Empowering Farmers
Cultivate
Success With
Kisan Credit Card (KCC)
Access timely, hassle-free credit for your agricultural needs. KCC provides farmers with flexible, short-term credit to meet crop cultivation expenses and working capital requirements at highly subsidized rates.
Explore Benefits
Why choose
our KCC Loan?
A lifeline for farmers, ensuring you never have to compromise on crop quality or harvesting cycles.
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Provides timely and adequate credit for crop cultivation.
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Covers post-harvest expenses.
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Covers marketing of agricultural produce.
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Covers eligible consumption requirements.
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Provides working capital for farm assets.
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Covers eligible allied agricultural activities.
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Investment credit can be included as per applicable norms.
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Short-term component is operated as a revolving cash-credit facility.
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Drawing limit is based on cropping pattern and Scale of Finance.
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Year-wise drawing limit is provided as per applicable assessment.
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Nil margin under the scheme.
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All Farmers (Individuals, Joint Borrowers) who are owner cultivators.
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Tenant Farmers, Oral Lessees, and universally recognized Sharecroppers.
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Self Help Groups (SHGs) or Joint Liability Groups (JLGs) spanning farmers.
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Interest rate is determined in alignment with NABARD guidelines and the Bank's current policies.
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Applicable processing fees or other charges are as per Bank norms.
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Duly completed application form.
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Passport-size photographs.
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Identity proof (Aadhaar, Voter ID, PAN, etc.).
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Address proof.
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Land ownership records and cropping details.
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Any other document required by the Bank.
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PMFBY coverage is applicable for notified crops, subject to prevailing provisions.
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Farmer may opt out where permitted under applicable PMFBY provisions.
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RuPay KCC card is issued as applicable.
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Farm proceeds should be routed through the KCC account.
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Annual review is applicable.
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Enhancement may be considered based on crop declaration and repayment conduct.
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NPA classification follows applicable crop-season norms.