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PNB Krishak Unnati Yojana

A five-year umbrella cash-credit limit combining crop-production credit with a second limit for agricultural and allied development.

Interest rateThe KCC component follows PNB's KCC terms; the current rate table lists regular KCC outstanding up to ₹3 lakh at 7.00% p.a. No separate Krishak Unnati-component rate is named on the reviewed current rate page.Maximum amountUp to ₹10 lakh; the umbrella limit is the lowest of twice the KCC limit assessed for the proposed cropping pattern, 50% of the agricultural-land value used for calculation, or ₹10 lakh.Validity and reviewBoth components are valid for five years subject to annual review. The short-term cash-credit limit is reviewed annually to check that crop and other sale proceeds are routed through the account.
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Quick eligibility check

PNB Krishak Unnati 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 who have borrowed continuously from PNB for two years and had no loan account classified NPA during the preceding two years?

Published source: Eligibility

2Do you meet this requirement: Other scheduled-commercial-bank customers may qualify after two years of satisfactory dealings if none of their loan accounts was NPA in the preceding two years?

Published source: Eligibility

3Do you meet this requirement: PNB obtains and reviews statements for all their loan accounts for the previous 12 months?

Published source: Eligibility

4Do you meet this requirement: Other-bank applicants: statements for all loan accounts for the prior 12 months?

Published source: Required documents named in scheme

5Do you meet this requirement: Every applicant: end-use declaration/simple undertaking for the Krishak Unnati component?

Published source: Required documents named in scheme

6Document checkDo you have this required document or proof: For applicants borrowing from another bank: statements for all loan accounts for the previous 12 months?

Published source: Required documents named in scheme

7Document checkDo you have this required document or proof: End-use declaration/undertaking for the Krishak Unnati component?

Published source: Required documents named in scheme
0 of 7 answeredAnswer the remaining questions to see your checklist result.
✓ Manually checked 3 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 typeTwo cash-credit components: crop-production KCC and Krishak Unnati credit for agricultural/allied development.View source
The PNB sheet names a crop-production component and a separate Krishak Unnati cash-credit component.
Source
Krishak Unnatti Yojana — PNB scheme
Page / section
page 1, Purpose and Quantum/Nature of Finance
Accessed
3 Oct 2026
Confidence
high
Open official source ↗
PurposeCrop production; land development such as fencing, bunding, trenching, levelling, clearance and drains; farm mechanisation; animal husbandry; and fisheries.View source
The scheme lists the crop-production and agricultural/allied development uses separately.
Source
Krishak Unnatti Yojana — PNB scheme
Page / section
page 1, Purpose
Accessed
3 Oct 2026
Confidence
high
Open official source ↗
EligibilityExisting good agricultural land-owner borrowers who have borrowed continuously from PNB for two years and had no loan account classified NPA during the preceding two years. Other scheduled-commercial-bank customers may qualify after two years of satisfactory dealings if none of their loan accounts was NPA in the preceding two years; PNB obtains and reviews statements for all their loan accounts for the previous 12 months.View source
The sets two-year account history and no- conditions, with an alternative consideration route for borrowers from other scheduled commercial banks.
Source
Krishak Unnatti Yojana — PNB scheme
Page / section
page 1, Eligibility
Accessed
3 Oct 2026
Confidence
high
Open official source ↗
Maximum amountUp to ₹10 lakh; the umbrella limit is the lowest of twice the KCC limit assessed for the proposed cropping pattern, 50% of the agricultural-land value used for calculation, or ₹10 lakh.View source
The umbrella sanction is the lowest of the two-times- measure, the land-value measure and the stated ₹10 lakh maximum.
Source
Krishak Unnatti Yojana — PNB scheme
Page / section
page 1, Quantum and Nature of Finance
Accessed
3 Oct 2026
Confidence
high
Open official source ↗
MarginNil.View source
The scheme's margin row states NIL.
Source
Krishak Unnatti Yojana — PNB scheme
Page / section
page 1, Margin
Accessed
3 Oct 2026
Confidence
high
Open official source ↗
Validity and reviewBoth components are valid for five years subject to annual review. The short-term cash-credit limit is reviewed annually to check that crop and other sale proceeds are routed through the account.View source
The bank distinguishes five-year component validity from annual review and the short-term credit review.
Source
Krishak Unnatti Yojana — PNB scheme
Page / section
page 2, Repayment, Renewal and Review
Accessed
3 Oct 2026
Confidence
high
Open official source ↗
Interest rateThe KCC component follows PNB's KCC terms; the current rate table lists regular KCC outstanding up to ₹3 lakh at 7.00% p.a. No separate Krishak Unnati-component rate is named on the reviewed current rate page.Effective 1 Oct 2026View source
The scheme says its crop-production component is ; the rate table names 7.00% only for regular outstanding up to ₹3 lakh. No rate is extrapolated to the separate component or other balances.
Source
PNB Interest Rates on Advances — current agriculture scheme rates
Page / section
Current agriculture advances table, regular outstanding up to ₹3 lakh; page 1, component
Accessed
3 Oct 2026
Confidence
high
Open official source ↗
Processing feeNil up to ₹3 lakh; 0.30% above ₹3 lakh. PNB charges this at sanction and renewal/enhancement, not for an in-validity review; the stated renewal interval is five years.Effective 15 Apr 2026View source
The current tariff explicitly names Krishak Unnati in its processing-fee timing rules and gives the threshold-based rates.
Source
PNB Credit Related Service Charges — Agriculture Credit schedule
Page / section
Effective 15 April 2026, section 12.1 processing charges for /KSY/Krishak Unnati
Accessed
3 Oct 2026
Confidence
high
Open official source ↗
Government incentiveGovernment of India and/or State Government prompt-repayment subvention or incentive may apply to eligible accounts under the KCC component.View source
The bank limits the stated prompt-repayment benefit to eligible accounts under the component; it publishes no percentage in this scheme .
Source
Krishak Unnatti Yojana — PNB scheme
Page / section
page 2, Other Guidelines
Accessed
3 Oct 2026
Confidence
high
Open official source ↗
Insurance optionsCrop insurance applies; the borrower may opt for available asset, accident or health insurance, with premiums paid through the loan account and borne by the farmer under the relevant scheme terms.View source
The farmer bears insurance premium according to the terms of each scheme; the document does not supply a premium amount.
Source
Krishak Unnatti Yojana — PNB scheme
Page / section
page 2, Other Guidelines
Accessed
3 Oct 2026
Confidence
high
Open official source ↗
Required documents named in schemeOther-bank applicants: statements for all loan accounts for the prior 12 months. Every applicant: end-use declaration/simple undertaking for the Krishak Unnati component.View source
The explicitly requires other-bank loan statements and says an end-use declaration/simple undertaking will be obtained.
Source
Krishak Unnatti Yojana — PNB scheme
Page / section
page 1, Eligibility and end-use declaration
Accessed
3 Oct 2026
Confidence
high
Open official source ↗

Benefits and features

  • Combined limit up to ₹10 lakh, also capped by twice the proposed limit and 50% of assessed agricultural-land value
  • Nil margin
  • Eligible component may receive government prompt-repayment incentives
  • Optional asset, accident and health insurance premiums may be paid through the loan account and are borne by the farmer

Eligibility

  • Existing good agricultural land-owner borrower; two years of continuous borrowing and no loan account in the last two years. Other-bank applicants need at least two years of satisfactory dealing and 12 months of loan-account statements.

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

Documents the bank lists

  • For applicants borrowing from another bank: statements for all loan accounts for the previous 12 months
  • End-use declaration/undertaking for the Krishak Unnati component

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 Interest Rates on Advances — current agriculture and specific-scheme ratesofficial-rate-table · current · accessed 6 Oct 2026
↗
Krishak Unnatti Yojana — PNB scheme PDFofficial-agriculture-scheme-pdf · current · accessed 3 Oct 2026
↗

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Loan repayment estimate

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One monthly payment₹19,382nineteen thousand three hundred eighty-two rupees
Interest paid over the full loan₹21,51,794twenty-one lakh fifty-one thousand seven hundred ninety-four rupees
Everything you repay₹46,51,794forty-six lakh fifty-one thousand seven hundred ninety-four 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

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Crop-production component · Published ruleCash credit under ; use follows crop-production scheme

This value is copied from Krishak Unnati — components, cap and review. Check the table notes before relying on it.

Source: Krishak Unnatti Yojana — PNB scheme · page 1, Purpose, Quantum and Nature of Finance, Margin; page 2, Repayment, Renewal and Review 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 columnsKrishak Unnati — components, cap and reviewView tableHide table

Scroll sideways to view every column

Krishak Unnati — components, cap and review
ItemPublished rule
Crop-production componentCash credit under ; use follows crop-production scheme
Krishak Unnati componentCash credit for land development, farm mechanisation, animal husbandry and fisheries
Overall maximum₹10 lakh
Umbrella limit calculationLowest of 2× limit for proposed cropping pattern; 50% of assessed agricultural-land value; ₹10 lakh
MarginNil
Component validityFive years, subject to annual review
Short-term cash-credit reviewAnnual; PNB checks routing of crop and other sale proceeds through the limit account
End useEnd-use declaration/simple undertaking for Krishak Unnati component
Krishak Unnatti Yojana — PNB scheme · page 1, Purpose, Quantum and Nature of Finance, Margin; page 2, Repayment, Renewal and Review · accessed 3 Oct 2026Open official source ↗
Table 2 · 8 rows · 2 columnsKrishak Unnati — eligibility, scheme incentive and insuranceView tableHide table

Scroll sideways to view every column

Krishak Unnati — eligibility, scheme incentive and insurance
TopicPublished conditions
PNB customer routeGood agricultural land owner; continuous borrowing from PNB for two years; no loan account during the preceding two years
Other-bank routeAt least two years of satisfactory dealings with another scheduled commercial bank and no loan account in the preceding two years
Other-bank recordsStatements for all loan accounts for the previous 12 months are obtained and reviewed
Government interest benefitPrompt-repayment subvention/incentive may apply to eligible component accounts
Crop insuranceIncluded as a scheme condition
Optional insuranceAsset, accident or health cover may be chosen if available; premium is borne by farmer under that scheme
component rateCurrent table: regular outstanding up to ₹3 lakh at 7.00% p.a.; no separate Krishak-component rate is named
Processing feeNil up to ₹3 lakh; 0.30% above ₹3 lakh; timing and review terms as stated in the current tariff
  • The interest rate is scoped to the component and only its published amount band. The second component's rate is not inferred.
Krishak Unnatti Yojana; PNB current agriculture rate and charge schedules · page 1, Eligibility; page 2, Other Guidelines; current rate table; agriculture fee schedule effective 15 April 2026 · accessed 3 Oct 2026Open official source ↗

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