Kisan Credit Card Scheme

Farmers can get sufficient and timely credit at a subsidised rate

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Indian farmers face a double challenge each year, the changing weather and the constant worry about finances. Access to timely credit can be the difference between a thriving farm and a season full of worry. This is where the Kisan Credit Card (KCC) Scheme emerges as a valuable tool, designed to empower farmers and nurture agricultural prosperity.

Some of the Top Banks Offering Kisan Credit Cards

All commercial banks in India are eligible to issue 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.

Bank	Features and Charges
Axis Bank Kisan Credit Card	Loan tenors 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% p.a. High-value loans up to ₹250 Lakhs
SBI Kisan Credit Card	Loan tenor 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% p.a., subject to a 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 tenors up to 5 years for cash credits Interest rate starting at 7% p.a. 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 tenors generally up to 5 years Kisan Credit Card is valid for 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% p.a. 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	Kisan Credit Card valid for 5 years Interest rates starting at 7% p.a. No processing fee on loans of up to ₹3 Lakhs No margin on loans

Features & Benefits of the Kisan Credit Card

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

Timely Credit

It offers farmers access to timely credit to meet working capital requirements

Cultivation Costs Covered

Funds can be used for cultivation expenses including the purchase of agricultural equipment and inputs, machine repairs, etc.

Maintenance Costs Managed

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

Option to Choose Credit Payout

Depending on their preference, farmers can choose to opt for cash credit or term loans

Low Interest Rate

Keeping the cost of borrowing low, the scheme offers credit at a low annual interest rate of around 7%

Additional Incentive

Apart from pocket-friendly interest rates, farmers get an added incentive of a 3% interest subsidy for prompt payments applicable to loans up to ₹3 Lakhs.

No Collateral for Lower Amount

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

Accidental Insurance Cover

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

Crop Insurance Cover

Crop insurance coverage for notified crops under the Pradhan Mantri Fasal Bima Yojana.

Eligibility Criteria and Documents Required

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

To apply for the 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

If you meet the Kisan Credit Card eligibility, you can apply for the scheme with the following set of documents:

Once you have confirmed that you meet the Kisan Credit Card eligibility, you may be asked to furnish these 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

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 subsidy applicable)
More than ₹3 Lakhs	As per the concerned bank’s official website

How to Apply for a Kisan Credit Card

Bajaj Markets does not offer an application process for Kisan Credit Cards. However, you can head to the issuer’s official website to apply for the Kisan card. Here’s how you can apply for this card online:

Visit the bank's website
Select the Kisan Credit Card from the list of alternatives
You will be redirected to the application page after clicking the 'Apply' button
Fill out the form with the relevant information and click 'Submit’
An application reference number will then be given to you as confirmation

If you are eligible, the bank will contact you for the next steps within 3-4 working days.

Kisan Credit Card Customer Care

The Kisan Credit Card Customer Care provides the flexibility to be contacted in different ways. The flexible nature allows farmers to use the most convenient mode for them to get their queries resolved. Here’s how you can go about it:

1. Phone Call

Many farmers use the KCC Customer Care number. If the farmers have any queries regarding the features or functionalities of the Kisan Credit Card, they can call any of the following PM Kisan KCC helpline numbers.

Toll-Free Kisan Credit Card Helpline Number: 1800-115-526
Other PM Kisan Credit Card Helpline Number: 0120-6025109/155261

2. Email

Email is another method of reaching KCC Customer Care.

You can email the Kisan Credit Card Customer Support team at pmkisan-ict@gov.in.
You can also email Dr. Ranjna Nagpal in case of any ICT-related queries. She can also be reached at the same email ID.
If you have queries regarding fund transfers, you can contact Shri Bimbadhar Pradha, who can be reached at pmkisan-funds@gov.in.

3. Postal Address

You can send a post or courier to the Kisan Credit Card Customer Care at the following address based on the nature of your query.

For Fund-transfer Related Queries

Shri Krishna Tyagi,

Chief Controller & Accounts Secretary, Department of Agriculture,
Cooperation & Farmers Welfare, Krishi Bhavan

New Delhi - 110001

For Scheme-related Queries

Shri Sanjay Agarwal

Secretary, Department of Agriculture,

Cooperation & Farmers Welfare, Krishi Bhavan
New Delhi - 110001

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What is the Kisan Credit Card Scheme?

The KCC 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.

How do I get PM Kisan money?

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.

Is the PM Kisan credit card scheme open for all farmers?

The KCC 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.

What is the benefit of a Kisan Credit Card?

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.

Which bank can issue a Kisan Credit Card?

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

Can we withdraw money from KCC?

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.

Who is eligible for a Kisan Credit Card?

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.

Is any collateral required for KCC?

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.

Is there any validity period of the Kisan Credit Card?

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

What is the interest rate on KCC?

There different kinds of loans under the KCC scheme each carrying 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.

How many persons can get the Kisan credit card in a family?

Typically, the Kisan Credit Card program only permits one person from each family to use the card. However, particular eligibility requirements may differ depending on the financial institution or government restrictions.

Is a revolving credit facility available on a Kisan Credit Card?

Yes. This feature enables cardholders to carry forward their outstanding balance from one billing cycle to the next, as long as minimum payments are completed on time.