Kisan Credit Card Scheme | KCC Scheme

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The Kisan Credit Card scheme was introduced in 1998 for issue of Kisan Credit Cards to farmers on the basis of their holdings for uniform adoption by the banks so that farmers may use them to readily purchase agriculture inputs such as seeds, fertilizers, pesticides etc. and draw cash for their production needs. The Kisan Credit Card scheme aims at providing adequate and timely credit support from the banking system under a single window with flexible and simplified procedure to the farmers for their cultivation and other needs as indicated below:

  1. To meet the short term credit requirements for cultivation of crops;
  2. Post-harvest expenses;
  3. Produce marketing loan;
  4. Consumption requirements of farmer household;
  5. Working capital for maintenance of farm assets and activities allied to agriculture;
  6. Investment credit requirement for agriculture and allied activities.

Eligibility of Kisan Credit Card Scheme

  1. Farmers – individual/joint borrowers who are owner cultivators.

(किसान – व्यक्तिगत / संयुक्त उधारकर्ता जो मालिक किसान हैं।)


2. Tenant farmers, oral lessees & share croppers;

(काश्तकार किसान, मौखिक पट्टेदार और बटाईदार।)

3. Self Help Groups (SHGs) or Joint Liability Groups (JLGs) of farmers including tenant farmers, share croppers etc.

(काश्तकार किसानों, बटाईदारों आदि सहित किसानों के स्वयं सहायता समूह (एसएचजी) या संयुक्त देयता समूह (जेएलजी)।)


Maximum Loan Amount

Need Based finance considering cropping pattern, acreage and Scale of Finance (SOF). Maximum of Rs. 50.00 Lakh

Margin in Kisan Credit Card

For production credit – NIL
For Investment credit :-

Amount of loan limit sanctionedMargin
Up to Rs.1,00,000/- (both for short-term and medium term)Nil
Above Rs.1,00,000/- to Rs.2 lakh5%
Above Rs.2 lakh to Rs.5 lakh10%
Above Rs.5 lakh25%

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