Kisan Credit Card 2026 – 4% Interest, Eligibility & How to Apply

🌾 What is Kisan Credit Card?

Kisan Credit Card (KCC) is a revolving credit facility for farmers to meet their agricultural needs — seeds, fertilisers, pesticides, equipment — and allied activities like animal husbandry and fisheries. The interest rate is subsidised by the government to just 4% per annum for loans up to ₹3 lakh if repaid on time.

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Up to ₹3 Lakh

At 4% Interest p.a.

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Revolving Credit

Withdraw & Repay Anytime

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Farmers + Allied

Agriculture & Fisheries

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5 Years

Card Validity

Who is Eligible?

All farmers — owner cultivators, tenant farmers, oral lessees, sharecroppers
Self Help Groups (SHGs) and Joint Liability Groups (JLGs) of farmers
Farmers engaged in allied activities — animal husbandry, fisheries, poultry
No minimum land holding requirement
Tenant farmers and oral lessees are eligible without land ownership proof

Interest Rate & Subsidy

Actual interest rate on KCC: 7% p.a.
Government interest subvention: 3% (for timely repayment)
Effective rate for farmer: 4% p.a. (if loan repaid within due date)
For loans above ₹3 lakh: normal interest rate applies (around 9–11% p.a.)
Additional 3% subvention for prompt repayment — making it effectively 4%

Documents Required

Land records / Patta (for owner farmers)
Aadhaar card + PAN card
Tenancy agreement or affidavit (for tenant farmers)
Passport-size photographs
Bank account details
Village/Taluk office certificate for allied activities (fisheries/poultry)

How to Apply

Visit any bank branch

KCC is available through all nationalised banks, cooperative banks, and RRBs. SBI, Canara Bank, Indian Bank have wide coverage in rural Tamil Nadu.

Submit KCC application

Fill the KCC application form with your land details or tenancy proof. Bank officials often visit the field for verification.

Bank sanction

KCC limit is set based on your land holding, crop pattern, and scale of finance per acre fixed by the State Level Bankers Committee (SLBC) for Tamil Nadu.

RuPay Kisan Credit Card issued

You receive a RuPay Kisan Credit Card to withdraw funds as needed from ATMs or bank branches. No need to approach bank for each withdrawal.

Repay after harvest

Repayment is typically after crop harvest — kharif season (Oct–Nov) or rabi season (Mar–Apr). Timely repayment gives you the 3% additional subvention.

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Frequently Asked Questions

Can landless farmers get Kisan Credit Card?▼

Yes. Tenant farmers, oral lessees, and sharecroppers can get KCC. They need a tenancy agreement or a certificate from the village panchayat or revenue officer confirming they cultivate the land.

What is the KCC limit for 1 acre of land in Tamil Nadu?▼

KCC limits are based on the Scale of Finance (SoF) fixed by the District Level Technical Committee (DLTC) for each crop. For paddy in Tamil Nadu it is typically ₹35,000–₹55,000 per acre per season. Contact your local bank or Guhan Capitals for current rates.

Can KCC be used for personal expenses?▼

No. KCC is meant specifically for agricultural and allied activity expenses — seeds, fertilisers, pesticides, labour, post-harvest expenses. Banks may conduct field verification.

Is Kisan Credit Card available for fishermen?▼

Yes. The KCC scheme was extended to fishermen and fish farmers in 2020. They can get working capital for fish seed, feed, equipment maintenance and other related expenses.