Rupay KC FI Guidelines

Guidelines for ATM enabled Kisan Debit Card

  1. The ATM enabled Kisan Debit card is issued to the customers having Vijaya Kisan Card account at your branch (CBS) and is linked to VKC account of the customer.
  2. The ATM enabled Kisan Debit Card  is specially designed non photo card launched in association with Rupay a Domestic payment branch promoted by NPCI
  3. The card is issued free of charge and is valid for 10 years
  4. The cardholder can withdraw cash from all the ATMs of our bank and other bank’s Rupay Branded ATMs.
  5. The Kisan Debit card also can be used at merchants for the purchase of items required for agriculture activity only*.   To restrict the use of Kisan Debit card for agriculture purpose, an undertaking letter is to be obtained from the VKC customer applying for Kisan Card. A Performa of the undertaking letter is enclosed herewith.
  6. The existing limits of Debit Card for cash withdrawal at ATMs ,Merchant transactions and number of financial transactions are applicable in case of Kisan Debit card also subject to not exceeding the drawing power/seasonal sub limits fixed for VKC a/c of the cardholder. 

     

ATM cash withdrawal limit per day

Rs 30,000/-

Merchant transaction limit per day

Rs 25,000/-

No of transactions per day (financial)

10

  • The drawing power for the Kisan card account will have to be fixed by the branch depending upon the crops cultivated, area under cultivation and scale of finance. The guidelines for opening and maintaining drawing power on Kisan Card account has been framed by the HO – credit priority by way of circulars has to be complied with.

CHARGES/FEES
Card Fee

Fresh card issuance

Free

Hotlisting of the card

Rs 50/-

Card replacement

Rs 100/-

PIN regeneration

Rs 25/- per request

Cancellation charges (Applicable if cancelled in the   first card year)

Rs 100/-  

 *Applicable S. T Extra


Transaction charges

Vijaya Bank’s ATM cash withdrawal & balance Enquiry/mini statement/ PIN change

Free

Other bank’s Rupay  ATMs*   
Cash
Balance Enquiry

 

Rs  20/- per transaction
Rs    8/- per enquiry

  • Applicable S. T Extra. (Since the Accounts are treated as Current Accounts in

Nature, no exemption from charges is eligible for kisan debit cards for using other bank ATMs.)

Other Charges

Charges for request for copy of chargeslip  *

  • for transactions at our merchants
  • for transactions at other banks merchants

 

Rs 100/-
Actuals with a minimum of Rs 100/-

    *Initially Rupay cards are enabled for ATM Usage only till a separate communication on enabling the card for POS transactions is issued.
                                                                                                         
PROCEDURE FOR ISSUE OF KISAN DEBIT CARD

  • For the issue of ATM enabled Kisan Debit card, an application is to be obtained from the VKC customer. The existing Debit card application.  may be used for this purpose. In the Debit Card application ‘Application for Vijaya Global Debit cum ATM card’ may be modified as ‘Application for Kisan Debit Card’, with due authentication from the customer. The original application obtained should be retained with the branch only.
  • For sending the data to Debit Card Cell, the same procedure as applicable in case of Debit Card is to be followed. Since Rupay Kisan Debit card is a non -photo card, branches has  to mark Y in freetext6 field of the VKC A/c of the applicant.
  •  As in the case of Debit Cards, the Kisan cards will be sent to the branch & & PIN mailers to customer address through separate couriers.
  • As soon as the Kisan Card & PIN mailers are received at the branch, the same have to be entered in the Debit Card & PIN Mailer Issued Register. Some pages of the existing Register may be used for Kisan Cards. 
  • Before delivery of Kisan Card to the customer, the card is to be activated by marking E (replacing Y) in the VKC a/c of the customer and authorizing the same.
  • Since the ATM enabled Kisan Debit Cards are issued with Debit Card PIN, the rules and regulations on Debit Card are applicable to Rupay Kisan Card also. The guidelines on issuance of debit cards as per HOC 29/2008 dated September 2, 2005 and 35/2006 dated February 20, 2006 as applicable to Kisan card should be strictly complied with. 

Dispute Resolution
As the transactions are debited ONLINE, any dispute relating to a transaction should be reported by the cardholder in writing to the branch/Credit Card Division, HO, and Bangalore within 30 days from the date of transaction. Terms of HOC 263/2011 will be prevailing on handling the disputes received at the branches in this regard.


 

LETTER OF UNDERTAKING
For ATM enabled Kisan CArd


Place :

 Date :

 

From

 

------------------------

-------------------------

--------------------------

 

To

The Branch Head
Vijaya Bank

--------------------------

 

Dear Sir

My Loan A/c No VKC                       for Rs __________

 

With regard to the above loan account and the ATM enabled Kisan Debit  Card provided to me, I hereby undertake the following :

  • I will UTILISE THE CARD  for the sanctioned purposes of Vijaya Kisan Card only
  • I undertake to comply with other terms of sanction of Vijaya Kisan Card.

 

Yours faithfully

 

(Signature of borrower)
           

 

 

 

 

Adhaar Enabled Rupay Debit Cards issued to FI Accounts

  • The Adhaar Enabled Rupay Debit Card is issued to the customers having Financial Inclusion account at our branch (CBS) and is linked to No frill account of the customer.
  • The Adhaar Enabled Rupay Debit Card   is specially designed as a non photo card launched in association with Rupay a Domestic payment brand promoted by NPCI. The Debit card is prepared in such a way that it can be linked with the Adhaar number of the card holder so that future card authorization can be based on the bio metric  data stored with the Adhaar Authority in place of the PIN , which is presently being used as key to authorize the ATM and POS usage .
  • The card is issued free of charge and is valid for 10 years
  • The cardholder can withdraw cash from all the ATMs of our bank and other bank’s Rupay Branded ATMs.
  • The Kisan Debit card also can be used at merchants for the purchase of items . For the time being, usage at Merchant locations is not enabled.
  • The existing limits of Debit Card for cash withdrawal at ATMs ,Merchant transactions and number of financial transactions are applicable to  Rupay Debit card also,

     

ATM cash withdrawal limit per day

Rs 30,000/-

Merchant transaction limit per day

Rs 25,000/-

No of transactions per day (financial)

10

  • All guidelines issued by Credit Priority Department on Rupay Debit card for FI scheme are to be strictly complied with.

CHARGES/FEES
Card Fee

Fresh card issuance

Free

Hotlisting of the card

Rs 50/-

Card replacement

Rs 100/-

PIN regeneration

Rs 25/- per request

Cancellation charges (Applicable if cancelled in the   first card year)

Rs 100/-  

 *Applicable S. T Extra
Transaction charges

Vijaya Bank’s ATM cash withdrawal & balance Enquiry/mini statement/ PIN change

Free

Other bank’s Rupay  ATMs*   
Cash
Balance Enquiry

 

Rs  20/- per transaction
Rs    8/- per enquiry

Applicable S. T Extra. (FI Savings A/c customers are eligible for 5 Transactions
(both FIn * Non FIN txns together) free in other bank ATMs per month)

Other Charges

Charges for request for copy of chargeslip  *

  • for transactions at our merchants
  • for transactions at other banks merchants

 

Rs 100/-

Actuals with a minimum of Rs 100/-

   *Initially, Rupay cards are enabled for ATM Usage only till a separate
Communication on enabling the card for POS transactions 
                                                                                                         
PROCEDURE FOR ISSUE OF KISAN DEBIT CARD

  • For the issue of Adhaar Enabled Rupay Debit Card, existing provision for availing option from the customer in account opening form can be used as an application.
  • For sending the data to Debit Card Cell, the same procedure as applicable in case of Debit Card is to be followed. Since Rupay Debit card is a non -photo card, you have to mark Y in freetext6 field of the A/c of the applicant.
  •  As in the case of Debit Cards, the Rupay Debit cards will be sent to the branch & PIN mailers to customer address through separate couriers. Undelivered PIN mailers will be redirected to branches for onward delivery to customers.
  • As soon as the Rupay debit Card & PIN mailers are received at the branch, the same have to be entered in the Debit Card & PIN Mailer Issued Register. Some pages of the existing Register may be used for Rupay Debit Cards too. 
  • Before delivery of Rupay debit Card to the customer, the card is to be activated by marking E (replacing Y) in the A/c Master of the customer and authorizing the same.
  • Since the Adhaar Enabled Rupay Debit Cards are issued to FI Accounts with ATM PINs, the rules and regulations on Debit Card are applicable to Rupay Debitcard also. The guidelines on issuance of debit cards as per HOC 29/2008 dated February 21, 2008 as applicable to  Debit cards should be strictly complied with. 

Dispute Resolution
As the transactions are debited ONLINE, any dispute relating to a transaction should be reported by the cardholder in writing to the branch/Credit Card Division, HO, and Bangalore within 30 days from the date of transaction. Terms of HOC 263/2011 will be prevailing on handling the disputes received at the branches in this regard.

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