Kisan Credit Card (KCC)
PurposeCredit for farming, crops and related expenses
Interest reliefInterest subvention on timely repayment (as per bank)
Where fromBanks, Gramin banks, cooperative banks
PortalBank branch / information on PM Kisan portal
โ ๏ธ The government changes interest subvention and loan limits from time to time. Confirm final terms in writing with the bank.
What is the scheme?
The Kisan Credit Card scheme gives farmers easy and cheap credit for needs like seeds, fertiliser and pesticides. On timely repayment there is a government interest concession. Farmers engaged in animal husbandry and fisheries are also covered.
Key benefits
- Flexible credit for farm expenses
- Interest concession on timely repayment (as per applicable scheme)
- Easier to link with crop insurance
- Cards also available for animal husbandry and fisheries
Eligibility โ who can apply
- Farmers who cultivate (landowners or tenants, as per bank rules)
- Farmers in animal husbandry and fisheries
- Self-help groups / joint liability groups (as per bank rules)
Who is not eligible / things to note
- Those who are defaulters on earlier agricultural loans (as per bank conditions)
Documents required
- Aadhaar card
- Land papers / proof of cultivation
- Passport-size photo
- Bank account details
- Other papers asked by the bank
How to apply (step by step)
- Ask about KCC at your bank/cooperative bank branch
- Fill the application form and submit land and ID documents
- The bank checks and fixes the limit
- After the card is issued, use it as needed and repay on time
Frequently asked questions
How much loan does KCC give?
The limit depends on your land, crop and the bank's assessment. The government has announced higher interest-subvention limits in recent years, so ask the bank for the latest limit.
What interest rate is charged?
With timely repayment there is a government concession, so the effective rate is much lower. Ask the bank for the exact rate.
Can PM Kisan beneficiaries get a KCC?
Yes, many banks keep the KCC process easy for PM Kisan beneficiaries. Ask your branch.
Beware: Do not pay any agent or website in the name of applying for a government scheme. Applying on the official portal is generally free. Do not share OTP, PIN or confidential bank details with anyone.