Agricultural Cash Credit/Kisan Credit Card (KCC)

Purpose

Cultivation of short-term crops (Short Term Seasonal Agricultural Operations) and meeting contingency expenses subject to 20% of the peak credit limit.

Target Group

All farmers, individuals (singly or jointly), tenant farmers, oral lessees, share croppers, SHGs and Joint Liability Groups

Age

Minimum 21 years ; Maximum: 65 years

Loan Amount

Credit limit is based on operational land holding, cropping pattern and scale of finance.

Margin

For loan up to Rs. 1,00,000/- No margin
For loan above Rs. 1,00,000/ Margin - 15% to 25%

Interest Rate 

As per Bank's guidelines

Useful Links

RBI NABARD IBA BCSBI NPCI Rupay