Kisan Credit Card (KCC)
Updated: 16 Oct 2025
Ministry:
Ministry of Agriculture & Farmers Welfare
Beneficiary:
Farmers
Overview
The Kisan Credit Card scheme provides farmers and allied sector workers with timely, flexible credit through banks to meet cultivation, post-harvest, marketing, consumption, and investment needs under a single window system.
Quick facts
- Purpose: To meet the financial requirements of farmers at various stages of farming.
- Implementing agency: Commercial Banks, RRBs, Small Finance Banks and Cooperatives.
- Eligibility: Farmers - individual/joint borrowers who are owner cultivators; Tenant farmers, oral lessees & share croppers; Self Help Groups (SHGs) or Joint Liability Groups (JLGs) of farmers including tenant farmers, share croppers etc.
- Allied sectors coverage: Animal husbandry and fishery related
Objectives
- Adequate and timely credit support from the banking system under a single window with flexible and simplified procedure for:
- To meet out the short term credit requirements for cultivation of crops,
- Post-harvest expenses,
- Produce marketing loan,
- Consumption requirements of Farmer Household,
- Working Capital for maintenance of farm assets,
- Investment credit requirement for agriculture and allied activities.
Salient features
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