RBI Scheduled BankTenure: 5 Years (Annual Rollover)Waived for small & marginal farmers up to ₹3 Lakhs
PNB Kisan Tatkal
Punjab National Bank (PNB)
Punjab National Bank offers specialized agricultural credit across northern and central agricultural belts with dedicated farmer customer service desks.
Effective Interest
4.00% p.a. with central PRI
Base: 7.00% p.a.
Collateral-Free Limit
₹1,60,000 without collateral
No land mortgage needed
Digital Portal
PNB One Mobile Banking App
Instant online review
Farmer Helpline
1800-180-2222
Toll-free customer care
Key Features of PNB Kisan Tatkal
- PNB Kisan Tatkal facility: instant emergency credit up to ₹50,000 for unexpected farming exigencies.
- Fast sanction within 7 working days at rural and semi-urban branches.
- Composite loan option covering allied dairy, fishery, and solar pump installation.
Mandatory Documentation for Punjab National Bank (PNB)
Aadhaar card & Voter ID
Certified land ownership records from Revenue Department
Crop cultivation affidavit / Patwari sowing certificate
Two recent passport photographs
ATM & Merchant Card Operations
Borrowers receive a PNB RuPay Kisan Card. You can withdraw cash at any bank ATM across India or swipe directly at authorized seed, fertilizer, and pesticide dealers. Interest is charged ONLY on the exact amount drawn, not the total sanctioned limit.
Official Bank Portal
Apply for PNB Kisan Tatkal
Access the authorized Punjab National Bank (PNB) portal to initiate your online KCC application or digital limit review:
Open PNB Kisan Tatkal PortalCustomer Helpline: 1800-180-2222
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Calculate Exact Limit for Your Acreage
Use our interactive calculator to compute your base crop scale of finance, household buffer, and maintenance allowance.
Open KCC CalculatorFAQ
Frequently asked questions
The base interest rate is 7.00% p.a.. Under the Government of India’s Interest Subvention Scheme, borrowers who make timely repayments receive a 3% Prompt Repayment Incentive (PRI), resulting in an effective interest rate of 4.00% p.a. with central PRI.
Punjab National Bank (PNB) provides collateral-free crop loans up to ₹1,60,000 without collateral without requiring any land mortgage or third-party guarantee, as mandated by RBI.
Farmers can apply online via PNB One Mobile Banking App or submit a physical application at any rural or semi-urban Punjab National Bank (PNB) branch with 7/12 land records, Aadhaar, and crop planning details.
You can reach Punjab National Bank (PNB) agricultural loan assistance directly at 1800-180-2222.