KCC (Kisan Credit Card)

The Kisan Credit Card (KCC) is a revolving credit facility that gives farmers timely access to short-term credit for crop cultivation and allied agricultural needs, operated like a multi-purpose account rather than a one-time loan — the sanctioned limit grows automatically each year as long as the card is renewed.

Features

• Available to individual/joint farmer landowners, tenant farmers, oral lessees, and members of Self-Help Groups (SHGs) or Joint Liability Groups (JLGs).
• Year 1 limit is based on the proposed cropping pattern and applicable finance norms; the limit increases by 10% each year through years 2–4.
• By year 5, the limit is approximately 150% of the year-1 limit — this Maximum Permitted Limit (MPL) becomes the authorized KCC limit.
• Includes provision for small farm-equipment investment (e.g. sprayers, ploughs), repayable within one year.
• ATM-cum-debit card (Kisan Debit Card) issued for withdrawals at ATMs and POS terminals.
• Operates as a multi-purpose account — deposit balances earn interest like a savings account.
• No processing charges on amounts up to ₹3 lakh.
• Collateral-free up to ₹1 lakh; up to ₹3 lakh may be considered with a group-guarantee arrangement.
• Eligible crops are covered under the National Agricultural Insurance Scheme (NAIS).
• Requires annual renewal to remain continuously available over its 5-year term.
• Repayment is aligned to the crop cycle: Kharif (single crop) by 31 January, Rabi (single crop) by 31 July, multiple-crop accounts by 31 July, and long-duration/perennial crops within 12 months of first disbursement.

Eligibility

• Individual or joint farmer-borrowers who own agricultural land.
• Tenant farmers, oral lessees and sharecroppers.
• Self-Help Groups (SHGs) or Joint Liability Groups (JLGs) of farmers, including tenant farmers.

How to Apply

• Contact any branch handling agricultural advances, or your village-level marketing officer / field officer.
• Application forms are available at the branch.