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PNB Financing Poultry Farming

Investment credit for poultry sheds and equipment plus production credit for chicks, feed and medicines. The sheet separates subsidiary units from commercial main-activity farms and gives distinct repayment terms for layers and broilers.

Repayment periodProduction credit: layers, maximum 18 months with 6 months' gestation; broilers, maximum 12 months with 3 months' gestation. Investment credit: 6–7 years, including 12 months' gestation for layers and up to 3 months for broilers.PurposeConstruct poultry sheds and purchase equipment; finance day-old chicks, feed and medicines.How the amount is setInvestment and production credit are considered as a package; main-activity unit size is set by the project's techno-economic appraisal.
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PNB Financing Poultry Farming

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.

1Does your annual income meet this requirement: Subsidiary activity: small farmers, landless agricultural labourers or other underemployed people seeking supplementary income, with the land/shed needed for the unit?

Published source: Eligibility

2Do you meet this requirement: Main activity: applicant's main vocation is commercial poultry farming, with experience and the required land/shed?

Published source: Eligibility

3Do you meet this requirement: It is not stated to be exhaustive for landless applicants or entity borrowers?

Published source: General agriculture-credit document checklist

4Does your annual income meet this requirement: A subsidiary unit is for a small farmer, landless agricultural labourer or underemployed person seeking supplementary income who has the required land/shed?

5Do you meet this requirement: the sheet sets a minimum unit size of 500 birds?

6Document checkDo you have this required document or proof: Duly filled agriculture-credit application?

Published source: General agriculture-credit document checklist

7Document checkDo you have this required document or proof: Self-attested identity proof?

Published source: General agriculture-credit document checklist

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

Published source: General agriculture-credit document checklist

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

Published source: General agriculture-credit document checklist
0 of 9 answeredAnswer the remaining questions to see your checklist result.
✓ Manually checked 6 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 typeInvestment credit for poultry sheds and equipment, plus production credit for day-old chicks, feed and medicines; both requirements are considered as a package.View source
Purpose clause distinguishes investment credit from production credit and the extent clause says both are considered as a package.
Source
Financing Poultry Farming
Page / section
page 1, Purpose and Extent of Loan
Accessed
6 Oct 2026
Confidence
high
Open official source ↗
PurposeConstruct poultry sheds and purchase equipment; finance day-old chicks, feed and medicines.View source
Complete stated investment-credit and production-credit purposes.
Source
Financing Poultry Farming
Page / section
page 1, Purpose
Accessed
6 Oct 2026
Confidence
high
Open official source ↗
EligibilitySubsidiary activity: small farmers, landless agricultural labourers or other underemployed people seeking supplementary income, with the land/shed needed for the unit. Main activity: applicant's main vocation is commercial poultry farming, with experience and the required land/shed.View source
The sheet has separate subsidiary and main-activity applicant tests.
Source
Financing Poultry Farming
Page / section
page 1, Eligibility (a–b)
Accessed
6 Oct 2026
Confidence
high
Open official source ↗
How the amount is setInvestment and production credit are considered as a package; main-activity unit size is set by the project's techno-economic appraisal.View source
The source links the unit size to appraisal and treats investment and production credit together; it does not state a rupee ceiling.
Source
Financing Poultry Farming
Page / section
page 1, Extent of Loan
Accessed
6 Oct 2026
Confidence
high
Open official source ↗
Repayment periodProduction credit: layers, maximum 18 months with 6 months' gestation; broilers, maximum 12 months with 3 months' gestation. Investment credit: 6–7 years, including 12 months' gestation for layers and up to 3 months for broilers.View source
The prints 18/12 months and 6/3 months respectively for layers/broilers; the two cases are kept distinct.
Source
Financing Poultry Farming
Page / section
page 1, Repayment (a–b)
Accessed
6 Oct 2026
Confidence
high
Open official source ↗
Conditional collateral for bird-insurance waiverFor a bird-insurance waiver, PNB requires realizable collateral security of at least 100% of the loan amount. This is one condition for a case-by-case waiver, not a published universal security rule for every poultry loan.View source
The clause applies only when the Circle Head considers waiver of bird insurance; the source does not state an ordinary collateral rule here.
Source
Financing Poultry Farming
Page / section
page 1, Insurance (a–c)
Accessed
6 Oct 2026
Confidence
high
Open official source ↗
Poultry-stock and asset insuranceBird insurance may be waived case by case only with Circle Head approval after assessment of risk-bearing and repayment capacity, realizable collateral of at least 100% of the loan amount, and regular veterinary backup. Buildings, feed and other connected fixed assets must still be insured under PNB's extant guidelines. No financing is permitted for the battery-cage component of poultry projects across India.View source
All three bird-waiver conditions, continued insurance of other assets, and the stated nationwide battery-cage financing restriction are retained.
Source
Financing Poultry Farming
Page / section
page 1, Insurance (a–c) and battery-cage note
Accessed
6 Oct 2026
Confidence
high
Open official source ↗
Agriculture-loan application disposal timePNB's general agriculture guideline lists maximum times by credit limit: up to ₹2 lakh, 2 weeks; above ₹2 lakh to ₹50 lakh, 4 weeks; above ₹50 lakh to ₹1 crore, 5–6 weeks; above ₹1 crore to ₹100 crore, 6–7 weeks; above ₹100 crore, 8–9 weeks. This is general guidance, not a date promise for an individual poultry application.View source
The complete published credit-limit/time matrix is retained as a linked table; the bank calls these maximum time schedules.
Source
PNB General Guidelines for Agricultural Credit
Page / section
Section 1, Time Schedule for Disposal of Loan Applications
Accessed
6 Oct 2026
Confidence
high
Open official source ↗
Conditional takeover/prepayment rulePNB's current schedule lists 2% of the amount prepaid for a non-individual borrower taking over a term loan to move to another bank/FI, and 2% of the sanctioned limit for a non-individual borrower closing CC/OD before due date to shift lenders. It also lists a CC/OD no-charge condition with written non-renewal notice 3 months before due date and multiple borrower/facility-specific exemptions; this is not a blanket poultry-loan charge.View source
The source's 2% rules and exceptions are conditional on borrower type, facility, purpose, rate and closure route.
Source
PNB Credit Related Service Charges — current page
Page / section
Section 10.15, complete takeover/prepayment conditions and exceptions
Accessed
6 Oct 2026
Confidence
high
Open official source ↗

Benefits and features

  • Investment and production credit are considered together as a package
  • For a subsidiary activity, the sheet specifies a minimum unit of 500 birds
  • The sheet allows bird-insurance waiver only under stated approval, collateral, risk and veterinary-backup conditions

Eligibility

  • A subsidiary unit is for a small farmer, landless agricultural labourer or underemployed person seeking supplementary income who has the required land/shed; the sheet sets a minimum unit size of 500 birds.
  • A main-activity unit requires commercial poultry-farming experience and the required land/shed.

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

Documents the bank lists

  • Duly filled agriculture-credit application
  • Self-attested identity proof
  • Residence proof
  • Two recent applicant photographs not older than six months
  • Land-record particulars; PNB does not say this general checklist is exhaustive or addresses every landless/entity case

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 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 6 Oct 2026
↗
PNB Credit Related Service Charges — current pageofficial-service-charge-page · current-charge-schedule-reviewed-scoped-sections · accessed 8 Oct 2026
↗
Financing Poultry Farmingofficial-scheme-pdf · current-catalogue-linked-scheme-sheet · accessed 6 Oct 2026
↗

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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

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Investment credit · Published termConstruction of sheds and purchase of equipment.

This value is copied from PNB Poultry Farming Finance — complete published terms. Check the table notes before relying on it.

Source: Financing Poultry Farming · page 1, complete scheme sheet Open official source ↗

Published tables

Complete rates, limits and schedules

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

Table 1 · 14 rows · 2 columnsPNB Poultry Farming Finance — complete published termsFull one-page transcription, including different applicant routes, layers/broilers repayment and the conditional insurance exception.View tableHide table

Scroll sideways to view every column

PNB Poultry Farming Finance — complete published terms
Section / casePublished term
Investment creditConstruction of sheds and purchase of equipment.
Production creditPurchase of day-old chicks, feed and medicines.
Eligibility — subsidiary activitySmall farmer, landless agricultural labourer or other underemployed person intending to supplement income and having the required land/shed.
Eligibility — main activityExperienced commercial poultry operator whose main vocation is poultry and who has the required land/shed.
Loan extent — subsidiaryNeed-based; minimum unit of 500 birds.
Loan extent — main activityUnit size as per techno-economic appraisal of the project.
Loan packagingInvestment-credit and production-credit requirements are considered as a package.
Production repayment — layersMaximum 18 months with 6 months' gestation.
Production repayment — broilersMaximum 12 months with 3 months' gestation.
Investment repayment6–7 years; includes 12 months' gestation for layers and up to 3 months for broilers.
Bird-insurance waiver — decisionCircle Head may approve case by case after assessing the applicant's risk-bearing ability and repayment capacity.
Bird-insurance waiver — collateralRealizable collateral security of at least 100% of the loan amount is required.
Bird-insurance waiver — veterinary support and other assetsOnly units with regular veterinary backup may receive the bird-insurance waiver. Buildings, feed and other connected assets must still be insured under extant Bank guidelines.
Battery-cage componentThe sheet states that financing for the battery-cage component of poultry projects is not allowed across India, citing the Uttarakhand High Court judgment/order.
Financing Poultry Farming · page 1, complete scheme sheet · accessed 6 Oct 2026Open official source ↗
Table 2 · 5 rows · 2 columnsPNB agriculture-credit application disposal timelineGeneral PNB agriculture-credit maximum disposal times by applied credit limit; not a promised 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 guideline; maximum processing timeline, not individual sanction promise.
PNB General Guidelines for Agricultural Credit · Section 1, Time Schedule for Disposal of Loan Applications · accessed 6 Oct 2026Open official source ↗
Table 3 · 7 rows · 2 columnsPNB early-closure terms relevant to these agriculture schemesCurrent bank-wide takeover/early-closure schedule. The charge depends on borrower type, facility, purpose, rate type and closure route; it is not a blanket product charge.View tableHide table

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PNB early-closure terms relevant to these 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 the due dateNo prepayment charge if written notice of intent not to renew is given 3 months before the due date.
Floating-rate loans/advances to individuals for non-business purposesNo prepayment charges, with or without co-obligants; applies to partial or full prepayment regardless of funds source and without a minimum lock-in.
Floating-rate business loans/advances to individuals and No prepayment charges, with or without co-obligants; applies to partial or full prepayment regardless of funds source and without a minimum lock-in.
Dual/special rate with fixed and floating periodsThe floating-rate exemption depends on whether the facility is on floating rate when it is prepaid.
Other stated exemptionsNo charge for borrowers; microfinance loans except loans to -; eligible fixed-rate loans with a reset clause when the borrower chooses floating rate at reset; prepayment from the borrower's own sources; specified lender-switches after a spread/term change or benchmark reset; bank-initiated closure for listed reasons; and loans/advances against PNB's own deposits/liquid securities sanctioned or renewed on/after 01 January 2026.
  • The 2% charge is not applied to every customer or every loan. Check the sanction terms and the full conditions.
PNB Credit Related Service Charges — current page · Section 10.15, Pre-Payment/Fore Closure, all clauses and exceptions · accessed 6 Oct 2026Open official source ↗

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