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PNB Krishak Saathi Scheme

A term loan to help eligible farmers repay outstanding dues to moneylenders. The published maximum is ₹1 lakh, repayable over 5–7 years with up to 12 months' moratorium.

Maximum loan₹1,00,000 as a term loan; need-based credit up to the stated maximum.Repayment period5–7 years, including a maximum 12-month moratorium; half-yearly or yearly instalments.PurposeHelp farmers redeem outstanding dues owed to moneylenders/non-institutional money sources.
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Quick eligibility check

PNB Krishak Saathi Scheme

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: All farmers, including small and marginal farmers, tenant farmers, oral lessees, sharecroppers and agricultural labourers indebted to non-institutional money sources?

Published source: Eligibility

2Can you provide this required proof: other loan documents are not exhaustively listed?

Published source: Documents

3Do you meet this requirement: Eligible applicants include all farmers, small and marginal farmers, tenant farmers, oral lessees, sharecroppers and agricultural labourers indebted to non-institutional money sources?

4Document 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 expressly dispenses with a moneylender certificate discharging the full liability; it does not give a separate exhaustive checklist?

Published source: Documents

5Document checkDo you have this required document or proof: A certificate from the moneylender discharging total liability is not required?

Published source: Eligibility

6Document 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

7Document checkDo you have this required document or proof: the specific moneylender discharge certificate it expressly waives?

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.

PurposeHelp farmers redeem outstanding dues owed to moneylenders/non-institutional money sources.View source
The scheme purpose is specifically repayment of non-institutional lender dues.
Source
PNB Krishak Saathi Scheme
Page / section
page 1, Purpose
Accessed
7 Oct 2026
Confidence
high
Open official source ↗
EligibilityAll farmers, including small and marginal farmers, tenant farmers, oral lessees, sharecroppers and agricultural labourers indebted to non-institutional money sources. A certificate from the moneylender discharging total liability is not required.View source
The lists farmer groups and expressly dispenses with the moneylender discharge certificate.
Source
PNB Krishak Saathi Scheme
Page / section
page 1, Eligibility
Accessed
7 Oct 2026
Confidence
high
Open official source ↗
Maximum loan₹1,00,000 as a term loan; need-based credit up to the stated maximum.View source
The sheet states need-based credit with a maximum of Rs.1,00,000 as term loan.
Source
PNB Krishak Saathi Scheme
Page / section
page 1, Extent of Loan
Accessed
7 Oct 2026
Confidence
high
Open official source ↗
Facility typeTerm loanView source
The scheme states a maximum amount as a term loan.
Source
PNB Krishak Saathi Scheme
Page / section
page 1, Extent of Loan
Accessed
7 Oct 2026
Confidence
high
Open official source ↗
Repayment period5–7 years, including a maximum 12-month moratorium; half-yearly or yearly instalments.View source
The maximum moratorium is included within the stated total repayment period.
Source
PNB Krishak Saathi Scheme
Page / section
page 1, Repayment
Accessed
7 Oct 2026
Confidence
high
Open official source ↗
DocumentsPNB's general agriculture checklist lists a filled application, self-attested identity proof, residence proof, two recent photographs and land-record particulars. The scheme does not require the specific moneylender discharge certificate it expressly waives; other loan documents are not exhaustively listed.View source
The certificate waiver is confined to the moneylender's discharge certificate, not all loan documentation.
Source
PNB agriculture-credit checklist and Krishak Saathi scheme sheet
Page / section
General checklist; page 1, Eligibility
Accessed
7 Oct 2026
Confidence
high
Open official source ↗

Benefits and features

  • A moneylender discharge certificate is not required under the scheme sheet
  • The sheet provides up to 12 months' moratorium within the stated 5–7-year repayment period

Eligibility

  • Eligible applicants include all farmers, small and marginal farmers, tenant farmers, oral lessees, sharecroppers and agricultural labourers indebted to non-institutional money sources.

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 expressly dispenses with a moneylender certificate discharging the full liability; it does not give a separate exhaustive 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
↗
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 7 Oct 2026
↗
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
↗
PNB Credit Related Service Charges — current pageofficial-service-charge-page · current-charge-schedule-reviewed-scoped-sections · accessed 8 Oct 2026
↗
PNB Krishak Saathi Scheme (PNB KSS)official-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.

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Purpose · Published termFinance to help farmers redeem outstanding dues to moneylenders/non-institutional lenders.

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

Source: PNB Krishak Saathi Scheme · 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 · 6 rows · 2 columnsPNB Krishak Saathi — complete published conditionsAll purpose, eligible borrower, certificate, amount and repayment clauses from the scheme sheet.View tableHide table

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PNB Krishak Saathi — complete published conditions
Scheme itemPublished term
PurposeFinance to help farmers redeem outstanding dues to moneylenders/non-institutional lenders.
Eligible borrowersAll farmers, including small and marginal farmers, tenant farmers, oral lessees, sharecroppers and agricultural labourers indebted to non-institutional money sources.
Moneylender certificateA certificate that the moneylender has discharged the borrower from total liability is not required.
Facility / extentNeed-based term loan up to ₹1,00,000.
Repayment5–7 years, including up to 12 months' moratorium.
InstalmentsHalf-yearly or yearly.
PNB Krishak Saathi Scheme · 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

Scroll sideways to view every column

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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