RBI Scheduled BankTenure: 5 Years (Annual Rollover)Zero upfront processing charges up to ₹3 Lakhs
Baroda Kisan Credit Card (BKCC)
Bank of Baroda (BoB)
Bank of Baroda provides frictionless crop production finance with digital pre-approved farmer loan limits and nationwide branch coverage.
Effective Interest
4.00% p.a. (0% in states with local top-ups)
Base: 7.00% p.a.
Collateral-Free Limit
₹1,60,000
No land mortgage needed
Digital Portal
bob World Mobile Banking
Instant online review
Farmer Helpline
1800-5700
Toll-free customer care
Key Features of Baroda Kisan Credit Card (BKCC)
- Automatic 10% credit limit increment per year for subsequent 4 years.
- Withdraw cash at any bank ATM or swipe at village fertilizer and seed merchant POS machines.
- Comprehensive personal accident insurance of ₹50,000 bundled with RuPay KCC.
Mandatory Documentation for Bank of Baroda (BoB)
Aadhaar Card & PAN Card
Latest 8A and 7/12 extract or Land Possession Certificate (LPC)
Application form with declaration of existing agricultural borrowings
ATM & Merchant Card Operations
Borrowers receive a Baroda RuPay Kisan Card. You can withdraw cash at any bank ATM across India or swipe directly at authorized seed, fertilizer, and pesticide dealers. Interest is charged ONLY on the exact amount drawn, not the total sanctioned limit.
Official Bank Portal
Apply for Baroda Kisan Credit Card (BKCC)
Access the authorized Bank of Baroda (BoB) portal to initiate your online KCC application or digital limit review:
Open Baroda Kisan Credit Card (BKCC) PortalCustomer Helpline: 1800-5700
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Calculate Exact Limit for Your Acreage
Use our interactive calculator to compute your base crop scale of finance, household buffer, and maintenance allowance.
Open KCC CalculatorFAQ
Frequently asked questions
The base interest rate is 7.00% p.a.. Under the Government of India’s Interest Subvention Scheme, borrowers who make timely repayments receive a 3% Prompt Repayment Incentive (PRI), resulting in an effective interest rate of 4.00% p.a. (0% in states with local top-ups).
Bank of Baroda (BoB) provides collateral-free crop loans up to ₹1,60,000 (₹3,00,000 for tie-up arrangements) without requiring any land mortgage or third-party guarantee, as mandated by RBI.
Farmers can apply online via bob World Mobile Banking / Digital Lending Platform or submit a physical application at any rural or semi-urban Bank of Baroda (BoB) branch with 7/12 land records, Aadhaar, and crop planning details.
You can reach Bank of Baroda (BoB) agricultural loan assistance directly at 1800-5700.