RBI Scheduled BankTenure: 5 Years (Annual Rollover)Zero processing fee up to ₹3,00,000 limit
SBI YONO KCC
State Bank of India (SBI)
SBI is India’s largest agricultural credit provider, serving over 1.4 Crore farmers with digital KCC sanctions, RuPay cards, and direct PMFBY crop insurance linkages.
Effective Interest
4.00% p.a. (0% in Maharashtra, MP, Rajasthan)
Base: 7.00% p.a.
Collateral-Free Limit
₹1,60,000
No land mortgage needed
Digital Portal
SBI YONO App
Instant online review
Farmer Helpline
1800-11-2211
Toll-free customer care
Key Features of SBI YONO KCC
- Digital 1-click KCC review and limit enhancement via YONO Krishi app.
- 10% annual limit step-up for 5 years to account for rising seed and fertilizer costs.
- Flexible revolving credit: deposit surplus mandi sales into KCC to reduce daily interest burden.
Mandatory Documentation for State Bank of India (SBI)
Aadhaar Card linked to mobile number
Digital Land Record (7/12 Extract, Khasra, Khatauni, ROR)
Passport size photo and PAN Card
No Dues Certificate (NDC) or self-declaration for loans up to ₹1.60 Lakh
ATM & Merchant Card Operations
Borrowers receive a State Bank RuPay Kisan Card (40,000+ ATM access). 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 SBI YONO KCC
Access the authorized State Bank of India (SBI) portal to initiate your online KCC application or digital limit review:
Open SBI YONO KCC PortalCustomer Helpline: 1800-11-2211 / 1800-425-3800
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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 Maharashtra, MP, Rajasthan).
State Bank of India (SBI) provides collateral-free crop loans up to ₹1,60,000 (No hypothecation/mortgage) without requiring any land mortgage or third-party guarantee, as mandated by RBI.
Farmers can apply online via SBI YONO App / YONO Krishi KCC Review or submit a physical application at any rural or semi-urban State Bank of India (SBI) branch with 7/12 land records, Aadhaar, and crop planning details.
You can reach State Bank of India (SBI) agricultural loan assistance directly at 1800-11-2211 / 1800-425-3800.