With the digitization of the KCC application process in 2025-26, farmers can now apply online easily through banks and government portals, reducing paperwork and approval time.
Kisan Credit Card 2025-26 : Key Highlights
- ParticularInformationScheme Name: Kisan Credit Card (KCC)
- Implemented By: Government of India
- Objective: Easy access to agricultural credit
- Interest Rate: As low as 4% after subsidy
- Loan Amount: ₹10,000 to ₹3,00,000 and above
- Mode of Application: Online & Offline
- Eligible Beneficiaries: Farmers & allied sector workers
- Responsible: Ministry Ministry of Agriculture & Farmers Welfare
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Farmers can avail crop loans at a highly subsidized interest rate of 4% after government support.
Credit limit is decided based on landholding, crop pattern, and farming activity, ranging from ₹10,000 to ₹3 lakh or more.
Repayment flexibility allows farmers to repay after harvesting, reducing financial pressure.
Personal accident insurance cover ranging from ₹50,000 to ₹1 lakh is included.
The KCC works like a debit/ATM card, enabling easy cash withdrawal.
Loans up to ₹1.6 lakh are available without collateral, making it farmer-friendly.
Who Can Apply for Kisan Credit Card in 2025-26 ?
The scheme covers a wide range of beneficiaries involved in agriculture and allied activities:
- Small and marginal farmers
- Tenant farmers and sharecroppers
- Members of Self-Help Groups (SHGs) engaged in farming
- Dairy and animal husbandry farmers
- Poultry farmers
- Fishermen involved in inland or marine fishing
- Minimum Age: 18 years
- Maximum Age: 75 years (co-applicant required above 60)
Applicants should keep the following documents ready:
- Aadhaar Card
- PAN Card
- Bank passbook or account details
- Land ownership records (7/12, 8A, or equivalent)
- Address proof
- Recent passport-size photograph
- Crop or farming activity details (if applicable)
- Active mobile number
- Kisan Credit Card Interest Rates 2025
- Loan AmountApplicable Interest RateUp to ₹3,00,000 4% (after interest subvention)
- Above ₹3,00,000 7% – 12% (varies by bank)
Step 1: Visit an Official Portal
- You can apply through:
- PM Kisan official website
- Bank websites (SBI, PNB, BOB, BOI, HDFC, ICICI, RRBs)
- Common Service Center (CSC) portal
- Locate the KCC section on the homepage.
Provide:
- Applicant name
- Father/Guardian name
- Aadhaar number
- Address details
- Bank account linked with PM Kisan
Upload scanned copies of:
- Aadhaar card
- PAN card
- Land records
- Bank passbook
- Once submitted, an application reference number will be generated.
- The bank verifies land ownership, eligibility, and credit history.
- Upon successful verification, the Kisan Credit Card is issued within 7–15 days.
- How to Track Kisan Credit Card Application Status Online?
- Visit the official website of the bank where you applied.
- Search for “KCC Application Status” or “Loan Tracking”.
- Enter required details such as:
- Application reference number
- Registered mobile number
- Aadhaar number or date of birth
- Bank account number (if applicable)
- Click on Submit to view the current status.
Conclusion
The Kisan Credit Card Scheme 2025-26 is a powerful financial tool designed to empower farmers with timely and low-cost credit. With the introduction of online applications and faster approvals, accessing agricultural loans has become easier than ever. Eligible farmers are encouraged to apply and benefit from this farmer-centric initiative.
The Kisan Credit Card Scheme 2025-26 is a powerful financial tool designed to empower farmers with timely and low-cost credit. With the introduction of online applications and faster approvals, accessing agricultural loans has become easier than ever. Eligible farmers are encouraged to apply and benefit from this farmer-centric initiative.
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