PM KUSUM(Pradhan Mantri urja Suraksha evam Utthaan Mahabhiyan) Scheme-Solar Energy
Sarkari Yojana
PM KUSUM(Pradhan Mantri urja Suraksha evam Utthaan Mahabhiyan) Scheme-Solar Energy
| Name Of Post : | PM KUSUM(Pradhan Mantri urja Suraksha evam Utthaan Mahabhiyan) Scheme-Solar Energy |
|---|---|
| Organization : | Punjab National Bank (PNB) |
| Post Date / Update : | 07 August 2026| Update: 11 August 2026 |
| Post Type : | Sarkari Yojana |
| Total Post : | N/A |
| Short Information : | Punjab National Bank (PNB) provides solar energy loans under the PM KUSUM Scheme for setting up solar power plants and agriculture solar pumps. Eligible farmers, cooperatives, and developers can get loans up to ₹10 Crore with attractive interest rates starting at 8.40% per annum. Read the official notification guidelines for complete details on collateral, documentation, and application procedures. |
Punjab National Bank (PNB) ne PM KUSUM (Pradhan Mantri Urja Suraksha evam Utthaan Mahabhiyan) Scheme ke tehat kisanon aur solar developers ke liye financing aur loan guidelines ka poora details jaari kiya hai. Yeh scheme original roop se year 2019 me launch ki gayi thi taaki kisan apni zameen par solar power plant laga sakein aur purane diesel pumps ko solar pumps me badal sakein. Punjab National Bank kisanon ko solar pumps aur grid connected solar power plants lagane ke liye aasan kist aur kam byaj dar par term loan ki suvidha pradan kar raha hai. Interested kisan aur beneficiaries official notification ko dhyaan se padho aur apni najdiki PNB branch me avedan karo.
PM KUSUM Scheme Components ke andar mukhya roop se teen alag-alag components hain jinke tehat loan pradan kiya jata hai. Component-A ke tehat ground mounted ya stilt mounted grid connected solar power plants lagane ke liye maximum ₹10 Crore tak ka loan milta hai. Component-B ke andar stand-alone solar agriculture pumps lagane ke liye need-based loan diya jata hai. Component-C me do hisse hain: Individual Pump Solarisation (IPS) aur Feeder Level Solarization (FLS/C2), jisme bhi kisanon ki zaroorat ke hisaab se loan amount tay kiya jata hai.
PM KUSUM Eligibility Criteria ke antargat sabhi chote aur seemant kisan (Small & Marginal Farmers), individual farmers, kisan samuh, cooperatives, aur solar project developers aavedan kar sakte hain. Component A ke liye grid connected solar power plant lagane wale developers ya kisan paatr hain. Component B aur Component C ke liye wo kisan paatr hain jo apne khet me solar pump lagana chahte hain ya apne purane electric aur diesel pumps ko solarize karna chahte hain. Punjab National Bank ne chote aur seemant kisanon ke liye vishesh byaj dar aur kam collateral ki suvidha di hai.
PM KUSUM Scheme Application Dates aur timeline ki baat karo toh yeh scheme year 2019 se chal rahi hai aur PNB ke sabhi branches me iska loan process chalu hai. Kisan apni zaroorat ke hisaab se kisi bhi karyadiwas (working day) me Punjab National Bank ki najdiki branch me jaakar loan ke liye avedan kar sakte hain. Bank dwara loan ki avadhi component ke aadhar par 10 saal se 15 saal tak tay ki gayi hai. Scheme ke tehat Agriculture Infrastructure Fund (AIF) ke labh bhi prapt kiye ja sakte hain.
PM KUSUM Scheme Age Limit aur basic borrower criteria ke baare me bank dwara koi hard age limit mention nahi ki gayi hai, lekin candidate ka adult (18+ years) hona aur valid land ownership ya lease agreement hona zaroori hai. Kisanon ke paas unki zameen ke sahi dastawez hone chahiye taaki bank charge create kar sake. Small & Marginal farmers ke liye collateral aur mortgage sharton me vishesh chhoot di gayi hai jisse chote kisan bhi aasaani se solar loan le sakein.
PM KUSUM Loan Fee Structure ke liye official notification me koi alag se fixed processing fee ki jagah standard PNB bank norms lagu hote hain. Scheme ke tehat alag-alag components par Agriculture Infrastructure Fund (AIF) ka labh milta hai, jisse interest subvention ka fayda bhi prapt hota hai. Component A, Component B, aur Component C (IPS) AIF ke tehat eligible hain, jabki Component C2 (FLS) AIF ke andar eligible nahi hai. Detailed fee structure ke liye apni PNB branch se sampark karo.
PM KUSUM Interest Rates (ROI) 3-Month MCLR ke aadhar par tay kiye jaate hain. Bank ke Internal Risk Rating (IRR) ke anusaar A1 se A3 rating par MCLR rate lagu hota hai. A4 se B1 rating par MCLR + 0.25%, B2 rating par MCLR + 1.50%, aur B3 & below rating par MCLR + 2.50% ka byaj rate lagta hai. Halanki, Small aur Marginal Farmers jin ki IRR B1 tak hai, unke liye present Rate of Interest MCLR (3 Month) yani filhal 8.40% per annum fix kiya gaya hai.
PM KUSUM Scheme Collateral Security ki shart har component ke liye alag hai. Component-A me IP ke roop me kisi collateral ki zaroorat nahi hoti hai. Component-B aur Component-C (IPS) me zameen par charge ya mortgage liya jata hai, jo normal farmers ke liye 75% aur small/marginal farmers ke liye loan amount ka 50% hota hai. Component-C2 (FLS) ke liye kam se kam 30% collateral property, liquid security, ya CGTMSE coverage ke roop me dena hota hai.
PM KUSUM Repayment Term Period Component-A aur Component-C2 (FLS) ke liye 15 saal rakha gaya hai. Dusri taraf, Component-B aur Component-C (IPS) ke liye repayment duration 10 saal tay ki gayi hai. Kisan apni fasal aur aay ke aadhar par aasan kiston me loan ka bhugtan kar sakte hain. Iske sath hi solar plant se utpadit bijli ko DISCOM ko bechkar hone wali aay se bhi loan ki kist chukayi ja sakti hai.
📅 Important Dates
| Scheme Launch Year | 2019 |
| Loan Application Status | Ongoing at PNB Branches |
📋 Vacancy Details
| Post Name | Total Posts | Eligibility |
|---|---|---|
| PM KUSUM Component A (Solar Power Plant) | Need Based | Ground/Stilt Mounted Grid Connected Solar Power Plants up to ₹10 Crore Loan |
| PM KUSUM Component B (Stand-alone Solar Pump) | Need Based | Installation of Stand-alone Solar Agriculture Pumps |
| PM KUSUM Component C (Individual Pump Solarisation) | Need Based | Solarisation of existing agriculture pumps |
| PM KUSUM Component C2 (Feeder Level Solarization) | Need Based | Feeder level solarization projects |
✅ Selection Process
- Registration on State Renewable Energy Portal
- Issuance of Letter of Award / Allotment
- PNB Loan Application & Land Verification
- Credit Appraisal & Sanction
- Agreement Signing & Loan Disbursement
📊 PM KUSUM Scheme Components & Loan Benefits
| Component | Purpose / Quantum | Loan Amount Limit | Term Period | AIF Eligibility |
|---|---|---|---|---|
| Component A | Setting up Ground/Stilt Mounted Grid Connected Solar Power Plants | Maximum ₹10 Crore | 15 Years | Yes |
| Component B | Installation of Stand-alone Solar Agriculture Pumps | Need Based | 10 Years | Yes |
| Component C (IPS) | Individual Pump Solarisation | Need Based | 10 Years | Yes |
| Component C2 (FLS) | Feeder Level Solarization | Need Based | 15 Years | No |
📊 PNB PM KUSUM Interest Rates (ROI) & Collateral Norms
| IRR / Borrower Category | ROI (Spread over 3-Month MCLR) | Present Rate | Collateral Requirement |
|---|---|---|---|
| A1 to A3 Rating | MCLR | MCLR Rate | Varies by Component |
| A4 to B1 Rating | MCLR + 0.25% | MCLR + 0.25% | Varies by Component |
| B2 Rating | MCLR + 1.50% | MCLR + 1.50% | Varies by Component |
| B3 & Below Rating | MCLR + 2.50% | MCLR + 2.50% | Varies by Component |
| Small & Marginal Farmers (IRR upto B1) | MCLR (3 Month) | 8.40% | 50% Loan Value Mortgage (Comp B/C) / No IP Collateral (Comp A) |
📊 Loan Amount & Documentation Guidelines
| Loan Category | Required Documentation Checklist | Collateral / Security Norms |
|---|---|---|
| Loan Up to ₹2 Lakhs (Comp B & C) | Simplified Application cum Sanction, Hypothecation Agreement | Charge/Mortgage on land (50% for Small/Marginal, 75% for Others) |
| Loan Above ₹2 Lakhs (Comp B & C) | Application for Agricultural Credit, Hypothecation Agreement, Guarantee Deed, Mortgage Deed | Charge/Mortgage on SARFAESI compliant agricultural land |
| Component A & C2 (Grid/Feeder Solar) | Application Form, Letter of Award, PPA, Networth Report, Insurance Letter, Term Loan Agreement | Component A: No IP Collateral | Component C2: Min 30% Collateral/CGTMSE |
📄 Documents Required
- Application Form / Agricultural Credit Application
- Letter of Award from State Nodal Agency
- Power Purchase Agreement (PPA)
- Status Cum Networth Report
- Authority Letter for Insurance
- Hypothecation Agreement
- Term Loan Agreement & Agreement of Guarantee
- Land Revenue Records (Charge/Mortgage on Agricultural Land)
- Sanction Letter & Facility Agreement for Term Loan
📝 How To Apply / Register for This Scheme
- Visit the official PM KUSUM portal or state renewable energy development agency (SDA) website to register for the scheme.
- Obtain the Letter of Award / Selection Letter from the state nodal agency for your solar plant or pump project.
- Visit the nearest Punjab National Bank (PNB) branch and request the PM KUSUM loan application form.
- Fill out the application form with complete personal, agricultural land, and solar project details.
- Attach required documents including identity proof, land revenue records, Power Purchase Agreement (PPA), and Networth Report as applicable.
- Submit the completed application form along with all documents to the PNB bank branch manager.
- The bank will verify the land documents, credit rating, and project details for loan sanctioning.
- Upon loan approval, complete the hypothecation and loan agreements to receive fund disbursement.
🔗 Important Links
| Check Scheme Details | Click Here |
| Official Website | www.pnbindia.in |
| Join WhatsApp Channel | Click Here |
| Join Telegram Channel | Click Here |
❓ PM KUSUM(Pradhan Mantri urja Suraksha evam Utthaan Mahabhiya — Important Questions
1. PM KUSUM Scheme kisne launch ki aur iska loan kis bank se milta hai?
PM KUSUM Scheme 2019 me Govt of India dwara launch ki gayi thi aur Punjab National Bank (PNB) iske tehat solar loan pradan karta hai.
2. PM KUSUM Component A ke tehat kitna loan mil sakta hai?
Component-A ke tehat grid connected solar power plant lagane ke liye maximum ₹10 Crore tak ka loan mil sakta hai.
3. PM KUSUM loan par small aur marginal farmers ke liye interest rate kya hai?
Small & Marginal Farmers jin ki IRR B1 tak hai, unke liye present rate of interest 3-Month MCLR ke barabar yani 8.40% per annum hai.
4. PM KUSUM Component B aur C ke liye loan chukane ki samay avadhi (Term Period) kitni hai?
Component-B aur Component-C (IPS) ke liye loan repayment duration 10 saal hai.
5. Kya PM KUSUM loan ke liye collateral security dena zaroori hai?
Component-A me IP collateral zaroori nahi hai, jabki Component B & C me zameen par mortgage/charge liya jata hai.
6. PM KUSUM scheme ke andar kis component me Agriculture Infrastructure Fund (AIF) ka labh milta hai?
Component A, Component B, aur Component C (IPS) AIF ke tehat eligible hain, jabki Component C2 (FLS) eligible nahi hai.
7. ₹2 Lakh tak ke loan ke liye kaun-se documents chahiye?
₹2 Lakh tak ke loan ke liye simplified application cum sanction form aur hypothecation agreement ki zaroorat hoti hai.
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Note: Apply karne ya result check karne se pehle official notification / website zaroor verify karein. Sarkari Alarm sirf jaankari provide karta hai — saare official links upar diye gaye hain.