Kisan Credit Card (KCC) Scheme
यह प्रोफ़ाइल स्वतंत्र रूप से आधिकारिक राजपत्र अधिसूचनाओं और सत्यापित वेब डोमेन से संकलित की गई है। स्रोत प्राधिकरण लिंक: loans.gov.in प्राधिकरण: Ministry of Finance • राज्य/क्षेत्र: Central Scheme (All India) • अंतिम बार ऑडिट किया गया: 29 Jul 2026
त्वरित एआई सारांश
Provides timely, hassle‑free short‑term credit to farmers for cultivation, post‑harvest expenses, and animal husbandry.
विस्तृत सारांश
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.
प्रमुख लाभ और वित्तीय सहायता
| तुलना मानदंड | लाभ |
|---|---|
| प्रमुख लाभ |
|
पात्रता मानदंड प्रोफ़ाइल
| तुलना मानदंड | पात्रता |
|---|---|
| Minimum Age Limit | 18 Years or above |
| Occupation Status | किसान |
| Domicile State | All India (Central Scheme) |
आवेदन प्रक्रिया मार्गदर्शिका
- 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.
इस योजना के बारे में अक्सर पूछे जाने वाले प्रश्न
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.