1. Indian Bank Kisan Credit Card ( KCC )

Eligibility: All Farmers

Purpose:

• To meet the short-term credit requirements for cultivation of seasonal, annual and perennial crops.
  
  
• The district wise scale of finance will be taken as indicatory cost.
  
  
• Besides the above, KCC limit will be arrived at as given below:
  
  
• Post-harvest / Household requirements of the farmer at 10% of the limit fixed subject to a maximum of Rs.25000/- per farmer.
  
  
• 10% towards maintenance of farm assets subject to a maximum of Rs.25000/- per farmer.
  
  
• Provision for escalation in the cost of cultivation at 20% towards increase in scale of finance at 10% per year.
  
  

IBKCC Plus (Indian Bank Kisan Credit Card Plus )

This scheme additionally caters to the needs of Agri Medium term loan requirement of the farmers also in the KCC scheme as "KCC Plus". The eligible loan amount is arrived as below.

20% of the Maximum Permissible Limit (MPL) will be built as a term loan to enable the farmer to purchase farm assets based on his/her requirements including Agri/Allied activities.

2. Golden Harvest Scheme
 
Eligibility: All Paddy & Sugarcane Growers in the State of Andhra Pradesh and Tamil Nadu only.

Purpose:

• To enhance scale of finance covering the cost of cultivation for high yielding crops irrigated crops with high seed cost and dose of fertiliser.
  
• To mitigate the problem of under financing, the scale of finance for two major crops in Andhra Pradesh and Tamil Nadu viz., Sugarcane and Paddy have been revised.

Amount of Loan:

Sugar Cane: Presently Rs.600 per gram (or) 70% of the market value of the jewels to be pledged, whichever is lesser.

Paddy (for TN): Scale of Finance: 50% of value of the estimated yield or Rs.10,000/- per acre whichever is lower.

Source: www.indian-bank.com