1. Kisan Gold Card Scheme

Purpose: Purchase of Agricultural implements, Bullocks and carts, Land Development, repairs to Farm machinery and meet the consumption needs of the farmers viz. Education, Marriage etc., other than purchase of land, construction of farm house, purchase of tractors & accessories.

Eligibility: Farmers having excellent repayment track record of their ACC / ATL a/cs for the past 2 years irrespective of their land holdings

Quantum of Loan

Five times the annual income or 60% of the value of land mortgaged as collateral security whichever is less with a maximum of Rs.10 lacs.
Loan for consumption purpose should not exceed 40% of the total limit

Margin: 20% and 30% (Consumption purpose)

Interest: As applicable to Agricultural Term Loans.

Repayment: Each loan has its own repayment schedule with a maximum of 6-7 years

Other terms: This facility is in addition to KCC limit and treated as ATL a/cs (maximum of 5 a/cs), consumption purpose ATL is treated as clean Term Loan.

2. Kisan Credit Card Scheme

Purpose: To meet the timely Cash Credit and Consumption credit requirements of the farmers

Margin: No separate margin to be insisted.

Eligibility: All farmers

Quantum of loan: Entire crop production requirements for full year is fixed based on operational land holding, cropping pattern and applicable scale of finance plus 10% towards consumption plus 20%( for the first year only ) towards maintenance as Ancillary to crop production viz. maintenance of Agri-machinery implements, electricity charges etc.,

Drawing power: Yearly drawing may be fixed based on seasonality in credit requirements, projected cash flow / repayment , peak level requirement with 10 % enhancement in limits every year for a period of 5 years.

Repayment: KCC is like revolving cash credit limit valid for 5 years subject to annual review. Repayment to coincide with harvesting / marketing. Any number of withdrawals and repayment within the limit allowed and no withdrawal should remain outstanding beyond 12 months.

Credit card: KCC cum Smart card cum debit cards effective for 5 years facilitating year wise withdrawals & operations in the KCC accounts up to respective limits will be issued to the farmer borrowers.

Mode of withdrawal: Withdrawal slips and Smart Cards through ATMS.

Other terms: As applicable to Agricultural Advances