KCC Scheme: The central and state governments run a variety of schemes for farmers. One such scheme is the Kisan Credit Card Scheme, which is run by the central government. Under this scheme, farmers can get loans up to ₹5 lakh at a 4% interest rate. This scheme allows farmers to purchase agricultural equipment.
Many schemes are being run in the country with the aim of doubling the income of farmers. These include many schemes like PM Kisan Samman Nidhi, Kisan Credit Card. Kisan Credit Card Yojana has been started with the aim of saving farmers from the clutches of moneylenders and providing them loans at cheap rates. This scheme has completed 11 years. This Kisan Credit Card Yojana has become a lifeline for crores of farmers in the country. Under this scheme, cheap and easy loans are given to farmers, which can be used in all agricultural activities like farming, animal husbandry, dairy and fisheries.
Under this scheme, farmers are given a card that functions like an ATM . Farmers can withdraw money at any time, up to a limit set by the bank. Interest is charged only on the amount withdrawn. The normal interest rate is 7%, but the government provides a 3% interest subsidy for timely payments, bringing the effective interest rate to just 4%.
💳 Kisan Credit Card (KCC-MISS Scheme) – अब किसानों को खेती, पशुपालन, डेयरी और मत्स्य पालन के लिए पैसों की चिंता करने की जरूरत नहीं। केसीसी से मिल रहा है आसान और सस्ता ऋण।
योजना की मुख्य बातें:
* सिर्फ 4% ब्याज दर (समय पर भुगतान करने पर)
* बिना ज़मीन गिरवी ₹2 लाख तक का ऋण
*… pic.twitter.com/LMSpvQL0sQ— Agriculture INDIA (@AgriGoI) September 13, 2025
There is no processing fee for availing the loan.
On the social media platform X, the Ministry of Agriculture stated that loans of up to ₹2 lakh can be obtained without collateralizing land. Loans of up to ₹3 lakh can be obtained with land guarantee. There is no processing fee and crop insurance coverage. The loan term is 5 years and must be renewed annually.
These documents will be needed
- Adhar card
- land papers
- Bank Passbook
Know how to apply
This scheme offers farmers an easy and reliable way to realize their agricultural dreams. Farmers can expand their farms and businesses without worrying about financial resources. To avail the benefits of the Kisan Credit Card Scheme, farmers can apply by visiting their nearest bank branch. It’s worth noting that there are no processing charges for loans up to ₹3 lakh.
How to apply online?
1 – First of all, visit the website of the bank of your choice.
2 – You will see Kisan Credit Card on the home page.
3 – As soon as you click on Kisan Credit Card, the apply option will be visible.
4 – As soon as you click on Apply, you will see a new page.
5 – Fill all your details and click on submit.
6 – After this you will see the application reference number.
7 – If you are eligible, the bank will contact you within 5 days.
