The Kisan Credit Card (KCC) Yojana, launched in 1998, aims to provide short‑term credit to Indian farmers for agricultural and allied activities. Under the scheme, eligible farmers can obtain a credit limit up to ₹3 lakh at a low interest rate of 2 %. The card facilitates the purchase of seeds, fertilizers, equipment, and other inputs without the hassle of traditional collateral.
Purpose of the Scheme
KCC is designed to ensure that farmers have timely access to affordable finance, enabling them to improve crop productivity and manage risks. The government also offers subsidies and insurance cover as part of the scheme.
Eligibility Criteria
Indian citizen farmer.
Maximum credit limit of ₹3 lakh (farmers seeking higher limits are not eligible).
Both cultivators and tenant (pattadhar) farmers are eligible.
Fishery and allied activity farmers are also covered.
If the applicant has an existing loan, it must be repaid before availing KCC.
Required Documents
Proof of Identity
Aadhaar Card
Proof of Address
Residence certificate, utility bill, etc.
Land Ownership Documents
Land record, patta, etc.
Caste Certificate (if applicable)
Issued by competent authority
Income Proof
Latest tax returns or income certificate
Passport‑size Photograph
Recent color photo
Benefits of Kisan Credit Card
Short‑term loan up to ₹3 lakh at 2 % interest.
Additional 3 % subsidy from the government on timely repayment.
Insurance cover: ₹50,000 for accidental death and ₹25,000 for other risks.
No collateral required for a credit limit up to ₹1.60 lakh.
Interest rebate of up to 5 % if the loan is repaid within one year (2 % government subsidy + 3 % additional rebate).
Card validity for 5 years, after which it can be renewed.
Participating Banks
HDFC Bank
Bank of India
Axis Bank
Punjab National Bank
State Bank of India
ICICI Bank
Bank of Baroda
How to Apply
Offline Application
Visit the nearest participating bank.
Collect the KCC application form.
Fill in personal details, attach the required documents and a passport‑size photograph.
Submit the completed form to the bank officer.
The bank will verify the documents and process the application. The KCC will be issued within a few days if approved.
Online Application
Currently, there is no dedicated online portal for KCC applications. Farmers must apply through the offline process described above.
Interest Rates & Repayment
The standard interest rate is 2 %. If the loan is fully repaid within one year, the farmer enjoys a total interest reduction of 5 % (2 % government subsidy + 3 % rebate). The repayment schedule is decided by the lending bank.
Why Choose Kisan Credit Card?
KCC offers quick, low‑cost credit without collateral, along with insurance and subsidies, making it a preferred financial tool for Indian farmers seeking to boost their agricultural operations.
Official Links
For the latest updates and detailed guidelines, refer to the official websites of the participating banks or the Ministry of Agriculture & Farmers' Welfare.
What is the maximum loan amount under KCC? Up to ₹3 lakh per farmer.
Is collateral required? No collateral is needed for credit limits up to ₹1.60 lakh.
Can a farmer with an existing loan apply? Yes, but the existing loan must be repaid before obtaining KCC.
What insurance cover does KCC provide? ₹50,000 for accidental death and ₹25,000 for other risks.
Which banks issue KCC? Major banks like HDFC, SBI, PNB, Axis, ICICI, Bank of Baroda, etc.
Is there an online application portal? No, applications are processed offline at the bank.
What interest rebate is available for early repayment? A total of 5 % reduction (2 % government subsidy + 3 % rebate) if repaid within one year.
How long is the KCC valid? The card is valid for 5 years, after which it can be renewed.
Conclusion
The Kisan Credit Card Yojana remains a vital financial instrument for Indian farmers, offering affordable credit, subsidies, and insurance benefits. By meeting the simple eligibility criteria and submitting the required documents at any participating bank, farmers can quickly access funds to enhance their agricultural activities and secure their livelihoods.
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