Kisan Card and Kisan Gold Card

Why Choose Us?

Crop insurance

Accidental
insurance

Attractive rates

Flexible Repayment

What’s in store for you?

Unlock your farm potential with Agri and allied finance program

Kisan Card and Kisan Gold Card

Get Your Loan at Affordable Interest Rates
Starting from 9%*

10.75 % - 12.50 %

(Terms & Conditions Apply*)

View Rates

Program Benefits & Features

Program Overview

  • Cash Credit/Overdraft: Covers the cost of crop production and expenses related to consumption, post-harvest and maintenance.
  • Term Loan: For investing in land development, farm machinery and irrigation equipment, among other things.
  • Repayment Tenure: Five years
  • Quantum of finance: Funding depends on cultivated land, crop rotation and financial scale.
  • Primary: Hypothecation of crops and agricultural assets.
  • Acceptable Collateral: Urban property, agricultural land or liquid security
Program Overview

Other Benefits

  • Personal accident insurance coverage, up to ₹2 lakh.
  • Crop insurance for all designated crops under the Pradhan Mantri Fasal Bima Yojana.
  • Issuance of RuPay Farmer Platinum Debit Card 
Other Benefits

Fees & Charges

Description of Charges Facility Type Loan amount Charges/ Fee Amount Frequency of charging
Supervision Charges KGC CC 
(Other than allied and other cases)		 <= ₹ 3 lakh ₹ 250 Half Yearly
>₹ 3 lakh - 10 lakh ₹ 750
>₹ 10 lakh- ₹ 25 lakh ₹ 1250
>₹ 25 lakh- ₹ 50 lakh ₹ 1500
> ₹ 50 lakh ₹ 3000
Allied Activities & Other <= ₹ 3 lakh ₹ 250 Quarterly
>₹ 3 lakh - 10 lakh ₹ 1000
>₹ 10 lakh- ₹ 25 lakh ₹ 2000
> ₹ 25 lakh to ₹ 50 lakh ₹ 2500
> ₹ 50 lakh ₹ 3000
         

*For cases under Pisciculture, Supervision charges shall apply annually

Processing Fee Regular KGC All 2.00% Loan Processing & at the time of enhancement
KGC Saral All ₹ 2500
Foreclosure Charges* KGC TL Applicable for Fixed Rate TL Only 4% of outstanding amount At the time of loan closure
KGC CC All 4% At the time of loan closure
Penal Charges -  
Default in payment		 All All 2% Per Month At the time of loan regularisation
Penal Charges -  
Non-compliance of any terms and conditions of the Transaction Documents or any other credit covenants and discrepancy in collateral security if any. 		 All All 0.167% Per Month At the time of loan regularisation
Stamp Duty & other statutory charges All All At actuals as per applicable laws of the State Loan Processing
Legal, valuation and vetting charges All All At actuals At the time of loan Processing
Cheque Bounce Charges* All All ₹ 550/- At the instant
Cheque Swapping Charges All All ₹ 500/- Per transaction
CIBIL Report Copy Charges All All ₹ 50/- Per request
Repayment Schedule Charges All All ₹200/- Per request

Click here to know interest rates and charges.

Fees & Charges

Most Important Terms & Conditions

  • *The Most Important Terms and Conditions for each of our banking offerings features all the specific terms and conditions that govern their use. You must go through it thoroughly to fully understand the terms and conditions applicable to any banking product you choose.
Most Important Terms & Conditions

Documents to get you started

Identity proof

Collateral

  • Copy of land records
  • Copy of government rate of agriculture land
  • Latest updated passbook/bank statement

More About Agri and Allied Financing Program

To apply for an HDFC Kisan Gold Card, farmers can visit the official HDFC Bank website, navigate to the Kisan Credit Card section, and follow the online application process. The application requires submitting the necessary documents and verifying the farmer’s credit score and land details.

Types of facilities

  • Cash Credit/Overdraft: Covers the cost of crop production and expenses related to consumption, post-harvest, and maintenance
  • Term Loan: For investing in land development, farm machinery, and irrigation equipment, among other things

Quantum of finance

  • Funding depends on cultivated land, crop rotation, and financial scale.

Security

  • Hypothecation of crops and agricultural assets
  • Urban property, agricultural land, or liquid security

Repayment Tenure

Five years

  • Flexible Credit: Access working capital with a revolving credit facility.
  • Low Interest Rates: Benefit from competitive rates on loans and advances.
  • Convenient Access: Use the card for agricultural expenses and emergencies.
  • Easy Repayment: Enjoy flexible repayment options tailored for farmers.
  • Special Discounts: Receive exclusive offers on agricultural products and services.

To apply for HDFC Bank’s Agri and Allied Financing Program, farmers can visit the official HDFC Bank website, navigate to the Agriculture and Rural Banking section and follow the online application process. The application requires submitting the necessary documents and verifying the farmer’s credit score and land details.

Frequently Asked Questions  

The Agri and Allied Financing Program is a financial program for farmers. It provides funds for agricultural needs, machinery purchases and other related expenses. The loan amount is based on land, cropping pattern and scale of finance. 

The HDFC Agri and Allied Financing Program provides free personal accident insurance coverage of up to ₹2 lakh. It also facilitates hassle-free transactions with the issuance of a RuPay Farmer Platinum Debit Card.

The limit on the HDFC Agri and Allied Financing Program offering depends on your credit profile.

To be eligible for the Agri and Allied Financing Program, you must be a farmer who owns agricultural land and is actively cultivating crops.