J&K Bank Karobar Card Scheme Check Features and Benefits

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To increase the flow of credit to individuals for entrepreneurial activity in the non-farm sector.

Both working capital and term loan.

  • Individuals engaged in the entrepreneurial activity in the non-farm sector, , which is eligible for classification under the priority sector guidelines
  •  Loan facility under General Credit Card (GCC) should, however, not be extended to ACC, WCC borrowers.
  • The borrowers should not have been loan defaulter at any bank/ branch.


Maximum of 1.00 lacs.

Maximum: 60 months including maximum moratorium period of 03 months.

Micro Enterprise.

Upto 50,000: No margin is required for loans.

Above  50,000 and upto 1.00 lac: 10%.

For working capital: 20%.

PRIMARY: Hypothecation of all the assets financed.