Kisan Credit Card (KCC) Loan: How to Get ₹3 Lakh at Just 4% Interest in 2025

What Is the Kisan Credit Card (KCC) Scheme?

The Kisan Credit Card (KCC) scheme is a fantastic initiative from the government designed to provide short-term loans to farmers at very low interest rates. Introduced by the RBI and NABARD, this program aims to support small and marginal farmers, dairy producers, fishermen, and agricultural workers by giving them access to affordable credit for crop production and related activities.

---

💰 KCC Loan Amount and Interest Rate (2025)

Feature	Details
Loan Amount	Up to ₹3,00,000
Interest Rate	7% nominal; 4% after 2% subvention (Govt subsidy)
Collateral Required	❌ No collateral for loans up to ₹1.6 lakh
Loan Type	Revolving Credit (5 years)
Repayment Period	Up to 1 year for short-term crop loans

🔍 Long-tail keyword: Kisan Credit Card loan interest rate for ₹3 lakh in 2025

---

✅ KCC Loan Eligibility

You qualify if you meet the following criteria:

• You’re an individual farmer, a joint landholder, or a tenant farmer. –
• You’re actively involved in crop production. –
• You’re working in areas like fisheries, dairy, poultry, or animal husbandry. –
• You’re part of a Self Help Group (SHG) or a Joint Liability Group (JLG) that focuses on agriculture.

Age requirement: 18 to 75 years (if you’re over 60, you’ll need a co-borrower).

---

📑 Documents Required

• ✅ Aadhaar card
• ✅ PAN card or Form 60
• ✅ Land ownership proof or lease document
• ✅ Passport-size photo
• ✅ Bank passbook / cancelled cheque
• ✅ Income / crop cultivation proof
• ✅ KYC form (from bank)

---

📝 How to Apply for Kisan Credit Card Online (2025)

If you’re looking to apply for a KCC, here are two easy options:

Option 1: Through the PM-Kisan Portal

• – Head over to pmkisan.gov.in
• – Click on “Download KCC Form”
• – Fill it out and submit it at your nearest bank

Option 2: At Your Bank

1. Visit your local bank branch (like SBI, HDFC, PNB, Axis, etc.)
2. – Request the KCC application
3. – Submit it along with the necessary documents

Tip: Did you know many banks now offer e-KCC applications using Aadhaar OTP? Be sure to check your bank’s app or website for more details!

---

🏦 Best Banks Offering KCC Loans in 2025

Bank Name	Apply Online
SBI	sbi.co.in
PNB	pnbindia.in
Bank of Baroda	bankofbaroda.in
HDFC Bank	hdfcbank.com
ICICI Bank	icicibank.com

---

Key Benefits of the Kisan Credit Card

• Enjoy low interest rates with government support (starting at just 4%)
• No collateral needed for loans up to ₹1.6 lakh
• Flexible repayment options available (choose between 1 year or seasonal plans)
• Supports agriculture and related activities like dairy, fisheries, and poultry
• Easily access your funds through ATM, PoS, or a cheque book
• The KCC comes with a handy RuPay Debit Card

---

❓FAQs: Kisan Credit Card Loan

1. Can I use the KCC loan for non-farm expenses?

No, it’s specifically designed for agricultural and related activities.

2. Do I need to be a landowner to get a KCC loan?

Not at all! Tenant farmers and leaseholders can also qualify, as long as they have the right documentation.

3. Is the KCC linked to PM-Kisan?

Absolutely! Many farmers enrolled in PM-Kisan are already pre-approved for KCC loans.