PPCBL ACTIVE LOANING PRODUCTS

Type of finance i.e. Agri Loan/ Rate of mark up (49/2023 dated Loan sanctioning
S# Name of product Maximum limit of loan Tenure of loan Required collateral Remarks if any
Non Agri Loan / SME/etc. 18.04.23 applicable w.e.f. 19.04.23) authority

Finance upto Rs.2 Lac clean, Above Rs.2 Lac against

1 CROP LOAN (AGRI. PRODUCTION LOAN) TO SOCS. Agri-loans (Societies) Up to approved Maximum Credit Limit 6 to 9 Months 23% Branch Manager
security of agricultural land
3 years with annual
2 REVOLVING CREDIT SOCIETIES (CROP LOAN ) Agri-loans (Societies) Up to approved Maximum Credit Limit 23% Agri land valuing double the amount of net finance Branch Manager
cleanup
Cost of tractor after adjustment of 10% Margin 4 Acre - 2M Zonal Office Credit
3 MEDIUM TERM LEASE FINANCE - SOCIETIES Agri-loans (Societies) 7 years 24%
Money 5 Acre - Above 2M Committee
3 years with annual Zonal Office Credit
4 LIVESTOCK REVOLVING CREDIT TO SOCS. Agri-loans (Societies) Rs.800,000/- @ Rs.100,000/- per Member 24% Agri land valuing double the amount of net finance
cleanup Committee
Rs.1,000,000/- per Member of a society with 10% Zonal Office Credit
5 LIVESTOCK PROJECT FINANCE (LSPF) TO SOCS. Agri-loans (Societies) 5 years 25% 40 Kanal of Agricultural land
Margin Money Committee
Rs.2,000,000/- per Member of a society with 10% as Zonal Office Credit
6 PPCBL Zarai Tools Kissan Fayda to SOCS Agri-loans (Societies) 5 years 23% 24 Kanal of Agricultural land
Down Payment Committee
Rs.2,000,000/- per Member of a society with 10% as Zonal Office Credit
7 PPCBL Sunshine Solar Finance to SOCS Agri-loans (Societies) 5 years 23% 24 Kanal of Agricultural land
Down Payment Committee
Rs.400,000/- Zonal Office Credit
8 CROP PRODUCTION LOAN TO INDIVIDUALS (CPLI). Agri-loans (Individual) 9 Months 23% 08 Kanal of Agricultural land
(Rs.75,000/- per ACRE) Committee
AGRICULTURAL RUNNING FINANCE (ARF) TO Rs.500,000/- 3 years with annual Zonal Office Credit
9 Agri-loans (Individual) 23% 16 Kanal of Agricultural land
INDIVIDUALS (Rs.75,000/- per ACRE) cleanup Committee
10 FINANCE AGAINST GOLD / GOLD ORNAMENTS Agri-loans (Individual) Rs.500,000/- 1 year 25% Gold / Gold Ornaments Branch Manager
Cost of tractor after adjustment of 10% Margin 4 Acre - 2M Zonal Office Credit
11 MEDIUM TERM LEASE FINANCE - INDIVIDUALS Agri-loans (Individual) 7 years 24%
Money 5 Acre - Above 2M Committee
1 Acre - 200,000
LIVESTOCK FARMING (GOAT, SHEEP & CATTLE) TO Rs.400,000/- Zonal Office Credit
12 Agri-loans (Individual) 1 year 25% 1.5 Acre - 300,000
INDIVIDUALS (Rs.75,000/- per ACRE) Committee
2 Acre - 400,000
LIVESTOCK PROJECT FINANCE (LSPF) TO Zonal Office Credit
13 Agri-loans (Individual) Rs.1,000,000/- with 10% Margin Money 5 years 25% 40 Kanal of Agricultural land
INDIVIDUALS Committee

National Saving Certificate

(DSCs/SSCs/RICs) : Base Rate of
Security Paper + 2% PA
Deposit with PPCBL (local currency) : Zonal Office Credit
14 LOAN AGAINST LIQUID ASSETS – AGRICULTURE Agri-loans (Individual) Rs.3,000,000/- 1 year Security is double the value of net finance
Base Rate of Deposit + 2% PA Committee
Deposit with other commercial banks :
Base Rate of Security + 2.5% PA

Rs.2,000,000/- per Member of a society with 10% as Zonal Office Credit

15 PPCBL Zarai Tools Kissan Fayda IND Agri-loans (Individual) 5 years 23% 24 Kanal of Agricultural land
Down Payment Committee
Rs.2,000,000/- per Member of a society with 10% as Zonal Office Credit
16 PPCBL Sunshine Solar Finance IND Agri-loans (Individual) 5 years 23% 24 Kanal of Agricultural land
Down Payment Committee
17 COMMODITY OPERATION FINANCE Non-Agri-loans (Individual) Rs.1500,000,000/- 1 Year Linked with KIBOR GoPb ALCO/BOD

Zonal Office Credit

1 year subject to Committee: Upto 2M
PPCBL BUSINESS FINANCE-SMALL ENTERPRISES Security Urban / Agri land or building valuing double
18 Non-Agri-loans (Individual) No Limit renewal of limit on 24% Head Office Credit
(SE/ME) the amount of net finance
annual basis Committee: 2M to 5M
BOD: Above 5M

LOAN AGAINST LIQUID ASSETS
19 (CONSUMER / SMALL ENTERPRISES / MEDIUM
ENTERPRISES / CORPORATE / COMMERCIAL)
Non-Agri-loans (Individual)
National Saving Certificate
(DSCs/SSCs/RICs) : Base Rate of
Security Paper + 2% PA
Deposit with PPCBL (local currency) : Zonal Office Credit
Rs.3,000,000/- 1 year Security is double the value of net finance
Base Rate of Deposit + 2% PA Committee
Deposit with other commercial banks :
Base Rate of Security + 2.5% PA