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PNB Horticulture and Plantation Crops Finance

Need-based finance for fruit, plantation, spice, ornamental and medicinal crops; rejuvenation, vegetables, flowers, intercropping, greenhouse facilities and crop marketing. The sheet sets a separate cap for the marketing-loan component.

Repayment period4–15 years, inclusive of the gestation period.How the amount is setOverall finance is need-based; working-capital finance depends on the scale of finance.Marketing-loan capUp to 20% of estimated crop value; this cap applies only to the marketing-loan component.
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Quick eligibility check

PNB Horticulture and Plantation Crops 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: Individual farmers or groups need aptitude/adequate experience and the stipulated land, either owned or held as a long-term tenant/lessee with the lease extending at least 3 years beyond the project's economic life?

Published source: Eligibility

2Do you meet this requirement: Public-sector undertakings and private firms may seek project finance for fruit trees or other economic plants?

Published source: Eligibility

3Do you meet this requirement: Individual farmers/groups need aptitude or experience and stipulated land owned or held under long-term tenancy/lease extending at least 3 years beyond the project's economic life?

4Document checkDo you have this required document or proof: Duly filled agriculture-credit application?

Published source: General agriculture-credit document checklist

5Document checkDo you have this required document or proof: Self-attested identity proof?

Published source: General agriculture-credit document checklist

6Document checkDo you have this required document or proof: Residence proof?

Published source: General agriculture-credit document checklist

7Document checkDo you have this required document or proof: Two recent applicant photographs not older than six months?

Published source: General agriculture-credit document checklist
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 typeNeed-based horticulture/plantation finance; working-capital support follows the applicable scale of finance and marketing loans are a separate component.View source
The source separately describes need-based scheme finance, working capital at scale of finance, and a marketing-loan limit.
Source
Scheme for Financing Development of Horticulture and Plantation Crops
Page / section
page 1, Purpose and Extent of Loan
Accessed
6 Oct 2026
Confidence
high
Open official source ↗
PurposeEstablish new fruit, plantation, spice, ornamental, medicinal, essential-oil or aromatic-plant orchards/groves; rejuvenate existing orchards/plantations with Circle Head sanction; grow vegetables and flowers; undertake intercropping; finance crop marketing from picking/grading/crating/forwarding through transport; or construct greenhouses and buy greenhouse equipment.View source
All six lettered purpose clauses in the source are represented in the structured scheme table.
Source
Scheme for Financing Development of Horticulture and Plantation Crops
Page / section
page 1, Purpose (a–f)
Accessed
6 Oct 2026
Confidence
high
Open official source ↗
EligibilityIndividual farmers or groups need aptitude/adequate experience and the stipulated land, either owned or held as a long-term tenant/lessee with the lease extending at least 3 years beyond the project's economic life. Public-sector undertakings and private firms may seek project finance for fruit trees or other economic plants.View source
The 3-year extension is beyond project economic life, not the entire lease duration; applicant types are distinguished.
Source
Scheme for Financing Development of Horticulture and Plantation Crops
Page / section
page 1, Eligibility (a–b)
Accessed
6 Oct 2026
Confidence
high
Open official source ↗
How the amount is setOverall finance is need-based; working-capital finance depends on the scale of finance.View source
The overall amount is need-based and working-capital finance follows the scale of finance; no overall rupee ceiling is stated.
Source
Scheme for Financing Development of Horticulture and Plantation Crops
Page / section
page 1, Extent of Loan
Accessed
6 Oct 2026
Confidence
high
Open official source ↗
Marketing-loan capUp to 20% of estimated crop value; this cap applies only to the marketing-loan component.View source
The source caps the separate marketing-loan component at 20% of estimated crop value; it does not cap the overall horticulture facility.
Source
Scheme for Financing Development of Horticulture and Plantation Crops
Page / section
page 1, Extent of Loan
Accessed
6 Oct 2026
Confidence
high
Open official source ↗
Repayment period4–15 years, inclusive of the gestation period.View source
The entire published repayment range and gestation qualification are retained.
Source
Scheme for Financing Development of Horticulture and Plantation Crops
Page / section
page 1, Repayment
Accessed
6 Oct 2026
Confidence
high
Open official source ↗
General agriculture-credit document checklistPNB'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 source does not label the list exhaustive for leaseholders, farmer groups or company applicants and the horticulture sheet gives no separate document list.View source
General checklist is shown with its correct scope; the scheme-specific document section is absent.
Source
PNB Agricultural Banking — documents required for agriculture loan
Page / section
Documents Required for Agriculture Loan; horticulture page 1, all clauses
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 horticulture 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 horticulture-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

  • Marketing costs listed include picking, grading, crating, forwarding and transport
  • Marketing-loan component is capped at 20% of estimated crop value
  • Repayment is 4–15 years including gestation

Eligibility

  • Individual farmers/groups need aptitude or experience and stipulated land owned or held under long-term tenancy/lease extending at least 3 years beyond the project's economic life.
  • Public-sector undertakings and private firms may seek project finance for fruit trees or other economic plants.

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 general checklist is not stated as exhaustive for leaseholders, groups or company applicants

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 Development of Horticulture (Fruit/Flower/Vegetable) & Plantation Cropsofficial-scheme-pdf · current-catalogue-linked-scheme-sheet · accessed 6 Oct 2026
↗

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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

Choose a table, then pick its row and column. This shows the exact entry published by the bank or insurer without making you scan every cell.

New orchards/plantations · Published termEstablish and develop fruit orchards/groves, plantation crops, spices, ornamental crops, medicinal plants, essential oils and aromatic plants.

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

Source: Scheme for Financing Development of Horticulture and Plantation Crops · 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 · 12 rows · 2 columnsPNB Horticulture and Plantation Crops Finance — complete published termsAll six purpose clauses and the land, finance and repayment conditions from the one-page sheet.View tableHide table

Scroll sideways to view every column

PNB Horticulture and Plantation Crops Finance — complete published terms
Section / casePublished term
New orchards/plantationsEstablish and develop fruit orchards/groves, plantation crops, spices, ornamental crops, medicinal plants, essential oils and aromatic plants.
RejuvenationRejuvenation of existing orchards or plantations; sanction by Circle Heads.
Annual cropsRaising vegetables and flower crops.
IntercroppingIntercropping in horticulture crops.
Marketing loan purposePicking, grading, crating, forwarding and transportation costs.
GreenhouseConstruct greenhouses and purchase greenhouse equipment.
Individual/group eligibilityIndividual farmer or farmer group with aptitude/adequate experience and stipulated land owned or held as a long-term tenant/lessee; lease must extend at least 3 years beyond the project's economic life.
Project applicantsPublic-sector undertakings or private firms may seek project finance for fruit-tree or other economic-plant plantations.
Overall loan extentNeed-based; no overall rupee ceiling stated.
Working capitalDepends on the applicable scale of finance.
Marketing-loan ceilingMust not exceed 20% of estimated crop value; this is a cap on the marketing-loan component, not on the overall scheme facility.
Repayment4–15 years inclusive of gestation.
Scheme for Financing Development of Horticulture and Plantation Crops · 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

Scroll sideways to view every column

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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