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+{{htmlmetatags>
+metatag-keywords=(kisan credit card, kcc, kcc loan, kcc apply, kcc 4 percent)
+metatag-description=(Crop loan up to Rs 3 lakh at effective 4% interest (after govt subvention). Animal husbandry + fishery covered. Apply at any bank.)
+}}
+====== Kisan Credit Card (KCC) — crop loan up to Rs 3L @ 4% (2026) ======
+{{:social:auto:yojana-kisan-credit-card.png?direct&1200 |Kisan Credit Card (KCC) — crop loan up to Rs 3L @ 4% (2026) — RTI Wiki}}
+<WRAP info>
+**Crop loan up to Rs 3 lakh at effective 4% interest after subvention. Pre-approved by bank for landholding farmers.**
+**Launched:** 1998  ·  **Issued by:** NABARD / All Banks
+</WRAP>
+===== Who is eligible =====
+  * Indian farmer with cultivable land
+  * Tenant farmers + sharecroppers also eligible
+  * Animal husbandry + fishery activities covered
+  * Aadhaar + bank account
+===== What you get =====
+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.
+===== How to apply (step-by-step) =====
+  - **Visit any bank branch** — PSU banks have lowest rates.
+  - **Submit application + land record** — Form 7-A + Khasra/Khatauni + Aadhaar.
+  - **Bank assesses cropping pattern + scale of finance** — Limit set per acre × crops.
+  - **Card issued in 14 days** — Statutory deadline.
+  - **Use card at ATMs / POS / branch** — Up to sanctioned limit.
+  - **Repay before crop cycle end** — 4% effective rate if paid in time.
+===== Documents needed =====
+  * Aadhaar
+  * Land record (Khasra / Khatauni / 7-12)
+  * Bank account
+  * Existing crop loan letters (if any)
+===== Timeline =====
+Card issuance: 14 days statutory.
+===== Portal + helpline =====
+  * **Official portal:** [[https://pmkisan.gov.in/kcc|pmkisan.gov.in/kcc]]
+  * **Helpline:** NABARD: 1800-200-1255
+===== Common issues =====
+  * 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.
+===== Benefit delayed or rejected? File an RTI =====
+Most "delays" or "rejections" clear within 7-15 days of an RTI being filed. Use this 5-question template:
+<code>
+. Status of my application no. _____ dated _____ as on date.
+. Name + designation of dealing officer assigned to my file.
+. Reasons for delay beyond the statutory timeline.
+. Copy of any noting / movement of my file in the past 30 days.
+. Likely date of disbursement / decision.
+</code>
+**Auto-fill the PIO + your case:** [[:rti-for-pmkisan-installment|Open the AI RTI Drafter →]]
+**More schemes for you:** [[:audience:farmers|All farmers schemes]]
+===== Frequently asked questions =====
+==== Tenant farmer eligible? ====
+Yes — Patwari/lekhpal certifies tenant status.
+==== Limit > Rs 3 lakh? ====
+Yes for high-value crops; per-acre × scale of finance set by State Level Bankers Committee.
+==== Application stuck? ====
+File RTI to State Lead Bank + DCC (District Credit Committee).
+===== Summary + next step =====
+<WRAP center round tip 90%>
+**Bottom line:** Crop loan up to Rs 3 lakh at effective 4% interest after subvention. Pre-approved by bank for landholding farmers. Apply at **pmkisan.gov.in/kcc**. If delayed beyond timeline, file an RTI — most cases clear within 15 days.
+  * **Apply now:** [[https://pmkisan.gov.in/kcc|pmkisan.gov.in/kcc]]
+  * **If delayed — RTI Drafter:** [[:rti-for-pmkisan-installment|File RTI in 5 minutes]]
+  * **Browse all yojanas:** [[:yojana:start|Sarkari Yojana index]]
+</WRAP>
+===== Related =====
+  * [[:yojana:start|All Sarkari Yojanas]]
+  * [[:check-status:start|Status-check guides]]
+  * [[:helplines:start|Helplines + grievance]]
+  * [[:citizen-rti-playbook|Full RTI Playbook]]
+//Last reviewed: 26 April 2026.//
+{{tag>yojana sarkari-yojana kisan-credit-card}}