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Kisan Credit Card Application Process

The Indian government introduced the Kisan Credit Card (KCC) scheme in 1998 to issue Kisan credit cards to farmers. This scheme endeavours to offer timely and necessary credit to farmers to meet their production credit needs and incidental expenses, and fund ancillary activities. The KCC scheme was created by NABARD (National Bank for Agriculture and Rural Development) to offer short-term formal credit to farmers.


The interest rates for Kisan credit cards are nominal, starting as low as 2% and averaging at 4%. These loans also have flexible repayment tenures, allowing farmers to fund their purchases conveniently without any hassle. As per the Union Budget 2020, all farmers under the PM Kisan scheme are eligible to own a Kisan credit card.


The PM Kisan credit card application process is simple, and eligible farmers can apply for the Kisan credit card online or offline.

List of Banks Offering Kisan Credit Card

Many popular banks in India offer the Kisan credit card scheme. Some of the popular banks that offer the option to apply for a Kisan credit card are listed below. Check out the key features of the scheme.

1. Axis Bank Kisan Credit Card

  • Credit of up to ₹2.50 Lakhs

  • Choice of term loans and cash credit

  • Maximum repayment tenure of 1 year for cash credit

  • Maximum repayment tenure of 7 years for term loans

  • Dedicated relationship manager to offer suggestions and ensure hassle-free transactions

  • Free accidental coverage up to ₹50,000

  • Crop insurance under Pradhan Mantri Fasal Bima Yojana for certain crop types

2. State Bank of India Kisan Credit Card

  • Credit balance fetches interest at the savings bank rate

  • Loan tenure is 5 years, with approximately a 10% increase in the limit every year, subject to review

  • 3% interest subvention for loans up to ₹3 Lakhs

  • Repayment period varies based on the cultivation and marketing period of the specific crop

  • Rupay debit cards for all eligible KCC borrowers

3. HDFC Bank Kisan Credit Card

  • Insurance coverage under the National Crop Insurance scheme for certain crop loan types

  • Insurance coverage for failed crops

  • Cheque book with a credit limit of ₹25,000

  • Credit limit of ₹3 Lakhs

  • Card validity of five years 

  • Credit period of 12 months

  • Repayment of loan can be done after the harvest and sale of crops


Online and Offline Methods to Process PM Kisan Credit Card Application

If you are eligible for the PM Kisan credit card, apply for the same either online or offline, as per your convenience. You can apply for this card online via the website of any bank that offers this product. Alternatively, you can also visit the bank branch in person to apply for the Kisan credit card offline. 

1. PM Kisan Credit Card Application Process Online

If you want a Kisan card, apply online on the website of any bank that offers this facility. The exact process of applying for a PM Kisan credit card online may vary slightly from one bank to another. But broadly speaking, here is what you need to do.

  • Step 1: Visit the bank’s official website to begin the Kisan credit card application process.

  • Step 2: Navigate to ‘Cards’ and choose ‘Kisan Credit Card’.

  • Step 3: Click on ‘Apply’.

  • Step 4: Fill out the online application form and provide all the relevant details.

  • Step 5: Click on ‘Submit’.


Once you have submitted the Kisan credit card application form, you will receive a reference number indicating your PM Kisan credit card online registration. The bank will get back to you with your Kisan credit card application status within 3 to 4 working days.

2. Kisan Credit Card Application Process Offline

If you do not wish to apply for a Kisan credit card online, you can also do it offline at a bank branch. You need to follow the steps listed below to do this offline.

  • Step 1: Download the Kisan credit card application form PDF from the PM Kisan website. 

  • Step 2: Once the form has been filled, visit the nearest bank branch that offers the Kisan credit card scheme. 

  • Step 3: Submit the duly filled form at the bank to initiate the offline application for a Kisan credit card. 

  • Step 4: The bank’s loan officer will then notify you about the credit card loan amount.

Eligibility and Documents Required for Kisan Credit Card

To obtain the Kisan credit card, you must meet certain eligibility requirements.

  • The applicants (individuals or joint borrowers) must be owner-cultivators.

  • Sharecroppers, tenant farmers, and oral lessees can apply for KCC.

  • Self-help groups (SHGs) and joint liability groups (JLGs) of farmers, including tenant farmers and sharecroppers, are eligible to apply for KCC.


Additionally, you must submit a few documents while applying for the PM Kisan credit card online or offline. These include:

  • Duly filled application form.

  • Two recent passport-size photographs.

  • Copy of identity proof, such as your passport, Aadhaar Card, Voter ID, etc.

  • Copy of address proof, such as your passport, Aadhaar Card, driving licence, etc.

  • Land documents certified by the revenue authorities.

  • Cropping pattern with acreage.

  • Security documents if the loan limit exceeds ₹1.6 Lakhs or ₹3 Lakhs, as applicable.

  • Any other document as applicable.

How to Apply for a Kisan Credit Card under PM Kisan Samman Nidhi Scheme

If you wish to get a Kisan credit card, applying manually through a Common Service Centre (CSC) is the way to go. The steps that you would have to follow for the same are elaborated below. 

  • Step 1: Visit the official website of the bank that offers the PM Kisan credit card

  • Step 2: Search for and download the application form for the credit card from the website. 

  • Step 3: Fill the form manually. Make sure to enter all the key details such as your personal details, land holding details and crop details, among others. 

  • Step 4: Sign and submit the filled in form along with the respective documents at a Common Service Centre (CSC) near you or at the branch of the bank. 


That’s it! Your application will be processed and upon successful verification, the Kisan credit card will be dispatched to the address provided by you. 

How to Check Your Kisan Credit Card Status

In order to take care of the short-term financial needs, growth and stability of the farmers, the PM of India has launched the Kisan credit card. 


It is very important to know about the status of the PM Kisan credit card. Follow these simple steps and check your status easily -

  • Visit the website https://eseva.csccloud.in/KCC/Default.aspx and visit CSC PM KCC Portal.

  • Click ‘View Status’ after logging in to their portal by entering your ID of CSC and password.


That’s it! A fresh page will open up wherein you will have to enter the KCC application ID you have been provided with. PM Kisan credit card Status will now appear on the screen.

Kisan Credit Card Customer Care

If you have any queries or grievances, you can get them addressed by contacting the customer care cell of the Kisan credit card scheme. There are multiple ways to get in touch with the KCC customer care.


If you wish to connect via a call, all that you need to do is simply call the numbers - 011-2430 0606 or 1800 115 526. Alternatively, if you wish to send an email, you can address it to - pmkisan-ict@gov.in.

FAQs on Kisan Credit Card Application Process

What is the credit limit of Kisan Credit Card (KCC)?

For a Kisan credit card limit of up to ₹1.6 Lakhs, you must pledge your crops as collateral security. Similarly, you must pledge your crops as collateral for a Kisan credit card limit of up to ₹3 Lakhs (with a tie-up arrangement). For a Kisan credit card limit above ₹1.6 Lakhs (without a tie-up arrangement), you must pledge your crops as collateral security, along with jewels or deposit receipts.

How can I activate a PM Kisan Account?

To activate your PM Kisan account, you must first visit the official website of the PM Kisan scheme. Navigate to the ‘Farmer’s Corner’ and click on the ‘New Farmer Registration’ option. Once you are redirected to the next page, choose whether you want to open a new account as a rural or an urban farmer. Fill in the required details, such as your Aadhaar number, mobile number and captcha, and click on ‘Submit’.


You will receive a one-time password (OTP) on your mobile number. Enter the OTP to activate your new PM Kisan account.

How to check my Kisan Credit Card balance?

You can quickly check the available balance on your Kisan Credit Card by logging into the card issuing bank’s online portal. Alternatively, you can also contact the customer care cell by calling either of these two numbers - 011-2430 0606 or 1800 115 526 to get to know your balance

Which bank is the best option to get a Kisan Credit Card?

Many public and private sector banks offer the Kisan Credit Card at varying levels of interest rates. The bank that offers the lowest interest rate is often the most ideal option for the Kisan Credit Card. State Bank of India, Canara Bank, HDFC Bank and Axis Bank are a few of the options that you can consider.

What is the Kisan Credit Card limit?

The Kisan Credit Card limit applicable to you tends to vary and is determined based on multiple factors such as your estimated income, crop cultivation pattern and acreage, among others.

What are the benefits of a Kisan credit card loan?

By availing a Kisan credit card loan, you get access to a credit limit ranging from ₹10,000 to ₹50,000 with a 12-month repayment period. Your credit limit can be increased after the annual review if you maintain a good repayment history. Moreover, you can convert and reschedule the outstanding amount in the event of crop damage or calamity.


Additionally, you can clear your debt only after the harvest. You can easily apply for the Kisan credit card and enjoy interest rates similar to those of the agriculture sector.

Can I use Kisan credit cards at ATMs?

Yes, you can use your Kisan credit card to withdraw cash at an ATM.

Which bank provides Kisan credit cards?

All Indian, regional, rural, and cooperative banks offer Kisan credit cards to eligible applicants.

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