• The scheme aims at providing adequate and timely credit for the comprehensive credit requirements of the farmers under single window with flexible and simplified procedures. The schemes aims to provide the farmers both Short term as well as Medium term loan requirements and a reasonable component of consumption needs.
  

• Individual farmer beneficiary availing PAC facility with our bank having satisfactory track record for a period of three years. Only owner cultivators are eligible for loans.
  

• The credit facility extended under the scheme will be in the nature of term loan for Agriculture/ Allied activity loans and revolving credit for short term loans & consumption credit.
  
  

• The loan limit would be equal to 5 times  the annual farm income or  50% of value of landed  property owned subject to maximum of  Rs.5.00 lacs
• The minimum card limit is Rs.25,000.
• The quantum of loan will be fixed based on crop production as well as working capital for agriculture and allied activities. Within the overall credit limit sanctioned, the farmer is free to choose his own purpose like purchase of agricultural implements, land development, purchase of cart & bullocks, dairy animals, sheep etc, repair of farm machinery or any other need including domestic needs like sickness, children's education and family functions.
• The total limit would have a relationship with the projected net earnings and the repaying capacity of the borrower.
  

• The card limit is valid for a period of one year and can be renewed year after year. No documentation is required for subsequent years except the renewal letter. However, fresh documents are to be obtained at the end of third year. Default in repayment of any of the installments / out standings will render the card holder ineligible for further withdrawals.

• The farmer should inform the branch manager  the purpose of drawl and the approximate cost thereof less a minimum margin of 15%. Drawls for consumption credit should not exceed 20% of the limit sanctioned. Drawls can be made in installments as and when required. A separate account will be opened for each purpose and a separate repayment programme drawn up in consultation with the farmer.
• A farmer whose application is approved will be issued an identity card-cum-pass book with photo and other relevant details. He can take the required amount at different intervals by opening different accounts subject to a maximum of five accounts outstanding at any point of time. There will be no need to separate documentation and other formalities for these different accounts.

• The discretion for sanction of Kisan Card facility and sanction of investment credit under the facility is vested with the branches/ controlling offices as per discretionary powers in force for sanction of agricultural loans.

• A separate register suitably designed for noting down the details of Green Cards issued and loans sanctioned under the scheme will be maintained.

• Loans given are to be classified according to the purpose for which loans are allowed.

• Coverage under Personal Accident Insurance Scheme (PAIS) upto Rs.50,000/-
• Optional Rs. 1,00,000 accidental insurance coverage available to the Agri card scheme under ICD scheme

Prudential norms

• Prudential norms will be applicable as per RBI stipulations
• Automatic stoppage of withdrawal under different loan facilities even if one of the loan facility is impaired

• Short term credit / crop loans as well as working capital for agriculture and allied activities would continue to be provided as revolving cash credit, repayable on or before 30th of June every year. The term loan component will be repayable depending on the type of activity/ investment, as per existing guidelines.