agricultureCentral Government

Kisan Credit Card — KCC

Department of Financial Services, Ministry of Finance / Ministry of Agriculture and Farmers Welfare, Government of India

Kisan Credit Card (KCC) provides farmers with timely, flexible, and affordable short-term credit to meet cultivation expenses, post-harvest costs, and working capital requirements for agriculture, animal husbandry, and fisheries. Offers collateral-free loans up to ₹1.60 Lakh and effective 4% interest rate with prompt repayment.

Last verified: 2026-10-22

Chandan Charitable Trust is not a government agency. It does not sanction benefits or process applications. Final eligibility, verification and sanction rest solely with the competent government authority.

How the process works

Step 1: Check eligibility
Individual or joint farmer-cultivators, tenant farmers, and allied animal husbandry / fishery farmers. Applicant must be an owner-cultivator, tenant farmer, sharecropper, or allied livestock/fishery farmer. Credit limit assessed based on cropping pattern, scale of finance, and landholding. Collateral-free credit limit up to ₹1,60,000 without hypothecation of crops. Credit facility valid for 5 years with annual review.
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Step 2: Prepare documents
The official source lists the following documents.
Documents needed for this step
- Completed standard one-page KCC application form.
- Two passport-size photographs.
- Aadhaar card copy.
- Land ownership records (7/12, 8A in Gujarat) or registered tenancy deed.
- Cropping pattern declaration.
- Non-encumbrance certificate / search report (for limits exceeding collateral threshold).
Step 3: Apply
In-person at any public/private commercial bank, Regional Rural Bank (RRB), or Cooperative Bank branch. Step 1: Download simplified one-page KCC form or obtain it from local bank branch. Step 2: Fill personal, landholding, and cropping details. Step 3: Attach Aadhaar, 7/12 and 8A land records, and photographs. Step 4: Bank branch processes application within 14 days. Step 5: Sanction order issued and KCC RuPay card delivered to farmer.
Step 4: Verification
Scrutiny of land revenue records and credit check by financing bank.
Step 5: Sanction / decision
Decision authority, as stated by the official source: Branch Manager of financing commercial / cooperative bank.
Step 6: Benefit
Revolving cash credit limit based on scale of finance, operational land, and crop pattern. Base interest rate of 7% per annum on crop loans up to ₹3,00,000. Additional 3% Prompt Repayment Incentive (PRI), resulting in an effective interest rate of just 4% per annum. RuPay KCC debit card for convenient ATM and PoS transactions. Credit line activated on KCC account and withdrawn via RuPay debit card or chequebook.
Step 7: If delayed or rejected
This step has not yet been confirmed from an official source. Please refer to the official portal or the concerned department.
Step 8: Grievance / appeal
Branch Manager, Bank Nodal Grievance Officer, and RBI Banking Ombudsman https://cms.rbi.org.in/

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Kisan Credit Card — KCC

Department of Financial Services, Ministry of Finance / Ministry of Agriculture and Farmers Welfare, Government of India

Last verified: 2026-10-22

How the process works

Step 1: Check eligibility

Individual or joint farmer-cultivators, tenant farmers, and allied animal husbandry / fishery farmers. Applicant must be an owner-cultivator, tenant farmer, sharecropper, or allied livestock/fishery farmer. Credit limit assessed based on cropping pattern, scale of finance, and landholding. Collateral-free credit limit up to ₹1,60,000 without hypothecation of crops. Credit facility valid for 5 years with annual review.

Step 2: Prepare documents

The official source lists the following documents.

Documents needed for this step

Completed standard one-page KCC application form.
Two passport-size photographs.
Aadhaar card copy.
Land ownership records (7/12, 8A in Gujarat) or registered tenancy deed.
Cropping pattern declaration.
Non-encumbrance certificate / search report (for limits exceeding collateral threshold).

Step 3: Apply

In-person at any public/private commercial bank, Regional Rural Bank (RRB), or Cooperative Bank branch. Step 1: Download simplified one-page KCC form or obtain it from local bank branch. Step 2: Fill personal, landholding, and cropping details. Step 3: Attach Aadhaar, 7/12 and 8A land records, and photographs. Step 4: Bank branch processes application within 14 days. Step 5: Sanction order issued and KCC RuPay card delivered to farmer.

Step 4: Verification

Scrutiny of land revenue records and credit check by financing bank.

Step 5: Sanction / decision

Decision authority, as stated by the official source: Branch Manager of financing commercial / cooperative bank.

Step 6: Benefit

Revolving cash credit limit based on scale of finance, operational land, and crop pattern. Base interest rate of 7% per annum on crop loans up to ₹3,00,000. Additional 3% Prompt Repayment Incentive (PRI), resulting in an effective interest rate of just 4% per annum. RuPay KCC debit card for convenient ATM and PoS transactions. Credit line activated on KCC account and withdrawn via RuPay debit card or chequebook.

Step 7: If delayed or rejected

This step has not yet been confirmed from an official source. Please refer to the official portal or the concerned department.

Step 8: Grievance / appeal

Branch Manager, Bank Nodal Grievance Officer, and RBI Banking Ombudsman https://cms.rbi.org.in/