The Kisan Credit Card (KCC) is a financial lifeline designed to support farmers in India by providing easy access to credit. It was launched by the Government of India in 1998 to ensure timely and hassle-free loans for agricultural needs such as purchasing seeds, fertilizers, equipment, and covering other expenses. In today’s digital world, applying for a Kisan Credit Card online has made the process even more accessible for farmers across the country.
In this blog, we’ll cover everything you need to know about how to apply for a Kisan Credit Card online—its benefits, eligibility, required documents, and step-by-step application process.
Benefits of the Kisan Credit Card
The Kisan Credit Card offers a wide range of benefits that make it a popular choice among farmers:
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Low-interest rates, often subsidized under government schemes.
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Flexible repayment tenure that aligns with crop harvesting cycles.
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Loan coverage for both farming and allied activities, including animal husbandry and fisheries.
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Crop insurance coverage under the Pradhan Mantri Fasal Bima Yojana.
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Cashless transactions through the KCC-cum-debit card issued by banks.
Who Can Apply for a Kisan Credit Card?
The KCC is available to a variety of individuals involved in agriculture and allied sectors. You can apply if you are:
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A farmer (individual or joint borrowers) who is engaged in crop production.
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Involved in allied agricultural activities such as animal husbandry, poultry, or fishery.
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A tenant farmer, sharecropper, or oral lessee.
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A member of a self-help group (SHG) or joint liability group (JLG).
Documents Required for Kisan Credit Card
Before you begin the online application process, keep the following documents ready:
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Proof of Identity: Aadhaar card, PAN card, Voter ID, or driving license.
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Proof of Address: Aadhaar card, utility bill, ration card, etc.
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Land ownership documents or tenancy agreements.
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Passport-size photograph.
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