Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
  • HDFC Kisan Credit Card

    The HDFC Kisan Credit Card was rolled out help farmers avoid the burden of loans repayments. The card provides loans to the farmers at reasonable rates. This Kisan Credit Card offers a relief to debt-ridden farmers.

    Key Highlights of the HDFC Kisan Credit Card

    • Receive bank interest rates of about 9%.
    • You will receive a credit period of 12 months.
    • You will be provided coverage for all failed crops after pest attacks and natural calamities.

    Features and Benefits of the HDFC Kisan Credit Card

    Credit Benefits

    • The credit card has to be renewed on an annual basis.
    • The HDFC Kisan Credit Card is valid for 5 years.
    • You will receive a credit period of 12 months.
    • Your loans will have to be repaid after the harvest and the sale of your crops.
    • You can get an extension of loan amount up to four years or more if there is a failure of crop season.

    Interest Rate Benefits

    • Receive bank interest rates of about 9%.

    Insurance Benefits

    • If you are an HDFC Kisan Credit Card holder, you will receive an insurance coverage under the National Crop Insurance (NCI) scheme for specific crop loans.
    • You will be provided coverage for all failed crops after pest attacks and natural calamities.
    • Receive personal accident cover if you are under 70 years of age.

    HDFC Kisan Credit Card Limit

    The maximum credit limit for this card is Rs.3 lakhs. You will also get a cheque book along with this credit card. The credit limit for this is Rs.25,000.

    Eligibility Criteria of the HDFC Kisan Credit Card

    The eligibility criteria for HDFC credit card are as follows:

    • To be eligible for this card, you should have a good credit score.
    • Minimum Age – 18 years
    • Maximum Age – 75 years
    • In case a borrower is a senior citizen (age more than 60 years), a co-borrower is mandatory where the co-borrower should be a legal heir.
    • All farmers – individuals/joint cultivators, owners.
    • Tenant farmers, oral lessees, and sharecroppers, etc.
    • SHGs or joint liability groups including tenant farmers.

    Documents required for the HDFC Kisan Credit Card

    The documents that might be required by the bank to process Kisan Credit Card Loan scheme in India are:

    Proof of Identity PAN Card, Aadhaar Card, Voter’s ID Card, Passport, Driving Licence or any other government approved photo ID
    Proof of Address Aadhaar Card, Passport, Utility bills (not more than 3 months old) or Any other government approved address proof
    Proof of Income Bank statement for the last 3 months, Salary slips for the last 3 months, Audited financials for the last two years (for self-employed), Form 16, etc.

    HDFC Kisan Credit Card Application Procedures

    • You can go to any cooperative, regional and nationalised, banks and apply for the HDFC Kisan Credit Card.
    • Before the sanction of the HDFC Kisan Credit Card, the bank will look through your credit score.
    • The bank will also check your crop pattern, land holdings, and income before they approve your application for the credit card.

    HDFC Kisan Credit Card Customer Care Number:

    For further details you can contact - 1800115526 or 0120-6025109.

    FAQs on HDFC Kisan Credit Card

    1. What interest rate will I get with this card?

      You will get an interest rate of 9% with the HDFC Kisan Credit Card.

    2. Should I apply for this card by going to the bank?

      You can always visit any regional, cooperative, and nationalised bank to apply for credit card. Before the application for this card is approved, the bank will look at your credit score. They will also check other factors like your land holdings, income and also the crop pattern.

    3. How long is the credit tenure?

      With the HDFC Kisan Credit Card, you will receive credit for a period of 12 months.

    4. Will I get an accident cover under this card?

      Yes, you will receive a personal accident insurance cover if you are below 70 years of age.

    5. Is there any limit for the credit card?

      Yes, the HDFC Kisan Credit Card comes with a maximum credit limit of Rs.3 lakhs.

    6. Are there any other insurance benefits I will get with the HDFC Kisan Credit Card?

      Yes, under the National Crop Insurance (NCI) scheme, you will get an insurance coverage for specific crop loans.

    7. Is a good credit score necessary for the KCC?

      Yes, it would help if you have a good credit score. To understand your score, you should discuss it with the issuing authority.

    8. Does a farmer need to visit an HDFC bank’s branch to get the card?

      No, it is not necessary for a farmer to visit a branch of the HDFC bank to apply for the card. He can visit any cooperative, regional, or nationalized bank in his bank to apply for the card.

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