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। प्राधिकरण: Ministry of Finance • राज्य/क्षेत्र: Central Scheme (All India) • अंतिम बार ऑडिट किया गया: 10 Sep 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 |
| Occupation Status | किसान |
| 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
All land‑owning cultivators, tenant farmers, sharecroppers and self‑help groups aged 18 years or above, engaged in farming or allied activities such as dairy, fisheries or poultry, irrespective of caste, gender or disability, are eligible.
Applicants must submit identity proof (Aadhaar/PAN/Voter ID), address proof, land ownership/tenancy documents, and a latest crop plan or activity proposal.
The credit limit is based on the farmer’s cropping pattern, landholding size, and assessed repayment capacity, with a maximum of ₹3 lakhs per farmer.
Beneficiaries receive an interest subvention that brings the effective rate down to approximately 4 % per annum, provided loan instalments are repaid on time.
Yes. Many banks offer online KCC application through their internet banking portals; alternatively, applicants may visit a branch for offline submission.