Government Scheme
Kisan Credit Card (KCC)
Hassle-free crop loan up to Rs.3 lakh at 4% effective interest (with 3% prompt-repayment incentive). Includes accident insurance cover.
Apply now4%
Effective interest rate (with PRI)
Rs.3L
Without collateral
5 yrs
Validity, auto-renewed
Rs.50K
Accident cover bundled
Benefits
- 4% interest on timely repayment (7% standard − 3% PRI subvention)
- Loan limit based on Scale-of-Finance for your crop × land area
- Bundled PMFBY crop insurance auto-enrolment
- Accident insurance: Rs.50,000 (death) / Rs.25,000 (disability)
- No collateral up to Rs.1.6 lakh
- RuPay debit card for ATM access
Eligibility
- Individual or joint farmer (owner-cultivator)
- Tenant farmer / sharecropper with land record proof
- SHG / Joint Liability Group of farmers
- Animal husbandry, dairy, fisheries, poultry farmer
- Age 18–75 (co-borrower needed if above 60)
How it works
1
Fill the form — give us crop, land, and bank details. Takes 5 minutes.
2
Print application sheet — we generate a clean filled-in form you take to the bank.
3
Visit your bank branch with the sheet + KYC + land record. Most banks process in 14 days.
4
Card delivered — sanction letter and RuPay KCC card couriered to you.