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Kisan Credit Card Yojana (KCCY) 2024: Benefits, Eligibility & Online Application

Kisan Credit Card Yojana 2024: Indian farmers are the backbone of the nation’s food security. The Kisan Credit Card Yojana (KCCY) is a government initiative designed to address their financial needs throughout the agricultural cycle. This scheme offers subsidized loans for various agricultural activities, ensuring farmers have uninterrupted access to funds for a successful harvest.

Kisan Credit Card Yojana 2024 Overview

YojanaKisan Credit Card Yojana 2024
Established in1998
PurposeTo provide loan at light interest rate
Total loan amount3 lakh Rupees
Interest rate07 percentAfter the 3 percent rebate given by the government, the interest rate becomes 4 percent.
BeneficiariesIndian farmers
Official websitepmkisan.gov.in

Benefits of Kisan Credit Card Yojana

  • Reduced Interest Rates: Farmers benefit from significantly lower interest rates on KCC loans compared to traditional agricultural loans, thanks to government subventions.
  • Flexible Repayment Options: KCCY offers convenient repayment schedules aligned with crop cycles and harvest seasons, easing the financial burden on farmers.
  • Simplified Loan Process: KCC eliminates the need for multiple loan applications. Farmers can avail of credit throughout the year under a single window scheme.
  • Enhanced Working Capital: KCC provides access to credit for a wide range of agricultural needs, including seeds, fertilizers, equipment, and post-harvest expenses.
  • Increased Productivity: Timely access to funds through KCC empowers farmers to invest in better quality inputs and adopt advanced farming practices, potentially leading to higher yields.

Eligibility for Kisan Credit Card Yojana 2024

  • Indian Citizenship: The applicant must be a resident Indian citizen.
  • Age Limit: The applicant’s age should be between 18 and 75 years.
  • Land Ownership/Farming Activity: KCC is primarily for farmers cultivating land. In some cases, individuals involved in allied agricultural activities like livestock rearing may also be eligible (check with your bank for details).

Documents Required for Kisan Credit Card Application

To apply for aKisan Credit Card Yojana 2024 (KCC), farmers must assemble the requisite documents beforehand. These include:

  • Identity Proof (such as Aadhar card, Voter ID, PAN Card)
  • Address Proof (like Aadhar card, electricity bill)
  • Proof of Land Ownership
  • Income Proof
  • Passport-sized Photograph
  • Completed and Signed Application Form
  • Details of Agricultural Activities
  • Any Additional Documents as Required

Kisan Credit Card Loan Limit

The Kisan Credit Card (KCC) loan limit isn’t a one-size-fits-all solution. It’s designed to be adaptable to your specific agricultural needs. Factors like crop type, operational costs, post-harvest expenses, and your working capital requirements are all considered when determining your credit limit. Additionally, your ability to repay the loan is factored in to ensure responsible borrowing.

This flexible approach ensures you have sufficient funds throughout your agricultural cycle. KCC loan limits can range from a few thousand rupees to several lakhs, depending on your circumstances. It’s important to remember that specific limits may vary between banks and financial institutions, so checking with your preferred bank is recommended.

Kisan Credit Card Yojana 2024
Kisan Credit Card Yojana 2024

Ultimately, the Kisan Credit Card Yojana aims to empower farmers with convenient access to credit that aligns with their production cycles. This allows for efficient expense management and potentially leads to increased agricultural productivity.

Applying for Kisan Credit Card Yojana 2024

Farmers can visit their nearest bank branch to apply for a Kisan Credit Card. Bank officials can guide you through the application process.

  • Visit the Official Website (if applicable): Check your preferred bank’s website for a dedicated KCC application page. If not available, proceed to step 2.
  • Locate the Kisan Credit Card Scheme: Look for a section or link related to the Kisan Credit Card Yojana. This might be under “Loan Products” or “Agriculture Schemes.”
  • Find the Online Application: Once you’re on the KCC scheme page, search for an “Online Application” or “Apply Now” button.
  • Fill Out the Application: The online application form will likely request basic information like your name, contact details, and farm details. Fill it out accurately and completely.
  • Attach Required Documents: The online portal might allow uploading scanned copies of documents like ID proof, address proof, and land ownership documents (if applicable).
  • Submit the Application: Once you’ve reviewed everything, submit the online application form.
  • Follow Up: The bank might contact you for further verification or ask you to visit a branch for final processing.

Offline Application Process

  1. Visit the nearest branch of the bank that provides the Kisan Credit Card Yojana 2024.
  2. Request and fill out the application form, ensuring all required information is provided.
  3. Submit all necessary documents along with the completed application form at the branch.
  4. If the loan amount exceeds Rs.1.6 lakh, collateral may be required for security purposes.
  5. Once the entire process is finalized, the requested amount will be credited to the farmer’s account within the specified timeframe.

Kisan Credit Card Yojana vs Pashu Kisan Credit Card Yojana

The Pashu Kisan Credit Card Yojana is a separate scheme specifically designed for livestock farmers. It offers similar benefits to KCCY, including subsidized interest rates and flexible repayment options. However, eligibility criteria and loan amounts may differ.


The Kisan Credit Card Yojana 2024 is a valuable government initiative that empowers Indian farmers by providing timely and affordable credit. By leveraging this scheme, farmers can strengthen their agricultural operations, achieve financial security, and contribute significantly to India’s agricultural growth.

FAQ,s – Kisan Credit Card Yojana 2024

What are the interest rates on Kisan Credit Card loans?

A1. KCC loans come with subsidized interest rates thanks to government intervention. The exact rates may vary depending on the bank and loan amount, but they are generally lower than commercial loan rates.

Can I repay my Kisan Credit Card loan in installments?

Yes, KCC offers flexible repayment options. Farmers can repay the loan in installments aligned with their crop cycles and income generation.

Is there an online application process for Kisan Credit Card?

While the online application facility may not be universally available yet, some banks do offer online KCC application options. It’s advisable to check with your preferred bank for their specific application process.


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