How To Apply For Kisan Credit Card? Check Eligibility, Key Documents Required, Other Info

Kisan Credit Card: From purchasing seeds to pesticides and fertilisers, farming requires extensive inputs during the sowing season. To ensure that small-scale farmers do not rely on informal lenders for funds, the government's flagship scheme, the Kisan Credit Card (KCC), offers affordable institutional credit to farmers.

Over the years, the scheme has expanded to include allied sectors like animal husbandry, fisheries, etc to make agricultural finance more inclusive and accessible. If you are yet to register for KCC, let's understand how to register under the scheme.

What is a Kisan Credit Card?

The scheme was introduced to help farmers get timely access and affordable formal credit for their agricultural needs. The scheme not just covers seasonal crop expenses, but it also includes other allied activities like dairy farming, poultry, fisheries, animal husbandry and beekeeping.

How To Get A KCC Card?

Commercial banks, regional rural banks and cooperative banks provide the Kisan Credit Card (KCC). The KCC facility allows farmers to withdraw funds as required during the farming cycle.

Kisan Credit Card Scheme Eligibility

If you are an individual farmer or a joint borrower who owns and cultivates agricultural land, then you are eligible for a KCC. The scheme also covers tenant sharecropper farmers, oral lessees, sharecroppers, etc.

In addition to individual groups, the KCC scheme also provides credit facilities to farmer groups. Self Help Groups (SHGs) and joint liability groups (JLGs), including those formed by tenant and sharecroppers, are also eligible to obtain KCC loans collectively.

Apart from individual farmers marginal farmers can also get FLexi KCC limits that range from Rs 10,000 to Rs 50,000 based on landholding, cropping pattern and farming requirements for a five-year period.

How To Apply For KCC Scheme?

The easiest way to apply for a Kisan Credit Card (KCC) is to visit your nearest bank branch, contact the official and get a KCC application form. Most of the banks offer KCC facility to eligible farmers. You can also download the KCC application form by visiting your preferred bank's official website or local branch. People can also apply online through portals like JanSamarth or myScheme.

Kisan Credit Card Scheme

The credit card scheme improves agricultural productivity by providing affordable, timely and reliable institutional credit for farming and associated activities. Beneficiaries can use the credit card scheme to get low cost formal credit and save themselves from informal high-interest rate cycle. KCC finances cultivation, harvesting, storage, marketing, household needs, etc. Marginal farmers, tenant farmers, fisheries, dairy and animal husbandry sectors are majorly covered under the scheme.

With a strong focus of the government on 'Digital India', the scheme also offers simplified one page application, PM Kisan data integration, common service centres and the Kisan Rin Portal to reduce paperwork.