April 28, 2025 · 21 mins read
Santhosh Kumar
The agricultural sector dominates Indian society because most of the population depends on farming for financial stability. The Government of India established the Kisan Credit Card (KCC) scheme for farmer financial support. Through this scheme, farmers receive cost-effective temporary credit, which they can use to purchase seeds, fertilizers, farm equipment, and crop-season household expenses.
Farmers and rural families frequently wonder how to make Kisan Credit Cards. Growth in digital education combined with simpler bank service availability has transformed the application procedure. You can apply for this scheme through Kisan Credit Card as a farmer working independently, those who lease their land to others, and sharecroppers engaged in agricultural farming, animal husbandry, or fisheries activities.
This article presents an organized guide on how to create a Kisan Credit Card, along with eligibility specifications and required paperwork. It also demonstrates both online and offline application methods. Farmers will obtain necessary financial information through this initiative, enabling them to secure timely support independently from informal lenders.
This article demonstrates step-by-step Kisan Credit Card application procedures while explaining eligibility requirements, document needs, and online and offline application methods. The source is a starting point for anyone in the agricultural sector who asks how to obtain a Kisan Credit Card. Understanding how to create a Kisan Credit Card unlocks better financial stability and planning resources for all farmers throughout the nation.
Farmers of all types can obtain easy credit through the Kisan Credit Card (KCC) scheme. You need to check the eligibility requirements for the Kisan Credit Card before submission because the scheme has specific application rules for stakeholders. The Kisan Credit Card scheme extends its benefits to farmers who do not have land ownership. It is open to:
An eligible applicant is any Indian citizen who performs farming or similar activities involving horticulture, animal husbandry, dairy or poultry and fisheries. To start the Kisan Credit Card creation process, check if your activities match the eligible ones.
You qualify for the scheme regardless of owning land because leasing or sharecropping arrangements make you eligible. The program adopts an inclusive structure which serves all working cultivators who want to take advantage of it.
A common credit arrangement enables small or marginal farmers to obtain benefits when they organize themselves into groups for farm operations. The program serves farmers without certified land possessions who practice cultivation.
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The KCC program offers provisions for members of both inland fisheries as well as marine fisheries and animal-based farming enterprises.
The credit application requirements include reaching the age of 18 but remaining below 75. Senior applicants need to provide a legal heir as their co-applicant when applying for KCC benefits.
Applicants who wish to obtain a Kisan Credit Card must present essential identification documentation which proves their location and agriculture participation. The correct document submission prevents delays while speeding up the application review process. Preparation of these documents in advance will simplify your application for a Kisan Credit Card if you seek information about creating a Kisan Credit Card.
For Kisan Credit Card document submission follows this list:
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1: Aadhaar Card
2: Voter ID Card
3: PAN Card
4: Passport
5: Driving License
The identity verification process enables banks to establish your personal information as well as your date of birth.
1: Aadhaar Card (with current address)
2: Ration Card
3: Electricity/Water Bill
4: Bank Passbook with address
5: Voter ID
This confirms your residential address.
1: Land Ownership Papers or Patta
2: Record of Rights (RoR)
3: Lease Agreement (for tenant farmers)
4: A statement issued by Panchayat or local governing bodies demonstrates your status as a farmer.
The presented documentation shows that you practice agriculture and associated professions.
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1–2 recent passport-size photographs
You will require a cancelled check combined with your bank statement.
You need to provide an income certificate or agricultural income proof when wanting to access high-value loans.
Farmers, especially those in rural areas, commonly choose this method as their preferred and trustworthy way to obtain the Kisan Credit Card.
Step 1: Visit the Nearest Bank
People should visit an accessible bank that implements the Kisan Credit Card scheme. A KCC application form is accessible through any of the numerous national banking institutions, including SBI, PNB, Bank of Baroda, and cooperative banks.
Step 2: Collect the KCC Application Form from the bank's staff.
You should obtain the Kisan Credit Card application form directly from the bank's personnel and supply it with entirely correct information.
Step 3: Attach Required Documents
Present all required documents that combine your identity verification materials, address documents, land records, and passport photographs. The list can be found in an earlier section of this document.
Step 4: Finalize your form submission combined with all required documents.
Make sure to give the bank official both the form and related documents. They will verify your details.
Step 5: Verification and Sanction
The financial institution checks your eligibility status while validating the property's land records. A KCC loan limit will be sanctioned when all the required documents are in order.
Step 6: Receive Kisan Credit Card
After getting approval, you will receive your KCC and related documents, including a passbook and ATM card,
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People with internet access can use this speedy electronic application.
Step 1: Visit the PM-Kisan Portal
You should navigate to https://pmkisan.gov.in and select "Apply for KCC" in the Farmer's Corner section.
Step 2: Enter the Aadhaar data and the farmer's personal information.
Input your Aadhaar number and PM-Kisan registration number. Accomplish the required input of personal and farming information.
Step 3: Upload Required Documents
The required files, including ID proofs, address documents, land documentation, and photos, must be scanned and uploaded to the system.
Step 4: Submit the Application
Verify all information before formal submission of the form. The system generates an application tracking number.
Step 5: Bank Follows Up
Your submitted application travels to your select bank institution. The bank performs verification before contacting you to establish any extra steps that require your approval.
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1: A magnetic stripe card with PIN (Personal Identification Number) with an ISO IIN (International Standards Organization International Identification Number) to enable access to all bank’s ATMs and micro-ATMs
2: In cases where the Banks would want to utilize the centralized biometric authentication infrastructure of the UIDAI (Aadhaar authentication), debit cards with magnetic stripe and PIN with ISO IIN with biometric authentication of UIDAI can be provided.
3: Debit Cards with magnetic stripes and only biometric authentication can also be provided depending on the customer base of the bank. Till such time, UIDAI becomes widespread, if the banks want to get started without inter-operability using their existing centralized bio metric infrastructure, banks may do so.
4: Banks may choose to issue EMV (Europay, MasterCard and VISA, a global standard for the interoperation of integrated circuit cards) and RUPAY compliant chip cards with magnetic stripe and pin with ISO IIN.
5: Further, biometric authentication and smart cards may follow the common open standards prescribed by IDRBT and IBA. This will enable them to transact seamlessly with input dealers and also enable them to have the sales proceeds credited to their accounts when they sell their output at mandies, procurement centres, etc
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The following delivery channels are available for the farmers to use Kisan Credit Card and transact their operations in their KCC account:
1: Withdrawal through ATMs or Micro ATM
2: Withdrawal through Business Correspondents (BCs) using smart cards
3: PoS machine through input dealers
4: Mobile Banking with IMPS capabilities or IVR
5: Aadhaar-enabled cards
The Kisan Credit Card scheme immensely benefits farmers by providing loans and credit whenever they require it to undertake agricultural and allied activities. Its scope has also been extended to provide credit for investment purposes by a farmer to cultivate crops, thereby helping farmers obtain a quick amount for their farming activities.
The following are the types of Kisan Credit Cards that can be issued by the banks to farmers:
1: The Kisan Credit Card is a magnetic stripe card with PIN (Personal Identification Number) and an ISO IIN (International Standards Organization International Identification Number) to enable farmers access all bank ATMs and micro ATMs
2: Where the banks want to use the centralised UIDAI biometric authentication infrastructure, debit cards with magnetic stripe, PIN and ISO IIN with UIDAI biometric authentication can be provided.
3: KCC debit cards with magnetic stripes and only biometric authentication can be provided depending on the bank's customer base.
4: Banks can also issue EMV (Europay, MasterCard and VISA), a global standard for the interoperation of integrated circuit cards and RUPAY compliant chip cards with magnetic stripe, PIN and ISO IIN.
5: Biometric authentication and smart cards follow the common open standards prescribed by IBA and IDRBT. This will enable farmers to transact seamlessly with input dealers and credit their sales proceeds to their accounts when they sell output at procurement centres, mandies, etc
6: New KCCs must be issued as smart card cum debit card. Even at the time of renewal of existing KCCs, smart card cum debit card must be isssued to the farmers.
7: Two seperate electronic cards can be issued for all new or renewed cards, until a composite card can be issued under a appropriate software to separately account transactions of the short term credit limit and the term loan limit under the KCC scheme.
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The interest rates of KCC loans are as follows:
1: Interest rates for up to Rs.3 lakhs - 7% p.a. subject to the government providing interest subvention*
2: Above Rs.3 lakhs- as applicable from time to time
3: 3% p.a. interest subvention is provided under the Prompt Repayment Incentive (PRI) up to Rs.3 lakh. However, submission of Aadhaar details to the bank is mandatory to avail interest subvention.
*Note:Italic The interest rates may vary from bank to bank. Though most banks provide an interest rate of 7%, it may increase to 13%.
A Kisan Credit Card (KCC) scheme implements its objective by offering farm loans promptly to farmers across India. The first step to obtaining a Kisan Credit Card requires understanding its benefits and features because you seek information about making or creating such a card.
The Kisan Credit Card includes these important characteristics.
Easy Access to Credit: Farmers can easily obtain loans from banks for agricultural activities, including seed purchases, fertilizer acquisition, and equipment procurement. They can also use loans for personal needs during their farming period. Through this card, farmers gain access to a credit cycle that permits withdrawing funds whenever they require them and returning the money at a later date.
Flexible Repayment Options: The farmer makes payments according to their harvest timing. Farmers earn sufficient time to reimburse their debt through the proceeds of produce sales without experiencing financial hardship.
Low Interest Rates: Interest rates on KCC loans range between 4% and 7% annually. The government grants interest rate benefits to borrowers who make their payments according to schedule.
High Credit Limit: The agricultural sector receives an initial credit limit starting at ₹3 lakhs. Farmers receive increased borrowing power depending on their requirements, payment records, and income from farming and related businesses.
Insurance Coverage: Borrowers with KCC loans benefit from insurance protection through PMFBY (Pradhan Mantri Fasal Bima Yojana) since this scheme protects crops from natural disasters and pest outbreaks. It also protects against diseases.
ATM or Debit Card Facility: A RuPay Kisan Card offered by numerous banks enables farmers to perform ATM or debit card functions. By getting Kisan cards, customers acquire the capability to collect funds from ATMs while also enabling digital payment solutions.
Covers Allied Activities: With KCC credit farmers can conduct horse and cattle raising operations as well as fisheries and support businesses.
Renewable Card: The card's validity period extends to 5 years, yet banks perform simple approval processes following inspections of farmers' payment history and credit reports.
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1: The short-term limit to arrive for the first year: For farmers raising a single crop in a year: Scale of finance for the crop (as decided by District Level Technical Committee) x Extent of area cultivated + 10% of limit towards post-harvest / household/consumption requirements + 20% of limit towards repairs and maintenance expenses of farm assets + crop insurance, PAIS & asset insurance.
2: Limit for second & subsequent year: First-year limit for crop cultivation purposes arrived at as above plus 10% of the limit towards cost escalation/increase in the scale of finance for every successive year ( 2nd, 3rd, 4th and 5th year) and estimated Term loan component for the tenure of Kisan Credit Card, i.e., five years.
3: For farmers raising more than one crop in a year, the limit is to be fixed as above depending upon the crops cultivated as per the proposed cropping pattern for the first year and an additional 10% of the limit towards cost escalation/increase in the scale of finance for every successive year (2nd, 3rd, 4th and 5th year). It is assumed that the farmer adopts the same cropping pattern for the remaining four years also. In case the cropping pattern adopted by the farmer is changed in the subsequent year, the limit may be reworked.
4: Term loans for investments towards land development, minor irrigation, purchase of farm equipment and allied agricultural activities. The banks may fix the quantum of credit for the term and working capital limit for agricultural and allied activities, etc., based on the unit cost of the asset/s proposed to be acquired by the farmer, the allied activities already being undertaken on the farm, the bank’s judgment on repayment capacity vis-a-vis total loan burden devolving on the farmer, including existing loan obligations.
5: The long-term loan limit is based on the proposed investments during the five-year period and the bank’s perception of the repaying capacity of the farmer
6: Maximum Permissible Limit: The short-term loan limit arrived for the 5th year plus the estimated long-term loan requirement will be the Maximum Permissible Limit (MPL) and treated as the Kisan Credit Card Limit.
1: Short-term loans and term loans are governed by different interest rates. Besides, at present, short-term crop loans are covered under Interest Subvention Scheme/ Prompt Repayment Incentive scheme. Further, repayment schedules and norms are different for short-term and term loans. Hence, in order to have operational and accounting convenience, the card limit is to be bifurcated into separate sub-limits for short-term cash credit limit cum savings account and term loans.
2: The drawing limit for short-term cash credit should be fixed based on the cropping pattern and the amounts for crop production, repairs and maintenance of farm assets and consumption may be allowed to be drawn at the convenience of the farmer. In case the revision of the scale of finance for any year by the district-level committee exceeds the notional hike of 10% contemplated while fixing the five-year limit, a revised drawable limit may be fixed and the farmer is advised about the same. In case such revisions require the card limit itself to be enhanced (4th or 5th year), the same may be done and the farmer be so advised. For term loans, instalments may be allowed to be withdrawn based on the nature of the investment and the repayment schedule drawn as per the economic life of the proposed investments. It is to be ensured that at any point in time, the total liability should be within the drawing limit of the concerned year.
3: Wherever the card limit/liability so arrived warrants additional security, the banks may take suitable collateral as per their policy.
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Farmland owners who obtain Kisan Credit Cards (KCCs) should know that the program provides affordable credit through specific charges the borrowers will encounter during the transaction process. Bank-by-bank variations determine the different fees corresponding to the loan amount issued. The clarity about costs enables better planning for acquiring a Kisan Credit Card.
Processing Fees: Public-sector financial institutions grant free processing fee exemptions on Kisan Credit Card loans up to ₹3 lakhs. Private banks may enforce bank fees between ₹200 and ₹1,000, which scale according to the loan sum.
Documentation Charges: In most financial institutions, the fees for banking documentation services range from ₹100 to ₹500. Stamp duty and documentation expenses are included in this category.
Insurance Premium: Most KCC holders receive crop insurance scheme coverage through PMFBY by default. The government often pays part of the premium which banks charge according to crop types.
Renewal Fees: The KCC loan schedule is active for five years. Following the standard period of validity, a reassessment charge between ₹200 and ₹500 will become applicable.
Late Payment Penalty: A delayed repayment will incur penalty interest between 2% and 4%, calculated on top of the standard interest rate. The payment must be timely because failure to meet deadlines creates penalties.
Miscellaneous Charges: The bank's policies determine miscellaneous fees, which include duplicate card fees, ATM charges, and account administration costs.
The primary security for financing under the Kisan Credit Card is the hypothecation of crops grown or assets to be created. Banks will waive margin or security requirements for loans up to Rs. 1 lakh. Applicants may have to provide collateral at the discretion of the bank for loan limits above Rs.1 lakh in case of non-tie-up and above Rs.3 lakh in case of tie-up advances. The collateral can be an equitable mortgage, registered mortgage of land, or immovable property as applicable to the value of a 100% loan.
However, collateral is waived for a limit up to Rs.3 lakhs, in case of tie up arrangement. Banks may also consider sanctioning loans on hypothecation of crops up to a limit of Rs.3 lakh without taking any collateral security.
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A Kisan Credit Card serves a designated period after which its benefits expire until a renewal process keeps the facility active. Every farmer who wants to create and maintain an active Kisan Credit Card requires information about its validity and renewal procedures.
The admission period for Kisan Credit Cards usually extends to five years. Over the lifetime of five years, the cardholder obtains access to multiple uses of their authorized credit limit based on their agricultural production needs and financial situation. The banking institution assesses Kisan Credit Card credit limits each year to account for inflation rates, repayment habits, and modifications to farming techniques.
Banks provide short-term Kisan Credit Cards for single crop seasons to new applicants and participants of special schemes.
After its five-year period, different parties must renew the Kisan Credit Card for continued access to loan benefits. The procedure to renew Kisan Credit Cards requires banks to evaluate borrowers through credit history checks simultaneously with landholding surveys, income examinations, and loan payment performance assessments. The bank approves card renewal now, either with the current loan limit or by expanding it.
To renew your KCC:
1: Visit your bank branch.
Users must share revised land documentation, agricultural information, and payment evidence with the banking institution.
The renewal procedure requires you to complete a basic application form.
Your request for bank confirmation and permission goes through until approval is obtained.
The timely renewal process of your credit card maintains continuous access to financing and ensures that your card stays active. Potential applicants or current Kisan Credit Card holders should note their renewal dates and demonstrate good loan repayments to ensure the process remains simple.
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The Kisan Credit Card is a strategic financial instrument that delivers farmers across India readily available short-term funding for agricultural and related operations. The KCC stands ready to assist agri-business owners operating in farming management and fisheries sectors for expense control and informal credit independence.
Learning how to make a Kisan Credit Card can now be accomplished through user-friendly online and offline processing methods. The success of Kisan Credit Card applications depends on farmers who prepare the necessary documentation, select the proper bank, and follow the proper procedure steps. Learning about eligibility criteria, credit limits, fees, and the renewal timing date is crucial for properly handling the Kisan Credit Card.
The process of creating a Kisan Credit Card requires users to understand the repayment terms, insurance benefits, and interest rate subsidies associated with the card. By renewing the Kisan Credit Card on time and making disciplined repayments, farmers can build a better credit history and develop greater borrowing potential in upcoming years.
The Kisan Credit Card is more than an agricultural loan because it provides financial stability to rural India. To secure a safe customer experience, apply for Kisan Credit Card services only via official and trusted government platforms and banks. This guide aims to address every significant requirement of borrowers regarding how to make Kisan Credit Cards with simple and easy-to-understand explanations.
Consumers need to apply for a Kisan Credit Card at their nearest branch of Bank of Baroda, PNB, or SBI by completing the application form and submitting identification documents consisting of their Aadhaar card, proof of land ownership, and a passport photo. The financial institution will verify the provided details, which will enable them to issue the card to you.
Users can develop Kisan Credit Cards using the PM-KisanPortal. Complete the application form under the KCC section and submit the necessary documents to complete the submission process. The financial institution selected by the bank will contact you to perform verification.
All farmers of Indian nationality who work as tenant farmers, sharecroppers, or participate in fisheries or animal husbandry can apply for a Kisan Credit Card. Kisan Credit Cards can be issued to Self-Help Groups or Joint Liability Groups that meet the requirements.
Changes in Kisan Credit Card (KCC) loan amounts depend on three criteria, which include landholding sizes, crop types, and estimated cultivation costs. The minimum KCC loan amount starts at ₹10,000, but it extends higher than ₹3 lakhs for bigger operations. Banks determine eligible credit limits by evaluating input costs, assessing cropping patterns, and checking repayment histories. The adaptable funding scheme gives farmers sufficient money for agricultural and related seasonal work.
Through financial support from the government, borrowers can receive an interest subsidy rate of 2% in addition to 3% more for prompt payments, which results in an effective 4% rate.
The Kisan Credit Card (KCC) functions for five years, starting from its issuance date. Farmers who have secured Kisan Credit Cards receive access to loans under their banking approvals during the five-year term. Five years of validity establish KCC but farmers must renew it before expiration. Land records, crop details, and repayment history need to be sent to the issuing bank for KCC renewal purposes. By renewing KCC on time farmers can keep the financial privileges of access to credit alongside interest subsidies and these additional benefits continuously.
The majority of Kisan Credit Card holders gain free enrollment in public insurance programs, including Pradhan Mantri Fasal Bima Yojana (PMFBY) coverage to secure agricultural harvests and personal accident insurance for the user. Coverage through KCC exists to provide financial safety to its holders against natural calamities, death/disability accidents, and crop-growing failure events. Premiums for these insurance products remain low since part or all government subsidies support their costs. Implementing insurance programs protects the KCC from uncertain agricultural threats and strengthens its advantages for farmers.
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