What are the activities for which I can get a Kisan credit card?

You can get a Kisan Credit Card if you want to cover expenses that are related to working capital requirements, and crop production. Other expenses like other agricultural activities like dairy animals, and maintenance of farming assets are included.

Should apply for an insurance separately when I get a Kisan Credit Card?

You will get an insurance after your Kisan credit card application has been accepted.

What is the tenure of the Kisan Credit Card loan?

The tenure for a Kisan Credit Card loan is 5 years.

Kisan Credit Card Interest Rates

The Kisan Credit Card is a scheme launched by the Government of India. This offers farmers access to credit via Kisan credit cards. The Kisan Credit Card (KCC) scheme had been launched in 1998. The aim of the scheme is to provide short-term credit to all farmers in India. The scheme was created by NABARD (National Bank for Agriculture and Rural Development).

Updated On - 05 Sep 2025

Benefits of the Kisan Credit Card

The KCC scheme ensures that credit requirements for a lot of farmers in the agricultural field in India are met. These include fisheries and animal husbandry sectors as well.

Farmers can avail short-term loans and they can purchase equipment for their land and meet other expenses.

Kisan Credit Card Interest Rates with Banks

Bank	Kisan Credit Card Interest Rate
SBI Kisan Credit Card	Up to 7% p.a.
PNB Kisan Credit Card	7%
HDFC Bank Kisan Credit Card	9%
Axis Bank Kisan Credit Card	8.85% to 13.10%
Mahabank Kisan Credit Card	7%
Indian Overseas Bank Kisan Credit Card	7% (interest subvention provided)
UCO Bank	7% (interest subvention provided)

Eligibility Criteria for Kisan Credit Card Interest Rates

You can get the Kisan Credit Card if you are engaged in in the agriculture and other related activities. Even if you are involved in non-farming activities, you can get a Kisan Credit Card.

You or/and the co-borrower should be between 18 and 75 years old.

Documents Required for Kisan Credit Card Interest Rates

PAN Card
Aadhaar card
Driver's licence
Passport
Voter's ID
Overseas Citizen of India Card
Person of Indian Origin Card
Job card issued by NREGA
Letters issued by the UIDAI
Latest salary slip (not over 3 months old)
Latest Form 16
Last 3 months' bank statement

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FAQs on Kisan Credit Card Interest Rates

What are the activities for which I can get a Kisan credit card?
You can get a Kisan Credit Card if you want to cover expenses that are related to working capital requirements, and crop production. Other expenses like other agricultural activities like dairy animals, and maintenance of farming assets are included.
Should apply for an insurance separately when I get a Kisan Credit Card?
You will get an insurance after your Kisan credit card application has been accepted.
What is the tenure of the Kisan Credit Card loan?
The tenure for a Kisan Credit Card loan is 5 years.

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