| PARAMETERS | FEATURES* |
|---|---|
| Eligibility | Individual Farmers age 18 Years & above |
| Minimum Half Yearly Average Balance (HYAB) For Availing Benefits | ₹25,000 |
| Personal Accidental Insurance (PAI) | ₹20.00 Lakh (including animal and insect bite) |
| Permanent Total Disability (PTD) | ₹20.00 Lakh |
| Air Accidental Insurance (AAI) | ₹40.00 Lakh |
| Permanent Partial Disability (PPD) | ₹10 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 ₹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 ₹2 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 |
| Agri Loans (for Farm Machinery, Tractors & Power Tillers) | NIL- Upfront fees/documentation charges in farm equipment loans, excluding Govt. sponsored program where interest subsidy is availableInterest Rate Concession of 0.05% in farm equipment loans, excluding Govt. sponsored program where interest subsidy is available |
| Cheque Book Issuance Charges | Free 50 cheque leaves per Half Year. |
| SMS Alerts Charges | NIL |
| Concession on Locker Rent | 20% waiver in Annual Locker Rent (Small Locker) for lifetime. |
| RTGS/ NEFT (Online) Charges | NIL |
| RTGS/ NEFT (Branch) Charges | Free- 10 per Half Year. |
| Demand Draft Charges | Two 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 & Car Loan |
| Housing Loan | NIL – Processing Fees/upfront Fees and documentation charges. |
| Debit Card | RuPay Farmer Samriddhi Select Card AMC/Issuance Charges – NIL Personal Accident cover upto ₹10.00 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 |
| Debit card Offers* | 1 complementary 12 months Amazon Prime or Hotstar membership or Sony Liv membership every year 1 complementary Health checkup package- every quarter1 complementary SPA session or Salon service every quarter 1 complementary Gym membership 1 complementary Golf lesson or 1 Round every Quarter Exclusive Offers from partner merchants |
| Free Lounge Access | Domestic Airport Lounge – One time per calendar Quarter per card International Airport Lounge – Two 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 |