8. United Bhumiheen Kisan Credit Card

Objective:

The objective of the United Bhumiheen Kisan Credit Card (UBKCC) is to provide production credit coupled with the provision of consumption credit and credit for liquidation of loan availed from informal sector and for meeting genuine need of the farmers who are landless tenant farmers, oral lessees, bargadars and share croppers for availing working capital assistance for agriculture and allied activities like dairy, poultry, fishery, piggery, duckery, horticulture, nursery, ornamental fishery, vegetable orchard and bee-keeping, etc.

Eligibility:

1.       Any individual belonging to the above category.
2.       SHG/Joint Liability Group of the above category of farmers.
3.      Contract farmers under tie-ups with sugarcane, potato, vegetables, fruits and horticultural crops processing units and other processing units in allied agricultural activities.

Limit:

a)       Maximum Rs.25,000/- for all the above purposes together. Out of the above limit Rs.5000/- may be utilised for investment credit purpose if required by the borrower.
b)       Consumption loan limit not to exceed Rs.2500/-.
c)       Repayment of loans to informal sector maximum Rs.5000/- on the basis of documentary evidence and certified by the Panchayet Prodhan.
d)       Scale of finance as fixed by District Level Technical Committee(DLTC) and unit cost fixed by NABARD will be applicable.
e)       For cultivation of multiple crops different sub-limits to be fixed.

9. United Gramin Sahaj Credit Card

The Salient features of United Gramin Sahaj Credit Card Scheme are as under:

Objective:

• The scheme shall cover general credit needs of our customers in rural and semi urban areas. The objective of the scheme is to provide hassle free credit for any purpose to the customers based on the assessment of income / cash flow of the household without insisting for purpose & ensuring end use of the fund & without insisting collaterals etc. - in line with issuing of General Credit Card. Implementation
• The scheme will be implemented in all rural and semi urban branches of the bank

Nature of accommodation:

The credit facility to be extended under the scheme will be in the nature of revolving overdraft facility. The UGSCC holder will be entitled to draw cash from the branch from where the limit will be sanctioned and a passbook will be issued stating the limit etc. affixing photograph.

Eligibility:

• Any individual household having regular income from salary, business, profession and any other economic activities (Farm and Non Farm activities) like agriculture, pisiculture, dairy, poultry, piggery, duckery, transport operating, craftsmanship, artisanship, etc. 
  
• Preference to be given to women beneficiaries under the scheme.