Why My Farming Loan Application Is Still Pending After Submission?
Many farmers submit their farming loan applications with great hope that they will receive financial support on time. They plan to use this loan for crop expenses, fertilizers, seeds, machinery, and better farm management. But when they check the status after many days, it still shows “Pending” or “Under Review,” which creates tension and confusion among farmers.
This delay makes farmers worried and unsure about what went wrong. They start thinking whether they made any mistake in the form, whether their documents were incomplete, or whether the bank is intentionally delaying their case. Due to lack of information, many farmers feel helpless and do not understand what to do next.
To help farmers understand this situation clearly, cmhightech.com.pk explains the real reasons behind pending farming loan applications. In this detailed guide, we will discuss why the loan status remains pending, how the verification process works, and what farmers should do to get their loan approved faster.
Understanding What “Pending” Really Means
Before panicking, it is important to understand that pending does not mean rejection.
A pending status usually means:
- Your application is received successfully
- It is currently being reviewed
- Verification is still in progress
- Approval or rejection decision is not yet made
So, pending is a normal step in the loan approval journey. Every agricultural loan, subsidy loan, or government-supported financing program goes through different stages.
How Long Does a Farming Loan Normally Take?
Processing time depends on:
- Type of loan program
- Bank or financing institution
- Government subsidy involvement
- Area and workload
- Verification complexity
Normally, farming loans can take:
- 7 to 14 days – in simple bank agriculture loans
- 3 to 6 weeks – in government subsidy or seasonal schemes
- 1 to 2 months – if physical land verification is required
So if your application is still pending within this period, it is usually considered normal.
Major Reasons Why Your Farming Loan Application Is Still Pending
Below are the most common reasons why loans do not get approved immediately.
1. Incomplete or Incorrect Documents
This is the biggest reason most applications get stuck.
Banks and authorities must verify your identity, farm ownership, and purpose of loan. If anything is missing or incorrect, the file automatically goes into hold or pending status.
Common document problems include:
- Missing CNIC copy
- Expired CNIC
- No proper land ownership papers
- Land documents not updated in records
- Incorrect personal details
- Wrong contact number
- Incomplete application form
- No signature or thumb impression
Even a small mistake can delay approval.
2. Land Ownership Verification Issues
For most agriculture loans, banks verify whether the farmer truly owns or legally uses the land. If there is any issue in land records, the application stays pending.
Problems that cause delay:
- Joint property disputes
- Land mutation not updated
- No computerized land record entry
- Old manual land papers
- Land registered on father but applicant applying
- Leased land without agreement proof
If verification officers cannot confirm ownership, they do not move the file forward.
3. Eligibility Problems
Sometimes the farmer may not fulfill eligibility conditions fully, so the application remains pending until clarification.
Eligibility issues may include:
- Not meeting income criteria
- Farm size requirement mismatch
- Already having unpaid loan
- Applying outside allowed district
- Age limitations
- Scheme-specific restrictions
Instead of rejecting instantly, banks keep such files pending until they receive clarification.
4. Bank Workload and Processing Delays
Sometimes the problem is not with you — the problem is inside the bank.
Common internal reasons:
- High number of applications during season
- Short staff availability
- Slow manual processing
- Delay in internal approval
- Technical system downtime
- File movement between departments
Government schemes especially get overloaded because thousands of farmers apply at the same time.
5. Physical Verification Still Pending
Many agriculture loan programs require field inspection.
Bank or government officers visit:
- Your farm
- Crops
- Machinery (if applying for machinery loan)
- Land area
- Farming activity
If this visit has not happened yet, your application will stay pending.
6. Financial or Credit Check Issues
Banks also analyze whether the farmer can return the loan or not.
Delays occur if:
- Previous bank loan default history
- Poor bank statement
- No income proof
- Existing heavy loans
- Defaulter in any other scheme
In such cases, banks take extra time to evaluate risk.
7. Subsidy or Government Approval Delay
If the loan is linked to a subsidy program, installment scheme, or government support, the file must pass through multiple departments.
This naturally increases time.
What You Should Do If Your Application is Still Pending?
Instead of worrying or getting frustrated, take the following practical steps.
Step 1: Check Your Application Status Regularly
Do not just submit and forget. Keep monitoring.
- Visit the bank branch
- Call helpline
- Check online portal (if available)
- Keep your application number safe
Regular follow-up is necessary.
Step 2: Confirm Document Completion
Visit your bank and politely ask:
“Is any document missing? Do you need anything else from my side?”
If any paper is missing, submit it immediately.
Step 3: Clear Land Record Issues
Make sure:
- Land documents are updated
- Property ownership name matches CNIC
- Mutation and fard records are correct
- Lease agreements are documented (if tenant farmer)
Visit land record centers if needed.
Step 4: Cooperate in Verification
If officers call you for physical verification, ensure:
- You answer calls
- Your number remains active
- You are available at farm when they visit
Non-cooperation leads to delay.
Step 5: Keep Patience
Agriculture loans usually take time due to multiple checks. As long as the status is “Pending” and not “Rejected,” you still have a strong chance.
When Should You Get Worried?
You should start worrying only if:
- Status is pending for more than 2 months
- Bank is not responding at all
- Application disappeared from system
- They clearly say “no update” repeatedly
In that case, ask for written explanation or apply again with corrections.
Common Mistakes Farmers Make
Many farmers unintentionally create problems themselves:
- Submitting incomplete files
- Providing wrong mobile number
- Depending fully on agent instead of checking themselves
- Ignoring follow-ups
- Not understanding eligibility criteria
- Believing rumors instead of bank information
Avoid these mistakes to get faster approval.
Final Words – Why My Farming Loan Application Is Still Pending After Submission?
If your farming loan application is still pending after submission, do not panic. In most cases, it simply means the bank or department is verifying details, checking documents, and completing internal procedures.
Instead of stressing, stay active, stay informed, keep contacting your bank, and ensure your documentation is complete.
With patience and proper follow-up, most genuine farmer applications eventually get approved.
