Loans & Credit

“I need money to plant this season.”

Kisan Credit Card, crop loans and interest subvention — borrowing for the season without going to a private lender.

Central government KCC

Kisan Credit Card (KCC)

The Kisan Credit Card gives a farmer a running credit limit from a bank for the costs of a season — seed, fertiliser, labour, diesel — instead of forcing a fresh loan application every year. You draw what you need and repay after the harvest. Under the Modified Interest Subvention Scheme, short-term crop loans carry 7% interest, and a farmer who repays on time gets a further 3% back, bringing the effective rate to about 4% — which is what makes a KCC far cheaper than borrowing privately. The Union Budget 2025-26 raised the loan limit covered by this subsidised rate from ₹3 lakh to ₹5 lakh. The card also covers allied activities such as dairy, poultry and fisheries, and can be applied for at any commercial bank, regional rural bank or cooperative bank.

What you get

A revolving short-term credit limit for cultivation and allied activity costs. With on-time repayment the effective interest rate is about 4% a year, on loans up to ₹5 lakh.

Who can apply

Farmers who own and cultivate land, individually or jointly
Tenant farmers, oral lessees and sharecroppers
Self Help Group or Joint Liability Group members, including tenant farmers
Farmers engaged in animal husbandry or fisheries, under the allied-activity limits

How to apply

Apply at the bank branch where you hold your account, or through the KCC application form linked from the PM-KISAN portal. Cooperative banks and regional rural banks in Chhattisgarh also issue KCC.

Documents usually asked for

Filled KCC application form
Proof of identity (Aadhaar, voter ID, driving licence or passport)
Proof of address
Land records / proof of cultivation as accepted by the bank
Passport-size photographs

Central government

Interest Subvention on Short-Term Crop Loans (MISS)

This is not a loan you apply for separately — it is the government paying part of the interest on your short-term crop loan so that you pay less. The scheme sets the rate at 7% a year, and a farmer who repays on schedule earns a further 3% back, so the effective cost falls to around 4%. That 3% is the part worth protecting: it is lost entirely if repayment is late, even by a little. Since the Union Budget 2025-26 the subsidised rate covers loans up to ₹5 lakh, raised from ₹3 lakh. Rates and ceilings are revised by government from time to time, so confirm the current figures with your bank.

What you get

Short-term crop credit at 7% a year, falling to roughly 4% when repayment is on time, on loans up to ₹5 lakh.

Who can apply

Farmers holding a Kisan Credit Card or a short-term crop loan from a scheduled bank, RRB or cooperative bank
The 3% prompt repayment incentive applies only if the loan is repaid within the period set by the bank
Applies to short-term crop loans up to the ceiling notified under the scheme

How to apply

No separate application. The subvention is applied by your lending bank to an eligible crop loan account. Ask your branch to confirm your loan is booked under the scheme.

Documents usually asked for

An existing KCC or short-term crop loan account

"We'll help you apply"

Planned — not available

A guided application-help service is something we want to build. It does not exist yet, and nothing here is active. We are showing this so you know what is planned — not to suggest it is available.

Covering Chhattisgarh state schemes and central government schemes. We are expanding to other states over time.