Kisan Credit Card (KCC) features and interest subvention
The KCC scheme is designed to free farmers from informal moneylenders by providing timely institutional working capital.
- Revolving cash credit limit: Scaled according to operational landholding, cropping pattern, and district scale of finance.
- Interest subvention benefit: Concessional interest rate supported by the central Modified Interest Subvention Scheme (MISS).
- Prompt repayment incentive: Farmers who service their crop loans on or before the due date receive an additional interest discount.
- Coverage for allied activities: KCC credit lines now extend to animal husbandry, dairy farming, poultry, and fisheries.
Eligibility criteria and required documentation
Institutional agricultural loans are accessible to diverse categories of agricultural producers.
- Owner cultivators possessing valid land revenue records (Khasra, Khatauni, or 7/12 extract).
- Tenant farmers, oral lessees, and sharecroppers cultivating under formal or Joint Liability Group (JLG) frameworks.
- Self-Help Groups (SHGs) and primary agricultural credit societies engaged in farming.
- Mandatory documents: Aadhaar card, PAN or Form 60, updated land ownership records, and active bank account details.
Application workflow through banks and Jan Samarth portal
Farmers can apply by submitting a standardized one-page KCC application form at their local bank branch or primary agricultural credit society (PACS). Alternatively, applicants can register online via the Jan Samarth portal (jansamarth.in) to link their application with central interest subvention and digital bank processing.
Official source
Check the latest rules, benefits and forms here. KisanPe is an independent platform and is not a government website.
Ministry of Agriculture and Farmers Welfare ↗Related on KisanPe
Common questions
What is the primary benefit of the Kisan Credit Card (KCC) loan?
KCC provides affordable revolving crop credit with significant interest subvention, ensuring timely funds for seeds, fertilizers, and field operations.
What additional benefit is provided for prompt loan repayment under KCC?
Farmers who repay their short-term crop loans within the stipulated due date receive an additional prompt repayment interest discount.
Can dairy and poultry farmers get a Kisan Credit Card?
Yes, the KCC facility has been expanded to cover working capital requirements for animal husbandry, dairy, poultry, and fisheries farmers.
General guidance, not personal advice. For your farm, ask your local Krishi Vigyan Kendra or agriculture officer.
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