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Kisan Credit Card Fees & Charges

Kisan Credit Card

SL.No.	Charge Type	Charges / Fee Amount
1	Interest Rate (Per Annum)	7.00% to 15.00% (basis eligibility) (Floating rate, linked with EBR; would be reset every 3 months)
2	Processing Fee	2% of sanction loan amount + GST (Non-refundable)
3	Annual Maintenance Charges / Supervision Charges	Rs. 800 + GST
4	Stamp Duty and other statutory charges	At actuals, as per applicable laws of the state at the time of loan processing
5	Penal Charge	12% p.a. (1% p.m.) of the overdrawn amount (No GST)
6	NOC/ No-dues certificate	Nil
7	Legal / Technical Charges	As per Actual
8	Incidental/ Collection/ Legal / Repossession charges borne by the bank	-
9	Cheque Book Charges	Nil
10	Collections:
i.	Local Cheque Deposit	Free
ii.	Cheque deposited in home branch for clearing in same location	Free
iii.	Outstation cheque deposit	Free
iv.	Fund transfer (between home branches) (Online / through branch)	Free
11	Payments:
i.	DD / PO– Payable at home and correspondent bank location	Free
ii.	DD - Duplicate issuance / Cancelation / Revalidation	Free
iii.	NEFT	Free
iv.	RTGS	Free
v.	IMPS	Free
12	Cash Transactions:
i.	Cash deposit - Home and Non-Home location	Free
ii.	Cash Withdrawal - Home and Non-Home location	Free
13	Other Features
i.	Stop payment (Single cheque)	Free
i.	Stop payment (Series cheque)	Free
iii.	Cheque return (Inward) for financial reason	Free
iv.	Cheque return (outward) home location	Free
v.	Cheque return (outward) other location	-
vi.	ECS Returns	Free
vii.	CIBIL report copy charges	Nil
viii.	Repayment schedule charges	Free on half yearly frequency. Rs. 100 +GST on ad hoc request
14	Debit Card:
i.	Issuance, Annual Charges & Replacement	Free
ii.	Cash Withdrawal (ATM's) Home Network	Free
iii.	Cash Withdrawal / Balance Inquiry at Other ATMs within India	Free
iv.	POS Limit on Debit Card	Rs. 1,00,000
v.	Daily withdrawal Limit	Rs. 50,000
15	Account Closure Charges	Nil
16	Loan Cancellation charges (After Disbursal)	Rs. 1000 + GST
17	Foreclosure Charges	Nil
18	Duplicate NOC	Rs. 500 + GST

The services accounting code would be provided by IDFC FIRST Bank and shall be binding on customer Debit Card.

The above Schedule of Charges is subject revision from time to time by the Bank and will be updated on the official website of the Bank.

Note: Decisioning of the loan application form will be 21 working days subject to providing all necessary documents at the time of signing the application form.

Charges for Rural Banking SOC

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Kisan Credit Card Fees & Charges

Kisan Credit Card

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