IndiaBanks.org · independent research

Personal, home, vehicle & other loans

PNB Scheme for Financing Sericulture

Need-based finance for mulberry cultivation, silkworm rearing and related non-farm sericulture activities, with repayment over 4–9 years including a grace period depending on the activity financed.

Maximum financeNeed-based; the scheme sheet gives no fixed numeric loan ceiling.Repayment4–9 years including a grace period, depending on the nature of activity financed.PurposeMulberry cultivation, silkworm rearing and non-farm activities related to sericulture.
Official product page ↗Compare category

Quick eligibility check

PNB Scheme for Financing Sericulture

0 of 5 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: Individual farmers, Self-Help Groups, firms and companies engaged in sericulture activity?

Published source: Eligible applicants

2Do you meet this requirement: It is not labelled an exhaustive sericulture-specific checklist?

Published source: Documents

3Do you meet this requirement: The linked scheme sheet names individual farmers, SHGs, firms and companies engaged in sericulture activity?

4Document checkDo you have this required document or proof: PNB's general agriculture-loan checklist includes an application form, identity and residence proof, two photographs not older than six months, and land-record particulars. It is not an exhaustive sericulture-specific list?

Published source: Documents

5Document checkDo you have this required document or proof: application form, identity proof, residence proof, two photographs not older than six months and land-record particulars?

Published source: Documents
0 of 5 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.

PurposeMulberry cultivation, silkworm rearing and non-farm activities related to sericulture.View source
The complete stated activity scope is retained.
Source
Sericulture Financing Scheme
Page / section
page 1, Purpose
Accessed
6 Oct 2026
Confidence
high
Open official source ↗
Eligible applicantsIndividual farmers, Self-Help Groups, firms and companies engaged in sericulture activity.View source
Applicant types are reproduced as listed.
Source
Sericulture Financing Scheme
Page / section
page 1, Eligibility
Accessed
6 Oct 2026
Confidence
high
Open official source ↗
Maximum financeNeed-based; the scheme sheet gives no fixed numeric loan ceiling.View source
PNB states Need based; no fixed amount appears in the full .
Source
Sericulture Financing Scheme
Page / section
page 1, Extent of Loan
Accessed
6 Oct 2026
Confidence
high
Open official source ↗
Repayment4–9 years including a grace period, depending on the nature of activity financed.View source
The range is inclusive of the grace period and depends on the financed activity.
Source
Sericulture Financing Scheme
Page / section
page 1, Repayment
Accessed
6 Oct 2026
Confidence
high
Open official source ↗
Application decision timePNB's general agriculture guideline publishes maximum disposal times by credit limit: up to ₹2 lakh, 2 weeks; above ₹2–50 lakh, 4 weeks; above ₹50 lakh–₹1 crore, 5–6 weeks; above ₹1–100 crore, 6–7 weeks; above ₹100 crore, 8–9 weeks.View source
This is the published bank-wide maximum timetable, not a guaranteed individual sanction time.
Source
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 ↗
DocumentsPNB's general agriculture-loan checklist asks for an application form, identity proof, residence proof, two photographs not older than six months and land-record particulars. It is not labelled an exhaustive sericulture-specific checklist.View source
Bank-wide checklist retained with a clear non-exhaustive scope note.
Source
PNB Agricultural Banking — document checklist
Page / section
Documents Required for Agriculture Loan
Accessed
3 Oct 2026
Confidence
medium
Open official source ↗

Benefits and features

  • Repayment from 4 to 9 years, including a grace period, depending on the financed activity

Eligibility

  • The linked scheme sheet names individual farmers, , firms and companies engaged in sericulture activity.

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

Documents the bank lists

  • PNB's general agriculture-loan checklist includes an application form, identity and residence proof, two photographs not older than six months, and land-record particulars. It is not an exhaustive sericulture-specific list.

Related official documents

PNB Agriculture Loan Schemes catalogueofficial-product-catalogue-page · current · accessed 6 Oct 2026
↗
PNB Credit Related Service Charges — agriculture-credit scheduleofficial-service-charge-schedule · latest-reviewed-agriculture-specific-schedule · 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
↗
Scheme for Financing Sericultureofficial-scheme-pdf · current-catalogue-linked-scheme-sheet · accessed 6 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 termMulberry cultivation, silkworm rearing and related non-farm sericulture activity

This value is copied from PNB sericulture financing — complete scheme terms. Check the table notes before relying on it.

Source: Sericulture Financing Scheme · page 1, complete scheme Open official source ↗

Published tables

Complete rates, limits and schedules

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

Table 1 · 4 rows · 2 columnsPNB sericulture financing — complete scheme termsStructured transcription of all four headings on the full one-page narrative scheme sheet.View tableHide table

Scroll sideways to view every column

PNB sericulture financing — complete scheme terms
Scheme itemPublished term
PurposeMulberry cultivation, silkworm rearing and related non-farm sericulture activity
Eligible applicantsIndividual farmers, , firms and companies engaged in sericulture
AmountNeed-based
Repayment4–9 years including a grace period, depending on the financed activity
  • page 1 visually checked. No additional terms appear on the page.
Sericulture Financing Scheme · page 1, complete scheme · accessed 6 Oct 2026Open official source ↗
Table 2 · 5 rows · 2 columnsPNB agriculture-loan application disposal timetableThe official general guideline's maximum disposal times by credit limit; this is not a guaranteed individual decision time.View tableHide table

Scroll sideways to view every column

PNB agriculture-loan application disposal timetable
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
  • The schedule is a bank-wide agriculture-credit guideline; it does not promise an individual sanction date.
General Guidelines for Agricultural Credit · Section 1, Time Schedule for Disposal of Loan Applications · accessed 6 Oct 2026Open official source ↗
Table 3 · 3 rows · 3 columnsPNB current rate schedule scope checked for five agriculture schemesThe current rate page was checked to prevent generic agriculture bands, which exclude schematic lending, from being assigned to these specific products.View tableHide table

Scroll sideways to view every column

PNB current rate schedule scope checked for five agriculture schemes
Rate sectionPublished scopeApplication to these schemes
Agriculture advancesGeneric rate table explicitly excludes schematic lendingNo generic agricultural rate assigned
Named specific schemesThe current page lists specific scheme rates by scheme nameNone of these five products is named in the reviewed rows
/ base ratesPublished separately, effective 01 October 2026A base benchmark alone does not establish an individual scheme rate
  • Current page's Agriculture Advances and all named specific-scheme sections were reviewed. The generic schematic exclusion means no rate is inferred.
PNB Interest Rates on Advances — current agriculture and specific-scheme rates · Agriculture Advances and named specific-scheme sections; / effective 01 October 2026 · accessed 6 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