Core Purpose, Credit Limits, and Interest Subvention
The KCC scheme was created to liberate farming communities from non-institutional moneylenders who charge exorbitant interest rates.
Under the Central Government Modified Interest Subvention Scheme (MISS), agricultural credit is made available at subsidized interest rates, with additional incentives for prompt annual repayment.
- Revolving cash credit: Operates as an open line of credit valid for 5 years with annual review, allowing flexible borrowing and repayment.
- Interest subvention: Eligible borrowers receive central interest subvention and Prompt Repayment Incentive (PRI), keeping credit costs highly economical.
- ATM-enabled RuPay debit card: Farmers receive a RuPay KCC card to withdraw cash from ATMs or purchase fertilizers and seeds at retail POS machines.
- Credit limit calculation: Scale of Finance per acre multiplied by cultivated acreage, plus 10% for household consumption and 20% for asset repair.
Universal Eligibility and Streamlined Application
The government has extended KCC coverage to encompass all allied agricultural operations without requiring land ownership for dairy and fisheries.
PM-Kisan beneficiaries can access a simplified single-page application requiring minimal documentation.
- Who can apply: Individual landowning cultivators, joint borrowers, tenant farmers, oral lessees, sharecroppers, and dairy/fisheries operators.
- Allied sector coverage: Animal husbandry and fisheries farmers can access working capital sub-limits based on livestock or pond count.
- Application avenues: Apply at any commercial bank, regional rural bank (RRB), primary agricultural cooperative society (PACS), or online via JanSamarth.
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
What is the primary objective of the Kisan Credit Card (KCC) scheme?
It provides farmers with timely, flexible institutional credit at subsidized interest rates for crop production, farm upkeep, and allied agricultural activities.
How long is a Kisan Credit Card valid?
A Kisan Credit Card is valid for 5 years, subject to annual bank verification and timely repayment of drawdowns.
Can tenant farmers and dairy producers get a Kisan Credit Card?
Yes, tenant cultivators, sharecroppers, and landless dairy, poultry, and fisheries farmers are fully eligible for KCC credit limits.
General guidance, not personal advice. For your farm, ask your local Krishi Vigyan Kendra or agriculture officer.
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