How to apply for a Kisan credit card? Check the step by step process

Via Kisan Credit Card, farmers can take out loans for various purposes.

What is Kisan credit card?

Kisan Credit Card (KCC) has been launched by the central government to ensure that farmers in the country can access credit at a reasonable rate. This scheme was introduced in August 1998 and was based on the recommendations of a special committee set up for input on loans and agricultural welfare. KCC Loan provides term loans to the farmers to cover the costs of farming, harvesting and maintaining the farm.

Types of Loans You Can Get Through KCC

There are several banks in India that provide agricultural loans to farmers to help them meet their financial needs.

Crop loans

Business loans on farms

Farm Property Loans

agricultural affairs

Dairy Plus scheme

Broiler Plus scheme

Produce Marketing Loan

Farm Storage Facilities & Storage Loan

Horticultural loan

Small irrigation schedule

Land purchase scheme, etc.

Who is eligible for the Kisan card?

Anyone engaged in agriculture, related activities or non-agricultural activities can apply for a Kisan credit card. Below we have listed full details about the eligibility criteria, essential documents etc. for Kisan Credit Card loans:

Minimum age – 18 years

Maximum age – 75 years

If a borrower is a senior (aged over 60), then a co-counselor is required when the co-counselor must be a legal heir.

All farmers – individual or joint growers

SHGs / Joint Liability Groups Including Tenants

Tenants, oral tenants & sharecroppers.

Documents Required for Kisan Credit Card

ID like Voter ID Card or PAN Card or Passport or Aadhaar Card or Driver’s License, etc.

Address proof such as voter ID card or passport or Aadhaar card or driver’s license, etc.

Land Ownership Documents

What is the limit of KCC?

For Marginal Farmers – A flexible limit of Rs. 10,000 – Rs. 50,000 is provided (as Flexi KCC) based on land ownership and crops grown, including credit requirements for post-harvest warehouse storage and other farming costs. (According to RBI website)

Kisan credit card: how to apply

Applying for a Kisan Credit Card is very simple. Today, banks have made provisions to enable an online and offline application process. To apply online, follow the steps below:

Go to the Kisan Credit Card section of any bank’s official website

Tap the “Apply Now” button

Fill in all your details carefully (name, mobile number, etc.)

Then click the submit button to apply online

The processing time of the application is 3 to 4 working days

If the application is approved, a supervisor will contact you and explain what documents are required and where to go for further steps.

To apply offline, you need to go to the nearest bank branch and apply for the Kisan credit card loan. Remember to bring all relevant documents with you at the time of registration.

By providing your mobile number in the application form, you will receive status updates one by one until your loan is approved.

Banks providing Kisan credit cards

Kisan Credit Card is offered by many public sector banks, cooperative banks and rural banks in India. Some of them are:

State Bank of India (SBI Kisan credit card)

Bank of India (BOI)

Ash bank

National Payments Corporation of India (NPCI)

Industrial Development Bank of India (IDBI)


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