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    Indusind Bank Kisan Credit Card is Rated as "Great!" by 459 Users

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    IndusInd Bank Kisan Credit Card Overview:

    IndusInd Bank offers its Kisan credit Card called “Indus Kisan” to farmers, in order to empower them financially. This Direct Agri-Funding Product offered by the Bank aims to provide short-term and long-term credit facility to all eligible applicants so as to assist in their farming requirements and requirements pertaining to allied activities. The loans are provided against a security and the loan amount will be determined based on the farmer’s landholding as well as his/her investment requirements.

    Features and Benefits of the IndusInd Bank Kisan Credit Card - Indus Kisan Credit Card:

    The credit extended to farmers are based on categories falling under the segments of Agricultural Activities and Agri-Allied Activities such as Fisheries, Dairy, Poultry, etc.

    Production Loan or Crop Loan:

    Under credit extended to agricultural activities, Production Loan or Crop Loan is one of the provisions. This loan is provided to farmers for the purpose of meeting their working capital needs for crop farming.

    Investment Loan:

    Investment Loan is another provision under credit extended to agricultural activities. This loan is provided to farmers for the purpose of meeting their long term requirements such as need for agricultural equipment such as sprayers, pumps, and so on.

    Agri-Allied Overdraft:

    Agri-Allied Overdraft is a provision offered under the loans offered through Indus Kisan Credit Card for agri-allied activities. This loan is extended to farmers by IndusInd Bank for the purpose of meeting their working capital requirements in relation to agri- allied activities such as Fisheries, Dairy, Poultry, etc.

    Agri-Allied Term Loan:

    Agri-Allied Term Loan is another provision offered under the loans offered through Indus Kisan Credit Card for agri-allied activities. This loan is extended to farmers by IndusInd Bank for the purpose of meeting their long-term investment requirements in relation to agri- allied activities such as Fisheries, Dairy, Poultry, etc.

    RuPay Enabled Kisan Card:

    IndusInd Bank also issues the RuPay enabled Kisan Card to the borrowers so that they can withdraw money directly from their Credit Card/ Over Draft Account from any IndusInd ATM or any Other Bank ATM. This card can also be used at a dealer’s outlet to make transactions. The cash withdrawal limit applicable per day is Rs. 25,000 and the withdrawal limit applicable at Point of Sales (POS) outlets is Rs. 50,000.

    Eligibility Criteria for the Indus Kisan Credit Card:

    The eligibility criteria for the Indus Kisan Credit Card is as follows:

    • The applicant must be a resident of India who is not less than 18 years of age and not more than 70 years of age and should fall within this age bracket.
    • The applicant should be involved in farming or an allied activity.
    • If the primary cardholder is more than 70 years old, then he/she must have a co-borrower.
    • As per the CIBIL report or the RBI Defaulter List, the borrower should not be marked as a “defaulter”. This rule applies to the guarantor as well.
    • The borrower should reside within 50 kilometres of the operational IndusInd bank branch.

    Fees and Charges:

    Charges Fees
    Processing Fee 1% of the loan amount + applicable Service Tax
    Annual Maintenance Charges Rs. 800 + Service Tax as applicable, for each proposal per annum, on all Credit Card/Over Draft account
    Penal Interest Rate 18% per annum on the overdue amount, payable along with interest
    CERSAI charges Rs. 550 + applicable service tax for each non-agricultural property, as registering charge on CERSAI.
    Prepayment Penalty Nil
    Balance Enquiry at ATMs Free of Cost

    Indus Kisan Credit Card FAQs:

    1. Can I apply for the Indus Kisan Credit Card through any IndusInd Bank branch across India?

      Currently, IndusInd Kisan Credit Card is only available at some designated bank branches in Haryana, Punjab, Rajasthan, Madhya Pradesh, Himachal Pradesh, Maharashtra and Gujarat.

    2. How can I apply for an Indus Kisan Credit Card?

      Contact IndusInd Bank Branches in cities such as Haryana, Punjab, Rajasthan, Madhya Pradesh, Himachal Pradesh, Maharashtra and Gujarat, in order to apply for an Indus Kisan Credit Card.

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