Kisan Credit Card (KCC)
All banks, RRBs, cooperative banks and PACS under RBI rulesAll India
A running credit limit for crop costs, post-harvest needs and farm upkeep. The cheapest farm credit in India.
What it is
The KCC is a card with a credit limit. You draw money for seeds, fertiliser, labour and other crop costs, and repay each crop loan by harvest.
Loans up to ₹3 lakh are given at 7%. If you repay on time the government gives 3% back, so the real rate is 4%. On a ₹3 lakh loan, repaying on time saves ₹9,000 a year.
The ₹5 lakh KCC limit announced in Budget 2025 is not yet backed by an RBI or NABARD circular for the 4% rate. The 4% is confirmed only up to ₹3 lakh.
Eligibility at a glance
Owner farmers who cultivate their land
Tenant farmers, oral lessees and sharecroppers
Self-help groups (SHGs) and joint liability groups (JLGs) of farmers
Age limits are set by each bank, commonly 18 to 75, with a co-borrower above a set age
Buying land or a tractor: those are term loans
Loans only for dairy or fish: use the animal husbandry and fisheries KCC
Key facts
- Amount: Scale of finance for your crop × area, plus 10% for post-harvest and household needs and 20% for farm repairs
- Repayment: Each crop loan by harvest: 12 months for short crops, 18 months for long crops
- Security: None up to ₹2 lakh. ₹2–3 lakh with crop hypothecation and a recovery tie-up