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PNB Wasteland Development Finance

Need-based finance for reclaiming and improving wasteland. The same PNB sheet also describes PNB Gram Uday, a separate term-loan component capped at ₹1 lakh.

Published amountPNB Gram Uday component only: up to ₹1,00,000. The separate section A wasteland-development loan is need-based with no fixed maximum stated.Repayment periodSection A: 5–15 years with up to 36 months' gestation. PNB Gram Uday: up to 5 years' repayment with up to 1 year' gestation.Facility typePNB Gram Uday component: term loan. The separate section A wasteland-development component does not name a facility instrument.
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Quick eligibility check

PNB Wasteland Development 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: Section A: individual farmers owning or holding long-term tenancy/leasehold over degraded land, and panchayats/other bodies with community land?

Published source: Eligibility

2Do you meet this requirement: PNB Gram Uday: owner cultivators and their SHGs/JLGs?

Published source: Eligibility

3Do you meet this requirement: applicant must have a Soil Health Card?

Published source: Eligibility

4Do you meet this requirement: Section A additionally needs a reclamation/conservation report verified by a Soil Conservation Officer, Agricultural University, KVK, Agriculture Department or Forest Department?

Published source: Documents

5Do you meet this requirement: Gram Uday requires a Soil Health Card?

Published source: Documents

6Document checkDo you have at least one of these required documents: PNB's general agriculture checklist lists a completed application, self-attested identity proof, residence proof, two recent photographs and land-record particulars. The scheme sheet additionally requires the reclamation/conservation project report to be verified by a Soil Conservation Officer, Agricultural University, KVK, Agriculture Department or Forest Department; Gram Uday applicants need a Soil Health Card?

Published source: Documents

7Document checkDo you have this required document or proof: General PNB agriculture checklist: completed 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.

PurposeReclaim and conserve soil; condition land; raise forest trees or pastures; create irrigation potential; afforest wasteland; finance tree-patta holders and development of non-forest wasteland; or establish nurseries. PNB Gram Uday additionally covers reclaimed seasonal crops, soil conservation and listed organic-farming inputs.View source
Section A is the wasteland-development scheme; section B is a distinct PNB Gram Uday component.
Source
Scheme for Financing Development of Wasteland
Page / section
page 1, sections A and B, Purpose
Accessed
7 Oct 2026
Confidence
high
Open official source ↗
EligibilitySection A: individual farmers owning or holding long-term tenancy/leasehold over degraded land, and panchayats/other bodies with community land. PNB Gram Uday: owner cultivators and their SHGs/JLGs; applicant must have a Soil Health Card.View source
The includes a corrupted subsidy sentence; no subsidy rate or amount is recoverable from the reviewed text.
Source
Scheme for Financing Development of Wasteland
Page / section
page 1, sections A and B, Eligibility
Accessed
7 Oct 2026
Confidence
high
Open official source ↗
Published amountPNB Gram Uday component only: up to ₹1,00,000. The separate section A wasteland-development loan is need-based with no fixed maximum stated.View source
Only PNB Gram Uday has a stated numeric limit; the main wasteland scheme is need-based.
Source
Scheme for Financing Development of Wasteland
Page / section
page 1, sections A and B, Extent of Loan
Accessed
7 Oct 2026
Confidence
high
Open official source ↗
Repayment periodSection A: 5–15 years with up to 36 months' gestation. PNB Gram Uday: up to 5 years' repayment with up to 1 year' gestation.View source
The two published components have different repayment periods and gestation ceilings.
Source
Scheme for Financing Development of Wasteland
Page / section
page 1, sections A and B, Repayment
Accessed
7 Oct 2026
Confidence
high
Open official source ↗
Loan amount basisSection A is need-based; the soil-reclamation/conservation project report must be verified by the named soil-conservation, agricultural or forest authority. PNB Gram Uday is a term loan.View source
The lists the verifying authorities and separately calls PNB Gram Uday a term loan.
Source
Scheme for Financing Development of Wasteland
Page / section
page 1, Extent of Loan and Nature of Facility
Accessed
7 Oct 2026
Confidence
high
Open official source ↗
Facility typePNB Gram Uday component: term loan. The separate section A wasteland-development component does not name a facility instrument.View source
The sheet identifies only PNB Gram Uday as a term loan.
Source
Scheme for Financing Development of Wasteland
Page / section
page 1, Section B, Nature of Facility
Accessed
7 Oct 2026
Confidence
high
Open official source ↗
DocumentsGeneral PNB agriculture checklist: completed application, self-attested identity proof, residence proof, two recent photographs and land-record particulars. Section A additionally needs a reclamation/conservation report verified by a Soil Conservation Officer, Agricultural University, KVK, Agriculture Department or Forest Department; Gram Uday requires a Soil Health Card.View source
The scheme's extra project report and Soil Health Card are separately preserved in the complete scheme table.
Source
PNB agriculture-credit checklist and Wasteland Development scheme sheet
Page / section
General checklist; page 1, sections A and B
Accessed
7 Oct 2026
Confidence
high
Open official source ↗

Benefits and features

  • The sheet covers soil reclamation, conservation, irrigation potential, afforestation and organic-farming inputs
  • PNB Gram Uday lists a maximum term-loan amount of ₹1 lakh

Eligibility

  • The wasteland component covers qualifying landholders and community land bodies; PNB Gram Uday covers owner cultivators and their / and requires a Soil Health Card.

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 sheet additionally requires the reclamation/conservation project report to be verified by a Soil Conservation Officer, Agricultural University, KVK, Agriculture Department or Forest Department; Gram Uday applicants need a Soil Health Card.

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
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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 Development of Wastelandofficial-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

Find the exact published value

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A — purposes · Published termReclaim/conserve/condition soil; raise forest trees or pastures on wasteland or reclaimed land; create irrigation potential; afforest wasteland; finance tree-patta holders; develop non-forest wasteland; establish nurseries.

This value is copied from PNB Wasteland Development / Gram Uday — complete published conditions. Check the table notes before relying on it.

Source: Scheme for Financing Development of Wasteland · page 1, sections A and B, 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 · 10 rows · 2 columnsPNB Wasteland Development / Gram Uday — complete published conditionsThe PNB PDF covers two differently scoped components. The corrupted subsidy clause is retained as unresolved rather than completed by inference.View tableHide table

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PNB Wasteland Development / Gram Uday — complete published conditions
Scheme sectionPublished term
A — purposesReclaim/conserve/condition soil; raise forest trees or pastures on wasteland or reclaimed land; create irrigation potential; afforest wasteland; finance tree-patta holders; develop non-forest wasteland; establish nurseries.
A — eligible applicantsIndividual farmers with ownership or long-term tenancy/leasehold over degraded land; panchayats/other bodies with community land.
A — subsidy sentence text reads 'Deptt. of wasteland development provides subsidy ranging from' but supplies no amount/range; no subsidy value can be established from this file.
A — extent and project reportNeed-based. Reclamation/conservation project report must be verified by a Soil Conservation Officer, Agricultural University, KVK, Agriculture Department or Forest Department.
A — repayment5–15 years; gestation up to 36 months.
B — PNB Gram Uday objectiveIncrease land productivity and convert degraded land to arable land.
B — purposesSoil reclamation; leveling, bunding, contouring and terracing; seasonal crops on reclaimed land; organic inputs including seeds, bio-fertilizers, biopesticides, vermicompost, FYM, fruit/vegetable waste and compost.
B — eligible applicantsOwner cultivators and their /; applicant must have a Soil Health Card.
B — facility and amountTerm loan; need-based up to ₹1,00,000.
B — repaymentUp to 5 years; gestation up to 1 year.
Scheme for Financing Development of Wasteland · page 1, sections A and B, 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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