The Axis Bank Kisan Credit Card is a financial product designed to provide farmers with timely credit for their agricultural needs. It can be used by the farmers to support cultivation expenses, fund farm equipment and machinery, and cover domestic needs.

Benefits of an Axis Bank Kisan Credit Card

Here are the key benefits:

Timely and Adequate Credit

The Kisan Credit Card ensures you have access to sufficient funds when needed, supporting cultivation activities, purchasing agricultural inputs, and meeting investment requirements.

Flexible Loan Options

You can choose between cash credit with a tenure of up to 1 year or term loans with repayment periods extending up to 7 years. This flexibility accommodates your farming cycles and marketing timelines.

High-Value Loans

Farmers can avail of loans of up to ₹250 Lakhs, catering to a variety of financial needs, including large-scale investments in land, machinery, or farm development.

Crop and Insurance Coverage

The card also provides coverage for crops and includes insurance benefits, offering financial protection in case of unforeseen events or losses.

Multiple Uses

The credit can be utilised for diverse purposes such as:

  • Purchasing farm machinery or tools.

  • Land development and maintenance.

  • Repairing existing equipment.

  • Meeting household needs like children’s education or family events.

Low-Interest Rates

The Axis Bank Kisan Credit Card scheme offers loans at competitive interest rates, ensuring cost-effective financial support for your farming operations.

Dedicated Relationship Manager

With access to a dedicated relationship manager, you can enjoy personalised guidance and support for managing your credit needs efficiently.

Axis Bank Kisan Credit Card Eligibility Criteria

To qualify for the Axis Bank Kisan Credit Card, you must meet the following criteria:

Age Requirements

  • Minimum Age: 18 years

  • Maximum Age: 75 years (at the end of the loan tenure)

 

If the borrower is above 60 years, a co-borrower under 60 years is mandatory. The co-borrower must be an immediate family member or legal heir.

Joint Holding

The card allows joint holding with up to 5 individuals across single or multiple locations, offering flexibility for shared ownership and responsibility

Documents Required to Apply for Axis Kisan Credit Card

To apply for the Axis Bank Kisan Credit Card Yojana, you need to provide the following documents:

Identity Proof

  • Passport

  • Aadhaar Card

  • Voter ID

  • PAN Card

Address Proof

  • Water Bill

  • Electricity Bill

  • Driving Licence

Passport-Size Photographs

  • Recent photographs are required for the application

Application Form

  • A duly filled application form is mandatory for submission

 

Ensure all documents are valid and up to date to avoid delays in processing your application.

How to Apply for Axis Bank Kisan Credit Card

Follow these simple steps to apply online:

  1. Visit the official Axis Bank website

  2. Place cursor on the ‘Explore Products’ and Select ‘Agri and Rural’

  3. Navigate to the ‘Loans’--Kisan Credit Card section 

  4. Click on the Kisan Credit Card option and you will be taken to https://www.axisbank.com/agri-and-rural/loans/kisan-credit-card

  5. Click on the 'Apply Now' button to start your application

  6. Fill out the required details in the application form accurately

  7. Submit the form by clicking on the 'Submit' button

 

After submission, note the reference number generated for tracking your application status.

Fees and Charges for Axis Bank Kisan Credit Card

Interest Rates

  • Production Credit: 8.85% to 13.10%

  • Investment Credit: 8.85% to 14.10%

Foreclosure/Prepayment Charges

  • A 4% charge on the individual sanction limit, along with applicable taxes, is levied for foreclosure or prepayment of the loan

Interest Subvention Loans

  • Axis Bank offers interest subvention loans under Government Schemes, providing additional benefits to eligible borrowers

FAQs

How much is the Axis Kisan Credit Card limit?

The Axis Kisan Credit Card offers high-value loans with a maximum limit of up to ₹250 Lakhs, catering to various agricultural and allied needs.

What is the age eligibility criteria to avail Axis Kisan Credit Card?

The minimum age to apply is 18 years, and the maximum age is 75 years at the end of the loan tenure. For applicants above 60 years, a co-borrower under 60 years is mandatory.

What is the limit of KCC in Axis Bank?

The Kisan Credit Card limit in Axis Bank depends on the type of loan, with production and investment credit limits extending up to ₹250 Lakhs.

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