Kisan Credit Card Scheme : KCC Benefits, Eligibility, Apply Online

kisan credit card scheme

Kisan Credit Card Scheme: Kisan Credit Card Scheme has been started by the Government of India to provide loans to farmers at affordable rates. The main objective of the KCC scheme is to save the farmers from the clutches of moneylenders and interest-bearers by giving loans through banks at nominal interest rates.

Most farmers in India are facing quite a hard time because of the loans. These farmers take loans for crop investments and other works but the interest rates are very high. For those farmers, the government of India has started this scheme. Under the KCC Loan scheme, the farmers can get loans at a lower interest rate.

kisan credit card scheme

Any farmer of the country can take advantage of this scheme. In this article, if you have not yet made Kisan Credit Card, then in this article we will tell you in detail about the conditions, documents, and how to apply for a Kisan Credit loan here. 

What is Kisan Credit Card (KCC)?

As we mentioned above, with the help of Kisan Credit Card, farmers are given loan facilities at concessional rates by the bank.

The interest rate of the loan availed through a KCC card is much less than the loan available in the market and the time for repayment of the loan is also available. The interest rate of KCC is around 2%-4%. The advantage of this loan is that sometimes the government waives the loans of farmers, then we do not have to repay the loan taken from the KCC card.

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 pm kisan credit card online apply

Any person associated with agriculture can apply for a KCC card online by visiting any public bank nearest branch or online. Private sector banks like ICICI, Kotak, Axis also work to provide KCC loans. Once the KCC card is generated, the farmer can get a loan of up to 3 lakhs depending on his land or requirement.

Through KCC cards, farmers also get the benefit of using other government facilities like the benefits of Pradhan Mantri Kisan Samman Nidhi Yojana, benefits of crop insurance scheme, etc.

Benefits and Features of Kisan Credit Card

kisan credit card loan

  • The loan is available at very nominal interest. The rate of interest is 2%.
  • Farmers can take loans up to Rs 3 lakh.
  • No guarantee is required for loans up to Rs 1 lakh 60 thousand.
  • The interest of 4 to 6 percent is available on keeping the loan amount in a savings account.
  • Get the benefit of the crop insurance scheme.
  • KCC cardholder farmer gets insurance cover of up to 50,000 in case of permanent disability or death.
  • Possibility of getting loan waiver facility by the central or state government through various government schemes.

Kisan Credit Card Scheme News Updates

Union Finance Minister Nirmala Sitharamanannounced a concessional loan of Rs 2 lakh crore to 2.5 crore farmers through Kisan Credit Cards, which will also include fishermen and livestock farmers, at the Atmanirbhar Bharat Abhiyan press conference on May 14.

Kisan Credit Card Scheme Eligibility

Any person who fulfills the following conditions can apply for a KCC card.

  • Any farmer cultivating his own land or land taken on contract from others.
  • A person between 18 to 75 years. A co-applicant is required for farmers above 60 years of age.
  • The bank in which you are applying should be related to your agriculture sector.
  • All farmers who are engaged in crop production or any allied activities as well as non-farm activities.

Kisan Credit Card Application Documents Required

The following documents are required while applying for Kisan Credit Card (KCC):

  • Valid ID card, such as Voter ID card, Aadhar card, PAN card, etc.
  • Government Proof of Residence Certificate (Address Proof)
  • Documents sought as security in case of loan more than 1 lakh 60 thousand.
  • Farmer’s photo and application form.
  • Other documents can also be asked for as per the requirement of the bank.
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Kisan Credit Card Apply Online 2021 | How to apply for Kisan Credit Card

Applying for Kisan Credit Card is very simple. To get a KCC card, you can go to the branch of the bank and apply both offline or online.

KCC Application by visiting Bank

For offline application, you will have to go to the nearest bank branch and take the KCC application form from the loan officer or bank manager and ask about the required documents.

After filling the application form correctly and submitting it to the bank along with your photographs and required documents, the bank will process your KCC application in a few days.

Kisan Credit Card Online Application

To apply online for KCC Card, you have to go to the website of the concerned bank and fill the application form and submit it. The method of the online process is different for all the banks, so you have to go to the official website of your bank and submit your application. You can contact the helpline for further help.

kisan credit card status

KCC Application under Prime Minister Kisan Samman Nidhi Yojana

After starting the Kisan Samman Yojana in 2019 by Prime Minister Narendra Modi, arrangements have been made to provide the facility of KCC cards to the farmers under this scheme. Now the farmers who are registered in PM Kisan Yojana can take loans for their agricultural needs at 4% interest.

  • Visit the official website of PM Kisan Samman Nidhi Yojana and download the form from the option of Download KCC Form.
  • Fill the application form correctly and attach the documents and submit it to the nearest bank branch or CSC Center (Customer Service Center).
  • Within a few days, your application will be processed and KCC Card will be generated.


What is the maximum loan amount that can be availed by Kisan Credit Card?
With the help of Kisan card, a maximum loan of up to 3 lakh is sanctioned.
Up to what amount no guarantee is required on Kisan Credit Card Loan?
No guarantee is required for loans up to Rs 1,60,000.
What type of insurance is covered with KCC Card?
You can take advantage of Pradhan Mantri Fasal Bima Yojana through a KCC card. Along with this, with every KCC account, there is a cover of permanent disability insurance and death insurance up to 50,000.

What is the Kisan Credit Card helpline number?
Kisan Credit Card Helpline Number: 155261 / 1800115526 (Toll-Free), 011-23381092. Farmers can visit for more information. 


Kisan Credit Card Scheme has been started by the Government of India to provide loans to farmers at affordable rates. Under this scheme, the farmers can take loans from any government or private bank in India at low-interest rates. If you have any doubts, then you can drop them in the comments box. We hope this article was helpful. Keep visiting Janta Yojana for more helpful guides.

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