Kisan Credit Card (KCC)

किसान क्रेडिट कार्ड

BenefitUp to ₹5 lakh, interest just 4%

Who is eligibleCrop farmers, animal-rearers & fishers

Ministry / Dept.Ministry of Agriculture / NABARD

Last dateOpen / ongoing

What is the scheme?

Kisan Credit Card gives farmers cheap revolving credit for farming — effective interest of just 4% per year on timely repayment.

Key Benefits

Short-term crop loan limit up to ₹5 lakh
Effective 4% interest on timely repayment
Collateral-free up to ₹2 lakh
Card valid 5 years
Linked to PMFBY & accident insurance

Eligibility (Who can apply?)

Owner/joint landholding farmers
Tenant & lease farmers
SHGs, animal-husbandry & fishery farmers

Documents Required

Aadhaar & ID
Land records/lease
Photo
Bank account

How to Apply

Apply at bank or jansamarth.in
PM Kisan beneficiaries get priority
Faster approval via Aadhaar e-KYC

Apply on the official portal →

Frequently Asked Questions

Without land?Yes, tenant farmers are eligible too.

Really 4%?On up to ₹3 lakh repaid on time.

PM Kisan holders?Get priority.

Stay alert — avoid fraud: Genuine government schemes are always free or officially subsidised. Never pay an agent, never download APKs from unknown links, and never share your bank/OTP details. Apply only through official .gov.in portals.