Ministry of Agriculture & Farmers Welfare
Kisan Credit Card (KCC)
Revolving credit limit up to ₹5 lakh at 4% effective interest rate for crop expenses, equipment, and allied agriculture activities
Revolving credit · withdraw and repay as needed within crop season
Kisan Credit Card (KCC) is a revolving short-term credit scheme jointly managed by NABARD, RBI, and the Ministry of Agriculture & Farmers Welfare to provide farmers with timely credit for crop cultivation, post-harvest expenses, and allied activities. Farmers get a credit limit of up to ₹5 lakh at an effective interest rate of just 4% per annum after government subvention. PM-Kisan beneficiaries are auto-eligible and can apply with a simplified single-page form.
Am I Eligible?
Quick check — answer 3 questions
Is your age between 18 and 100 years?
Is your annual family income under ₹1 Cr?
Do you live in India?
Benefit Details
Revolving credit limit up to ₹5 lakh at 4% effective interest rate for crop expenses, equipment, and allied agriculture activities
Provided by Central Government
Revolving credit · withdraw and repay as needed within crop season
Eligibility Criteria
All farmers, sharecroppers, tenant farmers, and SHGs/JLGs engaged in crop cultivation; fishermen and animal husbandry farmers also eligible under modified KCC; PM-Kisan beneficiaries get auto-eligibility
18 to 100 years
Up to ₹1 Cr / year
Rural & Urban (Both)
Required Documents
💡 Tip: Keep original documents and 2 photocopies ready. Self-attest all photocopies.
How to Apply
Apply via JanSamarth Portal
onlineGo to jansamarth.in → select "Kisan Credit Card" → log in with Aadhaar/mobile OTP → fill crop type, land area, income details → submit. Application is forwarded to your nearest eligible bank automatically.
Apply via SBI YONO App
onlineIf you have an SBI account: open YONO App → "Agri & Rural" → "Kisan Credit Card" → fill the digital form → bank officers verify and approve within 3–5 working days. No branch visit needed.
Apply at Bank Branch (Offline)
offlineVisit nearest bank (SBI, Bank of Baroda, NABARD-linked banks, Cooperative banks) with Aadhaar, land records, passbook, and photo. Fill the single-page KCC form. PM Kisan beneficiaries get simplified processing.
Bank Verification
offlineBank verifies your land records, existing loans, and credit history. For PM-Kisan beneficiaries with loan below ₹1.6 lakh, no collateral is required. Approval typically within 2 weeks.
Receive KCC & Use
online / offlineAfter approval, you get a KCC (debit card or passbook). Withdraw for seeds, fertilizers, equipment from approved vendors. Repay after harvest — the card auto-renews each season as long as there are no defaults.
Frequently Asked Questions
Quick Summary
Related Schemes
Pradhan Mantri Fasal Bima Yojana (PMFBY)
Crop insurance covering up to 100% of crop loss; farmer pays only 2% premium for Kharif, 1.5% for Rabi crops — rest covered by government
Pradhan Mantri Krishi Sinchayee Yojana (PMKSY)
55% subsidy on drip/sprinkler irrigation for general farmers; 75% for small, marginal, and SC/ST farmers — covering equipment cost from source to farm
Soil Health Card Scheme
Free soil testing and Soil Health Card with fertilizer recommendations tailored to your specific farm — helps reduce input costs and increase crop yield
PM Kisan Samman Nidhi
₹6,000/year to all landholding farmers in 3 installments of ₹2,000 each via Direct Benefit Transfer
⚠️ Disclaimer: Information is compiled from official government sources for guidance purposes. Eligibility and benefits may vary. Always verify with the official portal or nearest government office before applying.
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