How to Apply for Kishan Credit Card Online; Check Eligiblity, Benefits, and More

How to Apply for Kishan Credit Card Online; Check Eligiblity, Benefits, and More

How to Apply for Kishan Credit Card Online: Indian government launched the Kishan Credit Card loan in August 1998. Under this scheme, Indian farmers had affordable access to short-term credit.

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The main objective of this scheme to replace the bank’s loan. Taking a loan from banks was a long and tedious process and this farmer resorted to trusting a local money lender, who in turn exported them with exorbitant interest rates.

Eligibility for Kishan Credit Card

The online application will be eligible for a group of owner-cultivators, women cultivators, sharecroppers, self-help groups, and joint-liability group farmers, fish farmers, marine fishers, poultry, and dairy farmers.

Kishan Credit Card Benefits

Farmers will be issued an ATM-cup-Debit card for transaction

The KCC Loan involves the facility of revolving credit for withdrawals and repayments within the credit limit. All repayments, however, have to be done within 12 months.


The repayment period as per the crop period (Short/ Long) and marketing period for the crop.


Hypothecation of Crops grown / assets to be created out of Bank


Equitable mortgage / registered mortgage of land / immovable property as applicable of the value of 100 % loan. However, collateral is waived for KCC limit up to Rs. 1.60 lakhand up to Rs.3.00 lakhs, in case of tie up arrangement.


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Eligible crops may be covered under PRADHAN MANTRI FASAL BIMA YOJNA (PMFBY) on premium payment.

The borrower should also opt for Personal Accident Insurance, Health Insurance (wherever applicable).

Kishan Credit Card Eligibility:

Individuals and joint owners of agricultural land are eligible to apply for KCC Loan.

Tenants who have taken up rented land for cultivation are also eligible for KCC.

The land in question must be agriculturally active and must be generating a crop.

Applicant age shall be between 18 and 60 years at the time of applying.

How to Apply for a Kishan Credit Card?

Visit the official website of the financial institution from which you want to avail of the credit card

Select KCC from the list of available credit cards

Click on apply to further proceed

Fill your personal details

Submit the application and take the application reference number for future use.

Documents Required for Kishan Credit Cards:

The KCC Loan application form is duly filled out and signed by the applicant.

Identity proof like Aadhaar Card, PAN Card, Voter’s ID Card, etc.

Address proof specifying the applicant’s current address.

Land ownership documents or rent agreements.

Passport-size photographs.


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