🌾 Farmers & agriculture · Ministry of Agriculture, RBI and NABARD, through banks
Kisan Credit Card (KCC)
Cheap, flexible farm loans for crops, animal husbandry and fisheries.
What you get
Farm loan at about 4% interest if repaid on time
🔗 Direct official links
These open the government website in a new tab. Applying there is free; never pay anyone for a form.
✅ Benefits
- Short-term loans at 7% interest; repay on time and the government gives 3% back, so you pay about 4%.
- The limit for this interest help was raised to ₹5 lakh in Budget 2025 (check with your bank).
- Loans up to ₹2 lakh without collateral.
👤 Who can apply
- Farmers who own or cultivate land, tenant farmers, oral lessees and sharecroppers.
- Self-help groups and joint liability groups of farmers.
- Animal husbandry and fisheries farmers.
📄 Documents needed
- Filled KCC application form
- Aadhaar and PAN (or other ID)
- Land record or tenancy proof
- Passport-size photo
📝 How to apply
- Visit any bank branch (public, private, regional rural or cooperative bank).
- PM-KISAN beneficiaries can use the simple one-page KCC form from pmkisan.gov.in.
- The bank checks your land and crop details and sets your limit.
Benefits in detail
- Short-term loans at 7% interest; repay on time and the government gives 3% back, so you pay about 4%.
- The limit for this interest help was raised to ₹5 lakh in Budget 2025 (check with your bank).
- Loans up to ₹2 lakh without collateral.
- Withdraw as needed with a RuPay card; also covers animal husbandry and fisheries.
Who can apply
- Farmers who own or cultivate land, tenant farmers, oral lessees and sharecroppers.
- Self-help groups and joint liability groups of farmers.
- Animal husbandry and fisheries farmers.
Documents needed
- Filled KCC application form
- Aadhaar and PAN (or other ID)
- Land record or tenancy proof
- Passport-size photo
How to apply, step by step
- Visit any bank branch (public, private, regional rural or cooperative bank).
- PM-KISAN beneficiaries can use the simple one-page KCC form from pmkisan.gov.in.
- The bank checks your land and crop details and sets your limit.
- Banks are expected to decide within 2 weeks.
Last checked against the official website: 26 Sept 2026
Amounts and rules can change. The official website is always final. YojanaHelper is an independent guide, not a government website.
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