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.
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KCC Scheme: Several schemes are being implemented in the country to double the income of farmers. These include schemes like the PM Kisan Samman Nidhi and the Kisan Credit Card. The Kisan Credit Card Scheme was launched to protect farmers from the clutches of moneylenders and provide them with affordable loans. This scheme has completed 11 years. This Kisan Credit Card Scheme has become a lifeline for millions of farmers across the country. Under this scheme, farmers are provided with affordable and easy loans, which can be used for all agricultural activities such as 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 Interest is charged only on the amount withdrawn.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 repayments, reducing the effective interest rate to just 4%.
There is no processing fee for the loan.
On the social media platform X, the Ministry of Agriculture stated that loans up to ₹2 lakh can be obtained without collateralizing land. Loans up to ₹3 lakh can be obtained with land guarantee. There is no processing fee. Crop insurance coverage is also available. The loan term is 5 years, and it must be renewed annually.
💳 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
These documents will be needed:
Aadhaar card
Land documents
Bank passbook
Learn how to apply
This scheme is an easy and reliable way for farmers 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, visit the website of your preferred bank.
2 – You will see Kisan Credit Card on the home page.
3 – Click on Kisan Credit Card and the “Apply” option will appear.
4 – Click on “Apply” and a new page will appear.
5 – Enter all your details and click “Submit.”
6 – You will then see an application reference number.
7 – If you are eligible, the bank will contact you within 5 days.
