What Is KCC?

With farmers comprising a significant majority of the population, making them financial stability is essential to the nation’s economic well-being.

Kisan Credit Card (KCC) is an initiative under the Indian government’s agricultural scheme that provides a credit card to farmers to meet their financial needs.

The KCC empowers farmers to invest in essential inputs, machinery, and other agricultural necessities crucial for enhancing productivity and livelihoods.

If you are a farmer or trying to get into farming, then understanding the KCC is essential to ensure you get the maximum benefit out of the KCC scheme.

In this article, we will discuss the Kisan Credit Card Scheme, the benefits of KCC, the Eligibility of KCC, and much more.

What is the Kisan Credit Card Scheme?

The Kisan Credit Card (KCC) Scheme is an initiative of the Government of India aimed at providing timely and affordable credit to farmers across the country. 

The KCC Scheme offers farmers access to credit facilities for various purposes, including crop production, post-harvest expenses, consumption needs, and investment in allied agricultural activities.

Under the Kisan Credit Card Scheme, eligible farmers are issued a credit card that functions as a flexible line of credit.

Farmers can use this card to withdraw funds as per their requirements within the sanctioned limit. The scheme offers hassle-free credit delivery, with minimal documentation and simplified procedures, making it easier for farmers to access timely credit.

Benefits of Kisan Credit Card

The following are the benefits of Kisan Credit Card-

• Farmers can avail credit for various agricultural purposes such as crop production, post-harvest expenses, consumption needs, and investment
• KCC provides farmers with a flexible line of credit, allowing them to withdraw funds as per their requirements
• The scheme offers hassle-free credit delivery with minimal documentation requirements
• Farmers receive interest rate subsidies from the government, making the credit more affordable and reducing the cost of borrowing
• The KCC Scheme provides insurance coverage to protect farmers against crop failures, natural calamities, and other unforeseen events
• The KCC promotes financial inclusion in rural areas, ensuring that farmers have access to financial services and resources

Eligibility for the Kisan Credit Card Scheme

The following are the eligibility for the Kisan Credit Card Scheme-

• The applicant should be a resident of India
• The applicant must be a farmer who owns or cultivates agricultural land
• Farmers engaged in the cultivation of crops such as food grains, commercial crops, horticultural crops, etc.
• Applicants should have a satisfactory credit history or be able to demonstrate their repayment capacity
• Individuals above the age of 18 and below the age of 75 are eligible to apply
• The applicant must have a savings or current account with the lending institution
• The credit availed through the KCC should primarily be utilized for agricultural purposes such as crop production, post-harvest expenses, working capital requirements, investment in agriculture-related activities, etc.

List of Banks Providing Kisan Credit Card Scheme

The following is the list of banks providing the Kisan Credit Card Scheme-

• State Bank of India
• Punjab National Bank
• Bank of Baroda
• Canara Bank
• Union Bank of India
• Bank of India
• Indian Bank
• Central Bank of India
• Indian Overseas Bank
• UCO Bank
• Bank of Maharashtra
• Punjab & Sindh Bank
• Andhra Pragathi Grameena Bank
• Chaitanya Godavari Grameena Bank
• Saptagiri Grameena Bank
• Andhra Pradesh Grameena Vikas Bank
• Telangana Grameena Bank
• Assam Gramin Vikash Bank
• Arunachal Pradesh Rural Bank
• Uttar Bihar Gramin Bank
• Dakshin Bihar Gramin Bank
• Chhattisgarh Rajya Gramin Bank
• Saurashtra Gramin Bank
• Baroda Gujarat Gramin Bank
• Sarva Haryana Gramin Bank
• Himachal Pradesh Gramin Bank
• Jharkhand Rajya Gramin Bank
• J&K Grameen Bank
• Ellaquai Dehati Bank
• Karnataka Gramin Bank
• Karnataka Vikas Grameena Bank
• Kerala Gramin Bank
• Maharashtra Gramin Bank
• Vidharbha Konkan Gramin Bank
• Madhya Pradesh Gramin Bank
• Madhyanchal Gramin Bank
• Manipur Rural Bank
• Meghalaya Rural Bank
• Mizoram Rural Bank
• Nagaland Rural Bank
• Utkal Grameen Bank
• Odisha Gramya Bank
• Punjab Gramin Bank
• Puduvai Bharathiar Grama Bank
• Baroda Rajasthan Kshetriya Gramin Bank
• Rajasthan Marudhara Gramin Bank
• Tamil Nadu Grama Bank
• Tripura Gramin Bank
• Aryavart Bank
• Baroda UP Bank
• Prathama UP Gramin Bank
• Uttarakhand Gramin Bank
• Bangiya Gramin Vikash Bank
• Paschim Banga Gramin Bank
• Uttar Banga Kshetriya Gramin Bank
• The Andaman and Nicobar State Co-operative Bank Ltd.
• The Andhra Pradesh State Co-operative Bank Ltd.
• The Arunachal Pradesh State Co-operative Apex Bank Ltd.
• The Assam Co-operative Apex Bank Ltd.
• The Bihar State Co-operative Bank Ltd.
• The Chandigarh State Co-operative Bank Ltd.
• The Chhattisgarh Rajya Sahakari Bank Maryadit
• The Goa State Co-operative Bank Ltd.
• Gujarat State Co-operative Bank Ltd.
• The Haryana State Co-operative Apex Bank Ltd.
• The Himachal Pradesh State Co-operative Bank Ltd.
• The Jammu and Kashmir State Co-operative Bank Ltd.
• Jharkhand State Co-operative Bank Ltd.
• The Karnataka State Co-operative Apex Bank Ltd.
• The Kerala State Co-operative Bank Ltd.
• The Madhya Pradesh Rajya Sahakari Bank Maryadit
• The Maharashtra State Co-operative Bank Ltd.
• The Manipur State Co-operative Bank Ltd.
• The Meghalaya Co-operative Apex Bank Ltd.
• The Mizoram Co-operative Apex Bank Ltd.
• The Nagaland State Co-operative Bank Ltd.
• The Odisha State Co-operative Bank Ltd.
• The Puducherry State Co-operative Bank Ltd.
• The Punjab State Co-operative Bank Ltd.
• The Rajasthan State Co-operative Bank Ltd.
• The Sikkim State Co-operative Bank Ltd.
• The Tamil Nadu State Apex Co-operative Bank Ltd.
• The Telangana State Cooperative Apex Bank Ltd.
• Tripura State Co-operative Bank Ltd.
• The Uttar Pradesh Co-operative Bank Ltd.
• The Uttarakhand State Co-operative Bank Ltd.
• The West Bengal State Co-operative Bank Ltd.
• The Daman and Diu State Co-operative Bank Ltd.

How to Apply for the Kisan Credit Card Scheme?

The following are the steps that you can follow to apply for the Kisan Credit Card Scheme-

• Visit the nearest bank branch where the KSS Scheme is provided including nationalized banks, cooperative banks, regional rural banks, and many more
• Now, Request an application form for the Kisan Credit Card Scheme from the bank representative. You can also get the application form from the official websites of these banks
• Fill out the application form with details like name, address, PAN card, Aadhaar card number, and many more details
• After filling out the application form attach the documents mentioned below and submit this to the bank representative
• The bank will conduct a verification process to assess the eligibility of the applicant and verify the information provided in the application form and supporting documents
• Based on the verification process, the bank will determine the credit limit and other terms and conditions applicable to the Kisan Credit Card
• Upon successful verification and credit assessment, the bank will approve the Kisan Credit Card application and issue the credit card to the applicant
• Once the Kisan Credit Card is issued, it can be activated like a normal credit card

Documents Required for Kisan Credit Card

The following are the documents Required for the Kisan Credit Card-

Identity Proof:

• Aadhaar Card
• Voter ID Card
• Passport
• Driving License
• PAN Card

Address Proof:

• Aadhaar Card
• Voter ID Card
• Passport
• Utility bills (electricity bill, water bill, etc.)
• Bank statement with address
• Ration Card

Land Ownership Documents:

• Land records such as Khata Certificate, Khata Extract, or Record of Rights (RoR)
• Land ownership documents such as Patta, Sale Deed, or Title Deed
• Revenue records or land lease agreements

Income Proof:

• Income certificate issued by the Revenue Department
• Income Tax Returns (ITR) or Form 16 for the previous financial years
• Agricultural income certificate issued by a competent authority
• Self-declaration of income from agricultural activities

Other Documents:

• Recent passport-size photographs
• Duly filled and signed application form for the Kisan Credit Card Scheme

Kisan Credit Card Customer Care

Toll-Free Number- 1800115526 or 011-24300606

Email – [email protected]

Connect through https://pmkisan.gov.in/: Kisan E-Mitra helpdesk

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