PM Kisan Credit Card KCC Apply Online | Who is Eligible for KCC

How to Apply for PM Kisan Credit Card Online, Offline | Eligibility for KCC | Benefits of Kisan Credit Card | Documents Required

The PM Kisan Samman Nidhi Yojana is a government initiative launched in India to provide financial support to small and marginal farmers. Under this scheme, eligible farmers receive direct income support of ₹6,000 per year, paid in three equal installments of ₹2,000 each. Click here to apply for PM Kisan New Farmers Registration. To qualify for the scheme, farmers must own cultivable land and detailed records of land ownership. Click here to know more about who is eligible and not eligible for PM Kisan Samman Nidhi.

The Kisan Credit Card (KCC) is a scheme designed to provide farmers with access to affordable credit for agricultural needs such as purchasing seeds, fertilizers, equipment, and covering other short-term expenses. The scheme, introduced by NABARD in 1998, is now linked to the PM Kisan Yojana, allowing eligible farmers to secure loans at interest rates as low as 2-4%, with a maximum limit of ₹3 lakh. Farmers are eligible for KCC if they are landowners, tenant farmers, or members of Self-Help Groups (SHGs). The credit provided through KCC can also be used for allied agricultural activities like fisheries and animal husbandry​.

How to Apply for PM Kisan Credit Card Online

• Visit the website of your bank, like SBI, or use the YONO SBI app for State Bank of India users.
• Through SBI: If you are an SBI customer, you can apply online via the YONO SBI app. After logging in, select the "YONO Krishi" option, and go to the "KCC Review" section to submit your application.
• Through Bank Websites: Other banks, such as HDFC and PNB, also offer online KCC applications via their websites.
• Select the KCC option, fill out the required details, and submit the form. You will receive an application reference number, and the bank will contact you within 3-4 days if you are eligible.

How to Apply for PM Kisan Credit Card Offline

• Visit your nearest bank branch, such as SBI, HDFC, or Punjab National Bank (PNB), or a Common Service Center (CSC).
• Request a KCC application form, fill it out with necessary details like your Aadhaar, proof of land ownership, and cropping patterns.
• Submit the form along with passport-size photographs and supporting documents.
• After verification, the bank will process the application and issue the KCC if eligible.

Documents Required for PM Kisan Credit Card

• Identity proof (Aadhaar, voter ID)
• Proof of address (Aadhaar, driving license)
• Land records certified by local authorities
• Recent passport-size photographs
• Cropping pattern details
• Additional security documents for loans exceeding ₹1.6 lakh

Who is Eligible for PM Kisan Credit Card

• Farmers: All farmers (individual or joint borrowers) who own or cultivate land.
• Tenant Farmers and Sharecroppers: Individuals leasing or working on someone else's land.
• Self-Help Groups (SHGs) or Joint Liability Groups (JLGs): Engaged in farming activities.
• Dairy Farmers and Fishermen: For allied activities like dairy, fisheries, and animal husbandry.
• Orchard Farmers: Engaged in horticulture or growing plantation crops.
• Small and Marginal Farmers (SMFs): Special schemes for small landholders or marginal farmers.

Benefits of PM Kisan Credit Card

• Low Interest Rates: Farmers can avail loans at interest rates as low as 2% to 4%, compared to traditional bank loans.
• Loan Limit: Farmers can get a loan up to ₹3 lakh, with no collateral required for loans up to ₹1.6 lakh. Higher amounts may require security, such as land.
• Flexibility: The loan repayment schedule is aligned with the cropping cycle, allowing farmers to repay after harvest.
• Additional Support: The government offers subsidies and incentives like a 3% rebate for timely repayment.

Frequently asked questions about PM Kisan Credit Card KCC

What is the PM Kisan Credit Card (KCC)?

• The PM Kisan Credit Card is a financial tool provided to PM-KISAN beneficiaries, offering them a credit facility to access loans from banks at lower interest rates for agricultural activities and expenses.

Who is eligible to apply for the PM Kisan Credit Card?

• Eligible applicants are PM-KISAN scheme beneficiaries who have received at least one installment under the scheme and meet the criteria set by their respective banks for credit card issuance.

Can the PM Kisan Credit Card be used for non-agricultural expenses?

• No, the PM Kisan Credit Card is specifically designed for agricultural expenses. Using it for non-agricultural purposes may not be permitted and could lead to penalties or account suspension.

How is the credit limit determined for a PM Kisan Credit Card?

• The credit limit is determined based on factors such as your landholding, the type of crops you grow, your repayment history, and your eligibility under the PM-KISAN scheme.

What should I do if my PM Kisan Credit Card application is rejected?

• If your application is rejected, review the reasons provided by the bank and address any issues. You can reapply after correcting the deficiencies or seek assistance from the bank’s customer service.

How can I check the status of my PM Kisan Credit Card application?

• Check the status by contacting the bank branch where you applied, or use any online tracking facility provided by the bank. Ensure you have your application reference number handy.

Are there any fees associated with the PM Kisan Credit Card?

• Generally, there are no fees for the PM Kisan Credit Card itself, but there may be charges related to processing, maintenance, or late payments. Review the terms and conditions provided by your bank for details.