Schemes / Government of India
Kisan Credit Card (KCC)
Central schemeFarmer
A revolving bank credit line for farmers, fishers and livestock farmers to meet cultivation and allied working-capital needs at a concessional interest rate.
What you get
Short-term crop and allied-activity loans from banks with interest subvention and an extra incentive for prompt repayment under the Modified Interest Subvention Scheme. Check with your bank for current limits and the effective interest rate.
Who can apply
- Owner-cultivators, tenant farmers, oral lessees and sharecroppers
- Self-help groups and joint liability groups of farmers
- Farmers engaged in animal husbandry and fisheries
How to apply
- Apply at any commercial, regional rural or cooperative bank branch, or use the KCC form available on pmkisan.gov.in
- Submit land/activity details and identity documents
- The bank assesses the credit limit and issues the card (usually a RuPay debit card)
Documents usually needed
- Aadhaar card
- Land records or proof of cultivation/activity
- Passport-size photograph
Nodal authority: Ministry of Agriculture and Farmers Welfare. Amounts and rules change — the official page is the final word.