Objectives and Key Benefits of the KCC Scheme
Introduced by the Government of India and NABARD, the Kisan Credit Card ensures farmers have adequate and timely working capital for agricultural operations.
The card functions as a revolving credit line with simplified documentation and minimum procedural delays.
Credit limits are structured based on cropping patterns, scale of finance, and landholding size with five-year validity.
- Concessional interest: Subsidized interest rates with additional interest subvention for prompt annual repayment
- Revolving cash credit: Flexible withdrawal and repayment through RuPay Kisan debit cards and ATMs
- Allied coverage: Extended to dairy farming, poultry, and fisheries working capital needs
Eligibility Criteria and Essential Documentation
All landowning farmers, individual or joint borrowers, tenant farmers, oral lessees, and Self Help Groups (SHGs) are eligible to apply.
Applicants must submit basic identity, address, and land record documents for institutional verification.
- Eligible categories: Owner-cultivators, tenant farmers, sharecroppers, and animal husbandry rearers
- Required documents: Land revenue records (7/12, RoR, Khatauni), Aadhaar card, PAN card, and passport-size photographs
- No-dues verification: Declaration certifying no outstanding defaulted agricultural loans with other banks
Online Application Process and Digital Portals
Farmers can submit applications online through commercial bank websites, the unified PM-Kisan portal, or local Common Service Centers (CSCs).
Bank branches verify land records digitally and issue RuPay Kisan Credit Cards upon credit sanction.
- Online bank portals: Apply directly via designated agriculture lending portals of SBI, PNB, Bank of Baroda, or regional rural banks
- CSC facilitation: Rural applicants can submit digitized applications through local village Common Service Centers
- Card issuance: Sanctioned credit is accessed through active RuPay KCC cards at any bank ATM or PoS terminal
Official source
Check the latest rules, benefits and forms here. KisanPe is an independent platform and is not a government website.
National Bank for Agriculture and Rural Development (NABARD) ↗Related on KisanPe
Common questions
What is the main advantage of a Kisan Credit Card (KCC)?
KCC provides short-term agricultural credit at concessional subsidized interest rates with flexible repayment via RuPay debit cards.
Can tenant farmers and sharecroppers apply for a Kisan Credit Card?
Yes, tenant farmers, oral lessees, and sharecroppers can apply individually or through Joint Liability Groups (JLGs).
How long is a Kisan Credit Card valid?
A Kisan Credit Card is generally valid for five years subject to annual credit review and renewal by the financing bank.
General guidance, not personal advice. For your farm, ask your local Krishi Vigyan Kendra or agriculture officer.
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