Kisan Card And Kisan Gold Card

Why Choose Us?

Crop 
insurance

Attractive
rates

Free accidental
insurance

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%*

Terms & Conditions Apply*

Loan benefits & features

Features

  • 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 area under cultivation, cropping pattern and scale of finance per acre.
  • Security:
    1. Primary: Hypothecation of crops and agricultural assets.
    2. Collateral: Urban property, agricultural land or liquid security.
  • Tenure: Five years
Credit and Safety

Loan 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 Debit Card

Contactless payments

Fees & Charges

  • Processing Fees: Up to 2% (plus taxes) of the facility amount.
  • Legal Valuation Charges: At actual, as charged by empaneled vendor.
  • Stamp Duty & Other Statutory Charges: At actual, as per applicable laws of the State.
  • Penal Charges: 2% Per Annum for Non-Compliance of any terms and conditions of the transaction documents or any other credit covenants and discrepancy in collateral security if any.

VIEW DETAILED LIST OF FEES AND CHARGES

Contactless payments

Most Important Terms and 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 and Conditions

Documents required to get you started

Identity proof

  • Application Form
  • KYC of Borrower/Co-borrower/Guarantor

Collateral

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

More About Agri and Allied Financing Program

Under Agri and Allied Financing Program loan is financed to farmers for a specified sum of money towards their farm requirements like production of crops, post-harvest, repair & maintenance, and consumption needs of the farmer. Funding is also done for the purchase of farm machinery, implements, irrigation equipment and construction of storage structures etc.

To apply for a Agri and Allied Financing Program Loan, farmers can Contact their nearest branch or Relationship Manager.

The application requires submitting necessary documents and verifying the farmer’s credit score and land details.

You must be a farmer who owns agricultural land and is actively cultivating crops.

Frequently Asked Questions  

The Kisan Gold Loan is a financial product 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 Kisan Gold Card 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 Kisan Credit Gold Card offering depends on your credit profile.

To be eligible for the Kisan Gold Card, you must be a farmer who owns agricultural land and is actively cultivating crops.