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Indian Overseas Bank Kisan Credit Card

Indian Overseas Bank (IOB) has introduced the New Kisan Credit Card with the aim of providing timely and adequate credit support to farmers to help them meet their cultivation and other agricultural needs.

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Features of IOB New Kisan Credit Card

The features of IOB New Kisan Credit Card are given below:

  1. Meet the short-term requirements related to the cultivation of crops.
  2. To meet expenses, post the harvesting of crops.
  3. Produce marketing loan.
  4. Meeting the consumption requirements of the household of the farmers.
  5. Generate working capital for the maintenance of crops and other farm assets.
  6. Generate investment credit for agricultural activities.
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Eligibility criteria

To be eligible for the IOB New Kisan Credit Card, applicants must fall under one of the following categories:

  1. Individual farmers
  1. Sharecroppers and tenant farmers
  1. Oral lessees
  1. Self-Help Groups (SHGs) or Joint Liability Groups (JLGs) of farmers
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IOB New Kisan Credit Card details

Category

Details

Loan amount

Will depend on the lender

Repayment Tenure

Up to 5 years subject to renewal every year

Margin

  1. For crop loan component - Nil
  2. For term loan component- 15% - 25%

Interest Rate

  1. For credit component up to Rs.3 lakh - 7% p.a.
  2. For credit component above Rs3 lakh - 1-year MCLR + 2.50% i.e. 9.95% p.a.

Security

Hypothecation of crops and other similar assets

Issuance of card

Rupay Kisan Credit Card will be issued to all the credit card holders

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FAQs on IOB Kisan Credit Card

  • How to apply for IOB Kisan Credit Card?

    You can visit the nearest IOB branch along with all the necessary documents to apply for an IOB Kisan Credit Card.

  • How can I get in touch with an IOB customer care executive in case I have any query?

    In case you have any queries, you can call 1800 890 4445 or 1800 425 4445.

  • Can dairy farm owners be eligible to apply for IOB Kisan Credit Card?

    Yes, dairy farm owners can also apply for IOB Kisan Credit Card.

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