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 | upto Rs.2 lakh per acre* |
| Margin | NIL |
| Charges & fee | NIL upto limit Rs.3 lakh |
| Collateral Security | NIL upto limit Rs.1.60 Lakh* |
| ROI | 7% upto limit Rs.3lakh* & MCLR+2% above 3lakh to Rs.10Lakh |
| 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. |
| Margin | NIL |
| Charges & fee | NIL upto limit Rs.3 lakh |
| Collateral Security | NIL upto limit Rs.1.60 Lakh* |
| ROI | 7% upto limit Rs.2 lakh* & MCLR+2% above 2 lakh to Rs.10Lakh |
| 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 | 5 Acre |
| Margin | Minimum of 15% irrespective of loan amount |
| Charges & fee | NIL upto limit Rs.3 lakh |
| Collateral Security | NIL upto limit Rs.1.60 Lakh* |
| ROI | Four Wheeler - MCLR + 0.25% PA, Two Wheeler – MCLR + 5% |
| Repayment | Upto 5 years (monthly/Qtly/HY/Yearly) |
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 | Loan upto 3lakh MCLR + 2.25%PA, above 3 lakh – MCLR +3% |
| Repayment | Upto 5 years (monthly/Qtly/HY/Yearly) |
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% |
| Charges & fee | Minimum |
| ROI | MCLR + 1.50% Further, the rebate in Intt @0.50% on TL prompt payment |
| 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 |
|
| 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 |
|
| Margin | 25% to 50% |
| Facilities |
|
| Charges & fee | Upto 3lakh - NIL |
| ROI | Link |
| 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.
Current MCLR of Bank - "https://punjabandsindbank.co.in/content/loanint
8.PSB SCHEME FOR FINANCING POULTRY FARMING (PSB POULTRY)
| 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 |
|
| 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)
| 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 |
|
| 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 |
|
| 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* |
