How to apply for Kisan credit card in SBI

Farmers can get loans of up to 3 lakhs at less interest rate with the help of a Kisan credit card. If you have a bank account in SBI Bank then you should go for kcc loan.

KCC is one of the best government loan schemes for farmers and various banks are available for this scheme. There are various banks working under this scheme such as sbi, icici, axis and more banks. 

What is Kisan Credit Card Scheme

It is a central government scheme for supporting small and marginal farmers. With the help of KCC loan farmers can easily cover the cost of cultivating crops and farm maintenance. With the Kisan credit card farmers can apply for various important agricultural loan schemes in India such as sbi dairy plus agriculture loan scheme.  

Kisan Credit Card Scheme in India

However, India is known as an agricultural country but the economic condition of farmers is not very good. Farmers often need loans for their farming equipment and management etc and they use to take loans from someone in their village at a high-interest rate which initially becomes a headache for farmers to return the loan with a high-interest rate. Therefore, when they need the amount a second time for farm management costs it becomes almost impossible for them to even think about the loan.

In order to help and support small and marginal farmers, the Central Government is running a Kisan Credit Card Scheme through which farmers can get loans at a lower interest rate. In 1998 the central government started the KCC scheme for farmers so that they can get loans at a lower interest rate directly from the banks.

Types of KCC loan 

With the help of Kcc cards, farmers can apply for loans from various banks. With the help of this loan, farmers can reduce the cost of farming and improve their economic conditions. KCC is one of the best farmer loan schemes in India.

  • PM Kisan KCC crop loan. 
  • KCC agriculture loan. 
  • Agri-term loan.
  • Agribusiness loan.
  • Farm ownership loan.
  • Agribusiness loan. 
  • Horticulture loan scheme India. 
  • KCC loan per acre.
  • Dairy Plus scheme. 
  • Broiler plus scheme. 
  • Farm storage facility loan program.

Eligibility for Kisan credit card

Anyone who is engaged in agriculture-allied activities is eligible for this scheme. The minimum age for this loan is 18 years, if a borrower is a senior citizen i.e. more than 60 years old in this case a co-borrower is mandatory and more importantly, a co-borrower should be the legal heir. 

Required documents

Documents such as Aadhar card, Voter ID Card, Pan Card or Passport, Driving licence, 4 to 5 photographs passport size and documents of the farmland. 

SBI KCC loan interest rate

Farmers can easily avail the opportunity of getting a Rs 300000 loan at a lesser interest rate through a Kisan credit card. The Indian government is giving 2% relief in KCC loans and if you submit the amount in the given time you will get 3% more relief. By calculating all these farmers get a loan at only 4% of kcc interest rate which is quite decent in comparison to other loan interests.

Apply for SBI kcc loan

First of all, you need to visit the official website of SBI ( to apply online. You will find the Kisan credit card option and you have to fill in all the required details carefully. You have to fill in your name, mobile number, email id etc.

After filling in all the required details click on the submit button and your application will be sent to the concerned department. This will take nearly 3 to 4 working days to process. If you want to submit the form offline then you can download the kcc form, click here for SBI KCC loan form PDF, this form is also available in the banks.


State Bank of India, Bank of India, Axis Bank, ICICI Bank, National Payment Corporation of India (NPCI), Union Bank of India, kcc loan PNB bank etc.

Loan renewal time period

Kisan credit card renewal is necessary after 5 years.


How much amount can farmers get through KCC?

One can get a minimum of Rs 3 lakh.

What is the validity of the Kisan Credit Card?

After 5 years farmers need to renew it.

Which bank gives KCC loans in India?

SBI, PNB, ICICI, India Bank, Axis Bank etc are included in the list of banks that provides Kcc loans in India.

What are some agri loans in India?

mahindra tractor

Broiler plus loan (broiler plus sbi).
Sbi dairy plus agriculture loan scheme.
Agri loan sbi.
Sbi kisan credit card loan.

How to apply agriculture loan scheme in SBI?

Visit the branch of the State bank with the required documents.
PAN Card.
Adhar Card.
Driving license.
Registered mobile number.
Land documents.
Agreement of the subject.
5-6 passport-size photos etc.
After collecting all these documents you have to meet the person responsible for the agriculture department in the bank.

Can we get a loan against land in India or in Maharashtra?

If you live in India you can easily get loans against the land. These loans can be used to construct homes, build a commercial factory etc. One needs to check the policies of the state government when applying for a loan in the concerned city or state.

What is the minimum age for a Kcc loan?

The minimum age limit for a KCC loan is 18 years.

What are sbi loans?

drip irrigation loans, Pradhan Mantri Mudra Yojana (PMMY), Tractor loan, Cobine harvester loan, KCC for animal husbandry and fisheries.

What is the SBI KCC interest rate?

SBI KCC interest rate is 7%.

Read Relavent Content

Spread the knowledge with your family & friends

Leave a Comment