Kisan Credit Card (KCC) farmers ko agriculture aur allied activities ke liye banking system se timely credit provide karta hai. The scheme was introduced in 1998, and the Government later expanded its scope to allied and non-farm activities. PIB records that the revised KCC scheme was launched in December 2020.
KCC ke through crop cultivation, post-harvest expenses, produce marketing, household consumption requirements, farm-asset maintenance aur agriculture/allied investment needs ko finance kiya ja sakta hai. RBI ke Master Circular ke mutabik facility Commercial Banks, RRBs, Small Finance Banks aur Cooperative institutions ke through implement hoti hai.
Farmers related information ke liye Desk4Info ke Government Schemes section ko bhi follow kar sakte hain.
Kisan Credit Card 2026: Key Details
| Particular | Details |
|---|---|
| Scheme | Kisan Credit Card (KCC) |
| Introduced | 1998 |
| Purpose | Agriculture and allied credit |
| Eligible Borrowers | Owner cultivators, tenant farmers, sharecroppers, SHGs/JLGs |
| Loan Limit | Need-based; cropping pattern, acreage and Scale of Finance |
| SBI Rate up to ₹3 lakh | 7% p.a., subject to GoI interest subvention |
| SBI KCC Tenure | 5 years, subject to annual review |
| Collateral | Waived by SBI up to ₹2 lakh; up to ₹3 lakh in tie-up arrangements |
| Application | Bank-specific |
SBI ki current KCC page, last updated 5 February 2026, states that there is no fixed minimum or maximum loan ceiling; finance is need-based and depends on cropping pattern, acreage and Scale of Finance.
Eligibility & Credit Assessment
KCC ke liye individual or joint owner-cultivators, tenant farmers, oral lessees, sharecroppers aur eligible SHGs/JLGs apply kar sakte hain. PIB bhi small and marginal farmers, tenant farmers, sharecroppers aur SHGs/JLGs ko eligible beneficiaries ke roop mein identify karta hai.
Age limit ka specific figure supplied official sources mein release nahi kiya gaya hai. Therefore, applicants ko bank ke applicable eligibility rules confirm karne chahiye.
Credit limit fixed amount nahi hota. RBI framework mein crop finance, cultivated area, post-harvest/household requirements, farm maintenance aur insurance-related components ko assessment mein include kiya ja sakta hai.
⚠️ Critical Mandatory Warning: KCC ko “har farmer ko fixed ₹X lakh loan” ke roop mein na samjhein. Actual sanctioned limit bank assessment, cropping pattern, acreage, Scale of Finance, repayment capacity aur applicable rules par depend karti hai.
2025 Budget announcement mein Modified Interest Subvention Scheme ke under KCC loan limit ko ₹3 lakh se ₹5 lakh karne ki announcement ki gayi thi. However, SBI ki current product page abhi bhi its stated interest-subvention rate specifically up to ₹3 lakh par show karti hai; therefore ₹5 lakh ko har KCC account ke liye automatically applicable rate-limit ke roop mein claim nahi kiya jana chahiye.
Application Process & Documents
KCC ka application process bank-specific hai. PIB ke अनुसार simple one-page form mechanism develop kiya gaya tha, aur forms bank websites, agriculture resources aur CSCs ke through facilitate kiye gaye hain.
SBI applicants ko application form, photographs, certified landholding proof, cropping pattern with acreage aur applicable security documents provide karne hote hain. SBI currently YONO-based paperless KCC review facility bhi list karta hai.
Interest, Security & Charges
SBI ke current page par up to ₹3 lakh KCC rate 7% p.a. subject to Government interest subvention diya gaya hai, while prompt repayment incentive 3% p.a. up to ₹3 lakh listed hai. KCC limits up to ₹3 lakh par SBI processing fee Nil list karta hai.
RBI’s later policy change raised the collateral-free agricultural loan threshold to ₹2 lakh per borrower in December 2024.
Red-Flag Application Errors
- Landholding documents mein mismatch na rakhein.
- Cropping pattern aur acreage accurately mention karein.
- Bank-specific security requirements ko ignore na karein.
- Interest-subvention benefit ke liye bank dwara required Aadhaar details submit karein, where applicable.
- Loan limit ko automatic fixed amount na samjhein.
- Purane RBI figures ko current bank terms ke substitute ke roop mein use na karein.
Candidate FAQs
KCC ke liye kaun apply kar sakta hai?
Owner cultivators, tenant farmers, oral lessees, sharecroppers aur eligible SHGs/JLGs KCC ke liye eligible categories mein hain. Final sanction bank ke applicable assessment aur documentation par depend karega.
KCC mein maximum loan kitna mil sakta hai?
SBI ke current page par minimum aur maximum loan ka fixed ceiling nahi diya gaya; limit need-based hai. Cropping pattern, acreage aur Scale of Finance ke basis par assessment hota hai.
KCC par interest rate kitna hai?
SBI ki current information ke अनुसार ₹3 lakh tak 7% p.a., subject to Government interest subvention, listed hai. Prompt repayment incentive bhi applicable conditions ke under listed hai.
Official Departmental Directory
| Resource | Official Access |
|---|---|
| PIB KCC Factsheet | View PIB Factsheet |
| SBI Kisan Credit Card | View SBI KCC Details |
| RBI KCC Circular | View RBI Master Circular |
| CAG-style Government Schemes Reference | Desk4Info Government Schemes |
Editorial Integrity Disclaimer
KCC ke historical framework ke liye supplied RBI Master Circular 3 July 2017 ka hai, while current product-specific information above is cross-checked against SBI’s page updated 5 February 2026.
Government interest-subvention limits, collateral rules aur individual bank rates समय-समय par change ho sakte hain. Application se pehle SBI KCC details ya apne concerned bank ki latest terms verify karein.
