Eligibility criteria across agricultural sectors
- Owner cultivators: Individual or joint farmers cultivating their own agricultural land.
- Tenant farmers and sharecroppers: Oral lessees, tenant cultivators, and Joint Liability Groups (JLGs).
- Animal husbandry and fisheries: Livestock rearers, dairy farmers, poultry owners, and fishers eligible for working capital credit up to prescribed limits.
Required documents and application procedure
Applicants require a filled one-page KCC application form, Aadhaar card, PAN card, land revenue records (Khatauni/7/12 extract), and a no-dues declaration from other banks in the service area. Beneficiaries of PM-Kisan can utilize the simplified one-page form accessible directly through the PM-Kisan portal or public commercial bank branches.
Interest subvention and credit features
Short-term crop credit up to three lakh rupees receives central interest subvention and prompt repayment incentives, lowering effective borrowing costs significantly for disciplined farmers. The credit limit is revolving, valid for five years subject to annual renewal.
Official source
Check the latest rules, benefits and forms here. KisanPe is an independent platform and is not a government website.
Department of Agriculture & Farmers Welfare ↗Related on KisanPe
Common questions
What is the loan ceiling for interest subvention under KCC?
Short-term crop loans up to three lakh rupees are eligible for central interest subvention and prompt repayment incentives.
Can dairy and poultry farmers get a Kisan Credit Card?
Yes, the KCC facility has been expanded to cover working capital needs for animal husbandry, dairy, poultry, and fisheries.
Can PM-Kisan beneficiaries apply through a simplified form?
Yes, verified PM-Kisan beneficiaries can apply using a streamlined single-page KCC form through their servicing bank branch.
General guidance, not personal advice. For your farm, ask your local Krishi Vigyan Kendra or agriculture officer.
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