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PM Kisan Yojana: How To Apply For Free Kisan Credit Card (KCC) Online/Bank 2021?


The Kisan Credit Card scheme, which began in 1998, aims to address the agricultural sector's overall financial needs by providing term loans. Kisan Credit Card Scheme aims to provide farmers with timely and need-based credit support for their cultivation and non-farm activities in a cost-effective manner. The Kisan Credit Card, a government of India project, is designed to relieve Indian farmers of the burden of high interest rates paid by unorganized money lenders. Farmers no longer need to complete KYC because the PM Kisan Yojana has been linked to the Kisan Credit Card. To obtain a Kisan Credit Card, farmers now only need to complete a one-page form. The website has this form available for download. However, in order to use the Kisan Credit Card, a farmer must first open an account under the PM Kisan Samman Nidhi Yojana.


Kisan Credit Card Eligibility and Other details

Kisan Credit Card Eligibility and Other details

The farmer applying for a Kisan Credit Card must be at least 18 years older and no more than 75 years old. Applicants over the age of 60 would also need a co-applicant. A farmer can get a loan of up to Rs 3 lakh for farming with the Kisan Credit Card. This money would be paid to the farmer with a 4% interest rate.

You can apply for a Kisan credit card if you are one of the following people.

Owner-cultivators who are farmers-individuals/joint creditors.

Tenant farmers, sharecroppers, and other farmers form Self Help Groups or Joint Liability Groups.

Tenant farmers, Share Croppers, and Oral Lessees are only a few examples.

Kisan Credit Card Documents required

To obtain the card, the farmer will be required to submit certain documents. The following is a list of papers.

  • A fully completed application form
  • Aadhar Card, PAN Card, Voter ID Card, Driving License, Passport, Aadhar Card, PAN Card, Voter ID Card, Driving License.
  • Proof of Address - Voter ID, Electricity bill, Aadhaar card, Lease agreement.
Banks Offering Kisan Credit Card in India

Banks Offering Kisan Credit Card in India

Many well-known Indian banks give farmers a Kisan credit card with a low interest rate. The State Bank of India, India's largest public sector bank, offers a farmer the same so that they can cover all types of cultivation costs as well as contingency costs. The card is issued by the Bank of India to qualified farmers who are members of the operational branch in the district.

HDFC, Bank of India, Axis Bank, PNB, Indian Overseas Bank are some of the banks offering Ksan Credit card facility.

Farmers participating in the scheme will receive a credit card/passbook containing their name, address, landholding details, borrowing limit, validity duration, and other information to help them keep track of their purchases on a regular basis. A passport-size photograph of the beneficiary will be included in the passbook, among other things.

While operating the account, the beneficiary farmer should generate the passbook.

How to Apply for PM Kisan Credit Card Scheme Online 2021?

How to Apply for PM Kisan Credit Card Scheme Online 2021?

Step 1- Visit PM Kisan Yojana i.e.

Step 2: Click on the " Download Kisan Credit Card (KCC) form"

Step 3: Print out the application form

Step 4: Enter the required details and attach the necessary documents

Step 5: Submit to your nearest branch.

The Government of India (GoI) offers small farmers who hold KCC a loan of up to Rs 1.6 lakh with no collateral or guarantee. According to tax and investment experts, farmers can take up to a Rs 5 lakh KCC loan in three years. At 4% per year, the KCC loan interest rate is also very low.

How to apply for Kisan Credit Card Scheme online through Bank Portal?

How to apply for Kisan Credit Card Scheme online through Bank Portal?

Step 1: Visit the official bank website

Step 2: Click on the Options download Kisan Credit Card (KCC) form from the drop-down menu

Step 3: Click on Apply button and enter the details carefully.

Step 4: Click on submit button

You will be allotted an application reference number. The Kisan Credit Card will be sent once the loan has been approved.

Those who operate in animal husbandry and fisheries can also apply for agricultural loans through the Kisan Credit Card, in addition to farmers. It is also not a requirement that the applicant own agricultural property. A loan of up to Rs 2 lakh can be obtained at a 4% interest rate for animal husbandry or fisheries.



The credit limit varies from one lender to the other. Financial institutions, on the other hand, would consider the type of crop and the region where it would be grown. Furthermore, as a farmer, these institutions will review your probable income before determining the cap for you. Likewise, applicants should seek assistance from a bank in applying for the KCC. The banks have specially trained staff to assist applicants in filling out the application and ensuring that all other conditions are met.

Read more about: kisan credit card
Story first published: Monday, May 3, 2021, 13:31 [IST]
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