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Kisan Credit Card (KCC) Scheme: 2026 Guide to Eligibility & Application

Comprehensive guide to Kisan Credit Card (KCC) Scheme. Review benefits, eligibility matrix, application procedure, and official documents.

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Official Guide and Eligibility Framework for Kisan Credit Card (KCC) Scheme — Agricultural farmland and rural farmer income support welfare program
🇮🇳India
Government Scheme
Verified Editorial Visual
Editorial overview visual for Kisan Credit Card (KCC) Scheme. Verified against official sovereign gazette rules.Source: Civic Benefits Media Repository • EDITORIAL_VERIFIED

KCC Program Summary

About KCC

The Kisan Credit Card (KCC) scheme was introduced in 1998 by RBI and NABARD to provide adequate and timely credit to farmers under a single window with flexible and simplified procedures for their cultivation and other needs including purchase of inputs. Interest Subvention Benefit Under the Interest Subvention Scheme: - The standard lending rate for short-term agriculture loans is 9%. - The Government of India provides an upfront 2% interest subvention, reducing the rate to 7%. - Farmers who make prompt repayment receive an additional 3% Prompt Repayment Incentive (PRI), bringing the **effective interest rate down to just 4% per annum**. - Collateral-free loan limit stands at ₹1.60 Lakh (extended up to ₹2 Lakh for tie-up arrangements). Administered under statutory authority by NABARD & Reserve Bank of India, Kisan Credit Card (KCC) Scheme is designed to safeguard eligible families, low-income workers, and qualifying citizens from economic hardship while promoting wellbeing and development.

Program Benefits & Allotments

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Benefit ProvisionCategoryFrequencyStatutory AllotmentConditions & Limits
Low-Interest Short-Term Agricultural CreditloanrevolvingUp to ₹3,00,000Government Welfare Grant
Collateral-Free Loan up to ₹1.60 Lakhloanone-timeUp to ₹1,60,000Government Welfare Grant

Eligibility Matrix

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FactorRule / RequirementThresholdStatusAuthoritative Source
farmerfarmer must satisfy: trueVerifiedMandatoryVerified Government Assessment
ageage must satisfy: 18VerifiedMandatoryVerified Government Assessment

How to Apply

1

Obtain One-Page KCC Form

Download standard KCC form from pmkisan.gov.in or obtain from nearest commercial/rural bank branch.

2

Fill Land and Crop Details

Enter acreage, crops grown, and PM-KISAN beneficiary registration ID.

3

Submit at Bank Branch or CSC

Submit documents to your local bank branch; banks are mandated to process KCC applications within 14 days.

4

Card Activation

Receive Rupay KCC card for ATM withdrawals and PoS farm equipment purchases.

Apply on Official Government Portal

Required Documents

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* Note: The readiness meter indicates document organization completeness and does not guarantee official approval.

Frequently Asked Questions About KCC

Yes, the KCC facility has been extended to animal husbandry, dairy, and fisheries farmers with a separate credit limit of up to ₹2 Lakh at the same 4% effective interest rate.
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