; land development, pit digging, bunds and irrigation facilities.
Eligible costsFarm equipment, fertilizers, pesticides, seedlings and labour charges.
Other listed activitiesIntercropping, bamboo plantation and production of tree-borne oilseeds.
Eligible applicants / land rightsFarmers, , , companies or State undertakings with ownership, leasehold or perpetual tenancy over the land.
Land conditionProposed forest-plantation land should be marginally degraded or wasteland.
Loan extentNeed-based; no fixed rupee maximum is stated.
Tree-growing repaymentUp to 15 years including a grace period of up to 6 years.
Short-term nursery loanAs per Scheme; the forestry sheet gives no separate numeric nursery period or rate.
Scheme for Financing Forestry Development Programmes · 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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