The Kisan Credit Card 2025 continues to be a lifeline for millions of Indian farmers, providing easy and affordable credit for agricultural and allied activities. Launched by the Government of India and operated through banks, the KCC scheme empowers farmers by offering flexible credit to manage expenses related to seeds, fertilizers, irrigation, harvesting, and even livestock.
In 2025, several updates have been made to simplify the application process, expand coverage, and enhance credit limits, making it more accessible to marginal and small farmers. Here’s a complete guide to help you understand and apply for the Kisan Credit Card 2025.
What Is the Kisan Credit Card?
The Kisan Credit Card (KCC) is a government-backed scheme that provides short-term loans at subsidized interest rates for crop cultivation and allied activities like dairy, poultry, and fisheries. The primary objective is to ensure timely access to credit without farmers needing to rely on informal lenders.
Issued by commercial banks, cooperative banks, and Regional Rural Banks (RRBs), the KCC offers:
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Loan amounts based on landholding and crop type
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Interest rates as low as 4% with subsidies
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Repayment after the harvest cycle
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ATM-enabled debit card for direct purchases
With over 27 crore cards issued since inception, KCC remains a flagship initiative for agricultural credit inclusion.
Eligibility Criteria for KCC 2025
To apply for the Kisan Credit Card 2025, farmers must meet the following eligibility guidelines:
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Must be an Indian citizen involved in farming
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Individual or joint ownership of agricultural land
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Tenant farmers, sharecroppers, and oral lessees are also eligible
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Engaged in crop production, animal husbandry, fisheries, or allied activities
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Must be between the age of 18 to 75 years
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If above 60, a co-borrower below 60 is required
In 2025, the inclusion of fisheries and animal husbandry workers without land ownership has further broadened access.
How to Apply for Kisan Credit Card in 2025
The government has streamlined the KCC application process both online and offline. Here are the steps:
Online Application via PM Kisan Portal:
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Visit https://pmkisan.gov.in
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Click on “Apply for Kisan Credit Card”
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Enter Aadhaar number and PM-KISAN registration details
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Fill in landholding and bank details
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Upload supporting documents
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Submit the form and await bank verification
Offline Application at Bank Branch:
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Visit any public or private bank with a filled KCC form
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Submit land documents, ID proof, and a recent photograph
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Bank officials conduct verification and CIBIL score check
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Card is issued within 14 working days upon approval
Most banks including SBI, Bank of Baroda, and HDFC offer dedicated KCC counters to assist applicants.
Required Documents for KCC 2025
When applying for the Kisan Credit Card 2025, the following documents are mandatory:
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Aadhaar card (linked with bank account)
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Land ownership proof or lease agreement
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Passport-size photograph
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PAN card (if available)
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PM-KISAN ID (for direct linkage benefits)
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Livelihood proof (for animal husbandry/fisheries applicants)
Banks may also check the credit history or existing loans before sanctioning.
Benefits of Kisan Credit Card
The Kisan Credit Card 2025 offers several advantages to empower farmers financially:
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Low interest rates (as low as 4%) with interest subvention
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Credit limit up to ₹3 lakhs, with flexible renewal
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No collateral for loans up to ₹1.6 lakhs
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Repayment after harvest or within 12 months
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Crop insurance and personal accident insurance coverage
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Withdrawal via ATM using KCC smart card
Farmers also get access to government schemes like PMFBY (crop insurance), Soil Health Cards, and subsidies using their KCC account.
KCC Interest Rate & Repayment Chart (2025)
| Loan Amount | Interest Rate (after subsidy) | Collateral Needed | Repayment Period |
|---|---|---|---|
| Up to ₹1.6 Lakhs | 4% | No | 12 months |
| ₹1.6L – ₹3 Lakhs | 7% | Yes | 12–18 months |
FAQs
Who can apply for the Kisan Credit Card in 2025?
All farmers, including smallholders, tenant farmers, and livestock or fisheries workers, can apply under the updated KCC scheme.
How long does it take to get the KCC approved?
Generally, the KCC is approved within 14 working days after all documents are submitted and verified.
Can I apply for KCC without land ownership?
Yes, animal husbandry and fisheries applicants can apply with valid livelihood proof even if they don’t own land.
Is there a fee to apply for the KCC?
No application fee is charged. However, stamp duty may apply in some states based on loan size.
Can I use the KCC for purchasing equipment?
Yes, KCC credit can be used for seeds, fertilizers, equipment, livestock feed, and allied agriculture needs.
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