Kisan Credit Card Loan Yojana (KCC) 2025 Apply, Eligibility, Form

Kisan Credit Card Loan Yojana

The Central government has started a campaign to saturate all PM Kisan Samman Nidhi Yojana beneficiaries with Kisan Credit Card (KCC) Scheme. Farmers are provided loans of substantial amounts at low interest rates through Kisan Credit Card. KCC Scheme online application forms for PM-KISAN beneficiaries are open now.

All beneficiaries can apply for a Kisan Credit Card (KCC) under the PM Kisan Samman Nidhi Yojana, but they must meet the eligibility criteria.

Keyhighlight Kisan Credit Card Yojana

Scheme NameKisan Credit Card
beneficiaryAll eligible farmers of India
maximum loan amountUp to ₹5 lakh
interest rate4% to 7% (3% discount on timely payment)
guarantee requiredNot up to ₹1.6 lakh, above that as per bank rules
ObjectiveFinancial assistance for farming, animal husbandry, fisheries, horticulture etc.
Application ProcessThrough Online / Offline / Camp
Official Websiteeseva.csccloud.in/kcc

What is Kisan Credit Card?

The Kisan Credit Card scheme provides timely loans and credit to farmers and agricultural workers, which helps them to fulfill their agricultural needs. This scheme will provide affordable loans to farmers, thereby reducing their dependence on high-interest informal loans.

The Kisan Credit Card Scheme (KCC) is a flagship scheme launched by the Government of India to provide farmers with affordable loans for agricultural purposes. Farmers can use this credit to purchase fertilizers, seeds, pesticides, and other agricultural inputs.

Details Required in KCC Application Form

Following details are required to be filled in the Kisan Credit card application form:

Type of KCC/ Amount of loan required

  • Issue of fresh KCC
  • Enhancement of existing limit
  • Activation of inoperative KCC account
  • Amount of Loan required

Particulars of the applicant(s)

  • Name of the Applicant
  • Account No (PM Kisan Beneficiary*)
  • If not covered under Pardhan Mantra Suraksha Bima Yojana (PMSBY) and Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY), consent for Auto Debit for coverage under these two schemes.

Details of existing loans, if any

  • Bank/ Co-operative Banks/ Other Sources
  • Branch Name
  • Facility
  • (KCC/ATL)
  • Outstanding (Rs.)
  • Overdue, if any (Rs.)

Particulars of total land holdings of the applicant and crops

  • Name of the Village
  • Survey/ Khasra No.
  • Title – Owned, Leased, Share Cropper
  • Area in acres
  • Name of crop to be Grown – Kharif Crops, Rabi Crops, Other Crops

KCC to Fisheries and Animal Husbandry Farmers

  • Name of Village
  • Total productive Dairy Animals
  • Total Sheep & Goat
  • Total Pigs
  • Total Poultry
  • Inland Fisheries & Aquaculture
  • Marine Fisheries & Mariculture
  • Others

Security Proposed to be offered

  • Particulars of Primary Security offered
  • Particulars of Collateral Security (where applicable)

Kisan Credit Loan Eligibility

Any farmer wishing to apply for a loan must meet the eligibility criteria outlined below. Different types of farmers are eligible for this scheme, such as:

  • Applicant must be a citizen of India.
  • Age must be between 18 and 75 years (those over 60 require a co-applicant).
  • Farmers, livestock farmers, fishermen, and gardeners are all eligible.
  • Must own or lease land.
  • Must not be a bank defaulter.
  • Landless farmers can apply through JLG (Joint Liability Group).

Documents Required for Kisan Credit Card Scheme

  • Kisan Credit Card loan application form
  • Two passport-size photos
  • Identity proof, such as an Aadhaar card, driving license, Voter ID, passport
  • Address proof, such as an Aadhaar card, driving license
  • Proof of landholding certified by the revenue authorities
  • Cropping pattern or crop grown with acreage
  • Security documents for loan limit above Rs.3 lakhs, if applicable
  • Any other required document

How to Apply Online for KCC

Step 1: First, you need to visit the official PM Kisan website.

Step 2: Here, you need to download the Kisan Credit Card application form.

Step 3: Now submit the information and documents requested in this form.

Step 4: Next, carefully read the information in the form. Submit it. You will receive your loan from the bank within a few days of verification.

Currently, there are around 6.7 crore Kisan Credit Card (KCC) beneficiaries in the entire country. Crores of farmers are getting help in farming through KCC Loan Scheme.

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