ESAF Kisan Credit Card (E- KCC)
Apply for the best credit card of ESAF Small Finance Bank
Welcome Benefits
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ESAF Kisan Credit Card (E- KCC): Fees & Charges
| Type of fee or charge | Amount (Rs.) |
|---|---|
| Joining Fee: | ₹ Lifetime Free |
| Annual/Renewal Fee: | ₹ Lifetime Free |
| Finance Charges: | 0.8 to 1.5% per month |
| Spend Based Waiver: | |
| Over Limit Penalty: | exceeding your credit limit may result in declined transactions |
| Rent Payment charges | NULL |
| Forex Charges: | 3.49% of the transaction value |
| Minimum Repayment Amount: | 5% of Total outstanding (Min. Rs. 100) + All charges/fees/taxes + EMI |
| Cheque Return Fees: | 2% of Total Amount Due or Minimum of 500 whichever is higher |
Eligibility criteria
Age: Applicants should be at least 18 years old.
The applicant must be a farmer engaged in agricultural activities, including crop production, animal husbandry, fisheries, horticulture, and other related activities.
Both individual farmers and joint borrowers (e.g., co-operative groups, farmer collectives) can apply.
The farmer should own or have operational control over agricultural land.
Credit Score: A good CIBIL score, ideally between 700 and 900, can significantly boost approval chances
The applicant must be an Indian citizen and valid address proof
Document Requirements
1. Aadhaar card, Passport, PAN card as your Identity proof
2. Any Utility bill, Passport, or Voter ID as your address proof
3. Salary slips, bank statements, or IT returns as your income proof
4. Encumbrance certificate for last 13 years
5. Copies of land records regarding lands owned/leased as certified by revenue authorities
6. Latest land tax paid receipts are to be produced for verification
Other Information
Frequently Asked Questions
What is the annual fee of ESAF Kisan Credit Card (E- KCC)?
The ESAF Kisan Credit Card (E- KCC) offers lifetime-free annual fees. The joining fee is also free for life!
What is the interest rate on the ESAF Kisan Credit Card (E- KCC)?
The ESAF Kisan Credit Card (E- KCC) has an interest rate of 0.8 to 1.5% per month
Are there foreign transaction fees on the ESAF Kisan Credit Card (E- KCC)?
Yes, The ESAF Kisan Credit Card (E- KCC) charges a 2.5% fee for all transactions in foreign currency .
What is the credit limit of ESAF Kisan Credit Card (E- KCC)?
The credit limit for the ESAF Kisan Credit Card (E- KCC) is based on multiple factors, such as your income, repaying capacity, and credit history. ESAF Small Finance Bank does not specify a fixed credit limit for this card. It will communicate to you time of issuance of card. ESAF Small Finance Bank offer Pre-approved Credit Limit to existing card holder. So if you are eligible by few step you can increase your credit limit.
Card other Details
ESAF Kisan Credit Card (E- KCC) Credit Limit: Up to ₹10 Lakh