Professional Documents
Culture Documents
Card (KCC)
and
Crop Loaning
System
ACA-TM-37 (v2.2-20-
ACA-TM-37 (v2.2-20-
ACA-TM-37 (v2.2-20-
Objectives/Purpose
Adequate and timely credit
Single window for cultivation & other
needs
Short term credit for cultivation of crops
Post harvest expenses
Produce Marketing loan
Consumption requirements of farmer household
Working capital for maintenance of farm assets
Investment credit for agriculture and allied activities
ACA-TM-37 (v2.2-20-
Eligibility
All Farmers Individuals / Joint
borrowers
Tenant Farmers, Oral Lessees &
Share Croppers
SHGs or Joint Liability Groups of
Farmers including tenant farmers,
share croppers etc.
ACA-TM-37 (v2.2-20-
Fixation of Maximum
Permissible Limit
Short Term Limit at the end of the
validity period
Term Loan Component
ACA-TM-37 (v2.2-20-
ACA-TM-37 (v2.2-20-
Disbursement
Short term component of the KCC limit
Revolving cash credit facility
Drawals as per convenience of farmer
No restriction in number of debits and credits
ACA-TM-37 (v2.2-20-
Marginal Farmers
A flexible limit of Rs.10,000 to Rs.50,000
(as Flexi KCC) based on:
ACA-TM-37 (v2.2-20-
ACA-TM-37 (v2.2-20-
Security
Hypothecation of crops up to card limit of Rs.
1.00 lakh
With tie-up for recovery: Banks may consider
sanctioning loans on hypothecation of crops
upto card limit of Rs.3.00 lakh
Collateral security at the discretion of Bank for
loan limits above Rs.1.00 lakh in case of non tieup and above Rs.3.00 lakh in case of tie-up
advances
Banks to ensure on-line creation of charge on
the land records in States where facility
available
ACA-TM-37 (v2.2-20-
Other Features
Interest Subvention/Incentive by GoI and / or State Govt.
Mandatory Crop Insurance and PAIS.
Farmer to have option to take benefit of Assets
Insurance & Health Insurance (wherever product is
available).
ACA-TM-37 (v2.2-20-
Delivery Channels
Through branch
Using Cheque facility
Through ATM / Debit cards
Through BCs and Ultra Small Branches
Through PoS available in Sugar Mills/
Contract farming companies, etc.,
Through PoS available with input dealers
Mobile based transfer transactions at
agricultural input dealers and mandies
ACA-TM-37 (v2.2-20-
Thank You
ACA-TM-37 (v2.2-20-