Central government scheme · Ministry of Finance (Department of Financial Services), with the Ministry of Agriculture and Farmers Welfare, RBI and NABARD

Kisan Credit Card

Also called KCC

The Kisan Credit Card is a revolving bank credit line run by the Ministry of Finance (Department of Financial Services), with the Ministry of Agriculture and Farmers Welfare, RBI and NABARD. It is for farmers, fishers and livestock farmers, including individual farmers, joint borrowers who are owner-cultivators, tenant farmers, oral lessees, sharecroppers, Self Help Groups, Joint Liability Groups, and those in animal husbandry, dairying and fisheries. Eligible persons get short-term crop and allied loans at a government-subsidised interest rate, with loans up to ₹3 lakh, collateral-free loans up to ₹2 lakh, and a limit sanctioned for 5 years with an ATM-enabled RuPay debit card. To apply, get the one-page application form from any bank branch or website, fill it in or use a Common Service Centre, and submit it to a commercial, regional rural or cooperative bank branch.

Written by AI from the official details below.

Who can apply for KCC

  • Individual farmers and joint borrowers who are owner-cultivators.
  • Tenant farmers, oral lessees and sharecroppers.
  • Self Help Groups and Joint Liability Groups of farmers, including groups of tenant farmers and sharecroppers.
  • Farmers in animal husbandry, dairying and fisheries, for their working capital needs.

KCC benefits

  • Short-term crop and allied loans at 7% interest a year, on loans up to ₹3 lakh, under the Modified Interest Subvention Scheme.
  • Farmers who repay on time get a further 3% incentive, bringing the effective interest rate to 4%.
  • For loans only for animal husbandry or fisheries, the interest benefit applies up to ₹2 lakh.
  • Loans up to ₹2 lakh without collateral (raised from ₹1.6 lakh by RBI from 1 January 2025).
  • Limit is sanctioned for 5 years, with an ATM-enabled RuPay debit card and one-time documentation.
  • After a natural calamity, interest is not charged for up to 1 year, extendable to 5 years for severe disasters.

How to apply for KCC

  1. Get the one-page KCC application form from any bank branch or bank website; some details are pre-filled from PM-KISAN records.
  2. Fill it in with your land and crop details, or ask a Common Service Centre to fill and send it to the bank digitally.
  3. Submit it to a commercial bank, regional rural bank or cooperative bank branch; some banks and NABARD's e-KCC portal take applications online.
  4. The bank sets your credit limit and issues the card.
  5. For complaints, use the bank's grievance system, the RBI Integrated Ombudsman Scheme, or CPGRAMS.

Documents needed for KCC

  • Copy of land records
  • Details of crops grown

Where it applies

Every state and union territory. See what else applies near you

Checked

Checked against the sources below on 16 October 2026. Rules change, so confirm on the official site before you apply.

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