This scheme allows for the purchase of inputs in a flexible, cost effective manner with very little paperwork. Farmers are also able to draw funds from any bank, not just from the one that issued them credit.

In October of 2004, the Indian Bank transitioned its Kisan Card into a Smart Card, with which farmers can purchase farm inputs and equipments, seeds, fertilisers, tractors, in additions to availing loans. Chip-based smart cards contain embedded information pertaining to land records, limit sanctioned, and amount withdrawn against bank account.