Kisan Credit Card Scheme

The **Kisan Credit Card (KCC) Scheme** provides farmers with timely access to credit for their agricultural needs. It offers a flexible and simplified procedure for obtaining credit support.

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Steps to Apply

1Visit nearest bank branch
2Submit KCC application form
3Provide required documents
4Complete verification process
5Receive Kisan Credit Card

Eligibility

Farmers - individual/joint cultivators
Tenant farmers
Oral lessees
Share croppers
Self Help Groups of farmers

Benefits

Short-term credit for crops
Cash credit facility
Insurance coverage
Flexible repayment options
Reduced interest burden

Requirements

Land records/tenancy documents
Identity proof
Address proof
Passport size photographs
Bank account details

Frequently Asked Questions

What is the credit limit under KCC?

Credit limit is based on the scale of finance for crops and farmer's land holding.

Is insurance mandatory with KCC?

Yes, both asset and personal accident insurance are mandatory under KCC.

What is the interest rate on KCC?

Interest rate is 7% per annum, with additional 3% interest subvention for timely repayment.

Can I withdraw cash using KCC?

Yes, KCC can be used for cash withdrawals from ATMs and bank branches.

What is the renewal period of KCC?

KCC needs to be renewed every three years after proper assessment.

Can I use KCC for non-agricultural purposes?

No, KCC is specifically for agriculture and allied activities only.

Disclaimer

The information provided here is based on publicly available resources. We strive to keep it up to date, but it is always advisable to consult official documentation or contact the relevant authorities to verify the details before making any decisions or taking action.

We are not liable for any discrepancies, damages, or consequences that may arise from the use of this information. Additionally, we do not take responsibility for any SMSD (Short Message Service Delivery) issues or related concerns that may arise from our services.

More About This Scheme

The Kisan Credit Card scheme has significantly improved farmers' access to formal credit, reducing their dependence on informal lending sources and supporting timely agricultural operations.