Correct Option: D

A Kisan Credit Card is a credit card to provide affordable credit for farmers in India. It was started by the Government of India, Reserve Bank of India (RBI), and National Bank for Agricultural and Rural Development (NABARD) in 1998-99 to help farmers access timely and adequate credit. The farmers can use cards to withdraw money from most of the banks like commercial banks, cooperative bank and regional rural banks. However in day-to-day operations NABARD is not included.