Kisan / Crop Loan
Kisan Credit Card and crop loans at 4% interest for farmers.
Starting from
₹299
+ applicable taxes
No commitment · No hidden charges
Process
How It Works
Eligibility Check
Land holding, crop pattern, and scale of finance verified to determine the credit limit.
KCC Application
Kisan Credit Card application completed and submitted at the bank branch.
Verification
Bank verifies land and revenue records with the local revenue authority.
Credit Issued
KCC issued and the credit limit activated for drawing against crop input needs.
Overview
About This Service
The Kisan Credit Card gives farmers a revolving credit line for seeds, fertiliser, labour, and other crop production costs, so they are not dependent on informal moneylenders at punitive rates. The effective interest rate on short-term crop loans is 4% per annum for prompt repayers, achieved through a 2% interest subvention plus a 3% prompt repayment incentive on top of the base rate. Loans up to the prescribed limit are collateral-free. KCC coverage now extends to animal husbandry and fisheries as well. We assist with land record verification, application, and submission to the bank.
Checklist
Documents Required
FAQ
Frequently Asked Questions
What is the interest rate on a Kisan Credit Card?
Is collateral required?
Can tenant farmers and sharecroppers get a KCC?
How long is a Kisan Credit Card valid?
Does KCC cover activities other than crops?
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