Kisan Credit Card Scheme

Kisan Credit Card (KCC) Scheme Kya Hai?

Kisan Credit Card (KCC) Scheme ek bahut hi important sarkari yojana hai jiska aim hai farmers ko timely, easy aur affordable credit provide karna. 1998 me shuru hui ye scheme RBI ke guidelines ke hisaab se chalti hai aur isse commercial banks, RRBs, small finance banks aur cooperative banks implement karte hain.

KCC ek single-window loan facility hai jisse farmers ko short-term crop loans ke saath-saath post-harvest kharcha, household needs, farm equipment maintenance, aur allied activities jaise dairy, fisheries, poultry ke liye bhi paisa mil jata hai.

Aaj ke time me scheme aur bhi inclusive ho chuki hai, jisme tenant farmers, sharecroppers, Self-Help Groups (SHGs) aur Joint Liability Groups (JLGs) bhi covered hai.

Farmers ko ek smart KCC debit card milta hai jise ATM, PoS aur mobile banking se use kiya ja sakta hai. Government interest subvention bhi deti hai jisse loan ka effective interest rate sirf 4% tak ho jata hai (timely repayment par).

Kisan Credit Card Scheme Latest Updates 2025

• Operative KCC loan amount ₹10 lakh crore cross kar chuka hai.

• KCC limit officially ₹5 lakh ho chuki hai.

• RBI ne Digital KCC push shuru kar diya hai — biometric KCC cards coming soon.

• Fishermen & dairy sector farmers ko simplified eligibility.

• Digital Rin Portal ke through frictionless loan processing. Source

Kisan Credit Card Yojana ke Fayde

1. Seasonal Loan Facility Without Hassle

Farmers har cropping season me bina extra documentation ke funds access kar sakte hain.

2. Flexible Credit Limit

KCC limit crop-wise scale of finance, farming area, multi-crop pattern, and yearly escalation ke hisaab se fix hoti hai.

• 10% post-harvest cost

• 20% farm maintenance

• Multi-year limit with 10% annual increase

3. Interest Subvention

Government ki taraf se farmers ko 7% base rate par 3% subvention milta hai. Timely repayment par effective rate sirf 4% reh jata hai.

4. No Collateral up to ₹1.6 Lakh

KCC loan ₹1.6 lakh tak collateral-free hota hai. Kuch tie-up cases me ye limit ₹3 lakh tak ho sakti hai.

5. Revolving Credit System

Farmers jitni baar chahe paise deposit/withdraw kar sakte hain. Harvest ke baad repayment ki facility.

6. Allied Activities Cover

Dairy, fishery, poultry, goat farming, horticulture, beekeeping, etc. ke liye bhi loan milta hai.

7. Smart Debit Card Access

ATM, PoS, online banking aur mobile app se easy transactions.

Ye sab milkar farmers ki financial stability badhate hain aur unki annual income ko strong banate hain.

KCC Limit Kitni Hoti Hai? (Kisan Credit Card Limit 2025 Update)

Union Budget 2025 ke hisaab se:

KCC Loan Limit ₹3 Lakh se Badhaakar ₹5 Lakh

Finance Minister Nirmala Sitharaman ne 2025 budget me KCC limit ko ₹5 lakh kar diya, jisse ab 7.7 crore farmers, fishermen aur dairy sector ko direct benefit milega.

Marginal farmers ke liye flexi limit ₹10,000–₹50,000 se start hoti hai, aur farming scale ke hisaab se aage badhti hai.

Term loan ki sub-limit farm development, irrigation, machinery purchase jaise long-term investments ke liye hoti hai.

KCC Yojana Eligibility Criteria (Who Can Apply?)

Owner Cultivators (individual & joint)

Tenant Farmers & Sharecroppers

Land documents nahi ho to affidavit bhi chalega.

SHGs & JLGs of Farmers

Including landless & tenant cultivators.

Age Limit: 18–75 years

Senior applicants ke liye co-borrower mandatory ho sakta hai.

Agriculture Activity Mandatory

Crop cultivation, dairy, fishery, poultry, horticulture sab eligible hain.

Bank manager cropping pattern + repayment capacity check karke limit decide karta hai.

Kisan Credit Card Kaise Apply Karein? (KCC Apply Process 2025)

Apply karna bahut आसान hai online bhi aur offline bhi.

Offline Method (Best & Fastest)

Nearest bank branch me jaakar:

Required Documents

• Aadhaar Card

• Bank passbook

• Land documents / tenant affidavit

• Passport-size photo

• Crop details / farm area info

Bank aapka Scale of Finance x Area calculate kar ke limit fix karta hai.

Online KCC Apply (Digital Rin Portal / PM-Kisan Dashboard)

Farmers basic details fill karke application forward kar sakte hain, lekin final verification bank branch me hi hota hai.

PM-Kisan beneficiaries ko priority processing milti hai.

Kisan Credit Card Interest Rate & Repayment 2025

Base Interest Rate: 7%

Effective Interest Rate (Subvention ke baad): 4% only

Repayment Rules:

• Crop loan repayment harvest period ke according

• Term loan repayment 5 saal tak

• NPA norms agriculture loan jaisa hi

Security:

• ₹1 lakh tak – no security

• ₹1–3 lakh – crop hypothecation

• Crop insurance mandatory, health/asset insurance optional

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