What you get

• Short-term farm loans up to ₹3 lakh at 7% interest a year.
• Repay on time and you get up to 3% back, so the effective interest rate is 4%.
• Loans up to ₹2 lakh without collateral (in force from 1 January 2025).
• For loans only for animal husbandry or fisheries, the interest benefit applies up to ₹2 lakh.
• A RuPay card with one-time paperwork; you can withdraw any number of times within your limit.
• Credit for seeds, fertilisers, pesticides and other crop costs, and for allied activities such as dairy and fisheries.
• Revolving credit valid for up to 5 years.
• Marginal farmers can get a flexible limit of ₹10,000 to ₹50,000.

Who can apply

• Individual farmers and joint borrowers who own and cultivate land.
• Tenant farmers, oral lessees and sharecroppers.
• Self Help Groups (SHGs) and Joint Liability Groups (JLGs) of farmers, including groups of tenant farmers and sharecroppers.
• Farmers in animal husbandry, dairy and fisheries (for working capital).

Documents usually needed

• Copy of land records.
• Details of the crops you grow or have sown.

How to apply

1. Get the one-page KCC application form from any Scheduled Commercial Bank's website, the Department of Agriculture and Farmers Welfare website, or the PM-KISAN portal (pmkisan.gov.in, "Download KCC Form").
2. If you get PM-KISAN, your basic details are taken from the bank's PM-KISAN records.
3. Fill in your land record and crop details and submit the form at your bank branch.
4. A Common Service Centre (CSC) can help fill the form and send it to the bank online.