Kisan Credit Card (KCC)
Banks with Government Interest Subvention Agriculture GOVERNMENT SUPPORT ACTIVE

Kisan Credit Card (KCC)

(Banks with Government Interest Subvention)
Primary Benefit

Short-term credit up to Rs.5 Lakh at 7% (4% with prompt repayment)

<p>Crop production, equipment purchase, animal husbandry, poultry, fisheries.</p>

Dynamic Subsidy Scaling Matrices

Under the official guidelines of this scheme, final margin money subsidies scale dynamically based on your gender, region of business setup, and social categories. Below is the detailed rate catalog:

Gender-Based Subsidy
Men 3%
Women 3%
Regional Demographics
Rural 3%
Urban 3%
Hill Areas 3%
Caste / Social Groups
SC Group 3%
ST Group 3%
OBC Group 3%
General 3%

Benefits Details

  • Credit up to Rs.5 lakh at 7% per annum
  • Effective rate 4% for prompt repayment (interest subvention)
  • Covers crop production, post-harvest expenses
  • Allied activities: animal husbandry, poultry, fisheries
  • Flexible withdrawal and repayment

Who can apply?

Any individual meeting the following guidelines is eligible for applying under this scheme:

Target Beneficiary Eligibility Criteria
Age Limit Min Age: 18 years old. Max Age: 75 years old.
Target Gender Suitable for Any category of applicants.
Men: 3% Women: 3%
Category Required Farmers, tenant farmers, sharecroppers, SHGs, JLGs
SC: 3% ST: 3% OBC: 3% General: 3%
Location Cover Any Areas.
Rural: 3% Urban: 3% Hill Areas: 3%
State Cover Applicable across all states of India.

Application Workflow Process

  • Visit nearest bank branch (SBI, PNB, cooperative bank)
  • Fill KCC application form
  • Submit land and identity documents
  • Bank verifies and sanctions credit limit
  • KCC card issued with revolving credit facility
1
Online Submission

Submit your promoter profile and bank-ready DPR details on the official nodal portal.

2
Nodal Review

Department agency verifies your details and forwards recommendation to local banks.

3
Bank Sanction

Bank evaluates credit feasibility and sanctions the term loan and working capital.

4
Subsidy Release

Nodal agency releases capital margin money subsidy to a TDR block accounts.

Required Documents Checklist

Keep the following digital copies ready before filling out the online application form:

  • Aadhaar Card
  • PAN Card
  • Land records / patta
  • Passport size photos
  • Bank passbook / account details

Frequently Asked Questions

No. Government support programs are strictly intended for setting up **new** micro enterprises and commercial expansions. Existing units availing of other programs are not eligible.

The program offers margin capital subsidy. However, bank credit interest schedules will be charged at standard commercial base lending rates unless supplemented by state interest refund policies.

The Entrepreneurship Development Programme (EDP) training course is mandatory for all subsidy releases and takes around 5 to 10 days depending on the project investment scale.
Quick Info
Ministry Banks with Government Interest Subvention
Category Agriculture
Max Subsidy 3%
Max Amount ₹500,000
Status Active
Need Help?

Contact your local District Industries Centre (DIC) or Sri Yojana support desk for guidance and project filing support.

Request Guidance
Tags
kisan-credit-card-kcc subsidy micro-enterprise