Introduction and Eligibility: *This facility is in addition to the Kisan Credit Card (KCC). Eligibility norms-

a) Farmers, irrespective of the extent of land holdings, with excellent repayment record of their KCC and ATL accounts for the past two years as on the date of application will be eligible for this facility.

b) Farmers who have closed their accounts without any default in the last three but are not our current borrowers may be covered.  

c) Farmers who have defaulted in repayments but liquidated their entire dues within the stipulated repayment period may also be considered.

d) New borrowers who maintain sizeable deposit with our branches for the last 3 to 4 years.

e) Good borrowers of other banks having good track record of repayment of loan.

* New Farmers are not eligible under the scheme.

Purpose: For purchase of agriculture implements, land development, purchase of bullock and carts etc. 

Quantum of Finance: Maximum up to Rs. 10.00 Lacs.

Nature of Loan: Agriculture Term Loan

Interest Rate: 7% for limits up to Rs 3 Lacs & for greater limits, interest rate will be charged as per Bank’s norms.

Validity:  The Kisan Gold Card limit sanctioned is valid for a period of one year.