Who Is Eligible for a Kisan Credit Card (KCC)? Here's How to Apply

The Kisan Credit Card (KCC) is a government-backed initiative aimed at providing easy and affordable loans to farmers for agricultural activities. Launched by the Government of India, this scheme empowers farmers to meet their crop production and related financial needs with minimal paperwork and low-interest rates.

🌾 What Is the Kisan Credit Card Scheme?

The Union Cabinet has increased the credit limit under the Kisan Credit Card scheme to ₹5 lakh. This limit is divided as:

• ₹3 lakh for crop production

• ₹2 lakh for allied agricultural activities such as dairy, poultry, etc.

The interest rate on the KCC loan is around 7%, but farmers can get up to:

• 1.5% subsidy from the government

• An additional 3% interest rebate for timely repayment
  So, the effective interest rate can be as low as 4% for eligible and disciplined borrowers.

👩‍🌾 Who Can Apply for a Kisan Credit Card?

You are eligible for a KCC if you fall into any of the following categories:

✅ Farmers engaged in own or leased farming
✅ Individuals involved in agri-related activities like dairy, horticulture, fisheries, etc.
✅ Self-Help Groups (SHGs)
✅ Joint Liability Groups (JLGs)

📋 Documents Required for KCC Application

To apply for a Kisan Credit Card, keep the following documents ready:

• ID proof: Aadhaar card, PAN card, Voter ID, Driving License

• Address proof

• Income certificate

• Last 3 months' bank statement

🏦 How to Apply for a Kisan Credit Card?

You can apply for a KCC through both offline and online methods:

🖊️ Offline Method:

Visit your nearest bank branch, ask for the KCC application form, and submit it with the required documents.

💻 Online Method:

You can also apply via:

• The official PM-Kisan portal: https://pmkisan.gov.in

• Your bank’s official website

Once approved, the card will be issued and the loan limit granted based on your landholding and credit history.

📝 Summary of Benefits

Feature	Details
Maximum Loan Limit	₹5 lakh
Interest Rate	7% (Effective ~4% after rebates)
Repayment Benefit	3% rebate for timely payment
Eligibility	Farmers, SHGs, JLGs, Agri-entrepreneurs
Application Mode	Offline & Online