Kisan Credit Card (KCC)

The Kisan Credit Card (KCC) gives farmers, fish farmers and livestock farmers a crop loan from the bank at low interest: 7% a year, which comes down to 4% if you repay on time. Loans up to ₹2 lakh need no collateral.

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What is the Kisan Credit Card?

The KCC is a credit card and loan account from banks for farmers' short-term needs: seeds, fertiliser, pesticides, labour and post-harvest costs, plus some household needs. Since 2018-19 it also covers animal husbandry (dairy, poultry, goats) and fisheries. You get a RuPay card and can withdraw as needed up to your limit.

Interest and limits

• Under the government's Modified Interest Subvention Scheme (MISS), short-term loans up to ₹3 lakh are given at 7% interest.
• If you repay on time, you get a 3% prompt repayment incentive, so the effective interest is 4%.
• For animal husbandry and fisheries, the subsidised interest applies up to ₹2 lakh.
• The Union Budget 2025-26 announced raising the MISS limit from ₹3 lakh to ₹5 lakh. Ask your bank how much of your loan currently gets the subsidised rate.
• From 1 January 2025, banks can give farm loans up to ₹2 lakh without collateral (no land mortgage or guarantor).

Who can get a KCC?

• Farmers who own land, and also tenant farmers, oral lessees and sharecroppers.
• Self-help groups and joint liability groups of farmers.
• Fish farmers, fishermen and livestock / poultry farmers.
• PM-KISAN beneficiaries can get a KCC more easily, as banks hold special KCC drives for them.

Documents usually needed

• KCC application form (from the bank or PM-KISAN portal)
• Aadhaar and a photo
• Land records (pattadar passbook / 1-B / Adangal) or tenancy agreement / CCRC (AP) for tenants
• Crop details, or details of animals / fish ponds for allied activities

How to apply

1. Visit your bank branch (public, private, regional rural or cooperative bank), or download the KCC form from the PM-KISAN portal.
2. Submit the form with your documents. Banks are expected to decide within about 14 days.
3. The bank fixes your limit based on your crops and land, and gives you a RuPay KCC. The card is valid for 5 years and is reviewed every year.
4. Repay on or before the due date to get the 4% rate and keep your limit active.

Crops financed through a KCC loan are covered under PM Fasal Bima Yojana where the state runs it, unless you opt out.

Frequently asked questions

Sources

• PIB: Cabinet approves continuation of MISS for 2025-26 (28 May 2025)
• The Tribune: KCC interest subvention limit to be raised to ₹5 lakh (Budget 2025-26)
• PM-KISAN portal: KCC form