The Kisan Credit Card (KCC) gives farmers timely, low-cost short-term credit for crop cultivation and allied activities, with a flexible revolving limit.
Apply and check status free on the official Government of India portal.
Benefits
- Short-term crop loan at a subsidised interest rate (as low as ~4% with prompt repayment)
- Credit limit up to ₹3 lakh; covers cultivation, post-harvest and allied needs
- Flexible withdrawal and repayment aligned to the crop cycle
- Built-in insurance cover for the cardholder
Eligibility
- Farmers — individual or joint cultivators, owner or tenant
- Self-Help Groups and Joint Liability Groups of farmers
Documents required
- Aadhaar & PAN
- Land records / proof of cultivation
- Bank account details
- Passport-size photographs
How to apply
- Approach your bank or apply via the PM Kisan portal’s KCC link.
- Fill the KCC application with land and bank details.
- Submit documents and collect your Kisan Credit Card after approval.
Helpline
155261 / 1800-180-1111
FAQs
What is the interest rate on a Kisan Credit Card?
Short-term crop loans up to ₹3 lakh can be as low as around 4% per year with interest subvention and prompt repayment.
Who can get a Kisan Credit Card?
All farmers — owner cultivators, tenant farmers, SHGs and JLGs engaged in agriculture and allied activities.