Kisan Credit Card (KCC) Loan

The Kisan Credit Card (KCC) Loan is a government-backed scheme designed to provide short-term credit to farmers for agricultural and allied activities. It ensures that farmers have easy access to affordable loans for crop cultivation, equipment purchase, livestock, fisheries, and other rural development activities. The scheme aims to reduce farmers’ dependency on informal credit and promote sustainable agricultural growth.

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    Types Of Kisan Credit Card Loan

    KCC Loans are categorized based on the purpose and type of farming activity they support, ensuring farmers receive tailored financial assistance suited to their specific agricultural and allied needs.

    Crop Loan (Production Credit)

    For meeting expenses related to seeds, fertilizers, pesticides, irrigation, and other crop inputs.

    Farm Mechanization Loan

    For purchasing tractors, harvesters, irrigation systems, and other farm equipment.

    Allied Activities Loan

    Covers livestock rearing, dairy farming, poultry, fisheries, and beekeeping.

    Post-Harvest Loan

    For storage, transportation, and marketing of harvested produce to help farmers avoid distress sales.

    Consumption Loan

    Provides limited credit for household or emergency needs of farmers.

    Investment Loan

    For long-term agricultural investments such as land development, greenhouse setup, or farm infrastructure.

    Why Kisan Credit Card Loan Is Important?

    Eligibility Criteria

    Available to farmers involved in crop cultivation, allied activities, or agri-related occupations such as fisheries and dairy.

    Loan Amount & Limit

    Credit limits are determined based on landholding, crop type, and farming expenses; typically ranging from ₹10,000 to ₹3,00,000 or more.

    Interest Rate & Subsidy

    Interest rates are generally between 4%–7% annually after government subsidy under the Interest Subvention Scheme.

    Repayment Period

    Crop loans are repayable after the harvest season, while long-term loans may extend up to 5 years or more.

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    FAQs

    What is a Kisan Credit Card (KCC) Loan?

    It is a loan facility introduced by the Government of India to provide farmers with timely and affordable credit for agricultural and allied needs.

    All farmers engaged in crop cultivation, allied activities, tenant farmers, and sharecroppers are eligible.

    Applicants need ID proof, land records, crop details, bank account details, and passport-sized photos.

    Depending on the applicant’s land and crop pattern, it can range from ₹50,000 to ₹3,00,000 or more.

    The effective interest rate is around 4% per annum after applying the government’s interest subsidy.

    Farmers can apply online through their bank’s portal or visit the nearest branch with required documents.