Kisan Credit Card, Eligibility Criteria, Features & Objectives, Apply Online

The Kisan Credit Card scheme is a government program that provides timely credit to farmers. With the Kisan Credit Card (KCC) scheme, farmers can obtain short-term credit for cultivation and non-farming expenses. Moreover, farmers can obtain low-interest loan financing from financial institutions through this provision. For more details, users can visit the official website. (

Kisan Credit Card

Farmers in India are given short-term loans through the Kisan Credit Card scheme to help them reduce the financial burden of agricultural production and maintenance. A credit limit will be determined based on cultivated crops, maintenance expenses, and financial margins. The limit offered to marginal farmers is between INR 10,000 and INR 50,000. Specialized credit facilities are beneficial to farmers, especially when they use them as a backup for their farming operations.

It is also called the Pradhan Mantri Kisan Credit Card Yojana. Credit cards are offered by commercial banks, state cooperatives, and regional rural financial institutions. Here’s what you need to know about Kisan Credit Cards, their eligibility, the documents required, and application procedures.

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Scheme Kisan Credit Card (KCC)
Objective Reducing financial burdens during agricultural production
Mode of application Both online and offline
Official website

Kisan Credit Card Features and Objectives

Kisan Credit Card Loan aims to provide low-interest loans to farmers. Farmers traditionally relied on high-interest money lenders who were strict about due dates and charged high rates of interest. Farmers faced a number of challenges as a result, especially when calamities like hailstorms and droughts struck.

  • As low as 2.00% may be offered on the loan
  • For loans up to Rs. 1.60 lakhs, banks will not ask for a security
  • Farmers are covered against a range of calamities by crop insurance
  • Besides permanent disability insurance, the farmer is also covered for death and other risks
  • Repayment periods are determined by harvesting and marketing the crop
  • A cardholder is allowed to take out up to Rs. 3.00 lakh in loans.
  • The Kisan Credit Card offers high-interest rates to farmers who deposit their money into the account.
  • A simple interest rate is charged to farmers who make prompt payments.
  • If a cardholder fails to pay on time, compound interest will be charged.

Kisan Credit Card

Kisan Credit Card Eligibility criteria

Credit cards are available to anyone involved in agriculture, allied activities, or other non-farming activities. These are the detailed eligibility criteria for Kisan Credit Cards:

  • Minimum age – 18 years
  • Maximum age – 75 years
  • Borrowers over 60 years of age require a co-borrower, who should be a legal heir to the borrower
  • Any farmer who cultivates his own land.
  • Individuals who are members of a group and are joint borrowers. The group must include owner-cultivators.
  • KCCs are available to sharecroppers, tenants, or oral lessees.
  • Self-help groups (SHGs) or joint liability groups (JLGs) of sharecroppers, farmers, or tenants.
  • Farmers who produce crops or engage in allied activities such as animal husbandry or outdoor activities such as fishing.

Documents required for Kisan Credit Card scheme:

  • The application form has been completed and signed.
  • Copies of identity proofs, such as Aadhaar cards, PAN cards, voter IDs, driving licenses, etc.
  • Copies of documents proving address, such as Aadhaar cards, PAN cards, voter ID cards, and driving licenses. Valid proof must contain the applicant’s current address.
  • Documents related to land.
  • An applicant’s passport-sized photograph.
  • Additional documents, such as the PDC requested by the bank issuing the loan.

How to apply for the Kisan Credit Card

Applicants for the Kisan credit card can apply online or offline.


  • Log on to the website of the bank where you wish to apply for the Kisan Credit Card.
  • Select the Kisan Credit Card from the available options.
  • Once you click on the option of ‘Apply’, the webpage redirects you to the application form.
  • Complete the form and click the ‘Submit’ button.
  • You will receive an application reference number after submitting your application.
  • If you qualify, the bank will contact you within 3-4 workdays to discuss the next steps.


  • Alternatively, you can download the application form from the bank website or visit the branch of the bank of your choice to complete an offline application.
  • A branch representative can assist applicants with the application process.
  • As soon as the formalities are complete, the bank’s loan officer can assist the farmer in getting a loan.
  • If the loan amount exceeds Rs. 1.60 lakhs, the loan officer will ask for security after considering all factors.
  • As soon as the processing is complete, the farmer will receive a Kisan credit card

How to check Kisan Credit Card balance?

The application procedure for Kisan Credit Cards has now been made online, so you can apply from any bank issuing KCCs.

  • You can check your Kisan Credit Card balance by contacting the customer care department of the bank where you got it.
  • The Kisan Credit Card’s balance can also be checked via the bank’s website by logging in to the bank’s portal. check here for more government schemes jksidco

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