1. Kisan Credit Card (KCC) Scheme
| Purpose | To provide credit support for cultivation of Crops/Post harvest expenses/Investment Credit Requirements |
| Eligible | All farmers,JLG/SHG, can take the loan under the scheme |
| Credit Limit | Need based as per the scale of finance prescribed for the respective crops by District Level Technical Committee (DLTC) |
| Margin | NIL |
| Charges & fee | NIL upto limit Rs.3 lakh |
| Collateral Security | NIL upto limit Rs.1.60 Lakh* |
| ROI | Upto Rs.3 Lakh: 7%** Above Rs.3 Lakh upto Rs.10 lakh: One Year MCLR + 2% Above Rs.10 lakh: One Year MCLR + 2.5% **Rate of interest linked to the subvention scheme of GOI/RBI |
| Online Apply | https://punjabandsindbank.co.in/index.php?page_name=agriculture-loan-application&type=module. |
2. Kisan Credit Card (KCC) Scheme: WC for Animal Husbandry and Fisheries
| Purpose | To meet short term credit requirements of farmers engaged in animal husbandry and fisheries activities |
| Eligible | Farmers/ JLGs/SHGs engaged in Dairy, Poultry, Fisheries and other allied Activities |
| Credit Limit | Need based as per the scale of finance prescribed by District Level Technical Committee (DLTC) |
| Margin | NIL |
| Charges & fee | NIL upto limit Rs.3 lakh |
| Collateral Security | NIL upto limit Rs.1.60 Lakh* |
| ROI | Upto Rs.2 Lakh: 7%** Above Rs.2 Lakh upto Rs.10 lakh: One Year MCLR + 2% Above Rs.10 lakh: One Year MCLR + 2.5% **Rate of interest linked to the subvention scheme of GOI/RBI |
| Online Apply | https://punjabandsindbank.co.in/index.php?page_name=agriculture-loan-application&type=module. |
3. PSB Farm Mechanization for financing Tractor/Power tillers/ threshers/Reapers / bulldozers, JCBs, Well- Boring equipment/Combine Harvester & Any other implement
| Purpose | For purchase of Tractor, threshers, JCBs, Combine Harvester & Any other implements for use as farm machinery for own Farm Activity and/or Custom Hiring Service purpose. |
| Eligible | Any individual or group of individuals, institution or organization doing farm activity. |
| Minimum Requirement | For Power tillers/ threshers/Reapers min 2 Acre own Agri land, for tractor min 2.5 Acre & for combine harvester min 5 Acre Agri land |
| Margin | New -15%, Old/Repair - 25% |
| Charges & fee | NIL upto limit Rs.3 lakh |
| Collateral Security | NIL upto limit Rs.1.60 Lakh* |
| ROI | MCLR + 1.75%PA |
| Repayment | Upto 9 years |
| Online Apply | https://punjabandsindbank.co.in/index.php?page_name=agriculture-loan-application&type=module. |
4. PSB Scheme for Financing Two Wheeler/ Jeep/ Car/ SUV to Farmers
| Purpose | Loan for purchase of Two Wheeler/Jeep/Car/SUV to farmers . |
| Eligible | Any individual or group of individuals, institution or organization which has sufficient and regular income either from own Farm Activity and/or Custom Hiring Service |
| Min. Requirement of Agri land | Two Wheeler: Minimum 1.00 acre Four Wheeler: Minimum 2.50 acre |
| Margin | Minimum of 15% irrespective of loan amount |
| Charges & fee | 0.25% of the loan amount, with minimum of Rs. 1000. |
| Collateral Security | Not be less than 100% to cover his total credit facilities from the bank. |
| ROI | Four Wheeler - MCLR + 0.25% PA, Two Wheeler – MCLR + 5% |
| Repayment | Upto 7 years (monthly/Qtly/HY) |
5. PSB Kisan Suvidha Scheme (PSB KSS)
| Purpose | All agriculture related activities |
| Eligible | All existing Kisan Credit Card (KCC) holder |
| Quantum of Finance | @₹50,000/- per acre of owned land with maximum of ₹ 5 Lakh |
| Margin | 15% to 25 % of the project cost |
| Charges & fee | NIL upto limit Rs.3 lakh |
| ROI | Upto Rs. 50000: 1 Year MCLR+1.00 Above Rs. 50000 and upto Rs. 10 Lakh: – 1 Year MCLR+2.00 Above Rs. 10 Lakh: – 1 Year MCLR+2.50 |
| Repayment | Upto 5 years |
6. PSB Scheme for Advance Dairy Farming
| Purpose | TL for equipments & infrastructure, WC for recurring expenditure |
| Eligible | All farmers, who have min. 2 years’ experience & min. 3-acre Agri land |
| Quantum of Finance | upto @₹60,000/- per cattle animals, min 10 & max 30 cattle* |
| Margin | TL - 15% |
| ROI | Upto Rs. 50000: 1 Year MCLR+1.00 Above Rs. 50000 and upto Rs. 10 Lakh: – 1 Year MCLR+2.00 Above Rs. 10 Lakh: – 1 Year MCLR+2.50 |
| Repayment | TL - upto 7 years incl. 6-month moratorium, WC – on demand |
| Security | 100% of the loan amount(Agri or urban property) |
7. PSB Scheme on Financing Food and Agro Processing Units
| Purpose |
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| Eligible | Individuals / SHGs/ JLGs/ Proprietorship Firms/ Partnership / LLP / Pvt. Ltd. Co. / Public Ltd. Co/ Trust and Co-operative Societies registered under any law relating to co-operative societies/ FPOs and other legal entities etc. |
| Extent of Limit |
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| Margin | 25% to 50% |
| Facilities |
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| Charges & fee | Upto 3lakh - NIL |
| ROI | Click Here |
| Repayment | Term Loan:Term Loan: Repayable in maximum 10 years, WC/OD – On demand |
| Security / Guarantee | Suitable Collateral Security & Suitable guarantee of third party/((ies) be taken. |
| Activity covered | All Activity as per Ministry of Food Processing Industries (MoFPI) |
*Terms & conditions apply.
8.PSB SCHEME FOR FINANCING POULTRY FARMING (PSB POULTRY)
*Terms & conditions apply.
| Purpose | To give special emphasis on meeting working capital and investment credit requirements of the farmers engaged in Poultry farming or intend to engage themselves in such an activity. |
| Eligible | Farmers/JLGs/SHGs/FPOs/Co-operatives/Corporate Farmers etc. |
| Extent of Limit |
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| Margin | NIL upto limit Rs.1.60 Lakh* |
| Charges and Fee | NIL upto limit Rs.3 lakh |
| Collateral Security | Third party guarantee upto limit Rs.1.60 Lakh* |
| ROI | 7% upto limit Rs. 2 lakh* & MCLR+2% above Rs. 2 lakh to Rs.10 lakh* |
9.PSB SCHEME FOR FINANCING PIGGERY UNITS (PSB PIGGERY)
*Terms & conditions apply.
| Purpose | To give special emphasis on meeting working capital and investment credit requirements of the farmers engaged in Pig farming or intend to engage themselves in such an activity. |
| Eligible | Farmers/JLGs/SHGs/FPOs/Co-operatives/Corporate Farmers etc. |
| Extent of Limit |
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| Margin | NIL upto limit Rs.1.60 Lakh* |
| Charges and Fee | NIL upto limit Rs.3 lakh |
| Collateral Security | Third party guarantee upto limit Rs.1.60 Lakh* |
| ROI | 7% upto limit Rs. 2 lakh* & MCLR+2% above Rs. 2 lakh to Rs.10 lakh* |
10.PSB SCHEME FOR FINANCING APICULTURE (BEE KEEPING)
*Terms & conditions apply.
| Purpose | To give special emphasis on meeting working capital and investment credit requirements of the farmers engaged in apiculture (Bee keeping) or intend to engage themselves in such an activity. |
| Eligible | Farmers/JLGs/SHGs/FPOs/Co-operatives/Corporate Farmers etc. |
| Extent of Limit |
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| Margin | NIL upto limit Rs.1.60 Lakh* |
| Charges and Fee | NIL upto limit Rs.3 lakh |
| Collateral Security | Third party guarantee upto limit Rs.1.60 Lakh* |
| ROI | 7% upto limit Rs. 2 lakh* & MCLR+2% above Rs. 2 lakh to Rs.10 lakh* |
11.PSB SCHEME FOR FINANCING MINOR IRRIGATION
*Terms & conditions apply.
| Purpose | To meet the term loan requirement of the farmers associated with minor irrigation activities. |
| Target group | Farmers/JLGs/SHGs/FPOs/Co-operatives/Corporate Farmers etc. |
| Extent of Limit | Term Loan: Need based |
| Minimum land holding | At least 1 acre of agricultural land* |
| Margin | NIL upto limit Rs.1.60 Lakh* |
| Charges | NIL upto limit Rs. 3 Lakh |
| Processing Fee | NIL upto limit Rs.25,000/- |
| Collateral Security | Third party guarantee upto limit Rs.1.60 Lakh* |
| ROI | One Year MCLR + 1% upto limit Rs. 50,000/-* & One Year MCLR + 2% above Rs. 50000/- to Rs.10 lakh* |
12.PSB SCHEME FOR FINANCING SOLAR POWER PROJECTS UNDER PM KUSUM
*Terms & conditions apply.
| Purpose | To provide collateral free credit for the portion other than subsidy to the beneficiaries under PM KUSUM scheme. |
| Target group | Farmers/JLGs/SHGs/FPOs/Co-operatives/Corporate Farmers/WUA etc. who are receiving financial assistance from the Central and State government under PM KUSUM Scheme. |
| Extent of Limit |
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| Margin | 10.00% of the total cost of the project |
| Charges | NIL upto limit Rs. 3 Lakh |
| Processing Fee | NIL upto limit Rs.25,000/- |
| Security | Hypothecation of the assets created out of bank finance. |
| ROI | Minimum RoI: One Year MCLR (Based on the collateral coverage and internal credit rating) |
13.PSB SCHEME FOR FINANCING STORAGE INFRASTRUCTURE
*Terms & conditions apply.
| Purpose | For meeting the term loan and working capital requirements of the Scientific Storage Facilities such as Godowns, Dry Warehouse, Cold Storage, Cold Chain, Silos and Market Yards |
| Eligible |
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| Nature & quantum of Loan |
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| Margin | Up to Rs. 10 Cr : 15% Above Rs 10 Cr: 25 % |
| Collateral Security | To be covered under CGTMSE/Other Credit guarantee Scheme or Collateral Security in the shape of immovable property/liquid security as per extant guidelines. |
| ROI | Click Here |
| Repayment |
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14.PSB e-PLEDGE LOAN (PSB ePL)
| Purpose | For financing against the pledge of e-NWR issued by repository/ies for stock / goods kept in WDRA accredited godowns. | ||||
| Eligible |
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| Nature of Loan | Demand Loan & Cash Credit | ||||
| Quantum of Loan |
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| Margin | 25% | ||||
| Collateral Security | Not required | ||||
| ROI | Click Here | ||||
| Repayment | Maximum 12 months |
*Terms & conditions apply.
15.PSB KRISHI SWARN KANTI
| Purpose |
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| Target Groups | Owner cultivator, Tenant farmer, Share Cropper, Oral Lessees, Farmers engaged in Agriculture Allied Activities etc. |
| Nature of Loan | Working Capital & Term Loan |
| Credit Limit | Minimum: Rs 10,000/- Maximum : Rs 25,00,000/- |
| Margin | Minimum 25% |
| Collateral Security | Pledge of gold ornaments/ jewellery and gold coins (specially minted and sold by Banks/MMTC etc) owned by the applicant/s. |
| ROI | Click Here |
| Repayment | Within 12 months For Long term Crops: Maximum of 18 months with margin 35% |
16.PSB Scheme for Financing Compressed Bio Gas Plants under Sustainable Alternative towards Affordable Transportation (SATAT)
| Purpose | For setting up of Compressed Bio-Gas (CBG) plants. |
| Eligibility Criteria | Compressed Bio Gas plants with minimum designed capacity of 2.0 Tons per day for the CBG plant. |
| Nature of Loan | Fund-based and Non-fund based facilities |
| Credit Limit | Minimum: Rs 1 Crore Maximum : Rs 100 Crore |
| Margin | Up to Rs. 10 Cr: 15% of the Project Cost Above Rs 10 Cr: 25% of the Project Cost |
| Collateral Security | If Tripartite agreement is available, collateral value minimum 25% of Sanctioned limit to be obtained. |
| ROI | As applicable to Ancillary activities Click Here |
| Repayment | Term loan repayable in 10-15 years. |
17.PSB Scheme for Financing Farmer Producer Organizations (FPOs) backed by Credit Guarantee Scheme for FPO Financing (CGSFPO)
| Purpose | To meet the financial needs of the Farmer Producer Organizations (FPOs) backed with guarantee coverage under Credit Guarantee Scheme for Farmer Producer Organisations (FPO) Financing (CGSFPO) from NABARD. |
| Target Groups | Registered Farmer Producer Organizations/Companies |
| Nature of Loan | Working Capital and /or Term Loan |
| Credit Limit | Maximum credit limit: Rs.2 Crore |
| Margin | UUp to Rs. 1 crore: 15% Above Rs. 1 crore: 25% |
| Collateral Security | To be covered under Credit Guarantee Scheme for Financing FPO (CGSFPO) provided by NABSanrakshan Trustee Pvt. Ltd./NABARD. |
| ROI | As per extant Bank guidelines based on the purpose of advance. |
| Repayment | Term loan: Repayable in 7 years Working Capital: One year, repayable on demand. |
