Kisan Credit Card Yojana (Kisan Credit Card Yojana) It is an important initiative of the Government of India, which aims to provide necessary financial assistance to farmers for farming. Crores of farmers of the country are taking advantage of this scheme to meet their agricultural needs. Under this scheme, farmers get loans at low interest rate, so that they can buy seeds, fertilizers, pesticides, irrigation equipment, agricultural implements etc.
The Kisan Credit Card Scheme provides easy and affordable financial facilities to the farmers by protecting the moneylenders from the debt trap of moneylenders. 2025 budget The government gave great relief to the farmers, the loan limit of the farmers credit card Increased from Rs 3 lakh to Rs 5 lakh Done. Now farmers can take a loan of up to Rs 5 lakh for every expense ranging from their farming to selling crops.
Benefits of this scheme 7.7 crore farmersDairy farmers and fishermen can pick up. The application process has also been made simple and transparent, so that more and more farmers can take advantage of it.
Farmer Credit Card Yojana Full update:
The Kisan Credit Card Scheme was launched in 1998, so that farmers could get more adequate loans for farming. Under this scheme, farmers get a credit card (KCC), so that they can withdraw money repeatedly as per the need and meet their agricultural needs. Farmers from KCC can take loans for seeds, fertilizers, pesticides, irrigation, tractor, agricultural machinery etc. Loans can be paid after harvesting or after selling crops.
Kisan Credit Card Scheme
| point | Acquaintance |
|---|---|
| Name of the scheme | Kisan Credit Card Yojana (Kisan Credit Card Yojana) |
| Beginning year | 1998 |
| Loan limit | ₹ 5 lakh (from 2025) |
| Interest rate | 7% (after government subsidy) |
| Guarantee loan | Up to ₹ 1.60 lakh |
| Eligibility | Farmers, cattle rearers, fishermen aged 18 to 75 |
| application system | online offline |
| Required documents | Identity card, address proof, agricultural land paper, passport photo |
| Use of loan | Seeds, manure, pesticides, agricultural machinery, irrigation, animal husbandry etc. |
| Repayment period | After -harvesting or sales |
Main benefits of the scheme
- Farmers get loans at low interest rates (the government gives 2% interest subsidy and 3% prompt repayment incentive).
- A loan of up to ₹ 1.60 lakh is available without any security.
- Loans can be used in farming, animal husbandry, fisheries, agricultural machinery, irrigation etc.
- Loans can be paid after harvesting or sale, so that there is no pressure on the farmer.
- There is an additional discount in interest on repaying the loan on time.
- The benefit of crop insurance scheme is also available, in which insurance cover is available at accident, death or other risks.
- The process of taking the loan is easy and transparent, can be applied through both online and offline mediums.
Eligibility for Plan
- The applicant should be a citizen of India.
- Age should be between 18 and 75 years.
- Farmers, cattle rearers, fishermen can all apply.
- Farming land papers or lease agreement is necessary.
- Cooperatives, self -help groups, joint farmers can also apply.
Documents required for the scheme
- Identity card (Aadhaar card, voter ID, driving license, one of the passport).
- Address proof (Aadhaar card, ration card, electricity bill, passport etc.).
- Agricultural land papers/lease agreement.
- Passport Size Photo.
- Bank Passbook or Account Description.
- PAN card (if available).
How to apply for Kisan Credit Card?
Online application process
- Visit the concerned bank’s website or PM Kisan portal.
- Download the application form for Kisan Credit Card (KCC).
- Fill the information sought and upload the necessary documents.
- Submit the application, the KCC is released after the document check by the bank.
Offline application process
- Go to the nearest bank branch (SBI, HDFC, Bank of India, Grameen Bank etc.).
- Take and fill the KCC application form.
- Submit the form with the necessary documents.
- After investigation by the bank, KCC limit is issued in the farmer’s account.
List of major banks of the scheme
| Bank name | Interest rate (approx) | Maximum loan limit |
|---|---|---|
| State Bank of India (SBI) | 7% | 500,000 |
| Bank of india | According to the bank | 500,000 |
| HDFC Bank | 10.08% | 500,000 |
| Axis bank | 10.70% – 13.30% | 500,000 |
| Rural bank | According to the bank | 500,000 |
New updates of the scheme (2025)
- In budget 2025, the loan limit of Kisan Credit Card has been increased from 3 lakh to 5 lakh rupees.
- Now 7.7 crore farmers, cattle rearers, fishermen can take advantage of this scheme.
- Additional discounts on subsidy and timely payment will continue in interest rate.
- The application process is more simple and intensified.
Benefits of the scheme
- Immediate loan facility for farming.
- Freedom from the debt of moneylenders.
- Rebate on low interest rate and timely payment.
- Loan for seeds, compost, agricultural machinery, irrigation, animal husbandry, fisheries etc.
- Benefits of crop insurance and accident insurance.
- Easy and transparent application process.
- Loan up to 1.60 lakhs without guarantee.
- Facilitation of crop harvesting or after sale.
Some important questions related to the scheme
Q1. Who can apply for a farmer credit card?
- Farmers, cattle rearers, fishermen, joint farmers, self -help groups etc. of 18 to 75 years can apply.
Q2. What is the interest rate on the farmer credit card?
- Generally, 7% is an annual interest rate, the government gives 2% interest subsidy and 3% prompt repayment incentive.
Q3. What is the loan limit of farmer credit card?
- The maximum limit has been increased to ₹ 5 lakh from 2025, in which up to ₹ 1.60 lakh is available without guarantee loan.
Q4. In what works can the farmer credit card be used?
- Seeds, fertilizers, pesticides, agricultural machinery, irrigation, animal husbandry, fisheries, harvesting, storage etc.
Q5. Which documents are necessary for the application?
- Identity card, address proof, agricultural land papers, passport photo, bank passbook etc.
Q6. How to apply for Kisan Credit Card?
- Applications can be made from online (bank website/PM Kisan Portal) or offline (nearest bank branch).
Noted things when applying for the scheme
- All documents should be correct and updated.
- Fill the information correctly in the application form.
- Give additional information or documents sought by the bank on time.
- Pay the loan on time, so that interest rebate can be benefited.
- Use KCC only in agriculture and related activities.
Reality of Kisan Credit Card Scheme
Kisan Credit Card Scheme completely Government and real plan Is, which are taking advantage of crores of farmers of the country. This scheme makes farmers financially empowered and makes farming easier. The government continues to bring improvement and updates in it, which gives more benefits to the farmers. Increasing the loan limit to Rs 5 lakh in 2025 is a big step in this direction.
Disclaimer: The Kisan Credit Card Scheme is a real and government scheme, which aims to provide cheaper and easy loans to farmers for farming. Always apply from authorized bank or government portal to avoid any problem or fraud in the application process and documents. The conditions and benefits of the scheme can be changed by the government from time to time, so make sure to check the latest information before the application.
