Kisan Card And Kisan Gold Card

Why Choose Us?

Free
Accidental Insurance

Crop Insurance for
notified crops

Debit card for
hassle free
transactions

What’s in store for you?

Unlock your farm potential with Agri and allied finance program

Locate Us
Kisan Card And Kisan Gold Card

Get Your Loan at Affordable Interest Rates

Starting from 7%*

Terms & Conditions Apply*

Loan benefits & features

Features

  • Cash Credit/Overdraft: Covers the credit needs for crop cultivation along with expenses related to consumption, post‑harvest activities, and farm maintenance.
  • Term Loan: For land development,purchase of farm machinery, irrigation equipment etc.
  • Quantum of finance: Funding is based on the area under cultivation, the cropping pattern, and the DLTC/SLTC scale of finance.
  • Security:
    1. Primary: Hypothecation of crops grown and assets created out of bank finance.
    2. Collateral: Mortgage of agricultural land/ immovable propoerty or liquid security.However, collateral is waived for KCC limit up to Rs. 2.00 lakhs and up to Rs.3.00 lakhs, in case of tie up arrangement
  • Tenure: 5years
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 sanction 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

APR & IRR Rates

Average Annual Percentage Rate offered to customer during the period of Apr-26 to Jun'26.

Segment

IRR

APR

Min

Max

Average

Min

Max

Average

Retail Agri

8.70

16.25

12.23

8.70

22.53

12.68


Credit and Safety

Documents required to get you started

Documents

  • Application Form
  • KYC of Borrower/Co-borrower/Guarantor
  • Copy of land records & government rate of agricultural land
  • Latest updated passbook/bank statement

Identity proof

  • Aadhaar card
  • Election/Voter's card
  • Permanent Driving licence
  • Valid Passport

Address Proof

  • Aadhaar card/voter ID / Driving licence
  • Valid Passport
  • Utility bill in the customer’s name
  • Property tax receipt in the customer’s name

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.