RBI Scheduled BankTenure: 5 Years (Annual Rollover)Nil for crop loans up to ₹3 Lakhs
Union Kisan Credit Card
Union Bank of India
Union Bank of India offers comprehensive KCC facilities with specialized financing options for both individual landholders and oral tenant lessees.
Effective Interest
4.00% p.a. with central incentive
Base: 7.00% p.a.
Collateral-Free Limit
₹1,60,000 without land mortgage
No land mortgage needed
Digital Portal
Union Vyom Mobile App
Instant online review
Farmer Helpline
1800-22-2244
Toll-free customer care
Key Features of Union Kisan Credit Card
- Integrated with e-NAM and APMC mandi accounts for seamless sale proceeds credit.
- Low minimum margin requirements on allied equipment purchases.
- Special focus on Self Help Groups (SHGs) and tenant farmers under Joint Liability Group (JLG) mode.
Mandatory Documentation for Union Bank of India
Aadhaar & PAN card
Revenue land extract / Land Possession Certificate
Photographs and bank declaration
ATM & Merchant Card Operations
Borrowers receive a Union 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 Union Kisan Credit Card
Access the authorized Union Bank of India portal to initiate your online KCC application or digital limit review:
Open Union Kisan Credit Card PortalCustomer Helpline: 1800-22-2244
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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 incentive.
Union Bank of India provides collateral-free crop loans up to ₹1,60,000 without land mortgage without requiring any land mortgage or third-party guarantee, as mandated by RBI.
Farmers can apply online via Union Vyom Mobile App or submit a physical application at any rural or semi-urban Union Bank of India branch with 7/12 land records, Aadhaar, and crop planning details.
You can reach Union Bank of India agricultural loan assistance directly at 1800-22-2244.