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The Kisan Credit Card (KCC) Scheme was introduced by the Government of India in 1998 to offer farmers timely credit. Administered by the NABARD (National Bank for Agriculture and Rural Development), the KCC Scheme was launched with the objective of providing farmers with short-term loans. 


Catering to the needs of farmers engaged in agriculture, animal husbandry, and fisheries, the scheme provides easy credit to meet farming needs. By offering short-term loans and a live credit limit, the KCC scheme helps farmers purchase equipment, develop their lands, and meet other agricultural expenses. With short-term KCC loans available against 7% interest, the Indian Government helped shield farmers from local money lenders and create formal channels of pocket-friendly credit.

Some of the Top Banks Offering Kisan Credit Cards

All commercial banks in India are eligible to issue the Kisan Credit Cards. Farmers can also get this facility at regional rural banks and cooperative banks. Check out some of the top banks in the country that offer the Kisan Credit Card, and the different features and charges associated with it. 


Features and Charges





Axis Bank Kisan Credit Card

  • Loan tenures up to 1 year in case of cash credit and 7 years in case of term loans

  • Insurance coverage for all crops notified under the Pradhan Mantri Fasal Bima Yojana

  • Interest rates starting at 8.85% per annum 

  • High value loans up to ₹250 Lakhs 






SBI Kisan Credit Card

  • Loan tenure up to 5 years, with a 10% increase of the limit every year 

  • Insurance coverage for all crops covered under the Pradhan Mantri Fasal Bima Yojana

  • Interest rate starting at 7% per annum, subject to 2% interest subsidy from the Government of India

  • No processing fee for loans up to ₹50,000



Central Bank of India’s Kisan Credit Card (Central Kisan Credit Card)

  • Loan tenure up to 5 years for cash credits 

  • Interest rate starting at 7% per annum for loan amounts up to ₹3 Lakhs

  • No collateral on crop loans up to ₹1.60 Lakhs

  • No margin whatsoever



Union Bank of India’s Kisan Credit Card (Union Green Card)

  • Loan tenure generally up to 5 years 

  • Kisan Credit Card valid for a period of 5 years, subject to annual reviews

  • No separate margin for crop loans

  • No margin for term loans up to ₹1.60 Lakhs




HDFC PM Kisan Credit Card

  • Credit period of 12 months

  • Card validity period of 5 years, with annual renewal

  • Personal accident cover for cardholders below 70 years of age

  • Interest rates averaging at around 9%




Baroda Kisan Credit Card (BKCC)

  • Minimum loan amount of ₹5,000

  • Interest rate of 7% on loans up to ₹3 Lakhs

  • Free insurance cover of ₹50,000 under the Personal Accident Insurance Scheme 

  • No processing charges or inspection charges for aggregate loans up to ₹3 Lakhs



Indian Bank Kisan Credit Card (KCC)

  • Kisan Credit Card valid for 5 years

  • Interest rates starting at 7% per annum

  • No processing fee on loans of up to ₹3 Lakhs

  • No margin on loans

Features and Benefits of the Kisan Credit Card

The Kisan Credit Card Scheme was introduced to offer easy credit to farmers. Here’s a list of features and benefits the card offers:


  • The KCC Scheme offers farmers access to timely credit to meet working capital requirements. Funds can be used for cultivation expenses including the purchase of agricultural equipment and inputs, machine repairs, etc. Maintenance expenses like land development costs as well as allied expenses made towards children’s education or family functions are also covered by the scheme. 

  • Depending on their preference, farmers can choose to opt for cash credit or term loans. Moreover, farmers can repay the loan flexibly depending on the crop harvest and marketing periods.

  • Keeping the cost of borrowing low, the Kisan Credit Card Scheme offers credit at a low interest rate of around 7%. 

  • Apart from pocket-friendly interest rates, farmers get an added incentive of 3% interest subvention for prompt payments. This interest subsidy is applicable to loans up to ₹3 Lakhs that are cleared within a year. 

  • Farmers opting for short-term KCC loans of up to ₹1.60 Lakhs can get the amount sanctioned without pledging collateral. 

  • The eligibility parameters and documents required for the KCC Scheme are quite elementary. This, along with the hassle-free application process ensures easy access to credit. Moreover, Kisan Credit Cards come with quick sanctions, and timely disbursals, helping farmers promptly meet their needs. 

  • The card comes with a free accidental insurance cover of up to ₹50,000 payable on the death or permanent disability of the farmer. Additionally, an insurance cover of ₹25,000 is applicable on all other risks. 

  • Additionally, crop insurance coverage for notified crops under the Pradhan Mantri Fasal Bima Yojana.

Eligibility Criteria and Documents Required for Kisan Credit Card

Knowing the eligibility checklist and documents required for KCC can help streamline the application process. To check whether you qualify for KCC, you can go through the following  sections: 


1. Eligibility Criteria for KCC

 To apply for the Kisan Credit Card Scheme, you must be: 

  • An individual/ joint borrower who is an owner cultivator. 

  • A tenant farmer/shared cropper/Oral Lessee.

  • A Self-Help Group or joint-Liability Group of shared croppers, tenant farmers, etc. 


2. Documents Required for KCC 

If you meet the above-mentioned eligibility criteria, you can apply for the Kisan Credit Card Scheme with the following set of documents:

  • A duly filled Kisan Credit Card application form

  • Two passport-size photographs

  • A valid ID proof like your PAN Card, Aadhaar Card, Passport, Driving License, or Voter’s ID 

  • A valid address proof like your PAN Card, Aadhaar Card, Driving License, etc. 

  • Certified landholding proof by relevant revenue authorities. 

  • Cropping pattern with acreage details. 

  • Security documents will be needed for loans above 1.6 Lakhs or 3 Lakhs (as applicable).

  • Any other document mandated by the bank. 

Interest Rates and Other Charges on KCC

Apart from the Kisan Credit Card eligibility criteria mentioned above, to opt for a loan against your card, you must meet the following parameters: 


  • Minimum age for eligibility: 18 years. 

  • Maximum age for eligibility: 75 years.

  • For senior citizen applicants above 60 years of age, a co-borrower (who is also their legal heir) must be listed. 


While KCC interest rates and processing fees are bank-specific, here’s a quick look at the current rates:

Borrowed Amount

Applicable Interest Rate

Up to ₹3 Lakhs

7% (interest subvention applicable)

More than ₹3 Lakhs

As per the concerned bank’s official website

How to Apply for a Kisan Credit Card

Applying for the Kisan card is extremely easy. You can either choose to do it online or offline. Here’s a quick look at the process that you need to follow in both these cases. 


1. Online Application Process 

  • Step 1: Visit the issuing bank’s website. 

  • Step 2: Select ‘Kisan Credit Card’ from the list of credit card options on the website.

  • Step 3: Click on the ‘Apply’ button.

  • Step 4: Fill and submit the KCC application form along with the necessary documents. 


That’s it. Your application will be processed and if found eligible, the card will be sent to your address within a few days. 


2. Offline Application Process 

  • Visit a branch of the issuing bank. 

  • Get the PM Kisan credit card application form from the bank’s representative. 

  • Fill the form and submit it along with all the necessary documentation.

How to Check Your Kisan Credit Card Balance

Most issuing banks now allow you to  check your Kisan credit card balance online. You can simply log into the issuing bank’s online portal and check your KCC balance. Alternatively, you can call your bank’s customer care and inquire about your Kisan credit card balance.

KCC Credit Limit

As per the Reserve Bank of India’s guidelines, there is no set KCC limit. In fact, lending institutions are free to sanction the amount they wish to, depending on their selection criteria. This may include taking into account the farmer’s monthly income, the cropped area and patterns, or both these aspects.

How to Contact the Kisan Credit Card Customer Care

If you have any queries, grievances, or doubts regarding the Kisan credit card Yojana, you can always get in touch with the customer care to get them clarified. 


If you wish to speak to Kisan credit card customer care, all that you need to do is call toll-free numbers - 155261 or 1800 115 526. Alternatively, you can also reach them by calling this number - 0120-6025109. 


On the other hand, if you wish to register your KCC-related issues and grievances in writing, you can send an email to pmkisan-ict@gov.in

FAQs on Kisan Credit Card

The Kisan Credit Card Scheme is an initiative of the Government of India that aims to benefit farmers in agriculture, fisheries, and animal husbandry. It provides these farmers with short-term formal credit whenever they need it, using the funds available on the Kisan Credit Card. The interest rate against a KCC loan is low and the repayment process is flexible, which helps empower farmers.

If you have a Kisan Credit Card, you can visit the online website of your issuing bank and apply for the PM Kisan loan online. You need to fill in the KCC loan form with your Kisan credit card details and the amount you wish to borrow. Once the loan is processed, you would be able to see the PM KCC loan details on your online dashboard.

The PM Kisan Credit Card scheme can be availed by an individual farmer or a group of farmers who are both owners and cultivators of the land. Farmers involved in allied activities too can avail the scheme. Even sharecroppers and tenant farmers are eligible for availing a PM Kisan credit card loan.

The Kisan card can be used to meet different needs like the short-term cash credit and capital requirements of farmers, post-harvest expenses, marketing expenses of produce, working capital requirements and consumption requirements of farmer households.

All scheduled commercial banks, Regional Rural Banks (RRBs), and state co-operative banks are eligible to issue a Kisan Credit Card.

Yes. All Kisan Credit Cards offer cash withdrawal and cash advance facilities. All that you need to do is visit an ATM and use the card to withdraw cash. That said, keep in mind that you will be levied interest on such cash advances.

Different categories of individuals are eligible to apply for the PM Kisan Credit Card Yojana. They include individual borrowers who are owner cultivators, joint borrowers who are owner cultivators, tenant farmers, oral lessees, sharecroppers, and Self-Help Groups (SHGs) or Joint-Liability Groups (JLGs) of farmers.

According to RBI regulations, banks are free to offer collateral-free loans up to ₹1 Lakh in the case of non-tie-up applicants, and up to ₹3 Lakhs in the case of tie-up applicants. For loans exceeding these amounts specified above, banks are free to insist on a collateral.

The validity period is for five years under the Kisan Credit Card Scheme. The kind of activity you intend to perform with the money will determine the length of tenure you receive for your Kisan Card.

There different kinds of loans under the Kisan Credit Card scheme each carry their own interest rate. The rate of interest varies from one issuing/lending bank to another. Currently, KCC interest rates start from 7% p.a.

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