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Comprehensive One Time Settlement Package in lieu of Employees Pension Scheme of the Bank implemented in compliance of orders dated 29.11.2013 passed by  Hon’ble Punjab & Haryana High Court. .......Read More

The Bank provides Long Term Loans at Simple Rate of Interest for Agriculturists and Non Agriculturists for a number of purposes.



  • Loan for the purpose of installing new tubewells can be granted only in those blocks which fall in the category of semi critical and safe zones as approved by the Agricultural Department or NABARD.
  • No loan id granted for the installation of tubewells in over expokited and critical areas.
  • Loan is granted for the purchase of pipes, footvalves, fans, diesel engine and electricity motors. The amount of loan depends on the depth of water.

  • This loan has to be repaid within 9 years with interest . 

  • The machinery that has been purchased with this loan has to be insured.                                                            


Type of tubewell Specification Unit cost (in Rs.) Loan repayment
 Tubewell alongwith Pump set    

 61 Metre (200"deep)  

92 Metre (300" deep)



9 Years 

9 years   

Pumpset Replacement



9 Years

Replacement/Renovation Tubewell    

61 Metre (200"deep)  

92 Metre (300" deep)



9 Years


9 Years




Drip irrigation, also known as trickle irrigation or micro irrigation or localized irrigation,is an irrigation method that saves water and fertilizer by allowing water to drip slowly to the roots of plants, either onto the soil surface or directly onto the root zone, through a network of valves, pipes, tubing, and emitters. It is done through narrow tubes that deliver water directly to the base of the plant.




                                         Unit Cost of Installing Drip Irrigation on a 1 Hectare Plot is as follows:

Sr. No. Plant spacing (in metres)
Amt. (in Rs.)
Repayment period(years
1 Wide spaced (10X10 m.) 23000/- 9
2 Medium spaced (2.5X2.5 m) 60,000/- 9
3 Closed spaced (1.2X0.6 m) 1,10,000/- 9



This loan has to be repaid within 9 years in annual installments.


sprinkler_irrigationWater is a key factor in increasing agricultural production. About 78% of India's water resources are used for agriculture out of this only 50% is actually used by plants and the remaining water resources are wasted either as deep percolation or as evaporation. Excess irrigation not only reduces crop production and damages soil fertility but also causes ecological hazards like water logging and salinity. With competitive use of water and its increasing scarcity, it has become imperative to economise water use for optimum productivity. This is possible only through improved water management and adopting advanced techniques of irrigation. One such method of modern irrigation is sprinkler irrigation system which is becoming more and more popular among the farmers across the country. Sprinkler irrigation system saves upto 50% of water compared to surface irrigation method and increases productivity by about 15-25 %. 
            Sprinkler irrigation method distributes water to crops by spraying it over the crop area like a natural rainfall. The water under pressure flows through perforations or nozzles and sprays over the area. The pressure is provided by a pump of suitable capacity and horsepower. With careful selection of nozzle sizes, operating pressure and spacing, the actual water required for maintaining the soil moisture at field capacity is applied uniformly at a rate to suit the infiltration rate of soil thereby obtaining efficient water application.
            It is estimated that the sprinkler irrigation system substantially reduces the use of water and the crop productivity also increases.
Suitable Crops
            Nearly all crops are suitable for sprinkler irrigation system except crops like paddy, jute, etc. The dry crops, vegetables, flowering crops, orchards, plantation crops like tea, coffee are all suitable and can be irrigated through sprinklers.

            Fertilizers and pesticides can be effectively applied in split doses through sprinklers at little extra cost. This facilitates uniform fertilizer application and effective pest control.
The overall cost of labour is generally reduced.
Erosion of soil cover which is common in surface irrigation can be eliminated.


                                    Unit Cost of Installing Sprinkler Irrigation on a 1 Hectare Plot is as follows:


Unit cost(in Rs.)

Repayment period (9 years)

1-2 hectare




Under this scheme, the agriculturist can get his case sponsored from PEDA (Punjab Energy Development Agency), Chandigarh or from the concerned Manager avail of the subsidies offerred . Under it, for a 3.5 horsepower set, a loan of 4.50 lakh Rs. is disbursed. Repayment of loan is 9 years in equated annual installments.



 Under this scheme, for a 10m longX10 m broad X 10 m depth tank, loan of Rs. 35000/- is disbursed. Loan Repayment is 9 years in equated annual installments and grace period is 2 years.


For Repayment Schedule of the above schemes click here ........