Get Low-Interest Loans Through KCC — Eligibility, Application & Full Details

KCC: After the 21st release of the PM Kisan Yojana on Wednesday, November 19, 2025, Prime Minister Narendra Modi brought up another helpful initiative, the Kisan Credit Card (KCC). He mentioned that this year, over Rs 10 lakh crore in financial aid has been given to farmers through the KCC. If you’re thinking about applying for a KCC, we’ll guide you through the application process and other important details…

What is Kisan Credit Card?

The Kisan Credit Card (KCC) scheme was introduced in 1998 to help farmers access affordable loans. With KCC cards, farmers can buy essential items like fertilizers, urea, and pesticides. Loans from KCC cards usually come with lower interest rates compared to other types of loans.

What are the benefits of Kisan Credit Card?

The Kisan Credit Card provides quick funds for crop sowing.
It alleviates concerns about expenses after harvest.
KCC is also beneficial for those needing funds for storage.

Special features of the Kisan Credit Card Scheme

Quick loan approval of up to Rs 3 lakh through KCC.
The limit increases by 10% each year for five years.
A 1.5% interest rebate from the government.
Early payment also earns an interest rebate.

Who is eligible for Kisan Credit Card?

Farmers cultivating their own land.
Farmers involved in sharecropping.
Self-help groups or joint liability groups of farmers.
The Yogi government has made a significant announcement for the elderly; they no longer need to fill out forms, as pension funds will be directly credited to their accounts.

What documents will be required for the application?

Application Form
Aadhar Card
Address proof
Crop details
Passport size photo
Identity card

How to apply for Kisan Credit Card?

• First of all, go to the official website of the bank from which you want to get KCC made.
• For example, if you choose SBI, then select agriculture and rural from the portal.
• You will see the option of ‘Kisan Credit Card’ by clicking on agriculture banking.
• You will get complete information about KCC here.
• Here you will also get the option to download the application form.
• Download the form and fill in all the correct information in it.
• After filling the form, attach all the necessary documents with it.
• After this, you have to go to the bank and meet the concerned officer and submit the form to him.