Key facts
What the official sources publish
Every value belongs to this exact product. Expand any fact to inspect its official evidence in place.
PurposeFinance for upgrading existing micro food-processing enterprises; support also covers food-processing groups and their value chains.View source
The PNB sheet describes finance and support for upgrading existing micro food-processing enterprises.
- Source
- PMFME Scheme — current PNB terms
- Page / section
- page 1, scheme description
- Accessed
- 3 Oct 2026
- Confidence
- high
Maximum financeNeed-based, up to 90% of project cost.View source
The current PNB term sheet states need-based finance subject to a maximum of 90% of project cost.
- Source
- PMFME Scheme — current PNB terms
- Page / section
- page 1, Quantum of Loan
- Accessed
- 3 Oct 2026
- Confidence
- high
Repayment tenureUp to 10 years, inclusive of a one-year moratorium.View source
The table sets a maximum ten-year repayment tenure inclusive of one year of moratorium.
- Source
- PMFME Scheme — current PNB terms
- Page / section
- page 1, Repayment Tenure
- Accessed
- 3 Oct 2026
- Confidence
- high
Additional AIF interest subventionEligible PMFME beneficiaries may apply for an additional 3% AIF interest subvention over the PMFME credit-linked subsidy. It is conditional on the activity and rate tests below; it is not an automatic PNB loan-rate reduction.View source
The instruction states that PMFME beneficiaries seeking credit-linked subsidy can avail additional interest subvention at 3% on interest charged by banks, over and above PMFME's 35% subsidy, subject to the document's stated eligibility conditions.
- Source
- Instruction for Application for Convergence Benefit under PMFME Scheme with Scheme
- Page / section
- page 1, PMFME– convergence benefit; page 7, eligibility
- Accessed
- 8 Oct 2026
- Confidence
- high
Credit-linked subsidy35% of project cost for individuals, capped at ₹10 lakh.View source
The current PNB row gives 35% of project cost for individuals with a ₹10 lakh maximum ceiling.
- Source
- PMFME Scheme — current PNB terms
- Page / section
- page 1, Credit Linked Grant/Subsidy
- Accessed
- 3 Oct 2026
- Confidence
- high
MarginMaximum 40% of capital cost.View source
The bank table states a maximum margin of 40% of capital cost; the PNB wording is preserved without redefining the calculation base.
- Source
- PMFME Scheme — current PNB terms
- Page / section
- page 1, Margin
- Accessed
- 3 Oct 2026
- Confidence
- high
Group assistanceFPOs and producer cooperatives: 35% grant with credit linkage and training. SHGs: seed capital of ₹40,000 per member for working capital and small tools; an individual SHG member processing unit may receive a 35% credit-linked grant capped at ₹10 lakh; SHG-federation capital investment has a 35% credit-linked grant.View source
The PNB sheet gives distinct grant, seed-capital and federation-support terms by group type.
- Source
- -FME Scheme — PNB catalogue sheet
- Page / section
- page 1, Support to Group Category and support
- Accessed
- 3 Oct 2026
- Confidence
- high
Eligibility for additional AIF benefitIndividual PMFME support is for upgrading an existing micro food-processing unit. For the additional AIF benefit, the project must include both primary and secondary processing of agricultural produce (excluding dairy, fisheries and animal feed), and the bank's interest rate must be below 9%.View source
PNB's current sheet describes finance for upgrading existing micro food-processing enterprises. The Ministry's additional-benefit test requires primary and secondary processing, states the exclusions, and requires the bank rate to be below 9%.
- Source
- Current PNB PMFME terms; Instruction for Application for Convergence Benefit under PMFME Scheme with Scheme
- Page / section
- PNB page 1, scheme description; Ministry instruction page 7, Eligibility Criteria items i–ii
- Accessed
- 8 Oct 2026
- Confidence
- high
AIF convergence application detailsThe AIF application uses the PMFME Application ID, PMFME-approved detailed project report, bank sanction letter, and primary/secondary processing activity and cost details. The form also asks for total capital costs, proposed loan amounts and promoter contribution.View source
The instruction lists the PMFME application , approved DPR, sanction letter, activity cost information and primary/secondary capital and loan amounts; page 4 specifies promoter contribution under guidelines.
- Source
- Instruction for Application for Convergence Benefit under PMFME Scheme with Scheme
- Page / section
- pages 1–5, application steps and information fields
- Accessed
- 8 Oct 2026
- Confidence
- high
Minimum beneficiary contributionAt least 10% of eligible project cost; the remaining amount is a bank loan under the Ministry's individual-unit PMFME description. PNB separately publishes need-based finance up to 90% of project cost. This is distinct from PNB's separately stated maximum margin of 40% of capital cost.View source
The Ministry page specifies minimum 10% beneficiary contribution and says the balance should be a bank loan; PNB's current term sheet independently caps need-based finance at 90% of project cost. The PNB maximum margin uses the distinct wording 'capital cost' and is not substituted for this scheme contribution.
- Source
- PMFME — Upgradation of Individual Micro Food Processing Units; current PNB PMFME terms
- Page / section
- Ministry page, section 1; PNB page 1, Quantum of Loan and Margin
- Accessed
- 8 Oct 2026
- Confidence
- high
Facility typeNeed-based project finance under PMFME for upgrading existing micro food-processing enterprises; the current PNB sheet allows finance up to 90% of project cost, subject to appraisal.View source
The current PNB sheet describes support to upgrade existing micro food-processing enterprises and need-based finance up to 90% of project cost.
- Source
- PMFME Scheme — current PNB terms
- Page / section
- page 1, scheme description and Quantum of Loan
- Accessed
- 8 Oct 2026
- Confidence
- high
Takeover chargePNB's current tariff covers takeover by another bank/ FI for non-individual borrowers: term loans, 2% of the amount prepaid; CC/ OD, 2% of sanctioned limit. The CC/ OD charge is not levied when three months' written notice is given and the account closes on its due date. The tariff lists exceptions, including floating-rate advances to individual and MSE borrowers; applicability depends on borrower, facility and rate type. This is not a blanket charge for ordinary early repayment.View source
The tariff states a 2% term-loan amount-prepaid charge and 2% CC/sanctioned-limit charge on takeovers by another lender for non-individual borrowers, with a three-month notice/ due-date condition for the CC/ charge and listed borrower/ rate-type exemptions.
- Source
- PNB Credit Related Service Charges — current page
- Page / section
- Page last updated 1 October 2026; section 10.15, non-individual borrower takeover charges and exemptions
- Accessed
- 8 Oct 2026
- Confidence
- high
AIF eligible project and processing activitiesThe AIF annexure lists eligible projects for all beneficiaries, a separate list of community-farming assets for farmer groups, and crop-specific primary-processing activities with exclusions. The tables below preserve the published distinctions; inclusion in an AIF list does not itself establish loan sanction or PMFME–AIF benefit eligibility.View source
Annexure I separates eligible projects for all beneficiaries from community-farming assets for specified farmer groups and gives crop-wise eligible and not-eligible primary-processing activities.
- Source
- Instruction for Application for Convergence Benefit under PMFME Scheme with Scheme
- Page / section
- pages 8–13, Annexure I: eligible projects and crop-wise primary-processing matrix
- Accessed
- 9 Oct 2026
- Confidence
- high
Primary and secondary project-cost estimateThe AIF application form separates civil work from primary- and secondary-processing plant and machinery. It asks for units, capacity and amount for machinery, subtotals and a grand total; the PDF supplies no filled cost or capacity values.View source
The form has separate primary- and secondary-processing plant-and-machinery sections with units, capacity and amount, plus civil work and subtotals/grand total; its footnote says machinery estimates are as per available technology.
- Source
- Instruction for Application for Convergence Benefit under PMFME Scheme with Scheme
- Page / section
- page 14, Annexure II, Bifurcation of Primary and Secondary Capital Cost
- Accessed
- 9 Oct 2026
- Confidence
- high
Benefits and features
- Finance up to 90% of project cost
- Individual credit-linked subsidy of 35% of project cost, capped at ₹10 lakh
- Repayment up to 10 years including a one-year moratorium
- Group-level seed-capital and credit-linked support is separately described
Eligibility
- The PNB sheet targets existing micro food-processing enterprises; group assistance is described for , producer cooperatives and . The reviewed PNB sheets do not provide a complete applicant-document checklist.
Passing a listed condition does not mean the bank will approve an application.