Kisan Credit Card

Kisan Credit Card


To provide adequate financial support (cultivation expenses and other short & long term needs) to farmers. The Cultivation expenses include buying of seeds, equipments, fertilizers, pesticides, labour, transport etc. This helps farmers to increase their agricultural production.

Target Group

All farmers ( Owner / Tenant / Oral Lessees / Share Croppers / Self Help Group ).

Quantum of Finance

The amount of loan given to the farmer is on the basis of “how much agricultural land the farmer possess”

The Short-Term Loan Limit arrived for the fifth year plus the estimated long-term loan requirement will be the Maximum Permissible Limit (MPL) and is to be treated as the KCC Limit.

In case the cropping pattern adopted by the farmer is changed in subsequent year, the limit is also changed.

Rate of Interest

7% per annum for loan upto Rs. 3.00 lakh where 2%and 3% interest subvention is available.

Above 3 lakh upto 25 lakh ( MCLR+1.15 )%

Above 25 lakh upto 1 crore ( MCLR+2.15)%


Under this loan crops of the farmer are insured under PMFBY scheme ( Pradhan Mantri Fasal Bima Yojna ) which is mandatory. While personal accidental insurance, health insurance, asset insurance are optional at their own cost.


KCC is valid for 5 years subject to annual renewal.

How to get this Loan

If you are interested in this loan then contact bank nearest to home or Village. This scheme is available in all Nationalized banks.

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