Online application portals and channels
The Government of India and public sector banks provide digital windows for paperless or semi-digital KCC applications.
- JanSamarth Portal (jansamarth.in): Centralized multi-scheme portal linking farmers directly to partner lending banks.
- PM-KISAN KCC Integration: Enables registered PM-KISAN beneficiaries to download pre-filled KCC loan applications.
- Bank Agri Portals: Online portals of SBI (YONO Krishi), PNB, Bank of Baroda, and regional rural banks.
- Common Service Centers (CSC): Village-level digital assistance for farmers without internet access.
Eligibility criteria and documentation
All owner cultivators, tenant farmers, oral lessees, and sharecroppers are eligible under revised Reserve Bank guidelines.
- Identity & Address Proof: 12-digit Aadhaar card and active mobile number linked with Aadhaar.
- Land Ownership Records: Digital land record extract (7/12, Khatauni, Jamabandi, or Pattadar passbook).
- Cropping Details: Sowing declaration or e-Girdawari crop inspection report for the current season.
- No-Dues Certificate: Required only if applying outside the service area bank branch, often verified digitally via CIBIL.
Interest subvention and credit features
The central government provides interest subvention to make crop cultivation credit affordable.
- Concessional interest rate for short-term agricultural loans up to three lakh rupees.
- Additional prompt repayment incentive (PRI) for farmers who repay their crop loan within one year.
- Covers post-harvest expenses, crop insurance premiums under PMFBY, and household consumption needs.
- Flexible revolving cash credit limit valid for five years with annual reviews.
Official source
Check the latest rules, benefits and forms here. KisanPe is an independent platform and is not a government website.
JanSamarth Portal (National Portal for Credit Linked Govt Schemes) ↗Related on KisanPe
Common questions
Can tenant farmers apply for a Kisan Credit Card online?
Yes, tenant farmers, sharecroppers, and oral lessees can apply individually or through Joint Liability Groups (JLGs) with relevant tenancy or cultivation agreements.
Is collateral required for a Kisan Credit Card loan?
Collateral-free agricultural loans are available up to one lakh sixty thousand rupees, and up to two lakh rupees for farmers with tie-ups.
How can I track my online KCC application?
You can track your application status using the reference number generated on the JanSamarth portal or through your bank's loan tracking portal.
General guidance, not personal advice. For your farm, ask your local Krishi Vigyan Kendra or agriculture officer.
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