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Kisan Credit Card 2026: Eligibility, Benefits & How to Apply

Kisan Credit Card (किसान क्रेडिट कार्ड) — Crop loan at an effective 4% for prompt repayers · Farmers, tenant farmers, SHGs/JLGs

Ongoing

Crop loan at an effective 4% for prompt repayers — Farmers, tenant farmers, SHGs/JLGs

LATEST · 11 Mar 2026Over 7.72 crore KCCs are active with about Rs 10.2 lakh crore outstanding; PIB says the MISS loan limit has been raised to Rs 5 lakh and collateral-free credit to Rs 2 lakh per borrower. pib.gov.in ↗
Official site: pib.gov.in ↗

Source: pib.gov.in · checked 21 Oct 2026

Kisan Credit Card quick answers

What you getCrop loan at an effective 4% for prompt repayerspib.gov.inWho can get itFarmers, tenant farmers, SHGs/JLGsSee eligibilityHow to applySee the stepsOfficial websitepib.gov.inCentral government

Benefit

  • Short-term crop loans through banks, with 1.5% interest subvention from the Government (Modified Interest Subvention Scheme, continued for 2025-26).
  • Farmers who repay on time get a further 3% incentive, so the effective interest rate is 4% a year.
  • Collateral-free KCC credit is ₹2 lakh per borrower from 1 January 2025 (earlier ₹1.6 lakh).

Source: pib.gov.in ↗ · 21 Oct 2026

Latest official updates

  • Over 7.72 crore KCCs are active with about Rs 10.2 lakh crore outstanding; PIB says the MISS loan limit has been raised to Rs 5 lakh and collateral-free credit to Rs 2 lakh per borrower.pib.gov.in ↗
  • Union Cabinet approved continuation of the Modified Interest Subvention Scheme for 2025-26 with 1.5% interest subvention; prompt repayers get 3% more, so the effective rate is 4%.pib.gov.in ↗

Am I eligible for Kisan Credit Card?

Who can apply

Tick each line that is true for you.

Source: myscheme.gov.in ↗ · 21 Oct 2026

How to apply

Steps

  1. Visit the website of the bank you wish to apply for the kisan credit card scheme.
  2. From the list of options, choose the Kisan Credit Card.
  3. On clicking the option of ‘Apply’, the website will redirect you to the application page.
  4. Fill the form with the required details and click on ‘Submit’.
  5. On doing so, an application reference number will be sent. If you are eligible, the bank will get back to you for the further process within 3-4 working days.

Documents

  • Application Form.
  • Two Passport Size Photographs.
  • ID proof such as Driving License / Aadhar Card / Voter Identity Card / Passport.
  • Address Proof such as Driving License, Aadhar Card.
  • Proof of landholding duly certified by the revenue authorities.
  • Cropping pattern (Crops grown) with acreage.
  • Security documents for loan limit above Rs.1.60 lakhs / Rs.3.00 lakhs, as applicable.
  • Any other document as per sanction.

Source: myscheme.gov.in ↗ · 21 Oct 2026

Kisan Credit Card: questions people ask

What is the validity period of the Kisan Credit Card?

This validity period is 5 years. The tenure you do get depends on the type of activity you plan to use the money for

What is the age requirement in order to apply for a Kisan Credit Card ?

You should me a minimum of 18 years of age and be a maximum age of 75 years. If you are a senior citizen, then it is mandatory to have a co-borrower who is a legal heir.

Source: myscheme.gov.in ↗

What changed on this page

· Over 7.72 crore KCCs are active with about Rs 10.2 lakh crore outstanding; PIB says the MISS loan limit has been raised to Rs 5 lakh and collateral-free credit to Rs 2 lakh per borrower.

· Union Cabinet approved continuation of the Modified Interest Subvention Scheme for 2025-26 with 1.5% interest subvention; prompt repayers get 3% more, so the effective rate is 4%.

· Facts checked against the official sources on 21 Oct 2026.

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