Kisan Credit Card 2024 Benefits, Eligibility, Apply Online

Sarkar Yojana Team
21 Min Read

Our India is an agricultural country, farmers have the biggest contribution in the development and progress of the country. The government is running many schemes for the farmers. Keeping this in mind, the Central Government has started the Kisan Credit Card Scheme. The scheme was started in 1998 by the central government in collaboration with the Reserve Bank of India and NABARD. Under this scheme, farmers can get loans at very cheap rates by mortgaging their agricultural land / land in the bank. You can also use this loan to increase your crop production.

Today, through this article, we are going to provide you all the important information related to Kisan Credit Card Scheme, such as what is Kisan Credit Card Scheme, its benefits, features, eligibility, important documents and its application process, etc. So friends, if you want to get complete information related to Kisan Credit Card Yojana, then definitely read this article till the end.

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Kisan Credit Card (KCC)

Yojana NameKisan Credit Card (KCC)
Started ByCentral Government Scheme
Start DateYear – 1998
ObjectiveProviding loans in fear of low interest
BeneficialFarmers of India
How much loan is given?Up to Rs 3 lakh
Interest Rate7% (up to Rs.3 lakh)
Official Website

Kisan Credit Card Yojana

Kisan Credit Card (KCC) scheme is a government initiative in India. Leading credit delivery system for providing adequate and timely credit to farmers. Through this, they will be given a loan of 1 lakh 60 thousand. Through this loan, the farmers of the country will be able to take better care of their farming, along with this they can also increase their income. Recently, animal rearers and fishermen have also been included under the Kisan Credit Card Scheme.

Apply Online Kisan Credit Card

Small and marginal farmers will be benefited the most, who can easily take loan at only 7% interest rate. Along with this, if you deposit your loan within one year, then you are also given an additional 3% discount in it. If you also want to get a credit card under Kisan Credit Card Yojana, then you have to register by visiting the official website.

Objective and Benefits of Kisan Credit Card

Kisan Credit Card (KCC) is a special type of credit card, which was specially launched to provide credit facilities to farmers at affordable rates. The primary objective of the Kisan Credit Card is to meet the short-term credit requirements of agricultural farmers. With which farmers can easily supply seeds, fertilizers, pesticides and other essential agricultural supplies.

Some of the major objectives and benefits of Kisan Credit Card are as follows.

Access to timely credit

KCC enables farmers to get timely and adequate credit. With this, one does not have to go to any moneylender to take a loan. In this way, farmers can complete all their agricultural works in time.

Flexibility in credit utilization

The credit limit provided through Kisan Credit Card can be used for various purposes including crop production, post-harvest expenses, marketing of produce, working capital for agriculture and allied activities and other agricultural requirements.

Simplified processing

Many documents are required to take a loan. Whereas KCC simplifies the documentation and loan application process while reducing the administrative burden on the farmers. In this way it becomes very easy for the farmers to apply.

Low-interest rates

Kisan Credit Card offers loans at very low interest rates as compared to conventional agriculture loans. This reduces the cost of borrowing for farmers, making loans more affordable. Especially for the farmers, who get money after the crop is sold. Then they can easily repay their loacn.

Credit insurance coverage

KCCs often also include an underlying insurance component. In which if the crop of the farmer is damaged, the borrower is also provided coverage by the central government for unforeseen events like crop failure, accident or death. This insurance coverage provides a safety net for the farmers and their families.

Revolving credit facility

Kisan Credit Card comes with revolving credit facility. With this, farmers are allowed to withdraw and repay money within the loan limit multiple times during the tenure. Farmers get maximum benefit from this.

Kisan Credit Card aims to facilitate farmers by meeting their credit needs, empowering them with financial stability and facilitating smooth conduct of agricultural activities.

Banks covered under Kisan Credit Card Scheme

Kisan Credit Card (KCC) scheme is a very charitable initiative started by India. Under this scheme, farmers get access to credit facilities at affordable rates for the purchase of agricultural inputs, such as seeds, fertilizers, pesticides, and other expenses related to crop production and farming. For this, the central government has included many banks from where loans can be taken.

The KCC scheme is implemented by various banks in India, which include.

  • State Bank of India (SBI)
  • Punjab National Bank (PNB)
  • Bank of Baroda (BOB)
  • Canara Bank
  • Union Bank of India
  • Bank of India
  • HDFC Bank
  • ICICI Bank
  • Axis Bank
  • Indian Overseas Bank

Please note that the above list is not exhaustive, many other nationalized banks, regional rural banks and cooperative banks also provide the benefits of Kisan Credit Card Scheme. To take advantage of the scheme, you can apply by visiting the nearest branch of any bank.

Reasons for starting the Kisan Credit Card scheme

In earlier times, farmers had to take loans to buy items related to their crops, whose interest rate was very high. Because of which the farmers could not progress. Keeping this in mind, the Government of India along with RBI (Reserve Bank of India) started Kisan Credit Card.

With this, whenever the farmer needs money, he can take a loan through credit card. The special thing is that a lot of work has to be done to pay interest on the money taken as compared to bank or moneylender. This saves a lot of money of the farmers. Initially this scheme was started in some districts of the country, later it was implemented in the whole country in view of its success.

Features of Kisan Credit Card

There are many benefits and features in this plan, which makes it special. All farmers of India can take advantage of this scheme.

  1. To get this benefit they have to submit the form in the bank.
  2. The beneficiaries of the scheme are also provided with the benefits of the Kisan Credit Card Scheme.
  3. Credit cards are being given to all the farmers under the Atmanirbhar Bharat Yojana.
  4. Through these credit cards, loans are made available to the farmers easily and at low interest.
  5. The validity of Kisan Credit Card is 5 years.
  6. You can increase the limit of your card through KCC form.
  7. A subsidy of 2% is provided by the government on this interest. That is, farmers will be provided loans at only 7% interest.
  8. If the farmer repays the loan on time. So he is given an additional discount of 3%. That is, in this situation the farmer will have to pay only 4% interest.

How much land is required for Kisan Card

To avail the benefits of Kisan Credit Card (KCC), it is very important for the farmers to have the required land. May vary depending on the policies and guidelines laid down by the bank or financial institution. In general, to be eligible for a Kisan Credit Card, farmers must have a minimum land size.

Many banks in India require a minimum operational land of 1 acre or more to be eligible for a Kisan Credit Card. It is important to note, however, that this is only a general guideline, and the actual land requirement may differ between banks.

To get accurate and updated information regarding the requirement of land for Kisan Credit Card, one can contact the notification issued by the government or the financial institution. They will provide you with the specific criteria and requirements for eligibility, including minimum holding size.

New interest rate of Kisan Credit Card Yojana

The Kisan Credit Card scheme was started in the year 1998. Due to Corona infection, a new interest rate was announced by the Central Government for the farmers. Under a special drive, PM Narendra Modi has distributed Kisan Credit Cards to more than 25 lakh beneficiaries from Chitrakoot district of Uttar Pradesh. For this, people applied for loacn through more than 2 thousand bank branches. According to the new interest rate, now farmers will have to pay only 7% interest rate annually.

If the beneficiary repays his loan in full within 1 year, then the beneficiary will get a rebate of 3% in the interest rate and 2% subsidy will be given by the government. Which means if the farmer has taken a loan of 3 lakhs, then he will have to pay only 2 percent interest. Which is very less compared to the bank.

Credit Card (KCC) Loan

If you also want to take loan in Kisan Credit Card scheme. So first of all you have to contact your nearest bank. After which Aadhaar card, pan card and agricultural land documents like Khasra, Khatauni and share certificate will have to be taken to the bank. Banks will check your CIBIL report before giving loan. You will get loan from the bank only if the CIBIL report (credit report) is correct.

Before giving loan to anyone, the bank gets all your documents verified from Tehsil by its advocates (lawyers). The bank’s lawyer verifies the 12-year record of agricultural land and prepares his report and gives it to the bank. After which there is no problem in getting loan. On completion of all these types of documents, the bank will open your KCC loan account. Once the loan limit is fixed, you can deposit and withdraw anytime for five years. Your agricultural land can be mortgaged by the bank.

Required documents for Kisan Credit Card

To apply for Kisan Credit Card (KCC) in India, it is very important to have some important documents. Whose list is being shared with you below. Whenever you fill the application form, then describe all your information to everyone, because of this there will be no danger of the form being rejected.

Identity proof – Submit any of the following identity proof documents.

  • Aadhar card
  • Voter ID Card
  • Passport
  • driving license
  • Pan Card

Address proof – Provide any of the following address proof documents.

  • Aadhar card
  • Voter ID Card
  • Passport
  • Utility Bills (Electricity Bill, Water Bill, etc.)
  • Bank statement
  • ration card

Land ownership proof – Submit documents that establish your ownership of agricultural land. These may include.

  • land title records
  • land purchase agreement
  • tax receipts for agricultural land
  • lease or lease agreement

Income proof – Show proof of your agricultural income through documents like-

  • land revenue records
  • bank details
  • Income certificate issued by the competent authority

Photographs – Attach recent passport size photographs of the applicant(s) to the application form.

Crop documents – Provide details of the crops you are cultivating, including the types of crops, land area and expected yield. Knowing this information is very important in assessing your credit worthiness.

The bank or financial institution you approach for the Kisan Credit Card. The specific document requirements may vary slightly depending on that. Therefore, you can get more information from your bank. It is advised to contact the concerned bank or visit their official website to get the exact information about the documents required for Kisan Credit Card application.

Apply offline in Kisan Credit Card Scheme

All leaf farmers can apply for this scheme. You can follow these steps to apply offline for Kisan Credit Card (KCC) scheme.

If you want to take advantage of the Kisan card, first open your savings or current account. According to your choice, you can open an account in a nationalized bank, cooperative bank or regional rural bank.

After that go to the bank and get the application form. Fill all the information in this form correctly. Make sure to provide information about your identity, address, land holding, crops to be cultivated, estimated expenses, etc. Along with this you have to submit all the documents along with the application form. Also attach necessary documents like land title papers, income proof, identity proof and photograph.

Once you have completed the application form. So submit it to the bank, after that the bank staff will verify your application and documents. If your application meets the required criteria. Then the bank will process your request for Kisan Credit Card.

Before using a Kisan Credit Card, it is important to thoroughly understand the terms and conditions associated with it, including interest rates, repayment schedules and any applicable fees or charges. It is important to always maintain a good credit score and make timely repayments.

The process of applying and the required documents may differ from bank to bank. You can contact the bank for more information about this. Along with this, definitely read the official notification of Yojana.

How to apply Kisan Credit Card online

The online application process for Kisan Credit Card (KCC) scheme may differ depending on the specific bank or financial institution providing the facility. However, I can give you a general outline of the steps involved.

  • To apply online for Kisan Credit Card Scheme, visit the official website of the bank or the government-designated portal for agricultural loans.
  • Then look for the section “Kisan Credit Card” and search for the online application form.
  • Click on the “Apply Now” or “Apply Online” button to start the process.
  • Fill all your information correctly in the online form. Along with the form, upload scanned copies of supporting documents like land title papers, income proof, identity proof and photograph. Be sure to follow the instructions provided with it.
  • If your application is approved, the bank will contact you regarding the issuance of the Kisan Credit Card and the specified credit limit. They can contact you by email, phone or at the address provided.

Please note that for the most up-to-date and accurate information on how to apply, visit the official website of the bank or contact their customer support.

Limit Enhancement/Activation Process

If you want to activate your Kisan Credit Card or increase your limit, then you can follow the steps mentioned below. You have to follow these simple steps.

Contact the bank – If you are having trouble activating your Kisan credit card, then contact the bank from where you have taken your credit card. With this you can also contact the bank’s customer care number.

Credit assessment – The bank will evaluate the information provided by you and review your agricultural operations. Along with this will consider factors like your income stability, cropping pattern and viability of your farming activities.

Card issuance or reactivation – Once the necessary documents and all the process are completed, you will be issued a new Kisan Credit Card with the increased limit. Many people do not use it because of which it gets deactivated. If you want to activate it again, then contact the bank.


What is the limit of KCC credit card?

KCC limit up to Rs. 1.60 lakh and up to Rs.3.00 lakhs.

Can I withdraw money from KCC account?

Yes, you can withdraw money from a kisan credit card.

In this article, we told you in detail about Kisan Credit card Yojana, how to apply for it, document, eligiligiy. Hope that you too can increase your income by taking advantage of this scheme. Only farmers will get the benefit of this scheme. Hope this article will help you.

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