The Kisan Card is proposed by the Govt.of India and a Model scheme is developed by RBI. We have added additional features to make it Truly Farmers' Friendly. The card holder can draw Cash and purchase agricultural inputs like seeds, fertilizers, pesticides etc. against the Card. The card holder is also covered with Accident Insurance Benefit of Rs.1, 00,000/- governed by the Bank's Insured Current Deposit Scheme. Insurance is optional to the borrower. Farmers are compulsorily covered under Personal Accident Insurance Scheme (PAIS) with accident  insurance benefit  upto Rs.50,000/-

Features of the Andhra Bank Pattabhi Agricard

Eligibility Individual Farmers who are Owner Cultivators. Validity The Limit is valid for 3 years. Limit A revolving credit limit will be fixed basing on the credit requirement and the scale of Finance. The sanctioning authorities  can sanction 10%  over  and  above  the  approved  scale of  finance while  fixing limits.The  sanction authorities  can also consider additional  finance  to the extent  of  10% of  eligible scale of finance  to meet post  harvest  / house hold expenses  of  the  farmer. As per the rates/rules in force. Interest will be paid at SB rate on the minimum credit balance in the account from 10th to last day of month.

Operational Features

A photo card-cum-pass book will be issued with the card holder's Signature/Thumb impression. The Card valid within the District where it is issued. The Card holder can draw cash as per his requirement from any of our branches in the District. The literate Card holder can purchase agriculture inputs from notified dealers in the Mandal to the extent of sub limit sanctioned. The Card holder has to sign the charge slip while purchasing inputs from notified dealers. Multiple credits and debits into the accounts are permitted. The card issuing branch will notify the licensed input dealers.

Other Conditions

The card holder should use the Card only. The card holder should pay all the amounts debited to the account based upon the vouchers of branches and bills of input dealers. The card holder should collect the original bills and copies of charge slips/vouchers from the input dealers /branches. Broken/damaged card shall be replaced at nominal charge. Loss of card should be intimated immediately to the issuing branch.