Uttar Banga Kshetriya Gramin Bank Kisan Credit Card 2022, Overview, Interest Rates & Eligibility


Uttar Banga Kshetriya Gramin Bank has introduced Uttar Banga Kshetriya Gramin Bank Kisan Credit Card to provide adequate, hassle-free and timely credit to farmers for expenses related to agriculture and allied activities under a single window.


To provide credit to farmers for Agriculture activity. Scheme to cover term loans for agriculture & allied activities under Kishan credit card.


Loan for crop production to farmers having agriculture land.

Credit Limit

Scale of finance of crop to be grown.


To be decided by the bank as per RBI guidelines.


To be decided by the bank as per RBI guidelines.


  • Proof of Identity (anyone): Passport / Voters ID card/ Driving License/PAN Card
  • Duly filled Application Form with 2 recent passport size photographs
  • Address Proof (anyone): Ration card Tel/ Electricity Bill/ Lease agreement/ Passport/ Trade license / Sales Tax certificate
  • Documents of land holdings ownership
  • Proof of Income as required by the bank
  • Documents pertaining to collateral and primary security, as required by the bank

Interest Rate

  • Upto 3 Lakhs: 7%
  • Above 3 Lakhs: 11%


Insurance for the crops are available periodically based on government guidelines.


The Kisan Credit Card is valid for 3 years, subject to annual review.


After harvesting and marketing of crop.


Disbursement through various channels, including ICT driven channels like ATM/PoS/Mobile handsets.

Processing Fee

May be decided by the bank.

What is Personal Accident Insurance Scheme (PAIS) for KCC Holders?

Personal Accident Insurance Scheme (PAIS) is an accident insurance scheme especially designed for KCC holders. NABARD has, in consultation with the representatives of insurance companies, bankers and Govt. of India, finalised the Personal Accident Insurance Scheme for KCC holders, for uniform implementation by banks throughout the country. It was introduced on 14 June 2001.

It covers risk of KCC holders against:

  • Death (or)
  • Permanent Disability

Death (within 12 months of the accident) or permanent disability should be resulting from accidents caused by external, violent and visible means.

It gives following risk covers:

  1. Death due to accident (within 12 months of the accident) caused by outward, violent and visible means: Rs 50,000
  2. Permanent total disability: Rs.50,000
  3. Loss of two limbs or two eyes or one limb and one eye: Rs.50,000
  4. Loss of one limb or one eye: Rs.25,000

KCC holder has the option to take benefit of Accident Insurance (including PAIS) whose premium has to be paid by him through his KCC account. Premium payable Rs.15/- for a one year policy while Rs.45/- for a 3-year policy. Premium has to be borne by farmers/bank according to the terms of the Scheme. To avail this insurance cover, the applicant should not be over 70 years of age at the time of availing the Kisan Credit Card