KCC Kisan Credit Card Apply 2026 — Kisanon Ke Liye Complete Guide
Kisan Credit Card (KCC) se kisanon ko 3 Lakh tak ka revolving credit milta hai sirf 4% interest par. Janiye eligibility, documents aur apply process.
Kisan Credit Card (KCC) Kya Hai?
Kisan Credit Card government ki ek scheme hai jisme kisanon ko ₹3 Lakh tak ka short-term credit milta hai sirf 4% effective interest rate par (2% interest subvention + 3% prompt repayment incentive).
Interest Rate
| Component | Rate |
|---|---|
| Bank Interest Rate | 9% p.a. |
| Government Subvention | -2% |
| Prompt Repayment Benefit | -3% |
| Effective Rate | 4% p.a. |
Loan Limit
- Short-term credit: ₹3 Lakh tak (4% rate)
- ₹3 Lakh se zyada: normal bank rate lagegi
- Allied activities (dairy, fisheries): alag limit
Eligibility
- ✅ Kisan/farmer hona chahiye
- ✅ Zameen ka ownership ya lease
- ✅ Allied activities (poultry, dairy, fisheries) wale bhi
PM Kisan + KCC Connection
Agar aap PM Kisan Samman Nidhi ke beneficiary hain toh KCC application aur bhi asaan hai — Kisan Credit Card Saturation Campaign ke under direct camp lagaye jaate hain.
