ESAF Kisan Credit Card (E- KCC)

Last updated:28-Dec-24 Writen by Narendra

ESAF Kisan Credit Card (E- KCC)

• Best suitable for: Cashback
• Joining Fee: ₹ Lifetime Free + GST
• Annual Fee: ₹ Lifetime Free + GST
• Welcome Benefits: NULL

ESAF Kisan Credit Card (E- KCC): Fees & Charges

ESAF Kisan Credit Card (E- KCC): Eligibility & Documentation

Eligibility:-
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

Documentation:- 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

ESAF Kisan Credit Card (E- KCC): Cash Advance and Charges

Cash Advance or Withdrwan Fee: NIL
Cash Advance Withdrwan Limit: Upto 100% of the card limit
Cash Payment at Bank Branch: NIL

ESAF Kisan Credit Card (E- KCC): Customer care and helpline

Customer care : 18001033723
Email Address : [email protected]
Mailing Address: ESAF Bhavan, Building No. VII/83/8, Thrissur – Palakkad National Highway, Mannuthy, Thrissur, Kerala, PIN - 680 651

FAQ of ESAF Kisan Credit Card (E- KCC)

Q1. 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!

Q2. 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

Q3. 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 .

Q4. 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.