Public Sector BankRBI Priority Sector Lending
Punjab National Bank (PNB) Agri Gold Loan
पंजाब नेशनल बैंक (पीएनबी) कृषि स्वर्ण ऋण — Agricultural Gold Loan Dossier
PNB Agri Gold Loan delivers dependable agricultural liquidity across northern agricultural plains with farmer-friendly harvest-linked repayment cycles.
Concessional Rate7.4% p.a.PSL Subsidized
Maximum LTV75%Of market gold value
Max LimitUp to ₹20,00,000Per farmer borrower
DisbursementUnder 1 hour at all specialized rural branchesRapid counter release
Official PNB Agri Gold Customer Care:Toll-Free Helpline: 1800-180-2222
Key Agricultural Lending Advantages
Extensive presence across northern wheat and paddy belts (Punjab, Haryana, UP, MP).
No prepayment or foreclosure penalties for early repayment post-harvest.
Transparent electronic gold appraisal in presence of the borrower.
Harvest-Aligned Repayment Modes
Option 1
Bullet Payment within 12 Months
Option 2
EMI Option for Allied Agri Activities
Mandatory Agricultural Documentation
Carry these simple documents to your nearest branch to secure the 7% concessional Priority Sector Lending rate:
1Aadhaar card & Voter ID
2Land revenue document (Fard, Jamabandi, or Khasra-Khatauni)
3Agriculture purpose self-undertaking
Scheme Specifications
Interest Rate:7.40% to 7.90% p.a.
Max Loan Amount:Up to ₹20,00,000
Max LTV:75%
Processing Fee:Nil up to ₹3,00,000; nominal valuation charges
Tenure:12 Months
Compare Other Agri Gold Lenders
FAQ
Frequently Asked Questions on PNB Agri Gold
Punjab National Bank (PNB) Agri Gold Loan offers a concessional interest rate of 7.40% to 7.90% p.a. for agricultural borrowers, provided basic agricultural land documents (7/12 extract, Khasra, or crop sowing certificate) are furnished.
Loans are typically sanctioned for a tenure of 12 months with flexible Bullet Repayment options, allowing the farmer to repay both the principal and accrued interest at one go after the harvest crop auction.
In accordance with RBI directions, PNB Agri Gold sanctions up to 75% of the net market value of hallmarked 22K/24K gold jewelry, appraised electronically in the branch.
Tenant farmers, sharecroppers, and oral lessees can still qualify by submitting a self-undertaking of cultivation countersigned by the local Village Panchayat Sarpanch or Agriculture Assistant, or by enrolling under the bank's allied agri-credit category.