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KrishiKrishi

Central scheme

Kisan Credit Card with Modified Interest Subvention

किसान क्रेडिट कार्ड + संशोधित ब्याज अनुदान योजना

ActiveKCCLaunched 1998 · Revised 2025 · Department of Financial Services + MoA&FW + RBI/NABARD
Benefit
4% interest on crop loans
Loans up to ₹3 lakh at 4% effective interest if repaid on time; no collateral needed up to ₹2 lakh. Also covers dairy, poultry and fisheries.
Apply at your bank branch

Eligibility

  • Eligible: farmer with cultivable land
  • Eligible: tenant
  • Eligible: sharecropper
  • Eligible: oral lessee
  • Eligible: SHG
  • Eligible: JLG

Documents required

  • Aadhaar
  • Land documents (RoR/khasra/khatauni)
  • Two passport-size photos
  • Identity proof (Voter ID/Driving Licence)
  • Bank account

Quick facts

Key facts about this scheme
Launched1998
Latest revision2025
Implementing ministryDepartment of Financial Services + MoA&FW + RBI/NABARD
Beneficiaries7.72 crore
Application portalpmkisan.gov.in/Documents/KCC.pdf (opens in new tab)
StatusActive

The Kisan Credit Card gives you a revolving crop-loan limit at your bank. The Centre pays part of the interest, and prompt repayment earns a further rebate — bringing the effective rate down to 4% per year. Tenants, sharecroppers and SHGs/JLGs can also apply.

How to apply

  1. Take Aadhaar, your land record (or tenancy declaration), two photos and your bank passbook to any bank branch, or apply through a CSC.
  2. Fill the one-page KCC form; the limit is set from your crop plan and land area.
  3. Use the card or linked account for inputs, and repay after harvest within the season to keep the 4% rate.

Related schemes

Sources

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