Fees
Annual feeNil (Zero processing fees for loans up to INR 3 lakh)
Joining feeINR 0
Renewal feeNil (Zero processing fees for loans up to INR 3 lakh)
Fee waiverNo waiver needed; fee-free up to INR 3 lakh
Interest rate16.99% p.a. (Overdraft); 18.99% p.a. (Term Loan)
Late paymentPenal interest applicable as per RBI guidelines
Forex markupN/A - Domestic use only
Cash advanceN/A - Overdraft / Cash Credit facility only
Eligibility
Min income (salaried)No fixed income requirement (farmer landholding criteria apply)
Min income (self-emp.)Minimum 0.5 acre irrigated land (Crop Loan); 1 acre (Poultry/allied)
Income requirementSalaried: No fixed income requirement (farmer landholding criteria apply); Self-employed: Minimum 0.5 acre irrigated land (Crop Loan); 1 acre (Poultry/allied)
Credit score650-700 (basic creditworthiness for agricultural borrowers)
Age range18 to 60
Employment typeSelf-employed (Farmers/agricultural workers)
Resident typeIndian Resident
Rewards & cashback
Accelerated rateNo
Travel & lounge
Domestic lounge0 visits (no lounge benefit)
International lounge0 visits (no lounge benefit)
Lounge conditionsNo
Travel insuranceNo
ConciergeNo
Forex waiverN/A - Domestic agricultural use only
Lifestyle
Dining benefitsNo
Dining discountsNo
Fuel surchargeNo
OTT subscriptionsNo
E-commerce offersNo
Credit limit & EMI
Default limitUp to INR 3 lakh (Crop Loan); Up to INR 10 lakh (total KPC limit)
Max limitINR 10 lakh (across Overdraft + Term Loan combined)
Cash withdrawal40%-60% (Overdraft drawdown limit of KPC)
EMI optionsNot available; No
EMI conversionNot available
Balance transferNo
Insurance & protection
Purchase protectionNo
Coverage detailsPersonal Accident Insurance Scheme (PAIS) - mandatory coverage under KCC scheme
Digital & security
ContactlessNo (not a payment card; credit line product)
Virtual cardNo
App featuresLoan account tracking via Ujjivan Mobile Banking App; branch-based disbursement
Card controlsN/A - credit line; managed via branch or mobile banking
Fraud protectionOTP-based authentication for digital access; in-branch verification for disbursements
Zero liabilityN/A - not a payment card
WhatsApp supportYes
Ideal for
Farmers / Agricultural workers, Rural customers, Small & Marginal farmers needing crop production finance