Empowering the Annadata

Agri-Banking

Comprehensive financial support ranging from KCC for crop cultivation to advanced food processing infrastructure.

4%*

KCC Subsidized Rate

₹20L+

Infrastructure Limits

Crop & General

#01

PGB Kisan Credit Card (KCC)

Short-term credit for crop cultivation, post-harvest expenses, and farm asset maintenance.

EligibilityOwner cultivators, tenant farmers, and SHGs/JLGs of farmers.

limitBased on Scale of Finance x Area + 10% (Post-harvest) + 20% (Repairs).

roi7.00% p.a. (Subsidized to 4% for prompt repayment up to ₹3L).

securityCollateral-free up to ₹1.60 Lakh.

Crop & General

#02

PGB Kisan Gold Scheme

Investment credit for land development, irrigation, and consumption needs (Debt Swap).

EligibilityFarmers with 2+ years of excellent repayment track record.

limit5x Annual Farm Income or 50% of land value (Max ₹10.00 Lakh).

roiAs per Agriculture Term Loan norms.

repayment6 to 7 years.

Livestock & Allied

#03

KCC for Animal Husbandry & Fisheries

Working capital for rearing animals, birds, fish, and shrimp.

EligibilityIndividual farmers, SHGs, JLGs owning/leasing sheds or ponds.

limitAs per District Level Technical Committee (DLTC) norms.

roi7.00% p.a. with subvention (Interest benefit up to ₹2L).

securityCollateral-free up to ₹1.60 Lakh.

Financial Support

#09

PGB Krishak Saathi (Debt Swap)

Redemption of outstanding dues to non-institutional moneylenders.

EligibilityAll farmers including laborers and sharecroppers indebted to moneylenders.

limitMaximum ₹1,00,000 per farmer.

roiStarting from 11.00%.

securityNil (No collateral required).

Infrastructure

#010

Agri Marketing Infrastructure (AMI)

Development of storage, auction platforms, and cold chain logistics.

EligibilityIndividuals, FPOs, Cooperatives, and State Agencies.

limitNeed-based credit.

roiStarting from 11.00%.

subsidyBackend subsidy available via NABARD based on project location.

Value Addition

#012

Food & Agro Processing Finance

New projects or modernization of units like Bakeries, Halwais, and Cane Crushing.

EligibilityIndividuals, SHGs, Partnership firms, Trust and Co-operatives.

limitNeed-based (Plant, Machinery & Civil work).

roiStarting from 8.95%.

margin0% to 30% depending on project type.

Central Sector Interest Subvention

Under the Government of India's Modified Interest Subvention Scheme (MISS), farmers can avail short-term crop loans and working capital for Allied activities at an effective rate of 4% p.a. upon prompt repayment.

Subsidy Rate

2% p.a.

Prompt Repayment Bonus

3% p.a.

Punjab Gramin Bank