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Overview – Kisan Credit Card Kya Hai?

Kisan Credit Card (KCC) scheme ko Government of India ne launch kiya tha farmers ko timely aur adequate credit dene ke liye unke agriculture operations ke liye. Scheme me interest subvention of 2% aur prompt repayment incentive of 3% milta hai, jisse farmers ko sirf 4% annual interest rate pe loan milta hai.

Ye scheme short-term cultivation loan se lekar long-term investment credit tak cover karti hai, including allied aur non-farm activities bhi.

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Key Objectives of Kisan Credit Card

• Crop cultivation ke liye short-term credit
• Post-harvest expenses cover karna
• Produce marketing loan
• Farmer household ke consumption needs
• Working capital for maintenance of farm assets
• Allied agriculture investment support

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Type of Kisan Credit Card

• Magnetic Stripe Card with PIN and ISO IIN
• Biometric-enabled Debit Card (UIDAI based)
• EMV & RuPay Chip Cards (for secure transactions)
• Smart Cards (compatible with dealers, mandis, etc.)

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Delivery Channels for KCC Transactions

• ATM / Micro ATM
• Business Correspondents (BC) through Smart Cards
• PoS Machines at input dealers
• Mobile Banking (IMPS / IVR)
• Aadhaar-enabled Payment System (AePS)

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Also Read :-  किसानों के लिए सरकार की सबसे बड़ी ओर अच्छी बीमा योजना 2025

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Benefits of Kisan Credit Card

✅ 4% subsidized interest rate with timely repayment
✅ Flexible repayment schedule
✅ Multiple withdrawals as per crop season
✅ Loan for both cultivation & equipment purchase
✅ Credit limit increases every year
✅ Crop insurance and PAIS coverage

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Credit Limit & Loan Details

🟢 1st Year Short-Term Limit:
Crop finance + 10% for household needs + 20% for maintenance + insurance cost

🟢 2nd to 5th Year:
Every year 10% hike in limit + Term loan for investment needs

🟢 Long-Term Loan:
Land development, irrigation, farm machinery, dairy, poultry, etc.

🟢 MPL (Maximum Permissible Limit):
5th year short-term limit + estimated long-term investment requirement

Note: Card limit can be bifurcated into short-term crop loan & term loan parts for better accounting & interest benefit.

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Eligibility Criteria

✅ Who Can Apply?

• Individual or joint owner cultivators
• Tenant farmers, oral lessees, sharecroppers
• Self Help Groups (SHGs)
• Joint Liability Groups (JLGs) including tenant farmers

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How to Apply for Kisan Credit Card?

🟢 Online Process:

1. Visit your bank’s official website
2. Choose “Kisan Credit Card” option
3. Click on “Apply”
4. Fill application form and submit
5. You will get a reference number
6. Bank will contact you within 3–4 working days

🟢 Offline Process:

• Visit nearest branch of participating bank
• Ask for KCC form
• Submit required documents
• Verification ke baad card issue hoga

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Documents Required

• Filled Application Form
• 2 Passport Size Photos
• ID Proof: Aadhaar / Voter ID / DL / Passport
• Address Proof
• Landholding proof certified by revenue department
• Cropping pattern details
• Security documents (if loan > ₹1.60 lakh or ₹3 lakh)

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Important Links

Description	Link
Official Notification	Click Here
SBI KCC Apply	Click Here
PNB KCC Apply	Click Here

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Final Thoughts

Kisan Credit Card ek game-changing scheme hai jisse millions of Indian farmers ko affordable aur timely credit mil raha hai. Agar aap bhi ek farmer hai, to KCC apply karke apni farming aur allied activities ko boost kariye. Minimum documents me loan milta hai, aur timely repayment pe 4% interest hi lagta hai.

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