Kisan Credit Card (KCC) Scale of Finance & Crop Loan Directory
Eliminate bank branch ambiguity. Calculate your exact statutory crop loan eligibility per acre using official District Level Technical Committee (DLTC) benchmarks, compare 10 leading KCC banks, and access 0% to 4% interest subvention guidelines.
National KCC Scale of Finance Loan Calculator
Select your district, crop, and farm size in acres. Automatically applies local DLTC variance multipliers and calculates the RBI 1.30x statutory credit entitlement.
RBI Master Circular KCC Limit Calculator
Calculated according to the statutory 1.30x formula (Base Scale of Finance + 10% Household + 20% Farm Maintenance).
₹4,82,625
Total Sanctionable KCC Limit (Year 1)
Eligible for 3% Central Prompt Repayment Incentive (PRI). Farmer pays only 4% effective interest (or 0% in state subvention zones) if repaid within 365 days.
Top 10 Indian Banks Offering Kisan Credit Card (KCC)
Compare effective interest rates, collateral-free credit limits, processing fees, and digital mobile apps (YONO, bob World, PNB One, SmartAgri).
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.
PNB Kisan Tatkal
Punjab National Bank (PNB)
Punjab National Bank offers specialized agricultural credit across northern and central agricultural belts with dedicated farmer customer service desks.
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.
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.
ICICI Agri KCC
ICICI Bank
ICICI Bank provides transparent crop loans with pre-approved limits, digital land parcel valuation, and seamless UPI loan repayment.
Canara Kisan Credit (CKC)
Canara Bank
Canara Bank has historically driven rural development, offering highly affordable crop production credit with simple renewal formalities.
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.
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.
Axis Krishi Loan KCC
Axis Bank
Axis Bank delivers private banking technology combined with statutory 4% KCC interest rates for progressive cultivators across India.
DCCB & Gramin Bank KCC
NABARD Cooperative & Regional Rural Banks (DCCBs & RRBs)
The cooperative credit structure, supervised by NABARD and state cooperative banks, accounts for the largest volume of short-term crop loans disbursed in rural India.
Major Indian Crops Scale of Finance (Per Acre)
Baseline crop production loan limits formulated by District Level Technical Committees for Kharif, Rabi, and Perennial cycles.
| Crop Name | Season | Base Loan / Acre | Total KCC (1.30x) | PMFBY Insurance |
|---|---|---|---|---|
| Sugarcane (Adsali / Irrigated)गन्ना (आडसाली / बागायती) | Annual / Perennial | ₹1,35,000 | ₹1,75,500 | Commercial / Horticultural Crop |
| Sugarcane (Suru / Ratoon)गन्ना (सुरू / खोड़वा) | Annual / Perennial | ₹1,10,000 | ₹1,43,000 | Commercial / Horticultural Crop |
| Cotton (Bt Irrigated)कपास (बीटी बागायती) | Kharif | ₹48,000 | ₹62,400 | Commercial / Cash Crop |
| Cotton (Rainfed)कपास (कोरडवाहू / वर्षा आधारित) | Kharif | ₹36,000 | ₹46,800 | Commercial / Cash Crop |
| Paddy / Rice (Irrigated)धान / चावल (सिंचित बासमती व हाइब्रिड) | Kharif | ₹38,000 | ₹49,400 | Food Grain (2% Premium) |
| Wheat (Rabi Irrigated)गेहूं (रबी सिंचित) | Rabi | ₹30,000 | ₹39,000 | Food Grain (1.5% Premium) |
| Soybean (Kharif)सोयाबीन (खरीफ) | Kharif | ₹34,000 | ₹44,200 | Oilseed (2% Premium) |
| Mustard / Rapeseed (Rabi)सरसों / तोरिया (रबी) | Rabi | ₹26,000 | ₹33,800 | Oilseed (1.5% Premium) |
| Groundnut / Peanutमूंगफली (खरीफ व ग्रीष्मकालीन) | Kharif | ₹32,000 | ₹41,600 | Oilseed (2% Premium) |
| Onion (Storage / Summer / Rabi)प्याज (उन्हाळी / साठवणूक) | Rabi | ₹62,000 | ₹80,600 | Horticulture (5% Premium) |
| Potato (Cold Storage / Processing)आलू (कोल्ड स्टोरेज व चिप्स ग्रेड) | Rabi | ₹65,000 | ₹84,500 | Horticulture (5% Premium) |
| Gram / Bengal Gram (Chana)चना / हरभरा (रबी) | Rabi | ₹26,000 | ₹33,800 | Pulses (1.5% Premium) |
| Pigeon Pea / Tur (Arhar)तूर / अरहर (खरीफ दलहन) | Kharif | ₹28,000 | ₹36,400 | Pulses (2% Premium) |
| Grapes (Export Quality / Table)अंगूर (निर्यातक्षम बागायत) | Annual / Perennial | ₹2,30,000 | ₹2,99,000 | Weather-Based Fruit Crop (RWBCIS) |
| Banana (Tissue Culture Grand Naine)केला (टिश्यू कल्चर जी-९) | Annual / Perennial | ₹1,20,000 | ₹1,56,000 | Weather-Based Fruit Crop |
| Green & Dry Red Chilliमिर्च (हरी व लाल मिर्च) | Kharif | ₹58,000 | ₹75,400 | Commercial Spices |
District-Wise KCC Scale of Finance Dossiers
Scale of finance varies across districts based on local canal irrigation, seed rates, power tariffs, and soil fertility.
Animal Husbandry & Fisheries KCC (AH-KCC)
Cultivators and landless livestock rearers can avail collateral-free credit up to ₹2,00,000 for maintaining milch animals and fisheries.
Dairy Cattle (Cow & Buffalo)
Scale of finance: ₹15,000 to ₹25,000 per milch cow; ₹20,000 to ₹30,000 per buffalo to cover concentrated cattle feed, green fodder, and veterinary vaccinations.
4% Subsidized InterestGoat & Sheep Rearing
Scale of finance: ₹1,500 to ₹2,500 per goat/sheep (typically sanctioned in units of 10+1 or 20+1) for working capital feed and deworming medicine.
No Land Mortgage NeededCommercial Poultry & Fish
Scale of finance: ₹150 to ₹220 per broiler chick; ₹1.5L to ₹2L per acre of freshwater fish pond for floating pelleted fish feed and fingerling seed.
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Frequently asked questions
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