India’s farmers have long been the backbone of the nation’s economy. To support them financially, the government continues to offer beneficial schemes—one of the most powerful being the Kisan Credit Card (KCC) Loan Scheme. In 2025, farmers can now avail up to ₹5 lakh in loan at just 4% interest rate under this initiative, making it an excellent time to apply.
Whether you’re a marginal farmer, tenant, livestock owner, or someone involved in fisheries or horticulture, the KCC loan can help you meet your financial needs for crops, farm inputs, equipment, and even emergencies.
🔷 What is the Kisan Credit Card (KCC) Scheme?
The Kisan Credit Card was launched in 1998 by the Government of India and NABARD (National Bank for Agriculture and Rural Development). It provides short-term credit to farmers to cover seasonal agricultural needs.
The scheme is now integrated with PM Kisan Yojana and includes not just crop loans, but also working capital for allied activities such as:
- Animal husbandry
- Poultry farming
- Fisheries
- Farm machinery and irrigation
- Post-harvest expenses
🔶 Loan Amount & Interest Rate 2025
- Minimum Loan Amount: ₹10,000
- Maximum Loan Limit: ₹5,00,000 (based on land and crop details)
- Interest Rate:
- Base rate: 7% per annum
- With timely repayment and government subsidy: Effective interest rate is only 4%
This 3% interest subsidy is provided by the central government for farmers who repay the loan on time.
🔷 Eligibility Criteria for KCC Loan
To apply for the Kisan Credit Card Loan, the applicant must meet the following criteria:
- Applicant must be an Indian citizen
- Age: Between 18 to 75 years
- Profession:
- Owner cultivators of agricultural land
- Tenant farmers, oral lessees
- Sharecroppers
- Dairy, fishery, poultry farmers
- Joint liability groups (JLGs) and self-help groups (SHGs) are also eligible
For applicants above 60 years, a co-borrower (legal heir) is mandatory.
🔶 Documents Required for Kisan Credit Card Loan
Here’s the list of documents you’ll need:
- Aadhaar Card
- Voter ID or PAN Card (any identity proof)
- Land ownership documents / lease agreement
- Bank account passbook
- Passport-sized photographs
- Income certificate or crop details (if required)
- KYC form from the bank
Some banks may ask for additional documents depending on your loan amount and landholding size.
🔷 Key Benefits of KCC Loan
✔️ Low interest rates (effective 4% with subsidy)
✔️ Flexible loan amount up to ₹5 lakh
✔️ No collateral required for loans up to ₹1.6 lakh
✔️ Crop insurance coverage under PMFBY
✔️ Easy withdrawal via KCC-enabled ATM or Rupay card
✔️ Working capital support for multiple agricultural and allied activities
✔️ Interest subsidy of 3% for timely repayment
✔️ Loan tenure: Up to 5 years with annual renewals
🔶 Where to Apply for KCC Loan?
You can apply for a Kisan Credit Card at the following institutions:
- Public sector banks (SBI, PNB, BoB, etc.)
- Private banks (ICICI, HDFC, Axis Bank, etc.)
- Regional rural banks (RRBs)
- Co-operative banks
- Small finance banks
🔷 How to Apply for KCC Loan Online in 2025?
Step-by-Step Process:
- Visit the official portal – https://pmkisan.gov.in or the website of your preferred bank
- Click on “Apply for KCC”
- Fill in the online application form
- Upload required documents in PDF or image format
- Submit the application for verification
- Once approved, visit the bank to collect your KCC card
You can also apply through Common Service Centres (CSC) near your village.
🔶 Offline Application Process
If you prefer the traditional method:
- Visit your nearest bank branch with all necessary documents
- Ask for the Kisan Credit Card loan application form
- Fill in details about your landholding, crop, or allied activities
- Submit the form and documents
- The loan officer will verify the details and approve the loan
- You will receive a physical Kisan Credit Card, ATM/RuPay card for withdrawals
🔷 Loan Repayment & Renewal
- Tenure: Most KCC loans are given for up to 5 years
- Repayment is flexible and often linked to the harvest season
- KCC holders must renew their card every year by updating crop details
- If you repay on time, you continue to get interest subsidies
Failure to repay can result in penalty interest rates and removal of subsidy.
🔶 Government Support: Interest Subsidy
The Government of India provides:
- 2% interest subvention to all farmers
- Additional 1% subsidy for timely repayment, making the total benefit 3%
- The effective interest rate becomes just 4%
This scheme is a part of the Atmanirbhar Bharat Abhiyan and PM Kisan initiatives to uplift small and marginal farmers.
🔷 Common Uses of KCC Loan
Farmers use the KCC loan for various purposes:
- Buying seeds, fertilizers, pesticides
- Irrigation and water pump installations
- Farm equipment purchase (like tractors)
- Livestock feed and medicines
- Greenhouse or polyhouse set-up
- Repairs or upgrades to farm machinery
- Emergency personal needs
✅ Conclusion: A Golden Opportunity for Farmers
The Kisan Credit Card Loan Scheme 2025 is a farmer-friendly, low-interest credit facility that empowers millions of cultivators and rural entrepreneurs. With loans up to ₹5 lakh at just 4% effective interest, the KCC loan offers unmatched financial flexibility.
If you’re a farmer or associated with agriculture, don’t miss this opportunity. Visit your nearest bank or apply online and secure your KCC today. Timely access to credit means better yields, improved income, and financial freedom.
Leave a Comment