Welcome to Mahendragarh Central Cooperative Bank Ltd., where we are dedicated to supporting farmers and rural communities by providing accessible and affordable financial solutions. Our RuPay Kisan Card is specially designed to meet the needs of farmers, helping them manage their finances with ease and convenience. The Kisan Card ensures that farmers have access to credit for their agricultural and personal needs, directly from their bank accounts, all while enjoying the benefits of the secure and user-friendly RuPay network.

What is a RuPay Kisan Card?

The RuPay Kisan Card (RKC) is a debit card issued by Mahendragarh Central Cooperative Bank Ltd. under the RuPay network, aimed at providing easy access to agricultural credit. It is an efficient tool that helps farmers withdraw cash, make purchases, and carry out transactions related to their farming activities.

The RuPay Kisan Card can be used to access:

• Short-term credit for agricultural expenses
• Cash withdrawals from ATMs and POS (Point of Sale) terminals
• Bill payments for farm-related utilities like electricity or water bills

With the RuPay Kisan Card, we aim to empower farmers with a simple, low-cost, and reliable payment solution.

Key Features of the RuPay Kisan Card

• Access to Credit: The card provides access to short-term working capital credit that can be used for farm-related expenses, seeds, fertilizers, pesticides, or any other agricultural needs.
• Easy Cash Withdrawals: Withdraw funds easily from ATMs across India and use the card for purchases at merchant outlets.
• Secure Transactions: The RuPay Kisan Card comes with enhanced security features like EMV chip technology and PIN authentication, ensuring the protection of your funds.
• Low-Cost Banking: With minimal charges and no hidden fees, the RuPay Kisan Card offers farmers an affordable way to manage their finances.
• National Acceptance: The card is accepted at ATMs, merchant POS terminals, and online platforms where RuPay is supported.
• Mobile Banking Integration: Use your RuPay Kisan Card seamlessly with mobile banking for additional services like checking balance, transferring funds, and paying bills.

How to Apply for the RuPay Kisan Card

Getting a RuPay Kisan Card is simple and straightforward. Follow these easy steps to apply:

1. Visit the Nearest Branch: Go to any Mahendragarh Central Cooperative Bank Ltd. branch with a valid ID proof (Aadhar Card, Voter ID, etc.) and address proof (Ration Card, Utility Bill, etc.).
2. Fill out the Application: Complete the application form for the RuPay Kisan Card, which is available at the bank branch.
3. Submit Documents: Provide the required documents for KYC (Know Your Customer) verification:
   • Proof of Identity
   • Proof of Address
   • A recent passport-sized photograph
   • Proof of Land Ownership/Loan Details (if applicable)
4. Card Processing: Once your application and documents are verified, your RuPay Kisan Card will be issued.
5. Activate the Card: After receiving the card, you can activate it at any ATM by creating a PIN.

Charges Associated with the RuPay Kisan Card

At Mahendragarh Central Cooperative Bank Ltd., we believe in offering transparent and affordable banking services. The following are the charges associated with the RuPay Kisan Card:

Note: Charges may be revised based on bank policy updates. Please refer to the latest fee schedule available at your nearest branch.

Terms & Conditions for the RuPay Kisan Card

By using the RuPay Kisan Card, you agree to the following terms and conditions:

1. Card Ownership: The RuPay Kisan Card is issued by Mahendragarh Central Cooperative Bank Ltd. and remains the property of the bank. It is issued solely for the cardholder’s use for agricultural purposes.
2. Credit Facility: The card provides access to a short-term working capital credit facility for agricultural activities. The bank may set a limit on the available credit, which will depend on the individual’s creditworthiness and farm-related needs.
3. Authorized Usage: The cardholder must use the RuPay Kisan Card exclusively for farming and agricultural purposes. Unauthorized use or use for non-agricultural transactions could result in suspension or termination of the card.
4. Repayment: The cardholder is responsible for timely repayment of any credit availed through the card. Failure to repay on time will attract interest charges (12% per annum) and could lead to penalties or legal action.
5. Transaction Limits:
   • ATM Withdrawal Limit: Rs. 45,000 per day
   • POS/Online Transactions: Rs. 45,000 per day
6. Liability for Loss/Theft: If the card is lost, stolen, or compromised, you must immediately report the incident to the bank. Your liability for unauthorized transactions will be limited after reporting the loss.
7. Validity: The RuPay Kisan Card is valid for 5 years from the date of issuance. Renewal is required upon expiration.
8. Bank’s Rights: The bank reserves the right to block, cancel, or suspend the card at its discretion for non-compliance with terms, suspected fraudulent activity, or other valid reasons.
9. Charges & Fees: The bank reserves the right to revise the charges and fees associated with the RuPay Kisan Card at any time, and will notify customers accordingly.
10. Dispute Resolution: Any disputes regarding transactions must be reported to the bank within 30 days from the date of the transaction for resolution.

Benefits of Using the RuPay Kisan Card

• Convenience for Farmers: The card allows farmers to easily access working capital, withdraw cash from ATMs, pay utility bills, and make purchases for farming supplies.
• Affordability: With minimal charges and easy access to credit, the RuPay Kisan Card provides a low-cost way for farmers to manage their finances.
• Security: Enjoy secure transactions with the EMV chip and PIN authentication, protecting your funds from fraud.
• Quick Access to Credit: Farmers can access a short-term credit facility directly through the card, helping them meet urgent agricultural needs such as purchasing seeds, fertilizers, and machinery.
• Empowering Rural Communities: The RuPay Kisan Card is an inclusive solution designed to cater to the needs of rural farmers, offering them a simple and accessible tool for financial transactions.

FAQs - Frequently Asked Questions

Q1: How do I get a RuPay Kisan Card?

To get a RuPay Kisan Card, visit any Mahendragarh Central Cooperative Bank branch with valid documents such as identification proof, address proof, and farm-related documents. The bank will process your application and issue the card.

Q2: Can I use the RuPay Kisan Card for personal expenses?

No, the RuPay Kisan Card is meant exclusively for agricultural purposes. Using the card for non-agricultural expenses may lead to the suspension or cancellation of the card.

Q3: How can I repay the credit availed through the Kisan Card?

You can repay the credit through direct transfers from your bank account or through other methods provided by the bank. Make sure to repay on time to avoid penalties and interest.

Q4: Can I use the RuPay Kisan Card at ATMs outside India?

The RuPay Kisan Card is designed for use within India. 

Contact Us

For more details on the RuPay Kisan Card or if you have any queries, feel free to contact us:

• Phone: 01285-220101
• Email: banking@cbmgarh.com
• Website: www.cbmgarh.com
• Visit Us: Click Here

At Mahendragarh Central Cooperative Bank Ltd., we are committed to helping you manage your agricultural finances in a more efficient, secure, and affordable way with the RuPay Kisan Card.

Mahendragarh Central Cooperative Bank Ltd.
“Empowering Farmers, Empowering India”