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ActiveCentral Sector SchemeLaunched 1998-08-01Verified: 2026-09-16

Kisan Credit Card (KCC) Scheme

Institutional revolving credit facility providing farmers short-term agricultural loans up to ₹3 lakh at an effective interest rate of just 4% with interest subvention.

Government Levelcentral Government
Administering BodyMinistry of Agriculture and Farmers Welfare
Beneficiary Sector
Farmers & Agriculture
Applicable Jurisdiction
All India

₹Benefits & Entitlement Breakdown

Short-term credit limit for crop cultivation, post-harvest expenses, produce marketing, farm maintenance, and allied activities (dairy, poultry, fisheries). Normal interest rate is 7% per annum for crop loans up to ₹3,00,000. Under Modified Interest Subvention Scheme (MISS), prompt repaying farmers receive a 3% prompt repayment incentive (PRI), bringing the effective net interest rate down to just 4% per annum. Collateral-free limit available up to ₹1,60,000. KCC valid for 5 years with annual review.

📊Budget Allocation & Beneficiary Reach

Fiscal Budget Allocation

Backed by central Interest Equalization / Subvention scheme allocations via RBI and NABARD

Official Budget Document ↗
Verified Beneficiary Reach

7.5+ Crore operative KCC accounts in India

As of: 2024-03-31PIB / Official Citation ↗

Verified Eligibility Criteria

Age Requirement:18 to 75 years
Annual Family Income Ceiling:No gross income ceiling specified
Target Occupations:farmer, cultivator, sharecropper, dairy_farmer, poultry_farmer, fisher
Eligible Gender:all
Social Category / Reservation:all
Specific Operational Conditions & Exclusions:

All individual/joint landholding farmers, tenant farmers, oral lessees, and sharecroppers. Also extended to animal husbandry, dairy, and fisheries farmers (credit limit up to ₹2 lakh for allied activities). Co-borrower mandatory if applicant is above 60 years.

Required Documents Checklist

  • ✓
    Identity Proof (Aadhaar Card, Voter ID, PAN Card)Mandatory

    Mandatory applicant KYC.

  • ✓
    Land Title Deed / Record of Rights (RoR / Khatauni)Mandatory

    Proof of cultivable landholding.

  • ✓
    Crop Pattern Details & Acreage DeclarationMandatory

    For calculating scale of finance crop limit.

  • ✓
    Tenant Agreement / UndertakingOptional / Supporting

    Required only for tenant farmers and sharecroppers.

How to Apply

1. Obtain the one-page simplified KCC form from any commercial bank, Regional Rural Bank (RRB), Cooperative Bank branch, or download from https://agricoop.nic.in. 2. PM-KISAN beneficiaries can submit their PM-KISAN registration ID for automatic KYC and land-holding verification. 3. Specify crops grown, acreage, and credit requirements for Kharif/Rabi seasons. 4. Submit to the nearest bank branch along with land records. 5. The bank inspects records and issues the KCC Smart Card / RuPay KCC Debit Card within 14 days.

Official Government Application Portal

You will be redirected to the secure official portal: agricoop.nic.in

Apply on official government website

Frequently Asked Questions (Officially Sourced)

Verified answers sourced directly from official circulars, gazettes, and portal FAQs. Never AI-invented.

What is the effective interest rate for farmers who repay their KCC loan on time?

The baseline interest rate is 7% per annum. Farmers who repay promptly receive an additional 3% interest subvention, making the effective interest rate 4% per annum for loans up to ₹3 lakh.

Source: Official Scheme FAQ ↗

Are dairy and fisheries farmers eligible for Kisan Credit Card?

Yes. In 2019, the Government extended KCC facility to animal husbandry, dairy, and fisheries farmers for their working capital needs up to ₹2,00,000.

Source: Official Scheme FAQ ↗

Is collateral required for KCC loans?

No collateral is required for agricultural loans up to ₹1,60,000 under RBI guidelines.

Source: Official Scheme FAQ ↗

Common Rejection Reasons & Warnings

Overdue default on existing agricultural loans; land ownership dispute; fake revenue documents.

Editorial Verification & Change Log

DateFieldDescription / UpdateSource Citation
2026-09-16initial_verificationBaseline verification of KCC operational guidelines, MISS interest subvention rates, and animal husbandry expansion.Official Source ↗

Application Window & Deadlines

Open throughout the year (Continuous facility)

Related Welfare Programs

Pradhan Mantri Kisan Samman Nidhi (PM-KISAN)

Direct income support of ₹6,000 per year in three equal installments to landholding farmer families across India.

Pradhan Mantri Matsya Sampada Yojana (PMMSY)

National flagship scheme for fisheries development providing 40% to 60% capital subsidies for aquaculture, marine fishing boats, cold storage, and fish farming infrastructure.

Pradhan Mantri Fasal Bima Yojana (PMFBY)

Comprehensive agricultural crop insurance covering yield loss from pre-sowing to post-harvest perils at ultra-low farmer premiums of 1.5% to 2%.

Official Helpline & Nodal Offices

Credit Division, Department of Agriculture & Farmers Welfare

Krishi Bhawan, Dr. Rajendra Prasad Road, New Delhi - 110001

Helpline: 155261 / 1800-115-526 (Kisan Call Centre)

Jurisdiction: National (All-India)

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Verification Metadata

Last verified by Eligo researchers on 2026-09-16 against official government documentation.

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