The salient features of Kissan Card are as under:

• Unsecured revolving credit line for Pakistani Farmers
• Credit limit ranging from PAK Rs.20,000 – 125,000 based on PAK Rs.4,000 per acre of land owned
• Minimum farm size requirement is 5 acres while the maximum farm size up to which loan shall be calculated is 32 acres
• Being a revolving line the farmer has the option of making any number of withdrawals and repayments; however, the credit facility is renewed at the end of crop-cycle depending on entire group's repayment i.e. all outstanding principal and interest is repaid in full for further usage of the facility. There are two crop cycles i.e. Winter cycle for which the repayment is due in May of every year and Summer cycle the repayment for which is due in November of every year.
• Card can only be used at selected distributors. Cash cannot be obtained through this facility
• Facility renewed at the end of the 6 months crop cycle
• Plastic issued for 1 year and subsequently for 2 years
• No tangible collateral - unsecured product

• Between the age of 20 and 60 years
• Pakistani National
• Must own between 8 to 32 acres of cultivated land
• Farming experience of at least 3 years
• Clear credit history

Documentation

• Application form
• Bank declaration form
• Copy of Khasra record
• Copy of Fard record
• 5 passport size photographs
• Copy of CNIC