About this agriculture scheme
The Kisan Credit Card scheme helps farmers get timely credit for agriculture. It offers loans at 4% interest per annum. Apply online or offline anytime as there is no last date.
The Kisan Credit Card (KCC) scheme was launched on 01 Aug 1998. It aims to provide farmers with easy access to credit for agricultural needs. The scheme is managed by the Ministry of Agriculture and Farmers Welfare.
Farmers can use KCC to buy agricultural inputs and withdraw cash for various purposes. This support helps improve their productivity and financial stability.
The scheme offers loans at a subsidized interest rate, making it easier for farmers to manage their expenses and investments in agriculture.
Benefits at a glance
| Scheme name | Kisan Credit Card (KCC) |
|---|---|
| Launched by | Ministry Of Agriculture and Farmers Welfare |
| Launch year | 1998 |
| Benefit | The Kisan Credit Card scheme helps farmers get timely credit for agriculture. |
| Benefit type | Cash (money paid to your bank account) |
| Category | Agriculture |
| Level / State | Central · All India |
| Official portal | pib.gov.in (link at the end of this page) |
Key facts
| Scheme type | Centrally Sponsored Scheme |
|---|---|
| Implementing agency | National Bank For Agriculture And Rural Development |
| Scheme for | Individual |
| Application mode | Online / Offline |
| Last date | Ongoing (no last date notified) |
Who can apply (quick check)
- 👤All genders
- 🎂Age 18 to 70 years
- 📝Online / Offline
Quick check from official data. Full conditions are in the Eligibility section.
किसान क्रेडिट कार्ड योजना किसानों को कृषि के लिए समय पर ऋण प्राप्त करने में मदद करती है। यह 4% वार्षिक ब्याज पर ऋण प्रदान करती है। आवेदन ऑनलाइन या ऑफलाइन किसी भी समय करें, क्योंकि कोई अंतिम तिथि नहीं है।
The Kisan Credit Card scheme helps farmers get timely credit for agriculture.
What you receive
- Interest rate: 4% per annum after subsidies
- Loan limit: Based on area cultivated and cropping pattern
- Validity: 5 years
Farmers can access the loan amount as per their requirements. The interest subvention and repayment incentive make the loans affordable.
Who qualifies
- Age between 18 and 70 years
- Individual or joint borrowers who are owner cultivators
- Tenant farmers, oral lessees, or share croppers
- Self Help Groups (SHGs) or Joint Liability Groups (JLGs) of farmers
Who is not eligible
- No specific exclusions mentioned.
Papers to keep ready
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Registration walkthrough
- Online:
- Visit the bank's website.
- Select the Kisan Credit Card option.
- Fill the application form and submit.
- Note the application reference number.
- The bank will contact you in 3-4 working days if eligible.
- Offline:
- Visit the bank branch of your choice.
- Get help from a bank representative to fill the application.
To check your application status, visit the bank’s website or contact the bank branch directly.
Important dates
| Launch / start | 01 Aug 1998 |
|---|
Real-life examples: are you eligible?
A quick way to gauge your eligibility: find the profile nearest to yours.
Every case differs. Confirm your eligibility on the official portal before applying.
- Incomplete application forms.
- Missing required documents.
- Providing incorrect information about landholding.
- Not meeting the age criteria.
- Applying without proper identification proof.
Frequently asked questions
What is the maximum loan amount for KCC?
The loan limit is based on the area cultivated and cropping pattern.
Can KCC be used for household expenses?
Yes, it can be used for certain household consumption needs.
What documents are needed to apply?
You need ID proof, address proof, landholding proof, and photographs.
How long does it take to process the application?
The bank will contact you within 3-4 working days if eligible.
Is there a specific age limit to apply?
Yes, applicants must be between 18 and 70 years old.
What interest rate is charged on KCC loans?
The interest rate is 4% per annum after subsidies.
Submit your application yourself on the official portal; it costs nothing. Treat anyone demanding money to "get you approved" as a scam.
- Details-2 sbi.co.in
- Notification rbidocs.rbi.org.in (PDF)
tsmpb.in is not affiliated with any government department. Apply only on the official portal and never pay anyone for an application.
First draft prepared with editorial AI tools; every fact verified against the official notification and rewritten by our team.
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