Kisan Credit Card (KCC): low-cost crop loans for farmers
Last updated: 1 July 2026
The Kisan Credit Card gives farmers timely, low-cost credit for crop cultivation and allied activities. This is general guidance; interest, limits and terms are set by the bank and scheme rules.
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What it offers
A flexible credit limit for seeds, fertiliser, and other farm needs, often at subsidised interest for prompt repayment. It can also cover allied activities like dairy or fisheries as per rules.
Who is eligible
- Farmers who own or cultivate land, including tenant farmers and sharecroppers as per bank rules.
- Members of Joint Liability Groups / Self-Help Groups may also qualify.
- You'll need land records, ID and address proof.
How to apply
- Approach your bank branch (or apply via the PM-KISAN linked KCC form).
- Submit the KCC application with land and KYC documents.
- The bank assesses your credit limit based on your crop and area.
- On approval, you receive the card/limit for farm use.
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Who can get a Kisan Credit Card?
Farmers who own or cultivate land (including tenants/sharecroppers per bank rules). Apply at your bank with land records and KYC.
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