Kisan Credit Card Scheme 2025 Apply Online, Eligibility, Documents Required & Loan Amount
The Kisan Credit Card (KCC) Scheme 2025 is one of India's most important government financial programs designed to help farmers get quick and affordable loans. It allows farmers to meet their cultivation expenses, purchase equipment, and manage emergency financial needs easily.
What is the Kisan Credit Card (KCC) Scheme?
The KCC Scheme was launched to offer instant credit support to farmers at low interest rates, with flexible repayment and crop insurance coverage. More than 7 crore farmers have already taken benefits from this scheme.
KCC helps farmers avoid high-interest private loans by providing credit directly from banks at subsidized rates.
Benefits of Kisan Credit Card Scheme 2025
- Low interest rates (4% after government subsidy)
- Loan amount up to ₹3 lakhs
- Simple documentation
- Interest subvention on timely repayment
- Crop insurance under PMFBY
- ATM-like KCC card for easy withdrawals
- Covers crop loans, livestock, fisheries & allied activities
Eligibility Criteria for KCC 2025
To apply for the Kisan Credit Card, you must meet the following conditions:
- Indian citizen
- Farmer involved in crop cultivation
- Individuals, joint borrowers, or tenant farmers
- Self-help groups & joint liability groups can also apply
- Fisheries, animal husbandry farmers eligible under expanded scheme
Documents Required for KCC Application
Prepare the following documents before applying:
- Aadhar Card
- PAN Card
- Voter ID / Driving License
- Bank Passbook
- Passport-size photo
- Land documents (if applicable)
- Proof of residence
- PM Kisan ID (optional but beneficial)
How to Apply for Kisan Credit Card 2025 Online
Follow these steps to submit an online KCC application:
- Visit your bank’s official website (SBI, HDFC, PNB, BOI, etc.).
- Go to Agriculture Banking / Kisan Credit Card section.
- Click on Apply Online or KCC Application Form.
- Fill in your personal and land details.
- Upload your documents.
- Submit the application and note the reference number.
- Bank officials will verify your information and sanction the loan.
KCC Loan Amount 2025
The loan amount for farmers is decided based on crop type and land size:
| Loan Type | Amount |
|---|---|
| Crop Loan | Up to ₹3 Lakhs |
| Animal Husbandry | Up to ₹2 Lakhs |
| Fisheries | Up to ₹2 Lakhs |
| Emergency Credit | Up to ₹50,000 |
KCC Interest Rate 2025
- Base interest rate: 7%
- After subsidy for timely repayment: 4%
- Overdraft interest may vary by bank
Kisan Credit Card Validity & Renewal
- KCC validity: 5 years
- Annual review required
- Loan limit may increase depending on crop pattern & inflation
Important Notes
- If you are already registered under PM Kisan, you can apply for KCC faster.
- Banks may ask for collateral for loans above ₹1.6 lakhs.
- Timely repayment provides an extra 3% interest subvention.
Frequently Asked Questions (FAQ)
1. What is the maximum loan amount under Kisan Credit Card?
Farmers can get up to ₹3 lakhs as a crop loan.
2. Can I apply for KCC without land?
Yes, tenant farmers, sharecroppers, and SHGs are eligible.
3. How long does KCC approval take?
Generally 7–15 working days.
4. Is KCC free to apply?
Yes, the government does not charge any fee.
Conclusion
The Kisan Credit Card Scheme 2025 is a powerful tool for Indian farmers to access quick, low-interest loans for farming and allied activities. By applying online, farmers can save time and receive credit directly in their bank accounts.
If you meet the eligibility criteria and have the necessary documents, apply today and secure financial support for your agricultural needs.
Task Checklist
- Check eligibility
- Prepare documents
- Apply online
- Complete verification
- Receive KCC card
That is all about the KCC Scheme 2025!
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