About Kisan Credit Card (KCC) Scheme

The Kisan Credit Card Scheme aims at providing adequate and timely credit support to farmers under a single window with flexible and simplified procedures for their cultivation and other needs, as detailed below:

• To meet short-term credit requirements for the cultivation of crops.
• Post-harvest expenses.
• Consumption requirements of the farmer's household.
• Working capital for maintenance of farm assets and activities allied to Agriculture, such as dairy animals and inland fisheries.
• Investment credit requirements for Agriculture and allied activities, such as pump sets, sprayers, and dairy animals, repayable within a period of one year.
• To extend KCC facilities to Animal Husbandry farmers and Fisheries for their working capital requirements.

Eligibility Criteria

• All Farmers – Individuals or Joint borrowers who are owner cultivators.
• Tenant Farmers, Oral Lessees, and Share Croppers.
• Self-Help Groups (SHGs) or Joint Liability Groups of Farmers, including tenant farmers and sharecroppers.
• The applicant should be in the age group of 18-70 years to be eligible for PAIS (Personal Accident Insurance Scheme).