Quick Answer: Kisan Credit Card (KCC) 2026 gives farmers a revolving credit of up to ₹3 lakh at an effective interest rate of 4%. All PM Kisan beneficiaries are automatically eligible. Apply online at pmkisan.gov.in or any bank branch with your land records and Aadhaar to secure your crop cycle funding.
What You'll Learn
How the 4% interest rate works with government subventions and prompt repayment.
Updated 2026 eligibility for tenant farmers, sharecroppers, and allied fisheries sectors.
Step-by-step guide to linking KCC with your PM-KISAN registration for faster approval.
Insurance benefits under PMFBY and accidental death cover of ₹2 lakh for all holders.
The Kisan Credit Card (KCC) scheme provides farmers with a flexible, revolving credit facility for their agricultural needs including crop cultivation, post-harvest expenses, maintenance of farm assets, and allied activities like animal husbandry and fisheries. In 2026, the scheme offers loans up to ₹3 lakh at an effective interest rate of just 4% after government interest subvention. The 4% rate is achieved through a 2% prompt repayment incentive and additional subvention from the government. All PM-KISAN beneficiaries are automatically pre-qualified. The card is valid for 5 years with annual renewal of credit limit. KCC holders also get automatic accident insurance cover of ₹2 lakh. For allied sectors, fisheries farmers can get KCC under PMMSY with a separate enhanced limit. Tenant farmers, sharecroppers, and oral lessees are now eligible with simplified land document requirements.
Last Updated: May 31, 2026 | Source: Ministry of Agriculture (Official Website)
Frequently Asked Questions
KCC offers short-term crop loans up to ₹3 lakh at an effective interest rate of 4% per annum after government interest subvention. The base rate is 7% per annum. Farmers get a 2% prompt repayment incentive (if repaid on time) plus a 1% interest subvention from the government, bringing the effective rate down to 4%.
Visit the JanSamarth portal at jansamarth.in or your bank's website. Select Kisan Credit Card, enter your Aadhaar number, fill personal details, upload land records, and submit. Alternatively, apply at your nearest bank branch with Aadhaar, land documents, and passport photos. PM-KISAN beneficiaries are automatically pre-qualified.
The Kisan Credit Card provides a revolving credit limit of up to ₹3 lakh for short-term crop loans. For allied activities like animal husbandry, fisheries, and dairy, separate enhanced limits are available. Fisheries farmers can get KCC under PMMSY with a higher limit. The card is valid for 5 years with annual renewal.
All farmers including tenant farmers, sharecroppers, and oral lessees with cultivable land are eligible. PM-KISAN beneficiaries are automatically qualified. Farmers engaged in animal husbandry, dairying, and fisheries are also eligible. The applicant should have a valid Aadhaar and a bank account.
Required documents: Aadhaar Card, land record documents (Khatauni or 7/12 extract), proof of land cultivation, passport size photographs, bank account statement, and existing loan details (if any). Tenant farmers can apply with a land lease agreement or certification from the local agriculture officer.
Yes, KCC holders automatically get accidental death insurance cover of ₹2 lakh. The card also enables coverage under PM Fasal Bima Yojana (PMFBY) for crop insurance. The Personal Accident Insurance Scheme (PAIS) provides coverage for death or permanent disability at minimal premium.
KCC crop loans have a repayment period of up to 12 months from the date of withdrawal (for crop cycle). For term loans for allied activities, repayment can extend up to 5-7 years. The credit limit is revolving, meaning after repayment, farmers can withdraw again without reapplying.
Tenant farmers, sharecroppers, and oral lessees without formal land documents can still get KCC. They need a certificate from the local agriculture officer or a valid lease agreement. The government has simplified eligibility rules in 2026 to include landless cultivators engaged in animal husbandry and fisheries.
Visit the bank's website where you applied, log in with your application reference number, and check the status. You can also visit the JanSamarth portal at jansamarth.in and track using your application ID. Alternatively, visit your bank branch directly for status updates.
PM-KISAN provides ₹2,000 per quarter (₹6,000/year) as income support to eligible farmers without repayment. KCC is a revolving credit facility (loan) of up to ₹3 lakh at 4% interest that must be repaid. Both schemes complement each other - all PM-KISAN beneficiaries are pre-qualified for KCC.
Sk Jabedul Haque
Founder & Chief Editor
Building India's most trusted finance education platform — simplifying news, calculators, and market trends so anyone can understand and invest confidently.
