Kishan Credit Card Scheme (KCC)
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To extend adequate and timely support to farmers for their short term credit
Who are eligible for the loan
Farmers with excellent repayment record for 2 years. New farmers with
sizeable deposits with our branches for 3 to 4 years are also eligible.
Borrowers with good track record in other Banks are also eligible.
Farmers who have defaulted in repayment but have liquidated the outstanding
are also eligible.
Loan amount is decided based on the cropping pattern, ancillary and
contingency needs of the farmer for the full year. 90 % of the cost of
cultivation (Scale of Finance) is given as loan per acre. 100 % of the cost
is available as loan upto Rs. 50,000/- and 85 % of the cost is available as
loan above Rs. 1,00,000/-
Documents you need to provide
Land records to ascertain cultivation rights.
Acreage under different crops
Sources of other borrowings eg. Co-operative Societies and Banks.
Disbursement of the loan
As per the cultivation requirements of the crop the loan amount is disbursed
in cash and kind (for fertilizers, pesticides etc)
How do you Repay
It is a revolving cash credit limit with any number of withdrawals and
How to apply for this loan
You may contact our nearest branch for the application or even talk to the
field officers visiting your village and produce the land documents.