Kisan Credit Card
Short-term crop loans at 4% interest — up to ₹3 lakh without collateral
What is the Kisan Credit Card?
The Kisan Credit Card (KCC) provides farmers with timely and flexible credit for agricultural needs — seeds, fertilisers, pesticides, and allied activities like animal husbandry and fisheries. Loans up to ₹3 lakh are available at a heavily subsidised interest rate of effectively 4% per annum.
Key Benefits
• Credit limit based on land size and crop — up to ₹3 lakh and above
• Interest rate: 7% from bank, but 3% subvention for timely repayment = effective 4%
• ATM/debit card facility for easy withdrawal
• Covers crop loans, post-harvest expenses, maintenance expenses
• No collateral required for loans up to ₹1.6 lakh
• Also covers fishermen and animal husbandry farmers
Who is Eligible?
All farmers (individual and joint), tenant farmers, sharecroppers, and self-help groups of farmers with cultivable land. Fishermen and animal husbandry farmers are also eligible under extended KCC.
Documents Required
• Land ownership documents (patta/chitta)
• Aadhaar card
• Passport-size photograph
• Bank account details
• Crop cultivation details
• Land records from village/taluk office
How to Apply
Visit any public sector bank, cooperative bank, or Regional Rural Bank in your area. Ask for a KCC application form. Submit with your land records and Aadhaar. The bank will assess your credit limit based on landholding and crop type. The KCC is typically issued within 2 weeks. PM-KISAN beneficiaries can be fast-tracked for KCC.
Scheme Assistance
N. Senthilkumar Nagendran
BJP Zone Incharge, Tamil Nadu — leading Seva Sankalp Abhiyan to bring every Central scheme to your doorstep.
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