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2 mins Read | 4 Years Ago

How to Apply for Kisan Credit Card Online: Know Benefits and Eligibility

Apply for Kisan Credit Card Online

What is Kisan Credit Card?

The Kisan Credit Card Loan was launched in August 1998, by the Indian Government as a helpful hand to our country’s farmers. The goal of the Kisan Credit Card scheme was to ensure that Indian farmers had affordable access to short-term credit. Farmers are always in need of short term credit since they require funds for crop cultivation, harvesting and maintenance of their farms.

Objective of Kisan Credit Card Loan

It was not unusual that farmers had to rely on non-institutional money lenders when it came to credit. Taking a loan from banks was a long and tedious process and thus farmers resorted to trusting local money lender, who in turn exploited them with exorbitant interest rates. Hence, the Kisan Credit Card (KCC) Loan was born. It allowed farmers to avail of quick loans with great accessibility and less paperwork without much hassles.

Kisan Credit Card benefits and features

  • Farmers will be issued an ATM-cum-Debit Card for withdrawal of funds from ATMs in addition to the KCC.

  • The KCC Loan involves the facility of revolving credit for withdrawals and repayments within the credit limit. All repayments, however, have to be done within 12 months.

  • Every year, the issuing bank will review the loan and decide the validity of the existing Credit Card.

Kisan Credit Card Eligibility

  • Individuals and joint owners of agricultural land are eligible to apply for KCC Loan.

  • Tenants who have taken up rented land for cultivation are also eligible for KCC.

  • The land in question must be agriculturally active and must be generating a crop.

  • Applicant age shall be between 18 and 60 years at the time of applying.

Documents required for KCC Loan

The following basic documents are required to apply for the KCC scheme. However, the specific document requirement depends on the internal guidelines of the loan issuing bank and is subject to change for different banks.

  • The KCC Loan application form, duly filled and signed by the applicant.

  • Identity proof like Aadhaar Card, PAN Card, Voter’s ID Card, etc.

  • Address proof specifying the applicant’s current address.

  • Land ownership documents or rent agreement.

  • Passport size photographs.

How to apply for Kisan Credit Card Loan?

Applying for a KCC Loan is extremely easy. Applicants can directly avail of the loan by approaching any branch of the bank they wish with the required documents. Applicants may also apply for the KCC online by visiting the website of the bank of their choice. All supporting banks have KCC application facility on their website and applicants may use the same.

Kisan Credit Card Interest rate and Credit limit

It is up to the banks to decide the KCC interest rate, which shall be in accordance with Reserve Bank of India (RBI) guidelines. However, one can use a KCC interest rate calculator available on various bank websites to calculate the interest rate. Similarly, the KCC limit is also set by the concerned bank.

Hence, the KCC Loan scheme is a highly beneficial loan scheme for farmers in India. The hassle-free disbursement and flexible repayment option is very convenient for farmers and ensures that farmers can smoothly carry out crop cultivation and harvesting. The farmers can also use their loans to purchase seeds and fertilisers, thus allowing farmers to stay away from exploitative and non-institutional money lenders.

Frequently Asked Questions On Kisan Credit Card

Who is eligible for a Kisan Credit Card (KCC)?

All farmers - individuals, joint cultivator owners, self-help groups and tenant farmers are eligible for a Kisan Credit Card. 

What is the limit for a Kisan Credit Card? 

The loan limit for a KCC is determined by District Level Technical Committee DLTC. There is no processing fee for a KCC with a limit of up to Rs 3 lakh while for a card with a greater limit than that, the processing fee is 0.35% of the loan limit. 

Can I apply for a PM Kisan Credit Card online? 

The application process for the PM Kisan Credit Card Scheme may vary depending on the state. It is best to check with the local Agricultural Department or the respective bank to confirm the application process. However, ICICI Bank offers the facility to apply for the PM Kisan Credit Card online. 

Can I use a Kisan Credit Card at an ATM? 

Yes, farmers can use a Kisan Credit Card at an ATM to withdraw cash or for other transactions. However, the transaction limit may vary depending on the type of the Kisan Credit Card. 



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