Objectives:

• Kisan Credit Card Scheme aims at providing need based and timely credit support to the farmers for their cultivation needs as well as non-farm activities and cost effective manner. 
  
• To bring about flexibility and operational freedom in credit utilisation.

Eligibility: 

a) Under the scheme, Branches may issue Kisan Credit Cards to the farmers who are otherwise eligible for sanction of short term credit for crop production, allied activities and other non-farm activities. 
b) The farmers should come from the operational area of the Branch. 

Issue of Cards: 

a) The farmers under the scheme will be issued a credit card-cum-passbook incorporating the name, address, particulars of land holding, borrowing limit / sub-limits, validity period, etc. to facilitate recording of the transactions on an on-going basis. The passbook, among others, would provide for a passport size photograph of the beneficiary. 
b) The beneficiary farmer should produce the passbook while operating the account. 

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16. Kisan All Purpose Credit Card:

To provide hassle free single term loan limit to farmers for all term loan requirements like Farm Mechanisation, Land Development, Minor Irrigation, Water Conservation, Horticulture, Allied activities and other agri related activities, etc. excluding orchards/ plantation crops having long gestation period

Eligibility: Individual, Joint/ Group of farmers- owner cultivators .And JLGs / SHGs etc. engaged in Agriculture and related activities.

Quantum of finance: To be based on the investment plan given by the farmer to be undertaken in the next 2-3 years It shall be subject to 5 times of annual income (current pre development stage) of the farmer including allied activities or 50% of the value of lland mortgaged whichever is lower, with a maximum Rs.20 Lakh

Rate of interest: Linked to Base Rate as per extant guidelines issued from time to time.

Repayment: Repayable within 9 years