Kisan Credit Card (KCC)
Who can apply?
- Farmers, tenant farmers, sharecroppers, oral lessees
- Joint liability groups of farmers
Loan Amount:
- Based on landholding, crop type, NABARD scale of finance
Where to apply?
- Nearest Bank Branches
- Major banks like SBI, HDFC, PNB, and Union Bank of India (via VYOM App) offer online application options
Documents Needed:
- Aadhaar, PAN (if available)
- Land records: Pattadar passbook, 1B, Phahani, Encumbrance Certificate (EC)
- Lease agreement (for tenant farmers)
- Bank account details
- Passport-size photo
- Crop details (season, acreage, expected yield)
- Declaration of existing loans (if any)
- Insurance documents (for crop insurance linkage)
Eligibility Notes:
- Applicant must be engaged in agriculture or allied activities
- Loan limit revised annually based on cropping pattern
- Interest subvention available for timely repayment