Agriculture-

1 PNB Kisan Tatkal card Yojna –

An instant credit for farming community to meet the emergency requirement

for Agriculture and domestic purpose for tiding over temporary difficulties.

 Individuals farmers/ joint borrower (not exceeding four farmers ) who

are existing Kisan Credit Card holder satisfactory track record of at least
two years are eligible.
 Credit facility may be provided as a reducing cash credit Limit.
 Limit upto Rs. 25000/- may be repayable in 3 years and the limit above
Rs. 25000/- repayable in 5 years.
 Quantum of loan / ceiling :- Minimum limit : Rs. 1000/- Maximum limit :
Rs. 50,000/-
(subject to ceiling at 50% of KCC limit / 25 % of annual income).
 Security – Existing security/ies obtained for KCC to be continued.

No additional securities to be obtained even if the combined exposure

(KCC plus proposed Kisan Tatkal Scheme ) exceeds the present cut-off
ceiling of Rs 1 lakh.
 2. Scheme for Financing Farm House Construction –

Purpose :-
 Construction of farm structure on agriculture land to facilitate the
agriculture / farmer to meet the requirement of utility unit for covering
the requirement like livestock shed , drying yard , grading , sorting yard ,
processing shed , storage unit farm produce , farm machinery and
implements/ equipment etc, as well as dwelling structure.
 For repair of existing farmhouse structure.

Eligibility:-
 Fresh as well as existing borrowers who are owner cultivators are
eligible. Existing borrowers shall have satisfactory track record of 30
years with the bank. In case of fresh borrower, KCC should also be
sanctioned along with farmhouse loan and entire land be mortgage in
favour of bank.
 The proposed plot/ land proportion should have independent approach
access.
 In case of existing borrower no overdue I any loan should exist.
 Applicant should have sufficient disposable income from agricultural
activities and other sources. Net income can be arrived at by sanctioned
authority based on their land holding, cropping pattern, yield etc.
 Existing / Future / allied agriculture activity should not be hindered by
the constructed structure.
Nature of facility :-
 Term loan
Repayment :-
 For construction of farmhouse-
Maximum 20 years or 70 years of age of the borrowers, whichever is
lower
 For repair of existing farmhouse structure :
Maximum for a period of 5 years or 70 years of age of borrower,
whichever is lower.