IndiaBanks.org · independent research

Personal, home, vehicle & other loans

PNB Krishi Bhu-Swami Agri-Land Purchase Scheme

Term finance to buy and cultivate agricultural, fallow or wasteland. The states an extent of ₹20 lakh and specifies a valuation basis; it does not label that figure a universal sanctioned maximum.

Maximum amountTerm finance to buy and cultivate agricultural, fallow or wasteland. The PDF states an extent of ₹20 lakh and specifies a valuation basis; it does not label that figure a universal sanctioned maximum.Repayment period7–12 years in half-yearly or yearly instalments, including a maximum 24-month moratorium.Facility typeTerm loan
Official product page ↗Compare category

Quick eligibility check

PNB Krishi Bhu-Swami Agri-Land Purchase 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: Small and marginal farmers, sharecroppers, tenant farmers and entrepreneurs with an agricultural background?

Published source: Eligibility

2Do you meet this requirement: After purchase, total holding must not exceed 2.5 irrigated acres or 5 non-irrigated acres (or equivalent)?

Published source: Eligibility

3Do you meet this requirement: Land must be within 15 km of existing owned land or residence, or within the command area, whichever is higher?

Published source: Eligibility

4Can you provide this required proof: The land-purchase scheme also requires applicable valuation, title, mortgage, sale and registration documents?

Published source: Documents

5Do you meet this requirement: the PDF does not provide a complete checklist?

Published source: Documents

6Document 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 land-purchase scheme additionally requires valuation, title/security and sale/mortgage documentation; the sheet does not provide a full application checklist?

Published source: Documents

7Document 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
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.

Facility typeTerm loanView source
The objective identifies this as term finance to purchase and cultivate agricultural, fallow or wasteland.
Source
PNB Krishi Bhu-Swami Yojana (PNB Agri-Land Purchase Scheme)
Page / section
page 1, Objective and repayment
Accessed
7 Oct 2026
Confidence
high
Open official source ↗
PurposePurchase agricultural land, fallow land or wasteland for development and cultivation to increase agricultural production/productivity.View source
The stated objective names land purchase followed by development and cultivation.
Source
PNB Krishi Bhu-Swami Yojana (PNB Agri-Land Purchase Scheme)
Page / section
page 1, Objective
Accessed
7 Oct 2026
Confidence
high
Open official source ↗
Published loan extent and calculationThe scheme sheet states an extent of ₹20 lakh. The assessed extent uses the lowest of branch valuation, State guidance/circle rate, or registration value, plus stamp duty and registration charges for the sale/mortgage deed; the sheet does not label ₹20 lakh a universal sanctioned maximum.View source
The sheet says extent Rs.20 lakh and defines the valuation basis and included deed costs.
Source
PNB Krishi Bhu-Swami Yojana (PNB Agri-Land Purchase Scheme)
Page / section
page 1, Extent of Loan
Accessed
7 Oct 2026
Confidence
high
Open official source ↗
EligibilitySmall and marginal farmers, sharecroppers, tenant farmers and entrepreneurs with an agricultural background. After purchase, total holding must not exceed 2.5 irrigated acres or 5 non-irrigated acres (or equivalent). Land must be within 15 km of existing owned land or residence, or within the command area, whichever is higher.View source
The full post-purchase landholding cap and alternative distance/command-area condition are retained.
Source
PNB Krishi Bhu-Swami Yojana (PNB Agri-Land Purchase Scheme)
Page / section
page 1, Eligibility and location note
Accessed
7 Oct 2026
Confidence
high
Open official source ↗
SecurityMortgage existing land, if any, together with the land bought using bank finance; hypothecate crops grown on the land.View source
Both land mortgage and crop hypothecation are named as security.
Source
PNB Krishi Bhu-Swami Yojana (PNB Agri-Land Purchase Scheme)
Page / section
page 1, Security Norms
Accessed
7 Oct 2026
Confidence
high
Open official source ↗
Repayment period7–12 years in half-yearly or yearly instalments, including a maximum 24-month moratorium.View source
The maximum moratorium is included in the stated 7–12-year repayment term.
Source
PNB Krishi Bhu-Swami Yojana (PNB Agri-Land Purchase 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 land-purchase scheme also requires applicable valuation, title, mortgage, sale and registration documents; the PDF does not provide a complete checklist.View source
Scheme-specific valuation and deed/security conditions are listed in the full scheme table; no exhaustive checklist is claimed.
Source
PNB agriculture-credit checklist and Krishi Bhu-Swami scheme sheet
Page / section
General checklist; page 1, Extent and Security
Accessed
7 Oct 2026
Confidence
high
Open official source ↗
Geographic / site requirementPurchased land must be within 15 km of the applicant’s existing owned land or residence, or within the command area, whichever is greater.View source
The scheme sheet gives the 15 km and command-area alternatives for the purchased land; applicant and holding criteria remain in Eligibility.
Source
PNB Krishi Bhu-Swami Yojana — PNB scheme sheet
Page / section
page 1, Eligibility / land-location condition
Accessed
7 Oct 2026
Confidence
high
Open official source ↗
Maximum amountTerm finance to buy and cultivate agricultural, fallow or wasteland. The PDF states an extent of ₹20 lakh and specifies a valuation basis; it does not label that figure a universal sanctioned maximum.View source
The manually reviewed product summary states: “Term finance to buy and cultivate agricultural, fallow or wasteland. The states an extent of ₹20 lakh and specifies a valuation basis; it does not label that figure a universal sanctioned maximum.”.
Source
PNB Krishi Bhu-Swami Agri-Land Purchase Scheme — official product page
Page / section
Published loan terms in product summary
Accessed
7 Oct 2026
Confidence
high
Open official source ↗

Benefits and features

  • The stated limit includes eligible stamp duty and registration charges
  • The sheet gives a 7–12-year repayment period including up to 24 months' moratorium

Eligibility

  • After purchase, total landholding must not exceed 2.5 irrigated acres or 5 non-irrigated acres (or equivalent). Eligible land must be within 15 km of existing owned land or the applicant's residence, or within the command area, whichever is higher.

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 land-purchase scheme additionally requires valuation, title/security and sale/mortgage documentation; the sheet does not provide a full application 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 Krishi Bhu-Swami Yojana (PNB Agri-Land Purchase Scheme)official-scheme-pdf · current-catalogue-linked-scheme-sheet · accessed 7 Oct 2026
↗

Plan before applying

Try the numbers

Private, instant and based on the values you enter.

Try your numbers

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.

Purpose · Published termTerm finance to buy agricultural, fallow or wasteland and develop/cultivate it to raise production/productivity.

This value is copied from PNB Krishi Bhu-Swami — complete published conditions. Check the table notes before relying on it.

Source: PNB Krishi Bhu-Swami Yojana (PNB Agri-Land Purchase 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 · 8 rows · 2 columnsPNB Krishi Bhu-Swami — complete published conditionsAll purpose, amount valuation, borrower/landholding, security, repayment and land-location conditions.View tableHide table

Scroll sideways to view every column

PNB Krishi Bhu-Swami — complete published conditions
Scheme itemPublished term
PurposeTerm finance to buy agricultural, fallow or wasteland and develop/cultivate it to raise production/productivity.
Published extent₹20 lakh.
Amount calculationUse the lowest of branch-assessed valuation, State guidance value/circle rate or registration value, plus stamp duty and registration charges for the sale/mortgage deed.
Eligible applicantsSmall/marginal farmers, sharecroppers, tenant farmers and entrepreneurs with agricultural background.
Post-purchase landholdingMust not exceed 2.5 irrigated acres or 5 non-irrigated acres (or equivalent).
SecurityMortgage existing land, if any, plus land purchased with finance; hypothecate crops grown on it.
Repayment / instalments7–12 years, half-yearly or yearly instalments, including a maximum 24-month moratorium.
LocationWithin 15 km of existing owned land or residence, or within the command area, whichever is higher.
PNB Krishi Bhu-Swami Yojana (PNB Agri-Land Purchase 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

Scroll sideways to view every column

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

Scroll sideways to view every column

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 ↗

More from Punjab National Bank

Related products

PNB Advance against FCNR(B) Deposit

A deposit-backed loan for , generally based on a percentage of an (B) deposit. PNB publishes maturity-based margins, a 1–5-year tenure range, and separate rupee and foreign-currency pricing routes.

View product

PNB Agriclinic and Agribusiness Centres Scheme

Need-based finance for eligible agriculture graduates and other listed candidates setting up farm-advisory clinics or agribusiness service centres.

View product

PNB Agriculture Infrastructure Fund Scheme

Term finance for eligible post-harvest infrastructure and community-farming assets, with project-cost-based limits, a published margin schedule and interest subvention on eligible lending.

View product

PNB Agriculture Marketing Infrastructure (AMI) Finance

Need-based finance for agricultural marketing and post-harvest infrastructure. AMI subsidy applications and new sanctions are in abeyance pending fresh budget allocation; PNB's older linked percentage/cap table is preserved as historical reference, not a currently available benefit.

View product