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PNB Minor Irrigation Finance

Need-based finance for pumpsets, wells, borewells, sprinkler/drip systems, solar pumps and other listed irrigation facilities. Repayment and gestation vary by facility type.

Repayment and gestationPumpsets 9 years; well deepening/Persian wheels/Rahat 5 years; watercourse/field channels 9–15 years; sprinkler/drip 10–15 years; listed wells, lift irrigation and CAD/OFD facilities 11–15 years. Gestation: pumpsets 12 months, OFD 24 months, lift irrigation 36 months, others up to 1 year.Geographic / site requirementThe project must be in a groundwater-assessment ‘white area’; tubewells must be at least 200 square yards apart.
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Quick eligibility check

PNB Minor Irrigation 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: Normally at least 1 acre of agricultural land?

Published source: Eligibility

2Do you meet this requirement: the rule does not apply to projects sponsored by DRDA, SGSY or a State Development Agency?

Published source: Eligibility

3Do you meet this requirement: Project must be in a white area, technically feasible and economically viable?

Published source: Eligibility

4Do you meet this requirement: Tubewells must be at least 200 square yards apart?

Published source: Eligibility

5Do you meet this requirement: The scheme additionally requires priced invoices supported by the listed manufacturer, State Government, NABARD or bank unit-cost sources?

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 scheme also requires eligible manufacturer/state-government/NABARD/bank pricing evidence for the financed items?

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.

PurposePumpsets; well deepening or repairs; borewells and shallow tubewells; sprinkler and drip sets; solar pumps; windmills; lift irrigation; and generator sets to energise pumpsets.View source
The complete list of equipment and irrigation activities from the scheme page is retained.
Source
Scheme for Financing Minor Irrigation Activities
Page / section
page 1, Purpose
Accessed
7 Oct 2026
Confidence
high
Open official source ↗
EligibilityNormally at least 1 acre of agricultural land; the rule does not apply to projects sponsored by DRDA, SGSY or a State Development Agency. Project must be in a white area, technically feasible and economically viable. Tubewells must be at least 200 square yards apart.View source
The sponsored-programme exceptions and site feasibility/separation rules are preserved.
Source
Scheme for Financing Minor Irrigation Activities
Page / section
page 1, Eligibility
Accessed
7 Oct 2026
Confidence
high
Open official source ↗
Repayment and gestationPumpsets 9 years; well deepening/Persian wheels/Rahat 5 years; watercourse/field channels 9–15 years; sprinkler/drip 10–15 years; listed wells, lift irrigation and CAD/OFD facilities 11–15 years. Gestation: pumpsets 12 months, OFD 24 months, lift irrigation 36 months, others up to 1 year.View source
The facility-specific periods and separate gestation periods are transcribed in the scheme table.
Source
Scheme for Financing Minor Irrigation Activities
Page / section
page 1, Repayment and Gestation Period
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 additionally requires priced invoices supported by the listed manufacturer, State Government, NABARD or bank unit-cost sources.View source
The scheme-specific cost-support requirement is linked in the terms table; no full application checklist is published.
Source
PNB agriculture-credit checklist and Minor Irrigation scheme sheet
Page / section
General checklist; page 1, Extent of Loan
Accessed
7 Oct 2026
Confidence
high
Open official source ↗
Geographic / site requirementThe project must be in a groundwater-assessment ‘white area’; tubewells must be at least 200 square yards apart.View source
The scheme requires the project to be in a white area and states the 200-square-yard minimum separation for tubewells; the full applicant, land and feasibility criteria remain in Eligibility.
Source
Scheme for Financing Minor Irrigation Activities — PNB scheme sheet
Page / section
page 1, Eligibility and technical conditions
Accessed
7 Oct 2026
Confidence
high
Open official source ↗

Benefits and features

  • The scheme lists conventional, micro-irrigation and solar/wind-powered equipment
  • The provides facility-specific repayment and gestation periods

Eligibility

  • The standard minimum is 1 acre of agricultural land; this condition does not apply to projects sponsored by DRDA, SGSY or a State Development Agency. The project must be technically feasible and economically viable in a white area.

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 also requires eligible manufacturer/state-government//bank pricing evidence for the financed items.

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
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PNB Interest Rates on Advances — current agriculture and specific-scheme ratesofficial-rate-table · current · accessed 7 Oct 2026
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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
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PNB Credit Related Service Charges — current pageofficial-service-charge-page · current-charge-schedule-reviewed-scoped-sections · accessed 8 Oct 2026
↗
Scheme for Financing Minor Irrigation Activitiesofficial-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.

Use the published table

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Purpose · Published termPumpsets; well deepening/repairs; borewells and shallow tubewells; sprinkler/drip sets; solar pumps; windmills; lift irrigation; generators for pumpsets.

This value is copied from PNB Minor Irrigation Scheme — complete published conditions. Check the table notes before relying on it.

Source: Scheme for Financing Minor Irrigation Activities · 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 · 13 rows · 2 columnsPNB Minor Irrigation Scheme — complete published conditionsFull activity list, site/applicant rules, cost basis and facility-specific repayment and gestation terms.View tableHide table

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PNB Minor Irrigation Scheme — complete published conditions
Scheme itemPublished term
PurposePumpsets; well deepening/repairs; borewells and shallow tubewells; sprinkler/drip sets; solar pumps; windmills; lift irrigation; generators for pumpsets.
LandholdingMinimum 1 acre agricultural land, except projects sponsored by DRDA, SGSY or a State Development Agency.
Site and feasibilityProject must be in a white area and technically feasible/economically viable.
Tubewell spacingAt least 200 square yards between tubewells.
Loan extent / price supportNeed-based; price/invoice must follow manufacturer price list, concerned State Government rate contract, or /bank-approved unit cost.
Pumpsets — repayment / gestation9 years / 12 months.
Well deepening, Persian wheels and Rahat — repayment5 years.
Watercourse / field channels — repayment9–15 years.
Sprinkler/drip irrigation — repayment10–15 years.
Filter point/pumpset, shallow tubewell, borewell, dug well (with/without pump), lift irrigation and /OFD — repayment11–15 years.
OFD — gestation24 months.
Lift irrigation — gestation36 months.
Other facilities — gestationUp to 1 year.
Scheme for Financing Minor Irrigation Activities · 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

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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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