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How to Apply for Kisan Credit Card (KCC) - Up to ₹3 Lakh Loan

Apply for KCC at any bank to get crop loan up to ₹3 lakh at 4% interest (after subvention). Linked with PM-KISAN.

📁 Agriculture ⏱️ 20-30 mins 💰 Free Application

About This Guide

Kisan Credit Card (KCC) is a credit scheme to provide farmers with timely access to credit for cultivation, farming needs, allied activities, and consumption needs. Launched in 1998, simplified through KCC Saturation Drive in 2020. Loan limit: Up to ₹3 lakh at concessional 4% interest (7% normal - 3% prompt repayment incentive). Above ₹3 lakh, regular agricultural loan rates apply. Now covers fisheries, dairy, animal husbandry. PM-KISAN beneficiaries automatically eligible. Over 7 crore active KCC accounts. Card features cash withdrawal, swipe at POS, online transactions for agri purchases.

Eligibility Criteria

Indian citizen owning agricultural land
Tenant farmers, oral lessees, sharecroppers also eligible
Self-help groups (SHG) and Joint Liability Groups (JLG) of farmers
PM-KISAN beneficiaries auto-eligible (simplified application)
Allied activities: dairy, fisheries, poultry, beekeeping, sericulture
Age: 18-75 years (some banks 60-65 max)
Good credit history (no major defaults)

Documents Required

Keep these documents ready before starting application. Missing documents = delayed approval.

Aadhaar card
PAN card
Land documents (Khasra/Khatauni/Patta/RoR)
Address proof (Aadhaar/Voter ID/Driving License)
Identity proof (Aadhaar, Voter ID)
2 passport photographs
Bank account details
PM-KISAN ID (if registered, simplifies process)
Income proof (last 2 years harvesting record)
Crop calendar (when which crops grown)
Tenancy agreement (for tenant farmers)

Step-by-Step Application Process

Follow these steps in order. Each step is critical - skip none.

Visit Bank Branch

Approach nearest bank branch where you have account or willing to open one. KCC available at all banks - SBI, PNB, BOB, Canara, RRBs, cooperatives. Public sector banks have most outreach.

Get KCC Application Form

Ask for KCC application form. Most banks have separate forms for: Fresh KCC, Renewal/Enhancement, Allied activities. PM-KISAN beneficiaries: ask for "Simplified KCC Form" (3 pages instead of 9).

PM-KISAN Verification

If PM-KISAN beneficiary, mention this on form. Bank verifies via PM-KISAN database. Application processed in 14 days under PM-KISAN saturation drive. Without PM-KISAN: regular 30-day process.

Fill Personal and Land Details

Personal: Name, DOB, Aadhaar, PAN, address, mobile. Land: Survey number, area in acres/hectares, ownership type (own/leased/sharecropper), villages, district.

Crop Pattern and Loan Amount

List crops grown by season (Kharif/Rabi/Zaid). Major crops, expected production. Loan amount needed - based on land × scale of finance per crop. Bank calculates max eligibility.

Allied Activities

If having dairy/fisheries/poultry, mention details. Each activity has separate scale of finance. KCC limit can include allied activities too. ₹2 lakh sub-limit for allied activities.

Attach Documents

Self-attested photocopies of: Aadhaar, PAN, land documents (Khasra/Khatauni - 7-year extract), address proof, photographs, bank statement. Originals shown for verification.

Submit Form to Bank

Submit at agricultural section of bank. Get acknowledgment receipt with reference number. PM-KISAN beneficiaries: ensure "PM-KISAN" stamped on receipt.

Bank Verification

Bank officer may visit your land for verification. Confirms ownership, crops, infrastructure. Gather neighbors as witnesses. Be courteous and cooperative.

Approval and KCC Issuance

Bank approves limit based on land × scale of finance. Loan amount ₹50K-3L common (limit goes up to ₹10L for large farmers). Receive KCC card (RuPay debit-like card) + passbook. Sanction letter shows credit limit.

Activate and Use

Card activated within 1-2 days. Use for: ATM withdrawal, POS swipe at agri input shops (seeds, fertilizers, pesticides), cheque book for large purchases. Keep PIN safe.

Repay After Harvest

Repay within 12 months (15 months for some crops). Pay before due date for 3% interest subsidy (reducing rate from 7% to 4%). Default damages credit + future loans difficult.

Key Benefits

Quick credit up to ₹3 lakh at concessional 4% interest
Cash withdrawal anytime at ATM
Swipe card at agri input shops
Cheque book for larger purchases
Insurance: ₹50,000 personal accident, ₹25,000 disability included
No collateral up to ₹1.6 lakh
Allied activities (dairy, fisheries) covered
Easy renewal with prompt repayment

What Happens After Application?

Use KCC for agricultural inputs (seeds, fertilizers, pesticides), labor wages, equipment fuel, electricity for pump, allied activities. Repay before due date (post-harvest) for interest subvention. Card valid 5 years - renew before expiry. Don't use for non-agricultural purposes (loan diversion = recall by bank). Maintain books showing how loan used. Multiple KCCs not allowed - one per family. Crop insurance via PMFBY automatic with KCC.

Frequently Asked Questions

I don't have land documents - can I get KCC?

Tenant farmers, oral lessees, sharecroppers also eligible. Need: Tenancy agreement OR village panchayat/Patwari certificate stating you cultivate that land. Also Self-Help Group/Joint Liability Group route available.

Interest rate for KCC?

Without prompt repayment: 7% per annum. With prompt repayment (within due date): 3% subsidy = effective 4%. For loans above ₹3 lakh: regular agricultural loan rates (8-10%) apply.

KCC limit calculation?

Bank calculates: Land area × Scale of Finance per crop. Each crop has scale of finance set by district committee. Allied activities have separate scale. Total = Crop loan + Allied + Term loan + Consumption need (10%).

KCC for dairy/fisheries only?

Yes, KCC for allied activities even without crop cultivation. Dairy, fisheries, poultry, beekeeping, sericulture eligible. Limit set per activity scale of finance.

KCC suspended - what to do?

KCC suspended for: non-repayment, loan diversion, fraudulent claims. Pay outstanding immediately + penalty. Bank may reactivate or issue fresh KCC after 1 year of regular repayment.

How to Apply for Kisan Credit Card (KCC) - Up to ₹3 Lakh Loan

About This Guide

Eligibility Criteria

Documents Required

Step-by-Step Application Process

Key Benefits

What Happens After Application?

Frequently Asked Questions

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