RBI Scheduled BankTenure: 5 Years (Annual Rollover)Waived up to ₹3 Lakhs
Central Krishi Card
Central Bank of India
Central Bank of India acts as Lead Bank across numerous agricultural districts, managing local DLTC Scale of Finance notifications and district credit plans.
Effective Interest
4.00% p.a.
Base: 7.00% p.a.
Collateral-Free Limit
₹1,60,000
No land mortgage needed
Digital Portal
Cent Mobile Banking
Instant online review
Farmer Helpline
1800-22-1911
Toll-free customer care
Key Features of Central Krishi Card
- Lead bank in dozens of premier agricultural districts in Maharashtra, MP, and Bihar.
- Simple single-page annual renewal for existing disciplined borrowers.
- Animal husbandry & dairy sub-limits sanctioned within the same master KCC limit.
Mandatory Documentation for Central Bank of India
Aadhaar card
7/12 or Khasra Khatauni
Bank KYC documents
ATM & Merchant Card Operations
Borrowers receive a Cent 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 Central Krishi Card
Access the authorized Central Bank of India portal to initiate your online KCC application or digital limit review:
Open Central Krishi Card PortalCustomer Helpline: 1800-22-1911
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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..
Central Bank of India provides collateral-free crop loans up to ₹1,60,000 without requiring any land mortgage or third-party guarantee, as mandated by RBI.
Farmers can apply online via Cent Mobile Banking or submit a physical application at any rural or semi-urban Central Bank of India branch with 7/12 land records, Aadhaar, and crop planning details.
You can reach Central Bank of India agricultural loan assistance directly at 1800-22-1911.