Kisan Credit Card (KCC) — crop loan up to Rs 3L @ 4% (2026)

• Indian farmer with cultivable land
• Tenant farmers + sharecroppers also eligible
• Animal husbandry + fishery activities covered
• Aadhaar + bank account

Working capital loan up to Rs 3 lakh per acre (depending on crop). Effective interest 4% after 2% interest subvention + 3% prompt-repayment incentive (PRI). 5-year card validity. Auto-renewable.

1. Visit any bank branch — PSU banks have lowest rates.
2. Submit application + land record — Form 7-A + Khasra/Khatauni + Aadhaar.
3. Bank assesses cropping pattern + scale of finance — Limit set per acre × crops.
4. Card issued in 14 days — Statutory deadline.
5. Use card at ATMs / POS / branch — Up to sanctioned limit.
6. Repay before crop cycle end — 4% effective rate if paid in time.

• Aadhaar
• Land record (Khasra / Khatauni / 7-12)
• Bank account
• Existing crop loan letters (if any)

Card issuance: 14 days statutory.

• Official portal: pmkisan.gov.in/kcc
• Helpline: NABARD: 1800-200-1255

• Application stuck > 14 days — file RTI to State Lead Bank.
• Limit too low — re-apply with higher cropping plan.
• Bank denies citing risk — try multiple banks; SLBC coordinator helps.
• Default penalty — interest reverts to 7% bank rate; lose subvention.

Most “delays” or “rejections” clear within 7-15 days of an RTI being filed. Use this 5-question template:

1. Status of my application no. _____ dated _____ as on date.
2. Name + designation of dealing officer assigned to my file.
3. Reasons for delay beyond the statutory timeline.
4. Copy of any noting / movement of my file in the past 30 days.
5. Likely date of disbursement / decision.

Auto-fill the PIO + your case: Open the AI RTI Drafter →

More schemes for you: All farmers schemes

Yes — Patwari/lekhpal certifies tenant status.

Yes for high-value crops; per-acre × scale of finance set by State Level Bankers Committee.

File RTI to State Lead Bank + DCC (District Credit Committee).

• All Sarkari Yojanas
• Status-check guides
• Helplines + grievance
• Full RTI Playbook

Last reviewed: 26 April 2026.