The Government of India introduced the Kisan Credit Card (KCC), which is a financial lifeline for agriculturists, providing low-cost loans to promote agriculture and allied operations. You can get money for seed, fertilizers, machinery, or animals under this scheme with easy repayment facilities at a reasonable cost.
Kisan Credit Card Interest Rate 2025
- General Farmers: 4% – 7% (varies by bank)
- Small & Marginal Farmers: 2% – 4% (with government subsidy)
- Additional 3% Rebate if repaid on time.
Example: If you take a loan of ₹1 lakh, you may pay as low as ₹2,000 – ₹4,000 interest per year!
Who is Eligible for KCC Kisan Credit Card ?
- Indian farmers (individuals or joint holders).
- Age: 18 – 75 years (varies by bank).
- Landowners, tenant farmers, and sharecroppers can apply.
- Fisheries, dairy, and poultry farmers also qualify.
Documents Required for Kisan Credit Card 2025
- Aadhaar Card
- Land Ownership Proof (or Lease Agreement)
- Bank Account Details
- Passport-size Photo
- Income Certificate (if applicable)
How to Apply for Kisan Credit Card Online? (Step-by-Step)
- Go to Your Bank’s Website (SBI, PNB, HDFC, etc.).
- Click on “Agriculture Loans” → Choose “Kisan Credit Card”.
- Submit the Online Form (Provide personal, land, & crop information).
- Upload Aadhaar, Land Proof, etc., documents.
- Submit & Save Reference Number for tracking purposes.
- Verification & Approval (3-7 days).
- Pick Up Your KCC from the bank branch.
How to Check Kisan Credit Card Status?
- Online: Log in to your bank’s net banking → Check under “Loan/Credit Card Status”.
- SMS: Send KCC to the bank’s tracking number.
- Call the bank’s helpline for updates.
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