India is a nation where the role of agriculture in the national economy is extremely important. It acts as the backbone of the economy of the country. However, the farmers of India are facing a lack of timely and affordable credit in the market. In order to solve this problem, the government of India has introduced the Kisan Credit Card Scheme 2025 (KCC), which is a simple and easily accessible credit facility for rural farmers.
This article outlines the definition of Kisan Credit Card Scheme 2025 , its principal advantages, conditions of eligibility, and the procedure for farmers to be accepted in 2025.
What is the Kisan Credit Card (KCC) Scheme?
The Kisan Credit Card Scheme is a scheme introduced by NABARD (National Bank for Agriculture and Rural Development) in 1998, for providing short-term financial aid to the farmers in their agricultural operations. The card operates like a credit card but is only for farmers to pay for the following expenses:
- Purchase of seeds, fertilizers, and pesticides
- Cost of irrigation or farm equipment
- Post-harvest expenses
- Livestock and dairy-related expenses
Today, the scheme has become so popular and expanded to cover the fishermen, dairy farmers, poultry farmers, and the other allied agricultural sectors.
Key Benefits of the Kisan Credit Card Scheme 2025
These are the major benefits that makes KCC one of the most popular schemes among Indian farmers:
1. Easy Access to Low-Interest Loans
- Interest rates start from as low as 4% per annum (after subsidy)
- Interest subvention for timely repayment
- No need to visit moneylenders or borrow at high interest
2. Flexible Repayment Options
- Repayments aligned with the harvest season.
- Some cases allow for grace periods
- Lessens the burden of fixed monthly EMIs
3. Facility Similar to an ATM Card
Farmers are given a KCC debit card that functions like an ATM card
Allows simple withdrawal from bank accounts
Lessens the paperwork and raises convenience
4. Coverage extended to the allied Agricultural Activities
- It covers areas like animal husbandry, poultry, fisheries, etc.
- Without offering assets as security, it is possible to get a loan of up to ₹1.60 lakh.
- Higher limits with security/collateral
5. Insurance Benefits
- Personal accident insurance cover of up to ₹50,000 for death
- ₹25,000 for permanent disability
- Under PMFBY (Pradhan Mantri Fasal Bima Yojana), some states also provide extra crop insurance benefits
Kisan Credit Card Eligibility Criteria
The KCC scheme application must find the applicant the following conditions have been met:
- Should be a citizen of India, engaged in farming or allied activities
- Individual farmers, tenant farmers, sharecroppers, all of them are eligible
- Self Help Groups (SHGs) or Joint Liability Groups (JLGs) involved in farming can also apply
Documents Required For Kisan Credit Card
- Identity proof (Aadhaar card, PAN card, Voter ID)
- Address proof (Electricity bill, Ration card, etc.)
- Land ownership proof or lease agreement (if applicable)
- Passport-size photographs
- Bank account details (for KCC linkage)
How to Apply for a Kisan Credit Card
For a KCC you can apply without much difficulty either online or offline.
Offline Application Process:
- Pay a visit to your nearest bank branch (e.g., SBI, HDFC, Bank of Baroda, Punjab National Bank, etc.)
- Request the Kisan Credit Card application form
- Input the required data and submit documentation
- Bank officials will carry out the document verification
- After approval, you shall receive the KCC along with passbook/cheque book
Online Application Process (via PM Kisan Portal):
- Visit the official PM Kisan KCC Portal
- Tap on “Apply for KCC” enter your Aadhaar number, registered mobile, and OTP
- Complete the application form with farm and bank information
- Send the form and write down the reference number for tracking
Once your bank approves, they will carry out the application and hand over the card.
KCC Loan Amount and Interest Rates
| Loan Purpose | Loan Amount | Interest Rate |
| Crop loan (short-term) | Up to ₹3 lakh | 4% (with timely repayment) |
| Animal husbandry/fisheries | Up to ₹2 lakh | 7% (interest subsidy available) |
| Without collateral | Up to ₹1.60 lakh | Based on bank’s policy |
Conclusion
The Kisan credit scheme is a lifeline for the millions of Indian Farmers, helping them break free from the credit traps. With low interest rates, flexible repayments and wide coverage, it empowers rural farmers to grow with financial freedom.
If you are a farmer or involved in allied activities, don’t miss out this KCC scheme in 2025. It is simple to apply, widely accepted and packed with the benefits according to your needs.
FAQs
Q1 Who can apply for the Kisan Credit Card?
Any farmer, tenant farmer, or livestock owner that are involved in the agriculture can apply.
Q2. Is collateral required for a KCC loan offline?
No, up to ₹1.60 lakh there is no collateral required.
Q3. Can I apply for KCC loan online?
Yes, via the official PM kisan portal you can apply online.
Q4. What is the interest rate on the KCC Scheme?
It can be as low as 4% per annum with subsidies.
Q5. Is insurance included in the KCC scheme?
Yes accidental insurance included and crop insurance are included