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    OBC Kisan Credit Card is Rated as "Great!" by 1 Users

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    Oriental Bank of Commerce Kisan Credit Card Overview:

    Oriental Bank of Commerce offers the Kisan Credit Card-Oriented Green Card (OGS) to eligible applicants for the purpose of meeting their working capital requirements and crop production requirements in relation to all farm activities, consumption needs, repair of equipment, etc. through the credit card and also offers term loan against the card in order to meet their investment needs.

    Features and Benefits of the Oriental Bank of Commerce Kisan Credit Card - Oriented Green Card (OGS):

    Loan Amount:

    The loan amount offered to an eligible applicant is determined based on the requirement of the applicant. There is no maximum ceiling on the loan amount offered.

    Security:

    A security has to be pledged with the Oriental Bank of Commerce by the Kisan credit card - Oriented Green Card holder depending on the amount of credit extended to them.

    • Hypothecation of all assets such as goods and crops is required as security for a loan amount worth up to Rs. 1, 00,000.
    • Mortgage of agricultural property or land worth twice the value of the loan and hypothecation of all assets such as goods and crops is required as security for a loan amount worth more than Rs. 2, 00,000.

    Loan Margin:

    There is no loan margin applicable on the Oriental Bank of Commerce Kisan Credit Card - Oriented Green Card (OGS).

    Eligibility criteria for The Oriental Bank of Commerce Kisan Credit Card - Oriented Green Card (OGS):

    The Oriented Green Card is offered to cultivators, farmers and artisans who are engaged in agriculture and non-farm activities, by the Oriental Bank of Commerce.

    Fees and Charges:

    The rate of interest applicable on the term loan offered through the Oriental Bank of Commerce Kisan Credit Card - Oriented Green Card (OGS), is as follows:

    Loan Amount Interest Rate
    Below Rs. 2,00,000 Base Rate + 2.25%
    Above Rs. 2,00,000 to Rs. 5,00,000 Base Rate + 3.00%
    More than Rs. 5,00,000 Base Rate + 3.50%

    Other Agricultural Banking Products Offered by the Oriental Bank of Commerce:

    • Model Scheme for Financing Coconut Farming
    • Advance against Warehouse Receipts to Farmers
    • Purchase of Land for Agriculture Purposes
    • Agriculture Clinic and Agriculture Business Centers
    • Financing Two Wheelers / Three Wheelers to Farmers
    • Scheme for purchase of Tractor
    • Scheme for Financing Working Capital Requirement of Cold Storage
    • Scheme for Financing Timber Merchants and Saw Mills
    • Agricultural Loan against Security of Gold Jewelry

    Oriental Bank of Commerce Kisan Credit Card FAQs:

    1. Are there any specific conditions applicable on the use of credit available on the Oriental Bank of Commerce Kisan Credit Card - Oriented Green Card (OGS)?

      Yes, the Oriented Green Card holder must make all sale transactions through the credit card account only.

    2. What is the validity period applicable on the Oriental Bank of Commerce Kisan Credit Card - Oriented Green Card (OGS)?

      The Oriental Bank of Commerce Kisan Credit Card - Oriented Green Card (OGS) is valid for a period of 5 years.

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