Kisan Credit Card (KCC) Scheme
Ministry Of Agriculture and Farmers Welfare
The Kisan Credit Card Scheme gives farmers short-term crop and allied-activity credit up to Rs 3 lakh at a subsidised 4% interest rate with prompt repayment, plus accident insurance cover. Apply at any bank branch with land and identity documents.
Key facts
- Nodal ministry
- Ministry Of Agriculture and Farmers Welfare
- Level
- Central
- Launched
- 1998
- Last date
- Ongoing / No fixed deadline
- Helpline
- 1800-180-1551
What you get
Farmers get short-term credit for crop production and allied activities at a subsidised interest rate of 4% per annum (with prompt repayment incentive) up to Rs 3 lakh, along with coverage under Personal Accident Insurance and crop insurance linkage.
Who is eligible
All farmers - individual/joint borrowers, tenant farmers, oral lessees, sharecroppers, and members of SHGs/JLGs engaged in agriculture and allied activities - are eligible for a KCC.
Documents you need
Identity proof, address proof, land ownership/tenancy document, passport-size photograph, and bank account details.
How to apply
Apply at your nearest bank branch (public, private, cooperative or regional rural bank) or online through the bank's KCC application portal; loans are also available for fisheries and animal husbandry under KCC.
Frequently asked questions
What is the interest rate on a Kisan Credit Card loan?
7% per annum, reduced to an effective 4% with the government's prompt repayment interest subvention, on loans up to Rs 3 lakh.
Who is eligible for a Kisan Credit Card?
All farmers including tenant farmers, sharecroppers, and SHG/JLG members engaged in agriculture, fisheries or animal husbandry.
How do I apply for a KCC?
Apply at any bank branch offering KCC, or through the bank's online KCC application form, with land and identity documents.