Farmers & CreditOffline / Camp Submission

How to Apply for Kisan Credit Card (KCC)

কিষান ক্রেডিট কার্ড (KCC)

Complete step-by-step application guide for Kisan Credit Card (KCC) (কিষান ক্রেডিট কার্ড (KCC)), covering eligibility snapshot, mandatory documentation, submission procedures, and official portal links.

Application Mode:Offline / Camp Submission

Application Fee:Free of Cost (No application fee)

Processing Time:15 to 30 working days

Total Steps:5 Steps

1. Who Can Apply?

Full Criteria

Individual or joint farmers who are owner-cultivators with clear land titles
Tenant farmers, oral lessees, and sharecroppers cultivating agricultural land
Self-Help Groups (SHGs) or Joint Liability Groups (JLGs) of farmers and sharecroppers
Farmers, individual fishers, fish farmers, dairy and poultry entrepreneurs for allied KCC

2. Documents You May Need

Duly Filled KCC Application FormMandatory

Standard simplified one-page agricultural credit application form available at bank branches.

Identity Proof (Aadhaar / Voter ID / PAN)Mandatory

Government-issued photo identification proof of the borrower and co-borrower.

Address ProofMandatory

Proof of residential address (Aadhaar card, Voter card, or Electricity bill).

Land Ownership Records (RoR / Parcha / Khatian) or Cultivation CertificateMandatory

Copy of land records showing ownership/cropping details, or tenancy agreement/panchayat certificate for sharecroppers.

3. Step-by-Step Application Process

Identify Farming Need & Approach Nearest Bank Branch

Visit your nearest Commercial Bank, Regional Rural Bank (Bangiya Gramin/Paschim Banga Gramin), or Cooperative Bank (DCCB/PACS) branch.

Obtain & Fill the Simplified KCC Form

Collect the simplified KCC application form, fill in landholding acreage, proposed crop details, and personal information.

Attach Land Documents & Identity Proofs

Attach copies of Aadhaar card, land records (Parcha/RoR), passport photo, and cultivation declarations.

Credit Assessment & Loan Limit Sanction

The bank officer assesses the credit limit based on the DLTC Scale of Finance and verifies the collateral-free threshold (up to ₹1.60 Lakh).

Account Activation & RuPay KCC Card Issuance

Execute the loan agreement, receive the RuPay Kisan Credit Card, and draw funds as per your cultivation schedule.

4. After Applying & Status Tracking

Following submission, your application and submitted documents are verified by the designated block or department officials. Processing typically completes within 15 to 30 working days.

Offline Submission Center: Duare Sarkar Camp / BDO Office / Municipality Office

Important Warnings & Advice

•KCC is an institutional credit facility (loan), NOT a cash grant or automatic loan-waiver scheme.
•Effective interest rate is 4% p.a. for short-term crop loans up to ₹3 Lakh when repaid on or before due date.
•No collateral security or land mortgage is required for loans up to ₹1.60 Lakh as per RBI guidelines.
•KCC covers crop farming as well as working capital for dairy, animal husbandry, poultry, and fisheries.
•KCC is completely independent from PM-KISAN and Krishak Bandhu; eligible farmers can hold both.

5. Official Government Portals & Sources

Department of Financial Services (DFS), Ministry of FinanceDepartment of Financial Services (DFS), Ministry of Finance & Ministry of Agriculture & Farmers Welfare in coordination with RBI & NABARD

Open Official Portal