Kisan Credit Card Status Check 2026: Credit Limit, Interest Rate and Application Tracking

Reviewed on: 2026-06-19.

Rs 3 lakh of crop credit, available as a revolving cash account at 4 percent effective interest for farmers who repay on time - that is the financial core of the Kisan Credit Card scheme. Many farmers who qualify are unsure where their KCC application stands or what the actual credit limit will be. This guide covers both: the scheme's key numbers and the three routes for tracking an application.

KCC is not a one-time loan. It is a revolving cash credit account - the farmer draws money during the crop cycle and repays after harvest. Key features confirmed on the SBI KCC page at sbi.bank.in:

• Credit limit: Calculated by the District Level Technical Committee based on your cropping pattern, acreage, and the Scale of Finance fixed for your district. No two KCC limits are identical.
• Collateral-free limit: Per SBI's current KCC page, collateral is waived up to Rs 2 lakh (up to Rs 3 lakh for tie-up arrangements). Confirm the threshold with your lending bank.
• Base interest rate: 7 percent per annum for loans up to Rs 3 lakh, with government interest subvention active.
• Prompt Repayment Incentive (PRI): 3 percent per annum for farmers who repay on time, bringing the effective rate to 4 percent.
• Allied activities: KCC covers post-harvest expenses and consumption needs, not only the crop cycle.
• Above Rs 3 lakh: Interest at 3.25 percent above the bank's 1-Year MCLR; collateral required.

The 4 percent rate is conditional. Late repayment means the full 7 percent applies and the PRI benefit lapses for that crop cycle.

The Government of India ran a dedicated campaign to ensure every PM-KISAN beneficiary who is eligible also receives a KCC. The PM-KISAN portal at pmkisan.gov.in carries:

• A downloadable KCC application form for PM-KISAN beneficiaries.
• The Kisan-eMitra chatbot, which answers queries about both PM-KISAN instalments and KCC eligibility.
• The “Know Your Status” tool for registered farmers to verify their registration and eKYC status.

eKYC is mandatory for PM-KISAN farmers and is directly relevant to KCC because lenders use the Aadhaar-based identity verification that eKYC establishes. If your Aadhaar is not active or your eKYC is pending, complete it at your nearest Common Service Centre or on the PM-KISAN portal before submitting a KCC application. A pending eKYC is one of the most common reasons a PM-KISAN beneficiary's KCC request stalls before it even reaches the bank.

If your name does not appear on the PM-KISAN beneficiary list at all, resolve that first - the PM-KISAN name not in list guide covers the correction and grievance steps.

KCC is sanctioned by the lending bank, not by a central government portal. There is no single national dashboard that shows every farmer's KCC status in real time. Which route you use depends on how you applied.

Route 1 - Applied at a bank branch (most common)

This remains the primary route for most farmers.

1. Collect the acknowledgement slip or application reference number the branch gave at submission.
2. Visit the branch and ask the agricultural credit officer for current status.
3. For SBI farmers: log in to YONO or SBI net-banking to check whether a KCC cash credit account has been opened.
4. Check your passbook. Sanction creates a separate cash credit account; the passbook entry is the clearest confirmation.

If more than 30 days pass without a decision, visit the branch and request a written status update.

Route 2 - Applied digitally via JanSamarth

JanSamarth is the Government of India's national portal for digitally applying to government-sponsored loan schemes, including KCC. Farmers who initiated their KCC application through JanSamarth can log back in with their registered mobile number and check the application tracker for status updates. The portal routes applications to the bank selected at the time of application, so final sanction is still the bank's decision.

Union Bank of India operates a dedicated KCC straight-through processing portal at kccnew.unionbankofindia.bank.in for eligible borrowers. Other participating public sector banks similarly provide net-banking status tracking for pending agricultural loan applications.

Route 3 - PM-KISAN saturation drive applicants

Farmers who were approached under the PM-KISAN KCC saturation campaign and filled in a simplified KCC form at a bank camp or Common Service Centre should:

1. Check their status on the Kisan-eMitra chatbot on pmkisan.gov.in.
2. Visit the bank whose agent collected the application.
3. Call the PM-KISAN helpline at 155261 and ask for KCC application status by their PM-KISAN registration number.

KCC is available to individual or joint farmers who own or lease agricultural land, tenant farmers, oral lessees, sharecroppers, and self-help groups or joint liability groups. Allied activity farmers (animal husbandry, fisheries) are also eligible under the expanded programme. Age limit is typically 18 to 75 years; verify with your bank.

Core documents required (per SBI's published list):

1. Completed KCC application form and two photographs.
2. Revenue-certified proof of landholding, or lease agreement for tenant farmers.
3. Cropping pattern with acreage details.
4. Aadhaar and PAN (or Form 60 where PAN is unavailable).

PM-KISAN beneficiaries applying under the saturation drive can use the simplified single-page form at pmkisan.gov.in, which draws on data already in the system.

KCC covers crop production and allied farm expenses. Farmers who also run a small agri-related enterprise - a dairy unit, a processing shed, or a retail input shop - may separately qualify for a MUDRA loan for that non-farm activity. The MUDRA loan status guide covers the tracking steps for that route.

KCC accounts are typically linked to the Pradhan Mantri Fasal Bima Yojana (PMFBY). The crop insurance premium is automatically deducted from your KCC account. If you believe your crop insurance claim has not been processed, the PMFBY claim status guide has the full tracking steps. Do not confuse a pending insurance claim with a pending KCC sanction - these are separate processes even when linked to the same KCC account.

Visit the branch and submit a written request for the application status citing your application reference number. If the branch does not respond within a further 15 days, escalate in writing to the bank's regional or zonal office for agriculture credit. You may also approach the Banking Ombudsman if the bank does not give any reply. Note your complaint reference number at every stage.

No. Rs 3 lakh is the ceiling for the government interest subvention benefit - not a fixed entitlement. Your actual limit is calculated by the District Level Technical Committee based on the Scale of Finance for your district, the crops you grow, and the acreage you cultivate. A farmer with one acre of paddy in a district with a low Scale of Finance may receive a limit well below Rs 1 lakh. Ask your bank for the Scale of Finance applicable to your crops and district.

No. The 4 percent effective rate (7% minus the 3% Prompt Repayment Incentive) is applied only if you repay your short-term KCC dues by the due date each year. Late repayment means the full 7 percent interest applies, and you lose the PRI benefit for that crop cycle.

The physical card is issued by the lending bank, not by a central agency. Contact your home branch and ask for the card and passbook for your KCC cash credit account. In many rural branches, the “card” is effectively a passbook-linked cash credit account accessed directly at the branch counter.

Yes. Tenant farmers, oral lessees, and sharecroppers are eligible. The document requirement differs: instead of a patta or land record, the farmer may be required to produce a lease agreement or a declaration of cultivation verified by the local revenue authority. Ask the branch for the specific documents accepted in your district.

No. PM-KISAN registration makes you a target beneficiary under the saturation campaign, but it does not automatically create a KCC. You must still submit an application at a participating bank or through the PM-KISAN portal, and the bank must independently sanction the credit after assessing your landholding and cropping pattern. If your PM-KISAN status itself shows issues, consult the PM-KISAN name not in list guide first.

The PM-KISAN helpline at 155261 handles KCC queries for PM-KISAN beneficiaries. For KCC issues with specific banks, contact that bank's agricultural credit helpline or visit the branch directly. NABARD's helpline (1800-200-1091) can be used for escalation where the lending bank is a cooperative or regional rural bank.

File an RTI to: the lending bank's nodal officer; escalate to NABARD / Department of Financial Services

• What is the current status of KCC application reference number [your reference] submitted on [date] at [branch name]?
• On which date was the application received, processed, and a credit decision communicated to the applicant?
• What is the sanctioned credit limit, and how was it calculated with reference to the Scale of Finance and acreage declared?
• If the application was rejected, provide the specific reason and the regulatory provision relied upon for rejection.
• What amount of interest subvention and Prompt Repayment Incentive has been credited to my KCC account in the current financial year, and on which date?

→ Use our free AI RTI Drafter to generate a complete Section 6(1) application.

• JanSamarth - National Portal for Government-Sponsored Schemes (digital KCC application and tracking): jansamarth.in
• PM-KISAN portal (KCC form, Kisan-eMitra chatbot, Know Your Status): pmkisan.gov.in
• SBI Kisan Credit Card product page (credit limit, collateral threshold, interest rates, PRI): sbi.bank.in
• Union Bank KCC STP portal (online KCC application for Union Bank customers): kccnew.unionbankofindia.bank.in

By Dr. Shrawan Kumar Pathak