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PNB Kisan Samriddhi Yojana

PNB agriculture and allied-activity credit for production, investment, rural housing and specified household needs. The published maximum is ₹10 crore, subject to a lower limit based on borrower income and mortgaged-land value.

Maximum financeUp to ₹10 crore, further limited to the lower of 5 times the borrower's average annual total income over 2 years and 50% of the mortgaged-land value.Maximum amountMaximum sanctioned amount ₹10 crore; the limit is also capped by 5 times the borrower's 2-year average annual total income and 50% of mortgaged-land valueRepaymentHousing: 9 years including 12 months' gestation. Main agricultural activity: up to 9 years. Allied agriculture: up to 7 years. Working capital for allied activities: 12 months. For cash credit, aggregate credits over the previous 12 or 18 months should equal the outstanding; a drawal should not remain outstanding for more than 12 months, or 18 months for long-duration crops.
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Quick eligibility check

PNB Kisan Samriddhi Yojana

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: Existing good agricultural-land-owner borrowers must have continuously availed a loan and have no NPA record for the previous 2 years as of application?

Published source: Eligible applicants

2Do you meet this requirement: New farmers may qualify with at least 2 years of satisfactory dealings with another bank?

Published source: Eligible applicants

3Do you meet this requirement: PNB says that track-record condition may be relaxed for new farmers with good deposits over the previous 2 years?

Published source: Eligible applicants

4Do you meet this requirement: Multiple owners of mortgaged land may be eligible jointly or individually after declaring that there is no family dispute about title or the charge in PNB's favour?

Published source: Eligible applicants

5Do you meet this requirement: The page does not label this as an exhaustive KSY-specific checklist?

Published source: Documents

6Document checkDo you have this required document or proof: PNB's general agriculture-loan checklist: completed application form, identity proof, residence proof, two photographs not older than 6 months and land-record particulars. This is a bank-wide checklist, not a KSY-specific exhaustive document list?

Published source: Documents

7Document checkDo you have this required document or proof: completed application form, identity proof, residence proof, two photographs not older than 6 months and land-record particulars?

Published source: Documents
0 of 7 answeredAnswer the remaining questions to see your checklist result.
✓ Manually checked 6 Oct 2026 · active
Offered byPunjab National Bank

India

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 typeAgriculture and allied-activity credit; the scheme sheet includes a cash-credit limit and working capital for allied activities, but does not define one facility type for every purpose.View source
The sheet names production and investment credit, lists a cash-credit limit and working capital for allied activities, and also includes housing and other purposes; it does not label every component as a term loan or revolving facility.
Source
Kisan Samriddhi Yojana
Page / section
page 1, Purpose and Repayment
Accessed
6 Oct 2026
Confidence
high
Open official source ↗
PurposeProduction and investment credit for agriculture and allied activities; rural-housing-related activities; and household needs such as marriage, education, religious or family functions.View source
All three purpose clauses on the one-page scheme table are included.
Source
Kisan Samriddhi Yojana
Page / section
page 1, Purpose
Accessed
6 Oct 2026
Confidence
high
Open official source ↗
Eligible applicantsExisting good agricultural-land-owner borrowers must have continuously availed a loan and have no NPA record for the previous 2 years as of application. New farmers may qualify with at least 2 years of satisfactory dealings with another bank; PNB says that track-record condition may be relaxed for new farmers with good deposits over the previous 2 years. Multiple owners of mortgaged land may be eligible jointly or individually after declaring that there is no family dispute about title or the charge in PNB's favour.View source
The eligibility cell and its two clauses were read in full; the new-farmer deposit relaxation and joint-owner declaration are retained.
Source
Kisan Samriddhi Yojana
Page / section
page 1, Eligibility clauses a–b
Accessed
6 Oct 2026
Confidence
high
Open official source ↗
Maximum financeUp to ₹10 crore, further limited to the lower of 5 times the borrower's average annual total income over 2 years and 50% of the mortgaged-land value.View source
PNB states a ₹10 crore maximum, then says the limit is the lower of 5 times 2-year average annual total income and 50% of mortgaged-land value.
Source
Kisan Samriddhi Yojana
Page / section
page 1, Extent
Accessed
6 Oct 2026
Confidence
high
Open official source ↗
Use of the limitAt least 75% of the limit is for productive purposes. Non-productive purposes are limited to the lower of 25% of the loan amount or ₹5 lakh; that portion may include up to ₹3 lakh for rural housing and up to ₹2 lakh for consumption.View source
The minimum productive share and all three non-productive caps are retained separately.
Source
Kisan Samriddhi Yojana
Page / section
page 1, Extent
Accessed
6 Oct 2026
Confidence
high
Open official source ↗
RepaymentHousing: 9 years including 12 months' gestation. Main agricultural activity: up to 9 years. Allied agriculture: up to 7 years. Working capital for allied activities: 12 months. For cash credit, aggregate credits over the previous 12 or 18 months should equal the outstanding; a drawal should not remain outstanding for more than 12 months, or 18 months for long-duration crops.View source
Each repayment sub-clause is preserved and separated by facility/activity; the cash-credit settlement wording is not converted into a fixed amortizing tenor.
Source
Kisan Samriddhi Yojana
Page / section
page 1, Repayment clauses a–d
Accessed
6 Oct 2026
Confidence
high
Open official source ↗
Interest subventionNil.View source
The scheme table explicitly prints Nil.
Source
Kisan Samriddhi Yojana
Page / section
page 1, Interest Subvention
Accessed
6 Oct 2026
Confidence
high
Open official source ↗
Capital subsidyNil.View source
The scheme table explicitly prints Nil.
Source
Kisan Samriddhi Yojana
Page / section
page 1, Capital Subsidy
Accessed
6 Oct 2026
Confidence
high
Open official source ↗
Primary security and collateralPrimary security: hypothecation of assets. Collateral: security equal to 200% in immovable property or 100% in liquid security.View source
The prints 200% immovable-property security or 100% liquid security; the security table in the is recorded verbatim in the attached product-terms table.
Source
Kisan Samriddhi Yojana
Page / section
page 1, Primary security and Collateral security
Accessed
6 Oct 2026
Confidence
high
Open official source ↗
MarginNil for Kisan Samriddhi production credit. PNB's general agriculture guideline says scheme-specific margin rules must be consulted; it does not expressly state a KSY investment-credit margin.View source
The guideline's KSY row specifies nil margin only for production credit and says margin is prescribed separately for specific schemes. No KSY investment-credit margin is inferred.
Source
General Guidelines for Agricultural Credit
Page / section
HTML section 2, Margin Norms; /KSY/Krishak Unnati row explicitly says production credit only
Accessed
6 Oct 2026
Confidence
high
Open official source ↗
Application decision timePNB publishes maximum agriculture-loan disposal times by credit limit: up to ₹2 lakh, 2 weeks; above ₹2 lakh–₹50 lakh, 4 weeks; above ₹50 lakh–₹1 crore, 5–6 weeks; above ₹1 crore–₹100 crore, 6–7 weeks; above ₹100 crore, 8–9 weeks.View source
The page labels each number as a maximum time schedule by credit limit; the full five-row table is preserved on the product page.
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 ↗
DocumentsPNB's general agriculture-loan checklist asks for a completed application form, identity proof, residence proof, two photographs not older than 6 months and land-record particulars. The page does not label this as an exhaustive KSY-specific checklist.View source
The bank-wide agriculture checklist is reproduced with its scope caveat; it is not represented as a scheme-specific exhaustive list.
Source
PNB Agricultural Banking — agriculture-credit document checklist
Page / section
Documents Required for Agriculture Loan
Accessed
3 Oct 2026
Confidence
high
Open official source ↗
Processing-fee timingPNB's 15 April 2026 agriculture schedule explicitly names KSY: fee collection is at sanction and again at enhancement or renewal; for a validity longer than one year it is collected once at sanction, and an in-validity review is not charged. The current schedule does not provide a KSY-specific numeric fee, and its generic agriculture percentage expressly excludes schematic lending.View source
The specific clauses name KSY and its charge collection timing. The general agriculture fee band says it excludes schematic lending; no excluded 0.30% rate is assigned to KSY.
Source
PNB Credit Related Service Charges — agriculture-credit schedule effective 15 April 2026
Page / section
Section 12.1.1–12.1.2, agriculture-credit processing fee and /KSY/Krishak Unnati clauses
Accessed
3 Oct 2026
Confidence
high
Open official source ↗
Maximum amountMaximum sanctioned amount ₹10 crore; the limit is also capped by 5 times the borrower's 2-year average annual total income and 50% of mortgaged-land valueView source
The manually reviewed product summary states: “Maximum sanctioned amount ₹10 crore; the limit is also capped by 5 times the borrower's 2-year average annual total income and 50% of mortgaged-land value”.
Source
PNB Kisan Samriddhi Yojana — official product page
Page / section
Published loan terms in product summary
Accessed
6 Oct 2026
Confidence
high
Open official source ↗

Benefits and features

  • Agriculture and allied-activity production and investment credit, plus rural housing and specified marriage, education, religious or family expenses
  • Maximum sanctioned amount ₹10 crore; the limit is also capped by 5 times the borrower's 2-year average annual total income and 50% of mortgaged-land value
  • Repayment up to 9 years for housing and main agricultural activity, and up to 7 years for allied agriculture

Eligibility

  • Existing borrowers must own good agricultural land, have continuously availed a loan and have no record during the 2 years before application.
  • New farmers may qualify with evidence of satisfactory dealings with another bank for at least 2 years; PNB says this track-record condition may be relaxed for new farmers with good deposits during the previous 2 years.
  • Where mortgaged land has multiple owners, they may be eligible jointly or individually, subject to a declaration that there is no family dispute about title or the mortgage/charge in PNB's favour.

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

Documents the bank lists

  • PNB's general agriculture-loan checklist: completed application form, identity proof, residence proof, two photographs not older than 6 months and land-record particulars. This is a bank-wide checklist, not a KSY-specific exhaustive document list.

Related official documents

PNB Agriculture Loan Schemes catalogueofficial-product-catalogue-page · current · accessed 6 Oct 2026
↗
PNB Credit Related Service Charges — agriculture-credit scheduleofficial-service-charge-schedule · latest-reviewed-agriculture-specific-schedule · 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
↗
Kisan Samriddhi Yojana (official PNB scheme sheet)official-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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Purpose · Published termProduction and investment credit for agriculture and allied activities

This value is copied from PNB Kisan Samriddhi Yojana — complete scheme-sheet terms. Check the table notes before relying on it.

Source: Kisan Samriddhi Yojana · page 1, complete table from Purpose through Collateral security Open official source ↗

Published tables

Complete rates, limits and schedules

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

Table 1 · 22 rows · 2 columnsPNB Kisan Samriddhi Yojana — complete scheme-sheet termsAll content from the one-page PNB scheme table, transcribed into readable rows.View tableHide table

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PNB Kisan Samriddhi Yojana — complete scheme-sheet terms
Scheme itemPublished term
PurposeProduction and investment credit for agriculture and allied activities
PurposeRural-housing-related activities
PurposeConsumption needs including marriage, education, religious or family functions
EligibilityExisting good agricultural-land-owner borrowers continuously availing any loan and with no record during the previous 2 years as of application
EligibilityNew farmers with evidence of satisfactory dealings with other banks for at least 2 years; the 2-year track-record condition may be relaxed for new farmers with good deposits over the previous 2 years
Joint land ownershipWhere mortgaged land is held by multiple farmers, they may be eligible jointly or individually subject to a declaration of no family dispute about agricultural-land title or the charge in PNB's favour
Maximum amount₹10 crore
Productive-purpose allocationAt least 75% of the limit
Non-productive-purpose allocationUp to 25% of the loan amount or ₹5 lakh, whichever is lower
Rural housing within the non-productive allocationUp to ₹3 lakh
Consumption within the non-productive allocationUp to ₹2 lakh
Limit assessmentThe limit is the lower of 5 times the borrower's average annual total income over 2 years and 50% of mortgaged-land value
Production-credit cash-credit limitAggregate credits over the last 12 or 18 months should equal the outstanding
Working capital for allied activities12 months
Maximum time a drawal may remain outstanding12 months; 18 months for long-duration crops
Housing repayment9 years, including a 12-month gestation period
Main agricultural activity repaymentUp to 9 years
Allied agriculture repaymentUp to 7 years
Interest subventionNil
Capital subsidyNil
Primary securityHypothecation of assets
Collateral security200% security in immovable property or 100% liquid security
  • The table contains all scheme sections on page 1. Repayment periods are purpose/facility-specific and should not be read as one universal loan tenure.
Kisan Samriddhi Yojana · page 1, complete table from Purpose through Collateral security · accessed 6 Oct 2026Open official source ↗
Table 2 · 5 rows · 2 columnsPNB agriculture-credit margin norms relevant to KSYThe bank-wide guideline includes a KSY row for production credit; do not extend that nil-margin row to investment credit.View tableHide table

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PNB agriculture-credit margin norms relevant to KSY
Credit amount / schemePublished margin
Production/investment credit up to ₹2 lakhNil
Above ₹2 lakh to ₹10 lakh10%
Above ₹10 lakh to ₹25 lakh15%
Above ₹25 lakh25%
, KSY and Krishak Unnati — production credit onlyNil
  • PNB says margin is prescribed separately for specific schemes and scheme guidelines should be consulted. The explicitly named KSY row limits nil margin to production credit only; the KSY sheet does not state a separate investment-credit margin.
General Guidelines for Agricultural Credit · Section 2, Margin Norms, Production/Investment Credit table · accessed 6 Oct 2026Open official source ↗
Table 3 · 5 rows · 2 columnsPNB agriculture-loan application disposal timeView tableHide table

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PNB agriculture-loan application disposal time
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
  • PNB's general agriculture-credit guideline labels these as maximum disposal times. They are not a guaranteed individual sanction timeline.
General Guidelines for Agricultural Credit · Section 1, Time Schedule for Disposal of Loan Applications · accessed 6 Oct 2026Open official source ↗
Table 4 · 6 rows · 3 columnsPNB agriculture processing-fee bands and KSY collection conditionsView tableHide table

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PNB agriculture processing-fee bands and KSY collection conditions
Schedule row / conditionPublished termScope
Fresh, renewal or enhancement up to ₹3 lakhNilGeneral agriculture-credit band; excludes schematic lending
Fresh, renewal or enhancement above ₹3 lakh0.30%General agriculture-credit band; excludes schematic lending
KSY processing-fee timingAt sanction and subsequently at enhancement or renewalKSY is explicitly named; the table gives no KSY-specific amount
Sanction validity longer than one yearOne fee at sanction/KSY/Krishak Unnati accounts
Review during sanction validityNo processing fee/KSY limits
Renewal cycleAfter 5 years/KSY/Krishak Unnati scheme clause
  • The percentage in the first two rows is explicitly excluded from schematic lending and is not a KSY quote. PNB's current fee page does not display a numeric KSY-specific fee; the amount is left out of comparison data.
PNB Credit Related Service Charges — agriculture-credit schedule effective 15 April 2026 · Sections 12.1.1–12.1.2, agriculture-credit processing-fee band and KSY clauses · accessed 3 Oct 2026Open official source ↗
Table 5 · 9 rows · 2 columnsPNB agriculture-credit upfront fee for fresh term loansView tableHide table

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PNB agriculture-credit upfront fee for fresh term loans
Fresh term-loan amount / ratingUpfront fee
Up to ₹3 lakhNil
Above ₹3 lakh to ₹25 lakh0.625%
Above ₹25 lakh to ₹1 crore1.35%; minimum ₹14,000
Above ₹1 crore to ₹10 crore; A1–A3 rating1.05%; minimum ₹1.35 lakh
Above ₹1 crore to ₹10 crore; A4/B1 rating1.30%; minimum ₹1.35 lakh
Above ₹1 crore to ₹10 crore; B2 and below1.60%; minimum ₹1.35 lakh
Above ₹10 crore; A1–A3 rating1.00%; minimum ₹10.50 lakh
Above ₹10 crore; A4/B1 rating1.25%; minimum ₹13 lakh
Above ₹10 crore; B2 and below1.50%; minimum ₹16 lakh
  • This is the bank-wide agriculture-credit schedule for fresh term loans, not a KSY-specific quote. The KSY sheet does not say that every scheme purpose is a term loan; do not treat these bands as universally applicable to KSY. Charges other than the upfront fee, including /CERSAI/insurance, are additional where applicable; taxes are extra unless stated otherwise.
PNB Credit Related Service Charges — agriculture-credit schedule effective 15 April 2026 · Section 12.2.1, Upfront Fee for Fresh Term Loans · accessed 3 Oct 2026Open official source ↗
Table 6 · 7 rows · 2 columnsPNB agricultural-credit documentation charge bandsView tableHide table

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PNB agricultural-credit documentation charge bands
Credit amountDocumentation charge
Up to ₹3 lakhNil
Above ₹3 lakh to ₹25 lakh₹2,500
Above ₹25 lakh to ₹5 crore₹5,000
Above ₹5 crore to ₹10 crore₹10,000
Above ₹10 crore to ₹50 crore₹30,000
Above ₹50 crore to ₹500 crore₹50,000
Above ₹500 crore₹75,000
  • The agriculture schedule labels this as documentation charges including Priority Sector Advances. PNB's current general charge page says retail/schematic-lending documentation is as per scheme; the KSY sheet does not confirm a KSY-specific documentation amount. Treat the table as the published schedule, not as a confirmed KSY charge. Documentation charges are covered in processing/upfront fees where those fees apply; renewal/review is nil and term-loan documentation is generally one-time per the schedule.
PNB Credit Related Service Charges — agriculture-credit schedule effective 15 April 2026 · Section 12.3.1, Documentation Charges including Priority Sector Advance · accessed 3 Oct 2026Open official source ↗
Table 7 · 5 rows · 2 columnsPNB agricultural-credit inspection and supervision chargesView tableHide table

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PNB agricultural-credit inspection and supervision charges
Credit amountInspection / supervision charge
Up to ₹5 lakhNil
Above ₹5 lakh to ₹1 crore₹1,000
Above ₹1 crore to ₹5 crore₹5,000
Above ₹5 crore to ₹10 crore₹10,000
Above ₹10 crore₹30,000
  • The agriculture-credit schedule says charges are levied quarterly on a pro-rata basis in the second week of the quarter's last month. It does not give a KSY-specific applicability carve-out; retain the bank's published schedule and confirm sanction applicability with PNB. Taxes and applicable out-of-pocket costs may be additional.
PNB Credit Related Service Charges — agriculture-credit schedule effective 15 April 2026 · Section 12.4.1, Inspection/Supervision Charges · accessed 3 Oct 2026Open official source ↗
Table 8 · 3 rows · 3 columnsPNB published agriculture rate scope checked for Kisan SamriddhiView tableHide table

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PNB published agriculture rate scope checked for Kisan Samriddhi
Rate schedule sectionPublished scopeKSY treatment
Agriculture advancesThe generic rate table is explicitly headed 'Excluding Schematic Lending'Not assigned to KSY
Specific agriculture schemesThe current page names specific schemes including NRLM/SRLM, Agriculture Infrastructure Fund, , Swarnim and MicrofinanceNo KSY rate row found in the reviewed named-scheme sections
Current base rates and are published separately, effective 01 October 2026Base benchmarks alone do not establish a KSY customer rate
  • This is a source-scope record to prevent the generic agriculture band from being mistaken for a KSY rate; it does not create an interest-rate value.
PNB Interest Rates on Advances — current agriculture and specific-scheme rates · Agriculture Advances and named specific-scheme rate sections; / effective 01 October 2026 · accessed 6 Oct 2026Open official source ↗

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