Kisan Credit Card (KCC): A Boon for Indian Farmers


The Kisan Credit Card (KCC) is a scheme launched by the Indian government in 1998 to provide credit for farmers for various agricultural activities. It aims to:

  • Meet the short-term credit requirements for cultivation of crops.
  • Cover post-harvest expenses.
  • Provide for working capital for maintenance of farm assets and allied activities.
  • Facilitate investment credit requirement for agriculture and allied activities.

Benefits of KCC:

  • Simplified procedure: Easy application process with minimal documentation.
  • Flexible credit limit: The credit limit is based on the landholding and crop pattern and can be increased annually.
  • Lower interest rates: Concessional interest rates compared to other agricultural loans.
  • Repayment flexibility: Repayment is aligned with the harvest cycle, reducing burden on farmers.
  • Multiple uses: Can be used for various agricultural needs like buying seeds, fertilizers, pesticides, and even for household expenses.
  • Additional benefits: Some banks offer insurance cover and other benefits to KCC holders.

Eligibility for KCC:

  • All individual farmers, joint borrowers (husband and wife), and tenant farmers cultivating land for at least one season are eligible.
  • Minimum landholding is not mandatory.

Steps to Apply for KCC:

  1. Contact your nearest bank branch: All commercial banks, Regional Rural Banks, Cooperative Banks, and Microfinance Institutions issue KCCs.
  2. Fill the application form: The form is available at the bank branch or online.
  3. Submit required documents: These typically include landownership documents, proof of identity, and address proof.
  4. Bank verification: Bank officials will visit your landholding for verification.
  5. Card issuance: Upon approval, you will receive your KCC.

Links to Apply:

Additional Information:

  • The validity of a KCC is five years, with the credit limit reviewed annually.
  • Some banks offer RuPay KCCs, which can be used for cashless transactions.
  • For more information on KCC, you can visit the NABARD website or contact your nearest bank branch.

I hope this information helps! If you have any further questions about the KCC scheme, feel free to ask.

Please note: The specific eligibility criteria, interest rates, and application procedures may vary slightly between banks. It is always best to check with your bank for the latest information.

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