Kisan Credit Card Yojana [Online Apply] List, Application Status, Helpline Number; किसान क्रेडिट कार्ड योजना

Kisan Credit Card 2021 [Online Apply] List, Application Status, Helpline Number: KCC (किसान क्रेडिट कार्ड योजना) scheme is an innovative scheme of Government of India to help the farmers of the country. Farmers are issued Kisan Credit Card so that they can easily avail KCC loan from any of the banks at low-interest rates for meeting their agricultural needs. The interest in KCC loan can be as low as 4%.

जैसा की हम सब जानते है कोरोना काल के समय में सरकार ने किसान के लिए ब्याज दर पर ३ महीने तक की रियायत दी थी। जिन किसानो ने किसान क्रेडिट कार्ड योजना के तहत सरकारी या निजी बैंको से लोन लिया था उन सभी किसानो को ३ महीने की रियायत सरकार द्वारा प्रदान की गयी। जिन किसानो ने अब तक इस आकर्षित योजना का लाभ नहीं उठाया है वो हमारे इस लेख के जरिये किसान क्रेडिट कार्ड को हासिल कर सकते है। अगर आप किसान क्रेडिट कार्ड बनाने में कोई भी परेशानी का सामना करते है तो आप बेझिजक अपनी दिक्कत हमसे साझा कर सकते हैं।

देश के ७ करोड़ किसानो ने इस सुविधा का लाभ उठा रहे है। आप भी निचे दिए गए लिंक के माध्यम से किसान क्रेडिट कार्ड क लिए अप्लाई करें।

किसान क्रेडिट कार्ड क्यों जरूरी है

किसान होने के नाते आप यह सब अच्छी तरह से जानते है की किसान क्रेडिट कार्ड की अनिवारियता कितनी बढ़ गयी है। अगर आप किसान क्रेडिट स्कीम से वंचित है तो आज ही जाकर अपने किसान किसान क्रेडिट बनवाइए। जैसा की हम सब जानते है की KKC को भारत में इसलिए लाया गया ताकि किसान अपनी आर्थिक जरूरतों को पूरा कर सके। किसान क्रेडिट कार्ड स्कीम क तहत किसानो को कम दरों में ऋण, सरकार द्वारा उपलब्ध कराया जाता है।

KCC क़र्ज़ से किसान कृषि उपकरणों , रसायनो, बीज, खाद, कीटनाशक आदि जैसे चीज़ो की आपूर्ति कर सकता है। किसानो की आय, क्रेडिट हिस्ट्री, कृषि योग्य भूमी को मद्देनज़र रखते हुए सरकार किसानो को यह लोन ४% तक की दरों में उपलब्ध कराएगी। यह क्रेडिट कार्ड 5 साल तक मान्य होता है। किसान ५ वर्षो में ३ लाख तक का लोन ले सकता है। ब्याज की सालाना दर ७% की होती है। हालांकि अगर कोई किसान अपना क़र्ज़ १ साल में ही चुका दे तो ब्याज दर में ३% की छूट मिलती है। इस प्रकार से ब्याज दर सालाना ४% का रह जाता है

Kisan Credit Card Yojana 2021

Under this Corona relief package of RBI, farmers whose repayment is falling under the time period between1st March 2020 and 31st May 2020 can skip the payment if they wish. For more information, all the farmers required to contact their concerned bank. It is not mandatory, if any farmer is able to pay can pay it off. This relief have been provided on following types of bank loan payments-   

जरूरी सूचना -: किसान क्रेडिट कार्ड बनाने क लिए अब सिर्फ ३ दस्तावेजों की जरूरत है। भूमि के मालिकाना हक़ की जानकारी, हलफनामा और निवास प्रणाम पत्र।

  • Bullet repayments
  • Credit Card Statements
  • Principal and/or interest components
  • EMIs (Equated Monthly Installment)  

Also Read-: Kisan Rath App 

Citizens should note that RBI has only provided an interim relief to defer the payment of interest for three months and therefore it does not implies that interest on Kisan Credit Card will be waived. After the said date, all farmers and other people have to repay the loan.


Here we have shared all the necessary details which you need to know about the Kisan Credit Card. Just go through the post and collect details on what is KCC, its benefits, new updates, how to apply for it, document required and all information relevant to it.

३ लाख के ऊपर लिए जाना वाला लोन टर्म लोन या मियादी ऋण कहलाता है। इस ऋण की दरें सरकार तय नहीं करती। ३लख से ऊपर कितना लोन मिलेगा, कितना ब्याज लगेगा यह सब तय करती है ब्याज देने वाली बैंक। सरकार की तरफ से इसके लिए कोई रियायत नहीं है।

An Overview of KCC 2021

SchemeKisan Credit Card (KCC)
किसान क्रेडिट कार्ड योजना
Concerned DepartmentDepartment of Agriculture, Cooperation & Farmers Welfare, Ministry of Agriculture & Farmers Welfare, Govt. of India
Launch date14th August 1998
PurposeBank loan for agriculture
KCC Validity5 years
Official website
RBI Corona Relief Package duration1st March to 31st May 2020
KCC Application formClick Here

Objective of a Kisan Credit Card

Being an agriculture prime country, India has about 159.7 million hectares agriculture land which is second in the world after U.S.A. To avail maximum benefits from these agriculture land the government announces various schemes and subsidies. The major announcement was the PM Samman Nidhi Scheme which was introduced to provide financial assistance to the farmers of the country. The important announcement under the PM Kisan scheme is the Kisan Credit Card scheme.

किसान क्रेडिट कार्ड सीधा आपके बचत खाते से लिंक होता है।

The Kisan credit card provides is also an financial aid providing scheme. The main objective of the Kisan credit card scheme is provide credit card to the farmers so that they do not have to knock the bank doors for buying agriculture equipment’s. Through the credit card, farmers can also avail bank loans at a very low interest. The procedure for obtaining the credit card is simple and it can be availed through following the simple steps provided below.

Kisan Credit Card Benefits

The KCC/Kisan Credit Card has huge benefits for the farmers availing the scheme. The scheme will be available in several banks and the applicants can avail the scheme easily. Some of the important benefits of the Kisan Credit Card 2021 is depicted below.

कृषि क्रेडिट कार्ड का सबसे बड़ा फायदा यह की इस योजना के तहत किसानो को कृषि गतिविधि के अलावा निजी जरूरतों क लिए भी लोन मिलता है।

किसानो का बीमा, फसल बीमा जैसे कई अन्य लाभों का फायदा किसान इस स्कीम के तहत उठा सकता है।

  • After the release of CSC centers, it has now become more easier to avail the services provided by the Government. The applicants can avail the services by visiting the nearby csc centers.
  • The interest rates for which the loan is given are very low. Therefore, the farmers can earn more profit through the loans granted by the Government.
  • The limit of credit in the Kisan Credit Card can also be increased. If you have a good CIBIL Score, you can easily apply for increasing the credit limit.
  • Along with the credit facility the farmers also get an additional crop insurance for which the loan is taken. The crop insurance covers all major crops in it.
  • The applicants can also avail various other services of the banks as after getting the credit card they will be a registered customer of the bank.
  • The services can also be accessed through mobile application. Almost every bank has provided the online applications.

किसान क्रेडिट कार्ड योजना

KCC scheme was launched on 14th August 1998 and model of this scheme was formed by the National Bank for Agriculture and Rural Development (NABARD). This scheme was launched with an aim to provide credit support to the farmers so that they can get a financial support to meet their agricultural needs. Farmers involved in Agriculture, Fisheries and Animal Husbandry are included under this scheme. Under this scheme short term loan for crops and term loan is provided.

Through the Kisan Credit Card Scheme, the authority will provide the beneficiaries with a very low interest rate. The process of availing the loan is very simple. Applicants must note that the loan under KCC is provided at a Interest rate of 9%. On this interest rates, the government provides an additional subsidy of 2% which results to be 7%. After this the applicants repaying the loan in prescribed schedule will be returned with 3% of the interest amount which will finally cost up to 4%.

In simple words, it can be stated that the applicant who maintain good record in submitting the monthly installment will be provided with a waiver of 3%. Therefore, the final interest rate on which the beneficiary will get the loan is 4%.

The two types of credit is offered under this scheme i.e. Cash Credit and Term Credit (It is provided for allied activities like- land development, drip irrigation, pump sets, plantation, etc.). Since the launch of KCC scheme, government has made many revisions in it. The validity of a KCC is 5 years.

Importance of Kisan Credit Card

  • Using Kisan credit card, farmers can take loan from banks on low interest rates.
  • KCC holders do not have to apply for loan separately for each crop.
  • With the help of KCC farmers can purchase seeds, agriculture equipment, fertilizers and other assets of farming and agriculture. 
  • It is also helpful in reducing farmer’s debt burden.  

किसान क्रेडिट कार्ड Eligibility Requirements

Kisan Credit Card is only issued to the farmers who fulfils the eligibility criteria as prescribed by the authorities. Those who wish to apply for KCC can go through eligibility requirements shared as under-

  • People who are land owners cum cultivators
  • All the farmers who are individual borrowers or Joint borrowers of a cultivated land and are involved in farming or allied activities like animal husbandry and fisheries.
  • Self Help Groups (SHG)/ Joint Liability Groups (which also includes sharecroppers or tenant farmers)
  • All the tenant farmers, oral lessees & share croppers etc.
  • The farmers should be residing under the operational areas of the bank.

Document Required to get Kisan Credit Card

At the time of application for KCC, applicant farmers are required to provide following documents-    

  • Duly filled-in KCC application form
  • Any of the following id proof- Aadhaar Card, Voter ID card/ Driving License / PAN card / Passport etc.
  • Any of the following Id proof- Voter ID card / Aadhaar card / Driving license/ Passport etc.
  • Passport sized photograph of the applicant
  • Land documents
  • Other documents as prescribed by the bank.

Without valid documents, no Kisan credit card will be issued to the farmers.

Also check- PM Kisan Samman Nidhi List

Kisan Credit Card Scheme Uttar Pradesh Target

Under the scheme the government aims to grant financial assistance through providing Kisan Credit Card to the farmers. The authority aims to grant KCC to more than 100000 farmers. Through the KCC applicants can easily avail loans at low interest rates. To make each section of the agricultural sector more efficient, the authority has planned to achieve the below given target.

District namesCredit Card
Aligarh Division2187
Agra Division2863
Azamgarh Division10148
Prayagraj Division7758
Kanpur Division5703
Gorakhpur Division10349
Chitrakoot Division4096
Jhansi division3321
Devipatan mandal2811
Ayodhya Division8239
Bareilly Division3097
Colony board3701
Meerut Division4552
Moradabad Division8409
Varanasi Division5254
School of education3888
Saharanpur Division1494
Lucknow Division12130

Kisan Credit Card Indian Bank

KCC is offered by the private and public sector banks across the country. Farmers who wish to apply for KCC can visit any of the bank as per their convenience.

All the public sector banks provide KCC to eligible farmers, and these banks include

  • National Payments Corporation of India (NPCI)
  • National Bank for Agriculture and Rural Development (NABARD)
  • State Bank of India (SBI)
  • Industrial Development Bank of India (IDBI)
  • Cooperative banks

THE INDIAN BANK ASSOCIAITION की तरफ से जारी की गयी एडवाइजरी के ज़रिये सभी बैंको को यह निर्देश दिए गए है की किसान क्रेडिट कार्ड, क़र्ज़ माफ़ी से जुड़े सभी सर्विसेज पर छूठ दी जाए।

Also, have a look at the names of the some of the Kisan credit card indian bank private and government bank offering KCC given below-  

  • State Bank of India
  • Bank Of India
  • ICICI Bank
  • PNB
  • Axis Bank
  • HDFC Bank
  • Indian Overseas Bank
  • Odisha Gramya Bank

KCC Yojana Online Apply through PM Kisan portal

In order to kisan card apply online, farmers can follow the simple instructions shared below-

  • Visit the official website of PM Kisan i.e.
  • On the homepage, click on “Download KCC Form” tab.
  • PDF form of KCC application form will appear.
  • Print the application form.
  • Fill the required details in the application form.
  • Attach all the necessary documents and visit the concerned bank.
  • After completing all the formalities, bank will issue Kisan credit card and on the basis of which farmer can apply for loan.

Apart from PM Kisan portal, farmers can also avail the KCC application form from or directly from the bank.

KCC: How to Apply for Kisan Credit Card Online

  1. You need to visit the online website of respective Bank you want to apply.
  2. Look for loans option at the home page and then search ‘Apply for KCC’
  3. Now application form will open, read and fill the details correctly.
  4. Click submit button
  5. You will get an application reference number.
  6. Save the reference number for future reference.

KCC Links of top banks

किसान केडिट कार्ड प्राप्त करने क लिए किसान निचे दिए गए लिंक्स के माध्यम से ऑनलाइन KCC एप्लीकेशन फॉर्म भर सकते हैं। कुछ निजी बैंको क लिए आपको सर्प्रथम अपनी जानकारी जैसे नाम, पता, जिला, राज्य, और मोबाइल नंबर उनके ऑफिसियल वेबिस्ते पर दाखिल करना होगा जिसके बाद बैंक कर्मचारी अप्प्स संपर्क करेंगे।

किसान निचे दिए गए लिंको से प्रत्येक बैंक का एप्लीकेशन फॉर्म डाउनलोड कर सकते है। एप्लीकेशन फॉर्म को भर कर नज़दीकी शाखा में दर्ज करें।

Bank NameKCC Loan Official Link  
Axis BankClick Here
ICICI BankClick Here
Punjab National BankClick Here
Bank of BarodaClick Here
Andhra BankClick Here
Allahabad BankClick Here
Odisha Gramya BankClick Here
Sarva Haryana Gramin BankClick Here
Canara BankClick Here
HDFC BankClick Here
Bank of MaharashtraClick Here
State Bank of IndiaClick Here

KCC Insurance for farmers

KCC provides personal accident insurance coverage up to Rs. 50,000 For death. And in case of accident resulting in disability Rs. 25,000


How to apply for KCC loan?

You can visit the concerned bank and apply for loan directly by using your KCC card.

Is there any fixed rate of interest applicable for loan on KCC?

No, there is no fixed rate of interest and it is decided by the concerned bank. However, RBI also keeps on checking the ceiling of rate of interest offered by the bank to the farmers.

Do farmers also get any insurance benefits along with KCC loan?

Yes, farmers also get an insurance cover up to Rs.50,000/- in case of death and permanent disability and a cover of Rs.25,000/- for other risks.

Apart from agriculture, which allied areas are covered under KCC?

Inland Fisheries and Aquaculture, Marine Fisheries, Poultry and Dairy.

How can I utilize the loan on किसान क्रेडिट कार्ड?

You can use it in following areas-
As working capital for day-to-day activities
Expenses incurred in crop production
Expenses related to marketing
Expenses related to maintenance of farming equipment, assets, other activities such fisheries, dairy etc.
Investments on agriculture purpose

I do not have any load or credit card of any bank as of now but wish to apply for KCC, can I apply for it?

Yes, if you are a farmer and fulfil all the eligibility requirements, you can apply for KCC.

What do I have to do get the KCC?

For this you have to submit your application. Application form can be downloaded from the link shared above. You have to visit the bank offering KCC near you and complete the process.

If I avail the moratorium relief, will there be any effect on my CIBIL reporting/ credit rating?

No, there will not be any effect on your credit rating. However, any overdue of your’s prior to said date i.e. 1st March 2020 will be reported to the concerned bureau and that may affect your credit rating.

Will my interest on KCC loan be waived for three months as per the relief package provided by the RBI?

No, RBI has only announced for deferring the payment of interest not for the waiver of loan, After, 31st May 2020, you have to pay the accrued interest due on June 30th 2020.

What are the list of important documents required to avail the KCC Loan?

The important documents which are needed to apply for the KCC Loan are provided below-:
Photo Identity Card,
Land details documents,
Mobile Number,
Address Proof,
PAN Card and Photo Identity.

What are the essential eligibility guidelines to avail the loan?

The basic eligibility is that the applicant must be a permanent resident of India apart from this they should have their own cultivable land. These are the basic requirement to avail the KCC Loan.

What are the interest rates for the KCC?

The interest rates for Kisan Credit Card is 7% from which 3% is returned to the applicant if they have done the repayment on time.

What is the tenure of the loan?

The tenure of the Kisan Credit Card loan is for 5 years.

What is the maximum amount of loan that can be availed form the Kisan Credit Card Loan scheme?

The maximum amount of loan that can be availed from the Kisan Credit Card loan scheme is up to 3 lakhs.

What amount is provided in case of crop damage?

The beneficiary can claim up to 25,000 in the case of crop damage.

In case of accident or other mishap, how much amount is insured for the beneficiaries?

The accident insurance coverage up to Rs. 50,000 For death and Rs 25,000 for permanent disability.

किसान क्रेडिट कार्ड से कौन-कौन से व्ययसाये के लिए ऋण प्राप्त होता है?

किसान कृषि, मत्स्य पालन, पशुपालन आदि व्यवसायों क लिए किसान क्रेडिट कार्ड से ऋण प्राप्त क्र सकते है।

Kisan Credit Card Helpline Number

Toll-Free – 1800 115 526
Tolled Helpline Number – 0120-6025109/155261
Help desk Email address –

1 thought on “Kisan Credit Card Yojana [Online Apply] List, Application Status, Helpline Number; किसान क्रेडिट कार्ड योजना”

  1. Dear sir,
    My name Mallikarjun Mahadev Gadade
    I from sangli district hath taluka i apply KCC card on digital service from my village ko.boblad so please check on my name kcc card and forward to me


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