Naini Kisan Credit Card Scheme


To meet out short term credit requirement for cultivation of crops.


All Farmers either individual or joint borrower, Tenant Farmers, Oral Lessees, Share Croppers, SHGs of Joint Liability Groups of farmers, share croppers etc.

Maximum Amount of Finance :

As per scale of finance decided by DLTC.

Margin :


Features :

Interest subvention of 2.00% p.a. & additional interest subvention of 3.00% p.a. to those farmers repaying the short term crop limit timely i.e. from the date of disbursement of the working capital loan upto the actual date of repayment/subject to a maximum period of one year from the date of disbursement. (Depending upon branch categorization & subject to GOI directives)