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

    Punjab and Sind Bank provides farmers with financial assistance in the form of a Kisan Credit Card. The card is meant to help meet short term credit requirements, postharvest expenditure, household consumption and investment needs. Credit limits are granted based on the cropping patterns, land holdings, and contingency needs of the farmers.

    Features and Benefits of Punjab and Sind Bank Kisan Credit Card:

    • Financial Assistance:

      With the Kisan Credit Card, farmers receive financial assistance to carry out their agricultural and related activities.

    • Multi-purpose loan:

      The loan is granted for a variety of purposes that include crop cultivation and maintenance, marketing of the produce, expenses incurred in the household and after harvest, maintenance of farm assets and related activities. The loan can also be used for the purpose of investment in pumpsets, sprayers and dairy animals.

    • Easy Repayment options:

      The repayment schedule under this scheme is generally 5 years. Farmers can pay back the amount in half-yearly or yearly instalments.

    • Low Interest Rates:

      This scheme is offered at very attractive rates of interest. Furthermore, subsidies are offered to farmers who maintain their repayment schedule well.

    Purpose of Punjab and Sind Bank Kisan Credit Card:

    The Punjab and Sind Bank Kisan Credit Card Kisan Credit Card is issued for the following agricultural purposes.

    • Short-term credit requirements for cultivation of crops.
    • Produce marketing.
    • Any post-harvest expenses.
    • Household consumption.
    • Investment for agricultural and allied activities such as sprayers, pump sets, dairy animals and so on.
    • Working capital needed for the maintenance of farm assets and related activities that include inland fisheries and dairy animals.

    Punjab and Sind Bank Kisan Credit Card Eligibility:

    The Punjab and Sind Bank Kisan Credit Card is available to all farmers. The following is the eligibility criteria for the Punjab and Sind Bank Kisan Credit Card.

    • Individuals and joint borrowers who are owner cultivators, oral lessees, tenant farmers or share croppers.
    • Self Help Groups or Joint Liability Groups of Farmers which includes share croppers, tenant farmers.

    How to apply for the Punjab and Sind Bank Kisan Credit Card:

    To apply for a Punjab and Sind Kisan Credit Card, you can approach any of the bank branches for more information. You can download the application form from the Punjab and Sind Bank website.

    Other Agricultural Products offered by Punjab and Sind Bank:

    1. P&SB Scheme of Kisan Credit Cards
    2. P&SB Scheme for Financing of Tractors & TWF
    3. P&SB Scheme for Boosting Farm Mechanization
    4. P&SB Kisan Suvidha Scheme
    5. P&SB Scheme for Financing Farmers for Purchase of Land for Agricultural Purpose
    6. P&SB Loans to Farmers for Purchase of Renewable Energy Equipments (Solar Pumpsets/ Solar Water Heaters/ Solar lighting)
    7. P&SB Scheme of Financing Two Wheeler/Jeep/Car/SUV For Farmers
    8. P&SB Kisan Tatkal Scheme
    9. P&SB Estate Purchase Loans
    10. P&SB Loans for Agricultural Purposes against Gold & Silver
    11. P&SB Kisan All Purpose Term Loans
    12. P&SB Scheme of Kisan Rahat Scheme for Financing to Aarhtias (Commission Agents)
    13. P&SB Scheme for Financing of Agricultural Inputs (Fertilisers/Pesticides/Certified Seed, etc) Dealers/ Distributors/Stockist against stock and book debts
    14. P&SB Scheme for Financing Seed Production & Processing Units
    15. P&SB Scheme for Financing against Pledge of Warehouse Receipts

    Punjab and Sind Bank Kisan Credit Card FAQs:

    1. What is the maximum loan amount I can get under the Punjab and Sind Bank Kisan Credit Card Scheme?

      There is no maximum loan amount fixed. The credit limit granted is based on the annual cropping pattern, land holdings, and the ancillary and contingency needs on a case to case basis.

      The limit is also calculated separately for irrigated and no irrigated land.

    2. How is the credit limit determined for farmers growing more than one crop?

      For farmers cultivating more than one crop in the year, the credit limit is determined based on the crops cultivated as per the cropping pattern that has been proposed.

    3. Can I avail of the Kisan Credit Card for agricultural purposes if I am not a land holder?

      Yes, you can avail of a Kisan Credit Card even if you do not hold the land. Tenant Farmers, Oral Lessees and Share Croppers, SHGs or Joint Liability Groups of Farmers including tenant farmers, share croppers are eligible to apply for this scheme. This scheme is also available for non-farm sector and activities related to agriculture.

    4. Are there any charges on the Kisan Credit Card?

      Yes, transaction charges apply when you use your Kisan Credit Card or make withdrawals.

    5. Is there an annual fee on the Kisan Credit Card?

      Punjab and Sind Bank Kisan Credit Card are exempt from annual fees.


    Display of any trademarks, tradenames, logos and other subject matters of intellectual property belong to their respective intellectual property owners. Display of such IP along with the related product information does not imply BankBazaar's partnership with the owner of the Intellectual Property or issuer/manufacturer of such products.

  • reTH65gcmBgCJ7k
    This Page is BLOCKED as it is using Iframes.