RBI Scheduled BankTenure: 5 Years (Annual Rollover)Waived as per RBI agricultural circular
HDFC Smart KCC
HDFC Bank
HDFC Bank combines private-sector digital efficiency with central interest subvention, offering fast 48-hour KCC field appraisal across 150,000+ villages.
Effective Interest
4.00% p.a. with Central Interest Subvention
Base: 7.00% p.a.
Collateral-Free Limit
₹1,60,000 collateral-free
No land mortgage needed
Digital Portal
HDFC SmartAgri Digital Portal
Instant online review
Farmer Helpline
1800-120-9999
Toll-free customer care
Key Features of HDFC Smart KCC
- HDFC SmartAgri platform offers satellite-based crop health monitoring and weather advisories to KCC borrowers.
- Rapid door-step document pickup by rural banking relationship managers.
- SMS alerts for prompt repayment dates to ensure farmers never lose their 3% interest discount.
Mandatory Documentation for HDFC Bank
Aadhaar Card
Digital land records verified via state Bhulekh portal
Crop sowing certificate
Bank statement of past 6 months
ATM & Merchant Card Operations
Borrowers receive a HDFC Bank 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 HDFC Smart KCC
Access the authorized HDFC Bank portal to initiate your online KCC application or digital limit review:
Open HDFC Smart KCC PortalCustomer Helpline: 1800-120-9999
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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. with Central Interest Subvention.
HDFC Bank provides collateral-free crop loans up to ₹1,60,000 collateral-free without requiring any land mortgage or third-party guarantee, as mandated by RBI.
Farmers can apply online via HDFC SmartAgri Digital Portal or submit a physical application at any rural or semi-urban HDFC Bank branch with 7/12 land records, Aadhaar, and crop planning details.
You can reach HDFC Bank agricultural loan assistance directly at 1800-120-9999.