Kisan Credit Card (KCC) Scheme – Short‑Term Agricultural Credit Facility
यह प्रोफ़ाइल स्वतंत्र रूप से आधिकारिक राजपत्र अधिसूचनाओं और सत्यापित वेब डोमेन से संकलित की गई है। स्रोत प्राधिकरण लिंक: myscheme.gov.in प्राधिकरण: Ministry of Finance • राज्य/क्षेत्र: Central Scheme (All India) • अंतिम बार ऑडिट किया गया: 26 Oct 2026
त्वरित एआई सारांश
The Kisan Credit Card Scheme provides timely, collateral‑free short‑term credit to farmers for cultivation, post‑harvest expenses, and allied activities such as dairy, fisheries and poultry.
विस्तृत सारांश
Objective
The Kisan Credit Card (KCC) scheme is a credit facility extended by commercial banks, cooperative banks and Regional Rural Banks (RRBs) to meet the comprehensive credit requirements of the agriculture sector, including crop production, post‑harvest management, dairy, fisheries and allied activities.
Scope
The scheme is applicable to all eligible cultivators across India, irrespective of landholding size. Credit limits are determined based on the farmer’s cropping pattern, landholding, and repayment capacity.
Interest Subvention
Beneficiaries receive an interest subvention that reduces the effective rate to approximately 4 % per annum, subject to prompt repayment of loan instalments.
Implementation Agency
Implementation is overseen by the Ministry of Agriculture & Farmers' Welfare in coordination with the Reserve Bank of India and NABARD.
प्रमुख लाभ और वित्तीय सहायता
| तुलना मानदंड | लाभ |
|---|---|
| प्रमुख लाभ |
|
पात्रता मानदंड प्रोफ़ाइल
| तुलना मानदंड | पात्रता |
|---|---|
| Minimum Age Limit | 18 Years or above |
| Physical Disability | Not Restricted (Anyone can apply) |
| Domicile State | All India (Central Scheme) |
आवेदन प्रक्रिया मार्गदर्शिका
- Obtain the KCC application form from the nearest commercial bank, cooperative bank or RRB.
- Submit the duly filled form with identity proof, address proof, land records and latest crop plan.
- Bank conducts credit appraisal and may request additional documents.
- Upon approval, the KCC is issued with a unique card number and credit limit.
- Disbursement is made directly to the farmer’s account linked to the card.
इस योजना के बारे में अक्सर पूछे जाने वाले प्रश्न
Eligible permanent residents meeting the specified domicile, income, and category criteria can submit an application along with verified credentials.
Key mandatory documents include Aadhaar Card, Residence/Domicile Certificate, Income Certificate, and active Bank Account Passbook.
Benefits are directly credited to the beneficiary's Aadhaar-seeded bank account through the Public Financial Management System (PFMS) / DBT.
Applicants can track status in real-time by logging into the official portal using their Application Reference Number.