Scheme Purpose, Features, and Interest Subvention
The Kisan Credit Card scheme was established by NABARD and RBI to provide revolving cash credit for farmers, freeing them from informal moneylenders. The facility covers cultivation expenses, post-harvest costs, and farm asset maintenance.
Prompt repayment allows borrowers to benefit from government interest subventions, keeping borrowing costs highly economical.
- Concessional credit: Benefits from Central Government Interest Subvention and Prompt Repayment Incentive (PRI).
- Universal coverage: Open to individual landowning farmers, joint borrowers, tenant farmers, oral lessees, sharecroppers, and dairy/fisheries producers.
- Revolving limit: Operates as an active revolving line of credit valid for 5 years subject to annual review.
Application Process and Mandatory Documents
Registration is streamlined through bank branches, Common Service Centers (CSCs), and state agri portals. PM-Kisan beneficiaries can utilize a simplified one-page application form.
Local branch credit officers verify crop scale of finance before disbursing limits onto the RuPay card.
- Required paperwork: Identity proof (Aadhaar or Voter ID), address proof, recent land record extract (7/12, RoR, or Khasra/Khatauni), and crop sowing declaration.
- Branch verification: The lending bank verifies land records, determines credit limits based on district Scale of Finance, and issues a RuPay KCC card.
- Animal husbandry and fisheries: Non-land-owning dairy farmers can obtain a KCC sub-limit based on cattle count and working capital needs.
Official source
Check the latest rules, benefits and forms here. KisanPe is an independent platform and is not a government website.
NABARD KCC Portal ↗Related on KisanPe
Common questions
Who is eligible to apply for a Kisan Credit Card (KCC)?
All farmers, tenant cultivators, sharecroppers, self-help groups, and animal husbandry or fisheries operators are eligible to apply.
Can PM-Kisan beneficiaries get a KCC easily?
Yes, PM-Kisan beneficiaries can apply using a simplified one-page form requiring minimal documentation as their KYC is already pre-verified.
How long is a Kisan Credit Card valid?
A Kisan Credit Card is generally valid for 5 years, subject to annual bank review and timely repayment of drawdowns.
General guidance, not personal advice. For your farm, ask your local Krishi Vigyan Kendra or agriculture officer.
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