Kisan Credit Card (KCC) Scheme
This profile has been independently compiled from official gazette notifications and verified web domains. Source Authority Link: loans.gov.in Authority: Ministry of Finance • State/Region: Central Scheme (All India) • Last Audited: 29 Jul 2026
Quick AI Summary
Provides timely, hassle‑free short‑term credit to farmers for cultivation, post‑harvest expenses, and animal husbandry.
Detailed Summary
Objective
The Kisan Credit Card (KCC) scheme is a credit facility extended by commercial banks, cooperative banks and Regional Rural Banks (RRBs) to meet the comprehensive credit requirements of the agriculture sector, including crop production, post‑harvest management, dairy, fisheries and allied activities.
Scope
The scheme is applicable to all eligible cultivators across the country, irrespective of the size of landholding. Credit limits are determined on the basis of the farmer’s cropping pattern, landholding, and repayment capacity.
Interest Subvention
Beneficiaries receive an interest subvention that reduces the effective rate to approximately 4 % per annum, subject to prompt repayment of the loan instalments.
Implementation Agency
Implementation is overseen by the Ministry of Agriculture & Farmers' Welfare in coordination with the Reserve Bank of India and NABARD.
Key Benefits & Financial Assistance
| Comparison Criteria | Benefits |
|---|---|
| Key Benefits |
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Eligibility Criteria Profile
| Comparison Criteria | Eligibility |
|---|---|
| Minimum Age Limit | 18 Years or above |
| Occupation Status | Farmer |
| Domicile State | All India (Central Scheme) |
Application Process Guide
- Obtain the KCC application form from the nearest commercial bank, cooperative bank or RRB.
- Submit the duly filled form along with identity proof, address proof, land records and latest crop plan.
- Bank conducts credit appraisal and may request additional documents.
- Upon approval, the KCC is issued with a unique card number and credit limit.
- Disbursement is made directly to the farmer’s account linked to the card.
Common FAQs regarding this Yojana
The credit limit can be up to ₹3 lakhs per beneficiary, subject to the bank’s assessment of landholding and cropping pattern.
Yes. Tenant farmers and sharecroppers are eligible provided they furnish appropriate tenancy agreements and land records.
For small and marginal farmers, the scheme does not require collateral; the credit is granted on the basis of the farmer’s repayment capacity and crop cycle.