List of Approved Agricultural Machinery Covered Under the Loan Scheme
The Approved Agricultural Machinery List Punjab Loan Scheme is a groundbreaking initiative by the Punjab Government to modernize agriculture through interest-free loans of up to PKR 30 million. Under this scheme, farmers, service providers, and agri-entrepreneurs can acquire advanced agricultural machinery without paying any interest.
To ensure transparency and proper utilization of funds, the government has released a List of Approved Agricultural Machinery Covered Under the Loan Scheme, which specifies which equipment is eligible for financing.
This article explains all approved machinery categories, their uses, loan coverage options, and easy FAQs to help farmers make the right choice.
Key Highlights of the Machinery Loan Scheme 2025:
- Loan Amount: Up to PKR 30 Million (Interest-Free)
- Equity Contribution: Minimum 20% deposit by applicant
- Eligibility: Farmers, service providers & agriculture businesses
- Machinery Types: Local & Imported models approved
- Loan Tenure: 3 to 5 years (installment-based)
Read Also: Eligibility Criteria for CM High Tech Farm Mechanization Scheme 2025
List of Approved Agricultural Machinery Covered Under Loan Scheme:
Approved Agricultural Machinery Covered Under the Loan Scheme is the official list of machinery categories that can be financed through this scheme:
| Machinery Type | Purpose | Eligible Applicants |
|---|---|---|
| Tractors (50HP – 120HP) | Ploughing, Tilling, Cultivation | Small & Large Farmers |
| Combine Harvesters | Wheat, Rice, Maize Harvesting | Service Providers / Cooperatives |
| Reaper Binders | Cutting Wheat / Rice Crops | Individual Farmers |
| Rotavators & Cultivators | Soil Preparation | Farmers & Contractors |
| Seed Drills / Planters | Wheat, Maize, Cotton Sowing | Farmers Using Mechanized Sowing |
| Laser Land Levelers | Precision Leveling to Save Water | Irrigation Service Providers |
| Happy Seeders / Straw Choppers | Wheat Residue Management | Farmers Avoiding Crop Burning |
| Sprayers & Boom Sprayers | Pesticide / Fertilizer Application | Large-Scale Farmers |
| Sugarcane Planters & Diggers | Mechanical Sowing & Harvesting | Sugarcane Growers |
| Potato Diggers & Harvesters | Potato Farming Mechanization | Vegetable Growers |
| Rice Transplanters | Paddy Transplanting | Rice Belt Districts |
| Fodder Choppers / Silage Machines | Livestock Feed Preparation | Dairy Farmers |
| Drip & Sprinkler Irrigation Systems | Water Efficient Irrigation | Orchard & Vegetable Farmers |
Detailed Explanation of Approved Machinery Categories:
1️⃣ Tractors (50HP – 120HP)
The scheme allows both locally manufactured and imported tractor models, making it easier for farmers to choose according to their land size. Tractors are covered up to 80% financing under the loan.
2️⃣ Laser Land Levelers
Water wastage is a major issue in Punjab. With laser levelers, farmers can save up to 40% irrigation water, leading to higher crop yields. These are especially recommended for wheat and rice growers.
3️⃣ Combine Harvesters
Farmers can now lease or buy Combine Harvesters through interest-free loans, allowing timely harvesting without labor dependency. Service providers can also rent them commercially for profit.
4️⃣ Seed Drills & Planters
For wheat, cotton, and maize, mechanized sowing ensures even seed placement and higher germination rate compared to manual broadcasting.
5️⃣ Sprayers & Boom Sprayers
To control diseases and insect attacks, farmers can now get mounted or self-propelled boom sprayers, which cover larger areas in less time.
Read More: Punjab Businesses Must Register by October 31, 2025
How to Choose the Right Machinery?
| Farming Type | Best Machinery Option |
|---|---|
| Wheat / Rice Farmers | Combine Harvester, Seed Drill, Laser Leveler |
| Sugarcane Growers | Cane Planter & Digger |
| Vegetable Growers | Potato Digger, Sprayer, Drip Irrigation |
| Livestock Farmers | Silage Machine, Fodder Chopper |
| Custom Hiring Center / Service Provider | Tractor + Multiple Implements |
Benefits of Using Approved Machinery Under Loan Scheme:
✅ No Interest — 0% Markup
✅ Higher Yield & Faster Operations
✅ Reduced Labor Dependency
✅ Fuel & Water Savings
✅ Eligible for Government Subsidies & Support Programs
Read Also: CM Punjab IT Internship Program 2025
FAQs Approved Agricultural Machinery List Punjab Loan Scheme 2025:
1. Can I buy used machinery under this scheme?
❌ No. Only brand new approved machinery is allowed for financing.
2. Is imported machinery allowed?
✅ Yes, both local and imported brands listed under approved models are allowed.
3. Do I need land ownership to apply?
✅ Yes, land ownership or registered lease documents are required.
4. What is the down payment requirement?
🟢 Minimum 20% equity contribution by the applicant.
5. How long will the repayment tenure be?
🕒 3 to 5 years, depending on machinery type.
6. Can service providers also apply?
✅ Yes, custom hiring centers and contractors are fully eligible.
7. Can I apply for more than one machinery item?
✅ Yes, as long as total loan amount stays within PKR 30 Million.
Conclusion:
The Approved Agricultural Machinery List Punjab Loan Scheme is a golden opportunity for farmers in Punjab to shift from manual to modern agriculture. With zero interest financing and a large list of approved machinery, every farmer small or large can now afford advanced equipment without financial stress.
