Kisan Credit Card Scheme

The Kisan Credit Card (KCC) scheme is designed to provide farmers with quick and easy access to credit for their agricultural needs. It helps cover costs such as crop cultivation, post-harvest expenses, and household requirements. 

 

With this scheme, farmers can access credit through various banks under a single, simplified window, making it easier to finance their farming activities.

Commercial banks in India are eligible to issue Kisan Credit Cards. Farmers can also get this facility at regional rural banks and cooperative banks. Check out some of the top Kisan Credit Cards, and the different features and charges associated with it.

Disclaimer: The details given above are subject to change as the discretion of the issuers.

Axis Bank Kisan Credit Card

• High-value loans up to ₹250 Lakhs

• Cash credit up to 1 year

• Term loans up to 7 years

• Includes coverage under Pradhan Mantri Fasal Bima Yojana, and a personal accident cover of up to ₹50,000

Baroda Kisan Credit Card (BKCC)

• Loans start from ₹5,000 with no upper limit

• 7% p.a. for loans up to ₹3 Lakhs, with interest subvention from the government

• No processing fees for loans up to ₹3 Lakhs and no inspection charges for the same amount

Union Bank of India’s Kisan Credit Card (Union Green Card)

• Loans of up to ₹3 Lakhs for crop operations are eligible for an interest rate of 7% p.a., applicable for a maximum period of one year

• The card is valid for 5 years, with annual reviews

• Marginal farmers can avail a flexible limit ranging from ₹10,000 to ₹50,000 based on their land holdings​

SBI Kisan Credit Card

• Offers loans for up to 5 years with annual reviews

• 7% p.a. for loans up to ₹3 Lakhs

• No collateral for loans up to ₹1.6 Lakhs; for higher amounts, collateral such as land mortgages may be required

HDFC PM Kisan Credit Card

• Provides financing for crop production, post-harvest needs, and farm-related expenses like equipment purchases and maintenance

• Loans typically start with interest rates around 9% p.a. for up to ₹3 Lakhs

• Offers crop insurance under the Pradhan Mantri Fasal Bima Yojana and personal accident insurance up to ₹2 Lakhs for farmers​

Central Kisan Credit Card

• The card offers a revolving cash credit limit for up to 5 years, with annual reviews

• Interest starts at 7% p.a. for loans up to ₹3 Lakhs

• No collateral is required for loans up to ₹1.6 Lakhs. For loans above this amount, collateral may be required, depending on the limit.

Indian Bank Kisan Credit Card

• Determined based on the scale of finance for the crop, area cultivated, and an additional 10% for post-harvest/household needs, plus 20% for farm asset maintenance

• Valid for 5 years, with a 10% increase in the crop loan limit annually

• ​Interest starts at 7% p.a. for loans up to ₹3 Lakhs

Here are some of the fees and corresponding charges for Kisan Credit Cards:

Disclaimer: The fees and charges mentioned in the above table might change as per Government discretion.

To apply for a Kisan Credit Card, applicants need to meet the following criteria:

• Individual or joint borrowers who are owner-cultivators

• Tenant farmers, oral lessees, and sharecroppers

• Self-Help Groups (SHGs) or Joint Liability Groups (JLGs) of farmers, including tenant farmers and sharecroppers

Here are the documents typically needed to apply for a Kisan Credit Card:

• Completed application form

• Two passport-size photographs

• Identity proof, such as a driving licence, Aadhaar card, voter ID, or passport

• Address proof, such as a driving licence or Aadhaar card

• Proof of landholding certified by the revenue authorities

• Cropping pattern details (crops grown) with acreage

• Security documents for loans exceeding ₹1.60 Lakhs or ₹3.00 Lakhs, as applicable

• Any other documents required as per the bank’s guidelines

Bajaj Markets does not offer an application process for Kisan Credit Cards , and applicants need to visit the respective issuer’s website or branch to apply for the credit card.

Online Application Process

1. Visit the bank’s website

2. Choose the Kisan Credit Card option from the list

3. Click ‘Apply’ to access the application form

4. Fill out the necessary details and submit

5. Upon submission, an application reference number is generated. If eligible, the bank will reach out for further steps within 3-4 working days.

Offline Application Process

1. Visit the nearest branch of the bank offering the Kisan Credit Card

2. You can also download the application form from the bank’s website, fill it out, and submit it at the branch

3. The bank’s representative will guide you through the process

The Kisan Credit Card Customer Care provides the flexibility to be contacted in different ways. The flexible nature allows farmers to use the most convenient mode for them to get their queries resolved. Here’s how you can go about it:

1. Phone Call

Many farmers use the KCC Customer Care number. If the farmers have any queries regarding the features or functionalities of the Kisan Credit Card, they can call any of the following PM Kisan KCC helpline numbers.

• Toll-Free Kisan Credit Card Helpline Number: 1800-115-526

• Other PM Kisan Credit Card Helpline Number: 0120-6025109/155261

2. Email

Email is another method of reaching KCC Customer Care. 

• You can email the Kisan Credit Card Customer Support team at pmkisan-ict@gov.in. 

• You can also email Dr. Ranjna Nagpal in case of any ICT-related queries. She can also be reached at the same email ID. 

• If you have queries regarding fund transfers, you can contact Shri Bimbadhar Pradha, who can be reached at pmkisan-funds@gov.in.

3. Postal Address

You can send a post or courier to the Kisan Credit Card Customer Care at the following address based on the nature of your query.

 

For Fund-transfer Related Queries

Shri Krishna Tyagi,

Chief Controller & Accounts Secretary, Department of Agriculture,
Cooperation & Farmers Welfare, Krishi Bhavan

New Delhi - 110001

 

For Scheme-related Queries

Shri Sanjay Agarwal

Secretary, Department of Agriculture,

Cooperation & Farmers Welfare, Krishi Bhavan
New Delhi - 110001