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PNB Scheme for Financing Greenhouses

Need-based finance for greenhouse/polyhouse construction, equipment, inputs, post-harvest work and marketing. PNB publishes separate term-loan and -repayment periods.

Repayment periodTerm loan: 5–7 years depending on loan amount, purpose and applicant request. Short-term production credit: 12 or 18 months under the KCC scheme.Facility typeNeed-based term finance for greenhouse projects; the sheet also permits short-term production credit under the KCC scheme.How the amount is setNeed-based; the applicant's project report is to be thoroughly scrutinized.
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Quick eligibility check

PNB Scheme for Financing Greenhouses

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: Applicant should own the required agricultural land?

Published source: Eligibility

2Do you meet this requirement: the site should be market-connected and have good-quality water, electricity and drainage?

Published source: Eligibility

3Do you meet this requirement: PNB may finance progressive farmers already using modern agricultural technology who have greenhouse experience/training, or existing greenhouse farmers expanding their units?

Published source: Eligibility

4Do you meet this requirement: The greenhouse sheet also requires a submitted project report for thorough scrutiny?

Published source: General agriculture-credit checklist and project report

5Do you meet this requirement: it does not provide an exhaustive additional checklist?

Published source: General agriculture-credit checklist and project report

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

Published source: General agriculture-credit checklist and project report

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

Published source: General agriculture-credit checklist and project report

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

Published source: General agriculture-credit checklist and project report

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

Published source: General agriculture-credit checklist and project 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 term finance for greenhouse projects; the sheet also permits short-term production credit under the KCC scheme.View source
The term-loan and short-term production-credit routes are kept distinct; the reference in the source states repayment terms only.
Source
Scheme for Financing Green Houses
Page / section
page 1, Extent of Loan and Repayment
Accessed
6 Oct 2026
Confidence
high
Open official source ↗
PurposeConstruct a greenhouse or polyhouse; purchase equipment or machinery; buy inputs and meet other expenses; or meet post-harvest and marketing requirements.View source
All four purposes from the are transcribed in the scheme terms table.
Source
Scheme for Financing Green Houses
Page / section
page 1, Purpose (a–d)
Accessed
6 Oct 2026
Confidence
high
Open official source ↗
EligibilityApplicant should own the required agricultural land; the site should be market-connected and have good-quality water, electricity and drainage. PNB may finance progressive farmers already using modern agricultural technology who have greenhouse experience/training, or existing greenhouse farmers expanding their units.View source
All land/site/infrastructure and borrower-experience/expansion conditions are retained.
Source
Scheme for Financing Green Houses
Page / section
page 1, Eligibility
Accessed
6 Oct 2026
Confidence
high
Open official source ↗
How the amount is setNeed-based; the applicant's project report is to be thoroughly scrutinized.View source
The sheet requires detailed scrutiny of the project report and states need-based finance, but gives no numeric ceiling.
Source
Scheme for Financing Green Houses
Page / section
page 1, Extent of Loan
Accessed
6 Oct 2026
Confidence
high
Open official source ↗
Repayment periodTerm loan: 5–7 years depending on loan amount, purpose and applicant request. Short-term production credit: 12 or 18 months under the KCC scheme.View source
Both repayment routes and the factors governing the term-loan period are preserved; no interest rate is inferred from the repayment reference.
Source
Scheme for Financing Green Houses
Page / section
page 1, Repayment
Accessed
6 Oct 2026
Confidence
high
Open official source ↗
General agriculture-credit checklist and project 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 greenhouse sheet also requires a submitted project report for thorough scrutiny; it does not provide an exhaustive additional checklist.View source
The application checklist is general; the product-specific sheet expressly refers to a project report.
Source
PNB Agricultural Banking — documents required for agriculture loan
Page / section
Documents Required for Agriculture Loan; greenhouse page 1, Extent of Loan
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 greenhouse 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 greenhouse-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

  • May include equipment/machinery, operating inputs and post-harvest/marketing needs in addition to structure construction
  • Term-loan repayment: 5–7 years; short-term production-credit repayment: 12 or 18 months under the scheme

Eligibility

  • Applicant should own the required agricultural land; the site should have market access, good-quality water, electricity and drainage.
  • The sheet names progressive farmers already using modern agricultural technology with greenhouse experience/training, or existing greenhouse owners seeking expansion.

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; the applicant's project report is to be thoroughly scrutinized

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 Green Housesofficial-scheme-pdf · current-catalogue-linked-scheme-sheet · accessed 6 Oct 2026
↗

Plan before applying

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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

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Purpose — structure · Published termConstruct a greenhouse or polyhouse.

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

Source: Scheme for Financing Green Houses · 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 · 9 rows · 2 columnsPNB Greenhouse Finance — complete published termsFull purpose, site and borrower conditions, loan-extent requirement and both repayment routes.View tableHide table

Scroll sideways to view every column

PNB Greenhouse Finance — complete published terms
Section / casePublished term
Purpose — structureConstruct a greenhouse or polyhouse.
Purpose — equipmentPurchase equipment or machinery.
Purpose — inputsPurchase inputs and meet other expenses.
Purpose — post-harvest/marketingMeet post-harvest-operation and marketing requirements.
Site requirementsOwn the required agricultural land; site should be well connected to market and have good-quality water, electricity and drainage.
Borrower experience/expansionProgressive farmers already following modern agricultural technology and experienced/trained in greenhouses, or existing greenhouse owners seeking expansion.
Loan extent/project reportNeed-based. Applicant's project report should be thoroughly scrutinized; no rupee ceiling stated.
Term-loan repayment5–7 years depending on loan amount, purpose and applicant request.
Short-term production-credit repayment12 or 18 months under the scheme; the greenhouse sheet does not state a product-specific rate or limit.
Scheme for Financing Green Houses · 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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