STEP-BY-STEP PROCEDURE FOR HOW TO APPLY FOR KCC (KISAN CREDIT CARD) SCHEME FOR AGRICULTURE & AGRI-ALLIED FARMING IN INDIA
The KCC Scheme was introduced with the objective of providing adequate and timely credit to the farmers for their agricultural operations. The Government of India provides interest subvention of 2% and Prompt Repayment Incentive of 3% to the farmers, thus making the credit available at a very subsidized rate of 4% per annum.
The scheme was further extended for the investment credit requirement of farmers viz. allied and non-farm activities in the year 2004 and further revisited in 2012 by a working Group under the Chairmanship of Shri T. M. Bhasin, CMD, Indian Bank with a view to simplify the scheme and facilitate issue of Electronic Kisan Credit Cards. The scheme provides broad guidelines to banks for operationalizing the KCC scheme. Implementing banks will have the discretion to adopt the same to suit institution/location-specific requirements.
Objective / Purpose
The Kisan Credit Card scheme aims at providing adequate and timely credit support from the banking system under a single window with the flexible and simplified procedures to the farmers for their cultivation and other needs as indicated below :
- To meet the short term credit requirements for the cultivation of crops;
- Post-harvest expenses;
- Produce marketing loan;
- Consumption requirements of farmer household;
- Working capital for maintenance of farm assets and activities allied to agriculture;
- Investment credit requirement for agriculture and allied activities
Type of Card
- A magnetic stripe card with PIN (Personal Identification Number) with an ISO IIN (International Standards Organization International Identification Number) to enable access to all banks ATMs and micro ATMs
- In cases where the Banks would want to utilize the centralized biometric authentication infrastructure of the UIDAI (Aadhaar authentication), debit cards with magnetic stripe and PIN with ISO IIN with biometric authentication of UIDAI can be provided.
- Debit Cards with magnetic stripes and only biometric authentication can also be provided depending on the customer base of the bank. Till such time, UIDAI becomes widespread, if the banks want to get started without inter-operability using their existing centralized bio metric infrastructure, banks may do so.
- Banks may choose to issue EMV (Europay, MasterCard and VISA, a global standard for the interoperation of integrated circuit cards) and RUPAY compliant chip cards with magnetic stripe and pin with ISO IIN.
- Further, biometric authentication and smart cards may follow the common open standards prescribed by IDRBT and IBA. This will enable them to transact seamlessly with input dealers and also enable them to have the sales proceeds credited to their accounts when they sell their output at mandies, procurement centres, etc
Delivery Channels :
The following delivery channels shall be put in place to start with so that the Kisan Credit Card is used by the farmers to effectively transact their operations in their KCC account.
- Withdrawal through ATMs / Micro ATM
- Withdrawal through BCs using smart cards.
- PoS machine through input dealers
- Mobile Banking with IMPS capabilities / IVR
- Aadhaar enabled Cards
Fixation of credit limit/Loan amount
- The short-term limit to arrive for the first year: For farmers raising a single crop in a year: Scale of finance for the crop (as decided by District Level Technical Committee) x Extent of area cultivated + 10% of limit towards post-harvest / household/consumption requirements + 20% of limit towards repairs and maintenance expenses of farm assets + crop insurance, PAIS & asset insurance.
- Limit for second & subsequent year: First-year limit for crop cultivation purposes arrived at as above plus 10% of the limit towards cost escalation/increase in the scale of finance for every successive year ( 2nd, 3rd, 4th and 5th year) and estimated Term loan component for the tenure of Kisan Credit Card, i.e., five years.
- For farmers raising more than one crop in a year, the limit is to be fixed as above depending upon the crops cultivated as per the proposed cropping pattern for the first year and an additional 10% of the limit towards cost escalation/increase in the scale of finance for every successive year (2nd, 3rd, 4th and 5th year). It is assumed that the farmer adopts the same cropping pattern for the remaining four years also. In case the cropping pattern adopted by the farmer is changed in the subsequent year, the limit may be reworked.
- Term loans for investments towards land development, minor irrigation, purchase of farm equipment and allied agricultural activities. The banks may fix the quantum of credit for the term and working capital limit for agricultural and allied activities, etc., based on the unit cost of the asset/s proposed to be acquired by the farmer, the allied activities already being undertaken on the farm, the bank’s judgment on repayment capacity vis-a-vis total loan burden devolving on the farmer, including existing loan obligations.
- The long-term loan limit is based on the proposed investments during the five-year period and the bank’s perception of the repaying capacity of the farmer
- Maximum Permissible Limit: The short-term loan limit arrived for the 5th year plus the estimated long-term loan requirement will be the Maximum Permissible Limit (MPL) and treated as the Kisan Credit Card Limit.
- Fixation of Sub-limits for other than Marginal Farmers:
- Short-term loans and term loans are governed by different interest rates. Besides, at present, short-term crop loans are covered under Interest Subvention Scheme/ Prompt Repayment Incentive scheme. Further, repayment schedules and norms are different for short-term and term loans. Hence, in order to have operational and accounting convenience, the card limit is to be bifurcated into separate sub-limits for short-term cash credit limit cum savings account and term loans.
- The drawing limit for short-term cash credit should be fixed based on the cropping pattern and the amounts for crop production, repairs and maintenance of farm assets and consumption may be allowed to be drawn at the convenience of the farmer. In case the revision of the scale of finance for any year by the district-level committee exceeds the notional hike of 10% contemplated while fixing the five-year limit, a revised drawable limit may be fixed and the farmer is advised about the same. In case such revisions require the card limit itself to be enhanced (4th or 5th year), the same may be done and the farmer be so advised. For term loans, instalments may be allowed to be withdrawn based on the nature of the investment and the repayment schedule drawn as per the economic life of the proposed investments. It is to be ensured that at any point in time, the total liability should be within the drawing limit of the concerned year.
VARIOUS SCHEMES OF AGRICULTURE & AGRI-ALLIED
PRADHAN MANTRI MUDRA YOJNA (PMMY)-ALLIED AGRI
Purpose:
To create employment and generate income for livelihood to enhance the standard of living of people.
Features
- Type of Facility :
- Minimum – Rs. 1.00/-
- Maximum – Rs.10.00 lakhs
- Drop-Line Overdraft (DOD)
- Quantum of Loan :
Project Cost (A)
Less Margin (B)
Bank Loan (A-B) - Margin :
- Up to Rs. 50,000/-: NIL
- 50,000 to Rs.10 lakhs: 10%.
- Moratorium : Based on the type of activity.
- Security :
- Primary: Hypothecation of assets created out of the Bank Loan.
- Collateral: No collateral to be obtained for all loans up to Rs.10 lakhs.
- Interest Subvention : Not Applicable
- Repayment: Based on the type of activity
- Activities covered:
- Dairy
- Fishery
- Sheep rearing
- Goat rearing
- Pig rearing
- Poultry
- Sericulture
- Beekeeping
- Mushroom Cultivation
KCC FOR ANIMAL HUSBANDRY & FISHERIES
To meet the working capital requirements towards the following activities:
- Animal Husbandry: Milch animal rearing, poultry layer farming, poultry broiler farming, sheep rearing, goat rearing, pig rearing, rabbit rearing for wool and work animals.
- Any other state specific livestock rearing may be considered.
- Fisheries: Fresh water fish/prawn culture (including Cold water), brackish water shrimp/ fish/ crab culture, fish/ shrimp/ prawn/ crab seed rearing, capture fisheries in fresh water, rakish water and marine & any other state specific fisheries activities.
Type of Facility: Agricultural Cash Credit
Quantum of Loan:
- Minimum loan : No ceiling
- Maximum Loan : No ceiling
The scale of finance for Animal Husbandry & Fishery will be fixed by the District Level Technical Committee (DLTC) based on local cost worked out on the basis of per acre/per unit.
Margin: No separate margin, as the margin is inbuilt while fixing the Scale of Finance (SoF).
Security:
- Primary: Hypothecation of animals/ birds/ fishes/ stocks of seed, feed/ organic and inorganic fertilizers/ lime/ other soil conditioners and assets created out of bank finance.
- Collateral: Equitable mortgage / registered mortgage of land / immovable property as applicable and other liquid security of the value of 100 % loan. However, collateral is waived for KCC limit up to Rs. 2.00 lakh and up to Rs.3.00 lakhs, in case of tie up arrangement.
Agri & Food Enterprises Loan (AFEL)
Purpose: To provide finance to agri based enterprises viz Agri Commodity & Food processor, Agri input manufacturer, Agri Exporters & FPO engaged in select Agri, Allied, Agri infrastructure and Ancillary activities.
Features
- Type of Facility: TL, CC, BG, LC, Bill Discounting. Pre & Post – shipment
- Quantum of Loan:
- Minimum: ₹1 lakh
- Maximum: ₹100 crores
- Repayment: The loan will be repayable in maximum 10 years with maximum moratorium of 24 months.
- Security: Primary: Mortgage of Primary land & Hypothecation of machinery, equipment, stocks, receivables, other movable assets (Present & Future)
- Collateral:
- NIL Upto ₹5 Crif Credit guarantee cover availed.
- More than ₹5 Cr: Suitable security for rest of the loan amount above ₹5 Cr.
Source- Agri Enterprise Loan – Agri & Rural
PM Kisan Credit Card (KCC) 2025 Apply Online or Download PDF Application Form – Loan Limit Increased to 5 Lakh
Central government has started a campaign for saturation of all PM Kisan Samman Nidhi Yojana beneficiaries with Kisan Credit Card (KCC) Scheme. All the farmers can now download Kisan Credit Card Loan Application Form 2025 for Agricultural Credit in PDF format online.
The official websites to download Kisan Credit Card (KCC) Apply Online Form PDF are www.pmkisan.gov.in. This merging of PM Kisan Samman Yojana with KCC will enable farmers to avail concessional institutional credit from KCC for crops as well as animal/fish rearing at a maximum interest of 4%.
Kisan Credit Card Scheme online application forms for PM-KISAN beneficiaries are open now. The Union govt. wants that all the PM Kisan Samman Nidhi Yojana beneficiaries get their own personalized Kisan Credit Card (KCC). For this, Indian Banks Association has waived off charges like processing, documentation, inspection & ledger folio charges as well as service charges for KCC loans upto Rs. 5 lakh.
All the PM Kisan Samman Nidhi Yojana beneficiary farmers can now approach their bank branches for Kisan Credit Card Application. There, farmers will have to submit the single page KCC registration form along with land record & details of crops sown to get their Kisan Credit Cards ready.
Kisan Credit Card Scheme 2025 Latest Update
Enhanced Credit Limits Under Kisan Credit Card (KCC) in Budget 2025-26
The 2025-26 Union Budget has introduced a significant enhancement in the credit limit under the Kisan Credit Card (KCC) to support farmers, fishermen, and dairy farmers. The loan limit has been raised from ₹3 lakh to ₹5 lakh under the Modified Interest Subvention Scheme. This increase will provide farmers with greater access to affordable credit, reducing their dependence on high-interest informal loans.
With this move, the government aims to boost agricultural productivity, enhance rural incomes, and ensure timely availability of funds for essential farming needs such as seeds, fertilizers, and equipment purchases. This enhancement will benefit 7.7 crore farmers, contributing to a stronger and more self-reliant agricultural sector.
PM Kisan Credit Card (KCC) Application Form PDF 2025
Below is the complete process for PM Kisan Samman Nidhi Yojana beneficiaries to download Kisan Credit Card (KCC) online application form in PDF format:-
STEP 1: Firstly visit the official PM Kisan portal at pmkisan.gov.in
STEP 2: At the homepage, click at the “Download KCC Form” tab present in the main menu.
STEP 3: Direct Link – https://pmkisan.gov.in/Documents/Kcc.pdf
STEP 4: Accordingly, the KCC Loan Application Form Agricultural Credit For PM Kisan Beneficiaries will appear as shown below:
STEP 5: All the interested farmer beneficiaries of PM Kisan Samman Nidhi Scheme can download this KCC form in PDF format. Finally, people can submit the completed Kisan Credit Card application form at the bank itself.
Details Required in KCC Application Form
Following details are required to be filled in the Kisan Credit card application form:
- Type of KCC/ Amount of loan required:
- Issue of fresh KCC
- Enhancement of existing limit
- Activation of inoperative KCC account
- Amount of Loan required
- Particulars of the applicant(s):
- Name of the Applicant
- Account No (PM Kisan Beneficiary*)
- If not covered under Pardhan Mantra Suraksha Bima Yojana (PMSBY) and Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY), consent for Auto Debit for coverage under these two schemes.
- Details of existing loans, if any:
- Bank/ Co-operative Banks/ Other Sources
- Branch Name
- Facility
- (KCC/ATL)
- Outstanding (Rs.)
- Overdue, if any (Rs.)
- Particulars of total land holdings of the applicant and crops:
- Name of the Village
- Survey/ Khasra No.
- Title – Owned, Leased, Share Cropper
- Area in acres
- Name of crop to be Grown – Kharif Crops, Rabi Crops, Other Crops
- KCC to Fisheries and Animal Husbandry Farmers:
- Name of Village
- Total productive Dairy Animals
- Total Sheep & Goat
- Total Pigs
- Total Poultry
- Inland Fisheries & Aquaculture
- Marine Fisheries & Mariculture
- Others
- Security Proposed to be offered:
- Particulars of Primary Security offered
- Particulars of Collateral Security (where applicable)
- Declaration
Link to Download KCC Application Form PDF
You can also download the KCC loan application form in PDF format for all banks using the below link.
KCC Application Form PDF for All Banks
For more detailed information, check Kisan Credit Card FAQ’s. Upon receiving the KCC apply online form from PM Kisan beneficiaries, banks will issue Kisan Credit Cards to farmers within 14 days.
How to Apply Online for KCC
There is no procedure offered by the central government as of now to apply online for Kisan Credit Card, neither the banks are offering any such facility for KCC apply online. Every farmer who wish to apply for Kisan Credit Card loan scheme is required to visit the bank branch and fill the simplified one page application form as given above.
Below are some direct links to apply online for KCC through the official bank website.
SBI Kisan Credit Card – Download KCC Form PDF
HDFC – Online Application Form
Axis Bank – Only Apply
PNB – KCC Loan Details
ICICI – Kisan Credit Card Loan Details
KCC Apply Online Notification for PM Kisan Beneficiary Farmers
PM Kisan is an income support scheme for around 14 crore farmers in India. Under this scheme, the central govt. provides Rs. 6,000 per annum to all farmers. Till date, around 9.7 crore farmer families have been registered in PM Kisan Samman Nidhi Yojana. More than 8.4 crore farmer families have already availed PM kisan installments and bank details of these farmers are available at bank branches.
Aadhar details of PM Kisan beneficiary farmers are also available with Indian government. Such farmers can easily avail the facility of Kisan Credit Card just by submitting their land records copy and details of crop sown. The official notification can be accessed using the link here – https://pmkisan.gov.in/Documents/finalKCCCircular.pdf
Currently, there are around 6.7 crore Kisan Credit Card (KCC) beneficiaries in the entire country. Even if we assume that all KCC cardholders are PM-Kisan beneficiaries, there are around 3 cr farmers who doesn’t possess Kisan Credit Card (KCC) facility. So, Indian Bank Association (IBA) has designed a single page KCC form and copy of this form is available on scheduled commercial banks, website of department (www.agricoop.gov.in) and PM-Kisan portal (www.pmkisan.gov.in).
All the left out PM-Kisan beneficiaries can download the KCC form from these official website or can get it from banks. Upon successful submission of forms, banks will provide KCC facility to such farmers.
Eligibility for Kisan Credit Card
- All farmers – individuals/Joint cultivator owners.
- Tenant farmers, oral lessees and share croppers etc.
- SHGs or Joint liability groups including tenant farmers.
- All the beneficiaries of PM Kisan Samman Nidhi Yojana.
Documents Required for Kisan Credit Card
- Duly filled KCC application form along with self declaration.
- Identity proof: Voter ID card / PAN card / Passport / Aadhaar card / Driving License etc
- Address proof: Voter ID card / Passport / Aadhaar card / Driving license etc
- Valid agriculture land documents.
PM Kisan Yojana – Helpline
If you need any information / help about Kisan Credit Card Scheme under the PM Kisan Samman Nidhi Yojana, using the helpline details below.
PM-Kisan Helpline No. 155261 / 1800115526 (Toll Free), 0120-6025109
