Kisan Credit Card (KCC): Eligibility & Benefits 

Introduction

The Kisan Credit Card (KCC) scheme was introduced by the Government of India to provide farmers with affordable credit for agricultural needs. With simplified access to credit, KCC helps farmers manage their farming expenses, purchase inputs, and even cover unforeseen financial needs.

1. Key Features of Kisan Credit Card

✅ Low-Interest Rates: Interest rates start at just 4% per annum with timely repayment.
✅ Flexible Repayment Options: Farmers can repay after the harvest cycle.
✅ Collateral-Free Loans: Up to ₹1.6 lakh without collateral; higher amounts may require security.
✅ Comprehensive Coverage: Covers crop production, post-harvest expenses, and allied activities like dairy and fisheries.
✅ Accidental Insurance Coverage: Provides ₹50,000 for death and ₹25,000 for disability.
✅ Overdraft Facility: Farmers can withdraw funds up to a certain limit, ensuring continuous financial support.

2. Eligibility Criteria

✅ Who Can Apply?

• Farmers (individuals and joint borrowers).
• Tenant farmers, oral lessees, and sharecroppers.
• Self-help groups (SHGs) and joint liability groups (JLGs) engaged in agriculture.

✅ Documents Required:

• Identity Proof: Aadhaar, PAN, Voter ID, or Passport.
• Address Proof: Ration Card, Utility Bill, or Driving License.
• Land Ownership Proof: Required for crop loans.
• Bank Account Details: For loan disbursement.

3. How to Apply for Kisan Credit Card?

✅ Online Method:

1. Visit your bank’s official website.
2. Navigate to the Kisan Credit Card section.
3. Fill in the application form and upload necessary documents.
4. Submit and wait for bank verification.

✅ Offline Method:

• Visit the nearest bank branch offering KCC services.
• Fill out the KCC application form and submit required documents.
• The bank will verify your eligibility and sanction the loan.

4. Benefits of Kisan Credit Card

✅ Easy Access to Credit: Farmers can withdraw funds anytime for farming activities.
✅ Reduced Dependence on Moneylenders: Eliminates the need for high-interest loans from informal sources.
✅ Encourages Investment in Modern Farming: Farmers can buy better seeds, fertilizers, and machinery.
✅ Financial Security: Insurance coverage provides safety in case of uncertainties.
✅ Government Subsidies: Eligible for interest subvention schemes and relief packages.

5. Contact for Assistance

📞 +91 7014180458
📧 ratanmetalsjaipur@gmail.com

Conclusion

The Kisan Credit Card is a powerful tool for empowering farmers by providing easy access to credit. By using KCC effectively, farmers can improve their agricultural productivity and financial stability.