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PNB Krishi Tatkal Rin

An emergency agriculture term loan based on 25% of an existing PNB or Kisan Samriddhi limit, from ₹1,000 to ₹1 lakh, with five annual instalments beginning after the first 12 months.

RateMCLR +1.25%; PNB's product page does not name the MCLR tenor for this scheme.Loan amountMinimum ₹1,000; maximum ₹1 lakh, limited to 25% of the existing KCC or Kisan Samriddhi Yojana limit.Tenure5 years.
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Quick eligibility check

PNB Krishi Tatkal Rin

0 of 9 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 PNB KCC holders or Kisan Samriddhi Yojana borrowers with a satisfactory two-year track record?

Published source: Eligibility

2Do you meet this requirement: The page states existing accounts should be Standard/CBR-0/SMA-0, then says CBR-0/SMA-0 accounts as of application/sanction are ineligible and only standard and regular accounts at application qualify?

Published source: Eligibility

3Do you meet this requirement: A previously availed Krishi Tatkal facility is allowed only if fully repaid by application date?

Published source: Eligibility

4Do you meet this requirement: joint borrowers are not eligible?

Published source: Eligibility

5Can you provide this required proof: PNB does not identify extra Krishi Tatkal-specific documents in this checklist?

Published source: Agriculture-credit checklist

6Document checkDo you have this required document or proof: Agriculture-credit application form?

Published source: Agriculture-credit checklist

7Document checkDo you have this required document or proof: Identity proof?

Published source: Agriculture-credit checklist

8Document checkDo you have this required document or proof: Residence proof?

Published source: Agriculture-credit checklist

9Document checkDo you have this required document or proof: Two recent photographs (not older than six months)?

Published source: Agriculture-credit checklist
0 of 9 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.

PurposeFarm equipment or irrigation, crop production, household needs and other agricultural activities.Effective 18 Oct 2025View source
The current page lists equipment/irrigation, crop production and household/agricultural needs.
Source
PNB Krishi Tatkal Rin
Page / section
Purpose
Accessed
3 Oct 2026
Confidence
high
Open official source ↗
EligibilityExisting PNB KCC holders or Kisan Samriddhi Yojana borrowers with a satisfactory two-year track record. The page states existing accounts should be Standard/CBR-0/SMA-0, then says CBR-0/SMA-0 accounts as of application/sanction are ineligible and only standard and regular accounts at application qualify. A previously availed Krishi Tatkal facility is allowed only if fully repaid by application date; joint borrowers are not eligible.Effective 18 Oct 2025View source
The current eligibility paragraph contains different account-category clauses; they are preserved without attempting to reconcile the bank's wording.
Source
PNB Krishi Tatkal Rin
Page / section
Eligibility
Accessed
3 Oct 2026
Confidence
high
Open official source ↗
Loan amountMinimum ₹1,000; maximum ₹1 lakh, limited to 25% of the existing KCC or Kisan Samriddhi Yojana limit.Effective 18 Oct 2025View source
The current page names both and KSY as the existing-limit basis and gives ₹1,000/₹1 lakh lower/upper bounds.
Source
PNB Krishi Tatkal Rin
Page / section
Extent of Loan
Accessed
3 Oct 2026
Confidence
high
Open official source ↗
RateMCLR +1.25%; PNB's product page does not name the MCLR tenor for this scheme.Effective 18 Oct 2025View source
The page says 'Presently, + 1.25%' and does not specify one-month, six-month or one-year tenor; no benchmark tenor or rupee rate is inferred.
Source
PNB Krishi Tatkal Rin
Page / section
Rate of Interest
Accessed
3 Oct 2026
Confidence
high
Open official source ↗
RepaymentFive years, repaid in five yearly instalments starting 12 months after disbursement.Effective 18 Oct 2025View source
The page specifies a five-year term loan with five annual instalments after a twelve-month interval.
Source
PNB Krishi Tatkal Rin
Page / section
Nature of Loan and Repayment
Accessed
3 Oct 2026
Confidence
high
Open official source ↗
Published chargesMargin: nil. Service charge: nil. CIBIL charge: ₹100 + GST.Effective 18 Oct 2025View source
PNB lists nil service charges separately from the ₹100 plus credit-information fee.
Source
PNB Krishi Tatkal Rin
Page / section
Margin; Service Charges/ Charges
Accessed
3 Oct 2026
Confidence
high
Open official source ↗
Additional securityNo additional security is required under the current product page.Effective 18 Oct 2025View source
The current page states that no additional security is required; the older continuity terms are not substituted.
Source
PNB Krishi Tatkal Rin
Page / section
Security
Accessed
3 Oct 2026
Confidence
high
Open official source ↗
DisbursementInstant disbursement to the borrower's savings account, as stated by PNB.Effective 18 Oct 2025View source
PNB says the loan is disbursed into the borrower's savings account.
Source
PNB Krishi Tatkal Rin
Page / section
Disbursement
Accessed
3 Oct 2026
Confidence
high
Open official source ↗
Agriculture-credit checklistPNB's general agriculture-credit checklist asks for the completed application form, identity proof, residence proof, two photographs not older than six months, and land-record particulars. PNB does not identify extra Krishi Tatkal-specific documents in this checklist.View source
This is the general agriculture-credit checklist; it is not presented as an exhaustive Krishi Tatkal-specific form list.
Source
PNB Agricultural Banking — agriculture-credit document checklist
Page / section
Documents Required for Agriculture Loan
Accessed
3 Oct 2026
Confidence
high
Open official source ↗
Tenure5 years.Effective 18 Oct 2025View source
PNB states five yearly instalments beginning 12 months after disbursement; the repayment fact retains that schedule detail.
Source
PNB Krishi Tatkal Rin
Page / section
Nature of Loan and Repayment
Accessed
4 Oct 2026
Confidence
high
Open official source ↗
Rate benchmarkMCLR; the product page does not specify the tenor.Effective 18 Oct 2025View source
The live page says “Presently, +1.25%” and does not name a tenor.
Source
PNB Krishi Tatkal Rin
Page / section
Rate of Interest
Accessed
4 Oct 2026
Confidence
high
Open official source ↗
Facility typeTerm loan.Effective 18 Oct 2025View source
The current product page labels the facility a “Term Loan for 5 years.”
Source
PNB Krishi Tatkal Rin
Page / section
Nature of Loan
Accessed
4 Oct 2026
Confidence
high
Open official source ↗

Benefits and features

  • Published minimum ₹1,000 and maximum ₹1 lakh, limited to 25% of the existing or Kisan Samriddhi limit
  • Five-year term with five annual instalments beginning after 12 months
  • Nil margin, nil service charge and no additional security under the current product page
  • The page states instant disbursement to the borrower's savings account

Eligibility

  • The current page requires an existing /KSY relationship and a satisfactory two-year track record. It also states that CBR-0/SMA-0 accounts as of application/sanction are ineligible and that only standard and regular accounts qualify; these clauses are retained as PNB writes them because the wording is internally difficult to reconcile.

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

Documents the bank lists

  • Agriculture-credit application form
  • Identity proof
  • Residence proof
  • Two recent photographs (not older than six months)
  • Land-record particulars

Related official documents

PNB Agriculture Loan Schemes catalogueofficial-product-catalogue-page · current · accessed 6 Oct 2026
↗
PNB Agricultural Banking — documents required for agriculture loanofficial-agriculture-banking-page · current · accessed 7 Oct 2026
↗
PNB Interest Rates on Advances — current agriculture and specific-scheme ratesofficial-rate-table · current · accessed 6 Oct 2026
↗
PNB Kisan Tatkal Rin Yojana — older catalogue-linked scheme PDFofficial-scheme-pdf · stale · accessed 3 Oct 2026
↗
PNB Krishi Tatkal Rin — current product pageofficial-product-page · current · accessed 3 Oct 2026
↗

Plan before applying

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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

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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 · Current page termFarm equipment/irrigation; crop production; household needs or other agricultural activities

This value is copied from PNB Krishi Tatkal Rin — terms on current product page. Check the table notes before relying on it.

Source: PNB Krishi Tatkal Rin — current product page · Purpose through Disbursement Open official source ↗

Published tables

Complete rates, limits and schedules

Tables preserve every reviewed row and column from the cited official source.

Table 1 · 12 rows · 2 columnsPNB Krishi Tatkal Rin — terms on current product pageView tableHide table

Scroll sideways to view every column

PNB Krishi Tatkal Rin — terms on current product page
ParameterCurrent page term
PurposeFarm equipment/irrigation; crop production; household needs or other agricultural activities
Eligible relationshipExisting holders or Kisan Samriddhi Yojana borrowers
Track record / account wordingTwo-year satisfactory track record; page includes both Standard/CBR-0/SMA-0 and a later exclusion of CBR-0/SMA-0 at application/sanction, then says only standard and regular accounts qualify; see eligibility fact for exact conflict
Repeat borrowingEarlier Krishi Tatkal Rin must be fully repaid by application date
Joint borrowersNot eligible
FacilityTerm loan; five yearly instalments starting after 12 months
Amount25% of existing /KSY limit; minimum ₹1,000; maximum ₹1 lakh
Margin / service chargeNil / nil
charge₹100 +
Additional securityNone required under the page
Interest rate +1.25%; page does not specify tenor
DisbursementInstant disbursement to borrower savings account, as stated by PNB
  • The product page footer says last updated 18 October 2025. It is the current live scheme page and takes precedence over the older catalogue-linked for the public current comparison.
  • The CBR-0/SMA-0 wording is internally hard to reconcile and is not normalized into a different eligibility rule.
PNB Krishi Tatkal Rin — current product page · Purpose through Disbursement · effective 18 Oct 2025 · accessed 3 Oct 2026Open official source ↗
Table 2 · 4 rows · 2 columnsOlder PNB Krishi Tatkal scheme PDF — stale/conflicting rowsOne-page older source retained for provenance; values below are not treated as current product terms.View tableHide table

Scroll sideways to view every column

Older PNB Krishi Tatkal scheme PDF — stale/conflicting rows
ParameterOlder wording (not current comparison value)
EligibilityExisting /agriculture-allied borrowers; individual or joint borrowers up to four; two-year record in Standard/SMA-0 categories
Facility typeEither reducing overdraft with annual drawing-power reset or a term loan
Loan amountNeed-based, 25% of existing limit, maximum ₹50,000
SecurityExisting facility security continues but is not extended; no additional security even if combined exposure exceeds the former ₹1.60 lakh cutoff
  • PNB's live page now says individual borrowers only, term loan only, /KSY basis and maximum ₹1 lakh. The older is preserved to explain the conflict; its option and ₹50,000 cap are not presented as current.
PNB Kisan Tatkal Rin Yojana — older scheme · Single page, eligibility, nature/extent of loan and security · accessed 3 Oct 2026Open official source ↗

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