| PARAMETERS | FEATURES* |
|---|---|
| Eligibility | Individual Farmers age 18 Years & above |
| Minimum Half Yearly Average Balance (HYAB) For Availing Benefits | ₹5,000 |
| Personal Accidental Insurance (PAI) | ₹10.00 Lakh (including animal and insect bite) |
| Permanent Total Disability (PTD) | ₹10.00 Lakh |
| Air Accidental Insurance (AAI) | ₹20.00 Lakh |
| Permanent Partial Disability (PPD) | ₹5 Lakh (% age of disability will be as per the GPA Schedule & in case of multiple injury, max claim upto the amount of sum insured) |
| Benefits Linked to PAI | Higher Education (for College & Higher studies) – 25% of entitled of PA Cover max up to ₹2.5 Lakh in aggregate for 3 years for 2 dependent children having age upto 25 years in case of accidental death of Insured Dependent Girl Child Marriage Cover (18-25 years)- 10% of the PA Cover max up to ₹1 Lakh each for 2 girl child in case of accidental death of the insured. Ambulance Charges- ₹10,000/-Funeral Expenses- ₹10,000/-Lost Baggage protection insurance for Domestic Air Travel of ₹25,000/- |
| Primary Health Care Services | Free Primary Health Care Services for the primary account holder at Physical e-clinics generally located near our branches or in DIY (do-it-yourself) mode through a dedicated mobile application Unlimited tele-consultation (audio-video) with qualified doctors Unlimited visits to E-clinic for assisted tele-consultation (audio-video) with qualified doctors. The assistance shall be provided by nurse available at the e-clinic |
| Cheque Book issuance Charges | Free 25 cheque leaves per Half Year |
| RTGS/ NEFT (Online) Charges | NIL |
| Demand Draft Charges | One Demand Draft Free per Half Year |
| Education Loan | NIL – Processing/upfront charges and documentation charges under PNB Saraswati & PNB Pratibha education loan scheme (For dependent children- If co-borrower in Education Loan A/c)* |
| Vehicle Loan | NIL – Processing/upfront charges and documentation charges for Two Wheeler loan |
| Housing Loan | 25% concession in Processing Fees/Upfront Fees and Documentation Charges* |
| Debit Card | RuPay Farmer Harit Platinum Card AMC/Issuance Charges – NIL Personal Accident cover upto ₹2.00 Lakh |
| Debit Card Limits | Cash Withdrawal from ATM: ₹50,000 per day POS/ eCom: ₹1.50 Lakh (combined) per day Contactless: ₹5,000/- per day |
| Free Lounge Access | Domestic Airport Lounge – One time per calendar year per card International Airport Lounge – One time per calendar year per card |
| Loyalty Rewardz Programme | Milestone I – ₹250/- voucher of selected category merchants to account holders whose spent in last F.Y. through Debit Card is ₹2,50,000/- Milestone II – ₹500/- voucher of selected category merchants to account holders whose spent in last F.Y. through Debit Card is greater than ₹4,00,000/- |
| Charges for non-maintenance of MAB | Nil Note: No charges will be levied for non-maintenance of MAB but freebies/concession related to the scheme will be withdrawn |