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Priority Sector Schemes

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://www.psbindia.com/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://www.psbindia.com/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://www.psbindia.com/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
  • To provide financial assistance for creation of processing and preservation capacities and modernization / expansion of existing food processing units.
  • To provide credit support for food & agro processing units.
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
  • Term Loan: Need Based
  • Working Capital Limit (Funded + Non-Funded): Need Based
  • Overdraft against Property (ODP): Maximum upto Rs 500 lacs*.
Margin 25% to 50%
Facilities
  • Term Loan
  • Working Capital Limit (Funded + Non Funded)
  • Overdraft against Property (ODP)
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://www.psbindia.com/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
  • Working Capital: Based on Scale of finance by DLTC
  • Term Loan: Need based
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
  • Working Capital: Based on Scale of finance by DLTC
  • Term Loan: Need based
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
  • Working Capital: Based on Scale of finance by DLTC
  • Term Loan: Need based
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*
For Hot Listing (Blocking)
ATM/Rupay Cards ATM/RuPay Card
(By SMS) 9223815844
For Debit Freeze Account
(By SMS) 8828837411
For Phone Banking Services
(By Call) 1800-22-1908
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(By Missed Call) 7039035156 (Toll Free)
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