Kisan Credit Card (KCC)

iAbout This Scheme

Revolving short-term credit facility for farmers providing adequate and timely credit for agricultural needs including crop cultivation, post-harvest expenses, and maintenance of farm assets at subsidised interest rates, with interest subvention making effective rate as low as 4%.

🎁Key Benefits

• Short-term crop loans at 7% interest (effective 4% with subvention)
• Credit limit based on land holding and cropping pattern
• Revolving credit facility — repay and re-use
• Coverage for post-harvest expenses and domestic consumption
• Personal accident insurance of ₹50,000 (death/permanent disability)
• Asset insurance cover for crops and equipment

✅Eligibility Criteria

• 1
  All farmers — individual/joint borrowers who are owner cultivators
• 2
  Tenant farmers, oral lessees, and sharecroppers
• 3
  SHGs or joint liability groups of farmers including tenant farmers
• 4
  Fishermen and animal husbandry farmers also eligible (post 2019 expansion)

📝How to Apply

❓Frequently Asked Questions