Brainiac

Central government schemes | Central government scheme

Kisan Credit Card (KCC)

Low-interest crop loans for farmers, fishers and dairy farmers

The Kisan Credit Card gives farmers quick access to credit for seeds, fertiliser and other crop needs, and the facility has been extended to animal husbandry and fisheries. Under the Modified Interest Subvention Scheme, short-term loans up to Rs 3 lakh carry an effective rate of about 4 percent a year for farmers who repay on time, and the 2025-26 Budget raised the loan limit covered to Rs 5 lakh. Farmers, tenant farmers, sharecroppers and self-help groups of farmers can apply. Apply at any commercial, cooperative or regional rural bank with land records, Aadhaar and a photo. Confirm current rates with the bank.

Rules, amounts and dates can change. Confirm the details on the official portal or at your taluk office before you apply.

Key facts (useful for exams)

DepartmentCentral government schemes
Started1998
GroupFarmers, dairy and fishers

Check official sources

Eligibility, amounts and how to apply change often. Confirm on the official portals or at your taluk office.

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