Andhra Bank
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Toll Free Number : 1800 425 1515

Pattabhi Agri Cards

 AB Pattabhi Agricard (Crop Production Loans)

  • 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.
  • KCC holder should have the option to take the benefit of PAIS , Health insurance, asset insurance.
 Features of the Andhra Bank Pattabhi Agricard
  • Eligibility
    • All farmers, individual / Joint borrowers who are owner cultivators, tenant farmers, JLGs.
  • Validity
    • The Limit is valid for 5 years.
  • Limit
    • A revolving credit limit will be fixed basing on the credit requirement and the scale of finance for both Kharif & rabi seasons ( + )
    • 10% additional limit to meet post-harvest & house hold expenses of the farmer. ( + )
    • 20% of the limit towards repairs and maintenance of farm assets +Crop insurance, PAIS, Asset Insurance.
    • And limit required towards Term loans for investments towards land development, minor irrigation, purchase of farm equipments and allied agricultural activities
    • The short term loan limit arrived for the 5th year plus the estimated long term loan requirement will be the Maximum Permissible Limit (MPL) and treated as the Kisan Credit Card Limit.
 Operational Features
Rupay Kisan card will be issued to all KCC holders and the drawing limit for the current season/year could be allowed to be drawn using any of the following delivery channels.
  • Operations through branch
  • Operations using Cheque facility
  • Withdrawal through ATM / Debit cards
  • Operations through Business Correspondents and ultra thin branches
  • Operation through PoS available in Sugar Mills/ Contract farming companies, etc., especially for tie-up advances
  • Operations through PoS available with input dealers
  • Mobile based transfer transactions at agricultural input dealers and mandies.
 Other Conditions
  • No separate margin need be insisted as the margin is inbuilt while fixing the scale of finance.
  • No processing charges up to a KCC limit of Rs. 3.00 lac.