1. Scheme for financing under PNB Krishi Card (Kisan Credit Card):

Purpose: Loan is provided to cover short term working capital for agriculture activities, other domestic requirements such as education, consumable items, medical expenses, etc., term credit needs of the farmers and credit against debt from non-institutional lenders.

Eligibility: Progressive literate and illiterate farmers who are owner cultivators, tenants, lessee or allottee farmers with recorded occupancy rights or farmers with ancestral/perpetual rights of cultivation/joint liability groups(JLGs). oral tenants can be eligible for loan only if land owners agree to become co-borrowers. in the accounts which are secured by liquid securities like fdr,nsc/kvp etc., the cards to oral tenants can be issued without stipulating the condition of land owners to be made co-borrowers. landeless labourers, share croppers, tenant farmers and oral lessees can be issued pnb krishi card upto limit of rs 50,000 on the basis of affidavit. 

Extent of loan: maximum rs.10 lakh


2. Scheme for package loan to farmers (PNB Kisan Sampuran Rin Yojana):

Purpose: Bank will provide package loan to the farmers for undertaking various agricultural and allied activities for production as well as investment purposes and to meet the consumption credit requirements of the farmers. besides, loan is also provided for processing/storage/value addition activities post harvest technology.

Eligibility: Farmers who are owner-cultivators, tenants, lessee or allottee-farmers with recorded occupancy rights or farmers with ancestral/perpetual rights of cultivation. individual farmers or group of farmers having aptitude/adequate experience together with minimum land holding, if stipulated in the respective agriculture credit scheme, will be eligible for investment loan. Farmers intending to avail both production as well as investment credit will be eligible to be covered under the scheme.


3. PNB Kisan Ichchha Purti Yojana:

Purpose: Loan is sanctioned for productive purpose (production and investment credit) related to agriculture and allied activities, rural housing related activities, and consumption.

Sub-Limit:  20% of the overall limit or rs.2 lakh, whichever is lower is given for rural housing activities. however, loan for housing purpose will be allowed only if the mortgage of agricultural land for non agriculture purpose is permissible in the state. 30% of the overall limit or rs 3 lakh which ever is lower (including 20% of the limit or rs 2 lakh, whichever is lower, for rural housing activities) is given for consumption purposes.

Eligibility: Only existing good agricultural land owner borrowers who have been continuously availing of any farm advance against mortgage of agriculture land and having no npa record for last three years as on the date of application will be eligible. if the land mortgaged is in the name of more than one farmer then all will be eligible jointly.the condition of three years may be relaxed in case of new farmers having a good amount of deposit for the last three years provided the same is secured by 100% liquid collateral security or loan is secured by 50% liquid collateral security and 50% by mortgage of land ( valued at 50%of bank loan for small/marginal farmers & 75 % of bank loan for others)

For more details: http://pnbindia.in