Kisan Credit Card Yojana- Launched by the Government of India, the scheme is designed to meet the credit needs of farmers for agricultural operations, including crop production, purchasing inputs like seeds, fertilizers, pesticides, and buying agricultural machinery such as tractors and pumps. With the benefit of government subsidies, including a 2% interest subvention and a 3% rebate for prompt repayment, the effective interest rate is often as low as 4%.
A government scheme that offers timely and affordable credit to farmers for agricultural needs such as crop production, seeds, fertilizers, and equipment. Launched to reduce farmers’ dependency on high-interest loans, the KCC provides loans at a 7% interest rate, which can go down to 4% with subsidies and prompt repayment.
Kisan Credit Card Yojana 2025
The main objective of the Kisan Credit Card Yojana is to ensure that farmers have access to affordable credit to boost agricultural productivity and meet the growing demands of the farming sector. The scheme facilitates quick loans at low-interest rates, generally around 7% per annum. This significantly reduces the financial burden on farmers and encourages them to repay loans on time.
Farmers can apply online through bank websites or offline by visiting branches. Eligible applicants must be between 18 to 75 years of age and engaged in farming activities with a minimum loan need of ₹5,000. Required documents include Aadhaar card, PAN card, passport-size photo, land records, and crop details. The KCC remains valid for five years, helping farmers manage both pre- and post-harvest expenses efficiently.
Highlights of Kisan Credit Card Yojana 2025
| Scheme Name | Kisan Credit Card Yojana |
| Objective | To provide adequate and timely credit to farmers for agricultural operations. |
| Application Process | Online (Available on the official websites of various banks offering KCC) |
| Age Limit | Minimum 18 years and maximum 75 years |
| Interest Rate | 7% per annum (Effective rate becomes 4% with government subsidies and incentives) |
| Eligibility | Must be a farmer, with a minimum production loan requirement of ₹5,000 |
| Required Documents | PAN card, Aadhaar card, passport-sized photo, land records, and crop information |
| Category | Govt Schemes |
| Validity of KCC | 5 years |
About Kisan Credit Card Yojana
The Kisan Credit Card (KCC) Yojana is a government initiative aimed at providing easy access to financial support for farmers in India. The KCC offers farmers a timely and affordable solution to manage both pre and post-harvest expenses, reducing their dependency on informal and high-interest sources of credit.
Read More:- Pradhan Mantri Van Dhan Yojana
Kisan Credit Card Yojana Apply Online Benefits
- Kisan Credit Card has many benefits for farmers that make it an important tool. Let us take a look at these benefits.
- Farmers get instant loan at low interest rate through KCC, which helps them to meet the farming requirements.
- Farmers get loan for sowing crops, purchasing fertilizers, seeds and pesticides through Kisan Credit Card.
- With the help of Kisan Credit Card (KCC), farmers can buy tractors, pump sets and other agricultural equipment.
- Short term loans for agriculture meet the needs of cultivation of crops.
- It helps farmers to handle post-harvest expenses.
- Loan is provided for distribution of produce.
- Helps the farmer family in satisfying the needs.
- Working capital is provided for managing agricultural assets and agriculture-related activities.
- Investment for agriculture and allied activities meets the loan requirement.
Kisan Credit Card Yojana Apply Online Eligibility
To apply for a Kisan Credit Card, the following eligibility criteria must be met:
- Being a farmer: The applicant must be a farmer, who is engaged in farming or agricultural activities.
- Production loan requirement: The farmer must take a production loan of at least ₹5,000.
Required Documents
- PAN card of the applicant
- Aadhaar card of the applicant
- Passport size photo of the applicant
Read This:- Lakhpati Didi Yojana
Kisan Credit Card Yojana Apply Online Online Application
The facility to apply for Kisan Credit Card is available in almost all banks. So let’s know what is the process of applying for Kisan Credit Card.
- Before applying, go to the website of the bank for which you want Kisan Credit Card Yojana.
Choose the Kisan Credit Card option. - After that, when you click on the option of ‘Apply’, the website will redirect you to the Kisan Credit Card Apply application page.
- Fill the form with the required data there and click on ‘Submit’.
- When you do this work, you will be sent an application reference number.
- If you are eligible, the bank will contact you within three to four working days for further processing.
Apply Online Offline Application
- Go to the bank branch and get the Kisan Credit Card application form from there.
- Or else, you can also download the application form from the bank’s website.
- After that, with the help of the bank representative, you can start the application process.
- They will provide you all the required information and you can fill the form with the required information and documents as per the instructions given by them.
Also Check:- PM Kisan Beneficiary List
Conclusion
The Kisan Credit Card Yojana plays a crucial role in empowering farmers by providing easy access to affordable credit for agricultural activities. With its low-interest rates and quick loan disbursement, the scheme helps farmers meet their financial needs, enhance productivity, and manage both pre and post-harvest expenses. By offering both online and offline application processes, it ensures that farmers across India can benefit from this initiative, contributing to the growth and sustainability of the agricultural sector.
Kisan Credit Card Yojana FAQ’S
What is the Kisan Credit Card Yojana?
It’s a scheme providing financial support to farmers for agricultural activities.
Who is eligible for the Kisan Credit Card?
Farmers engaged in agriculture, with a minimum loan requirement of ₹5,000.
What is the interest rate on the Kisan Credit Card?
The interest rate is 7% per annum, reduced to 4% with government incentives.
What documents are required for applying?
PAN, Aadhaar, passport-sized photo, land records, and crop-related information.
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