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Agriculture,Rural & Environment

Kisan Credit Card

The Kisan Credit Card (KCC) scheme was introduced in 1998 for issue of Kisan Credit Cards to farmers on the basis of their holdings for uniform adoption by the banks so that farmers may use them to readily purchase agriculture inputs and draw cash for their production needs.

Authority

Central

Region

None

Status

Verified 2026

Updated

March 2026

What you get

Who can apply

Farmers - individual/joint borrowers who are owner cultivators;; Tenant farmers, oral lessees & share croppers;; Self Help Groups (SHGs) or Joint Liability Groups (JLGs) of farmers including tenant farmers, share croppers etc

Required Paperwork

  • Aadhaar Card
  • PAN Card
  • Income Certificate
  • Residence Proof (Domicile)

Common Questions

What are the type of facilities available for finance under the scheme

Kisan Credit Card & Term loan

What is the validity period of the Kisan Credit Card?

This validity period is 5 years. The tenure you do get depends on the type of activity you plan to use the money for

What is the age requirement in order to apply for a Kisan Credit Card ?

You should me a minimum of 18 years of age and be a maximum age of 75 years. If you are a senior citizen, then it is mandatory to have a co-borrower who is a legal heir.

What is the interest rate applicable on the KCC ?

The interest rate will be left to the discretion of the bank. However, according to the KCC circular dated 20 April 2012, the interest rate is 7% p.a. on short-term credit with a Rs.3 lakh upper limit on the principal amount.

What are the Security norms for financing under Kisan credit card

For limits upto Rs.1.60 lakh & limts up to Rs.3 lakh (in case of tie up), security is the hypothecation of crops. For limits above the specified norms, mortgage of land/ or third party guarantee in addition to hypothecated crops / asset

What are benefits provided by Govt of India to improve finance under KCC

The interest subvention @2% and prompt repayment incentive benefit @3% on KCC | loan (i.e. crop loan+ working capital loan for animal husbandry and fisheries) will be available on an overall limit of Rs. 3 lakh per annum and subject to a maximum limit of Rs. 2 lakh per farmer involved in activities only related to animal husbandry and / or fisheries.