Kisan Credit Card (KCC) Scheme

Low-interest, revolving credit for farmers to meet cultivation, post-harvest, and other agricultural expenses.

Government Scheme

Quick Information

Category: Government Scheme
Department: Department of Agriculture and Farmers Welfare, Ministry of Agriculture and Farmers Welfare
Government Level: Central Government
Official Portal: www.jansamarth.in
Last Verified: 2026-09-06

Overview

The Kisan Credit Card Scheme provides farmers with a simple, single-document facility to access short-term credit for crop cultivation and related agricultural needs. First, eligible farmers receive loans from banks at subsidized interest rates with additional subvention for timely repayments. Consequently, this initiative replaces multiple loan applications throughout the farming season and offers hassle-free financial support. For official guidelines and loan details, you can visit the NABARD Official Portal.

Important Information

Eligibility & Benefits

Eligibility: Individual or joint farmers, tenant farmers, oral lessees, and sharecroppers who own or cultivate agricultural land and are engaged in farming, animal husbandry, or fisheries.
Benefits: A RuPay-enabled credit card with a loan limit up to ₹5 lakh (raised from ₹3 lakh in the 2025-26 Union Budget) at an effective interest rate of about 4% per annum on timely repayment, after interest subvention.
Required documents: Aadhaar card, land ownership/cultivation records, bank account, passport-size photograph.

How to Apply

Application process: Apply through any participating bank branch, or via the PM-KISAN portal (pmkisan.gov.in) if already a PM-KISAN beneficiary, using the single-page KCC application form.

Official Source

Department of Agriculture and Farmers Welfare, Ministry of Agriculture and Farmers Welfare

Visit Official Website / Apply

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Source: Press Information Bureau — Kisan Credit Card Factsheet

Last verified: 2026-09-06

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