Kisan Credit Card 2026: Rs 5 Lakh Limit, 4% Interest, How to Apply
📌Quick Facts & Summary
Key Benefit
Short-term crop loan at 7% interest under MISS on eligible amounts.
Who Can Apply
Owner farmers, tenant farmers, oral lessees, sharecroppers, SHGs / JLGs of farmers, fishers and animal husbandry farmers.
Status / Deadline
Changed: KCC loan limit under MISS raised to Rs 5 lakh (Budget 2025-26). Interest subvention benefit in the RBI notice applies on the first Rs 3 lakh; verify the 2026-27 MISS notification with your bank.
Official Portal
Helpline
Your bank branch; PM-KISAN helpline 155261 for KCC form queries
Last Verified
15 October 2026
🔗 Important Action Links (Official Portals):
🌐 Official Portal ↗📝 Apply Online ↗🔎 Check Status ↗
📞 Helpline: Your bank branch; PM-KISAN helpline 155261 for KCC form queries
What is the Scheme?
A revolving crop loan account for farmers, fishers and animal-rearing farmers. You draw money when you need it for seeds, fertiliser, feed and other costs.
Also known as: KCC loan, kisan card
Who is it for?
Owner farmers, tenant farmers, oral lessees, sharecroppers, SHGs / JLGs of farmers, fishers and animal husbandry farmers.
Benefits and Financial Assistance
| # | Key Benefit / Entitlement Details | Category / Mode |
|---|---|---|
| 1 | Short-term crop loan at 7% interest under MISS on eligible amounts. | Primary Benefit (DBT/Subsidy) |
| 2 | 3% extra off (Prompt Repayment Incentive) if you repay on time, so the effective rate is 4%. | Direct Support |
| 3 | No collateral needed up to Rs 2 lakh (RBI rule). | Direct Support |
| 4 | Free RuPay debit card with the account. | Direct Support |
| 5 | Loan limit under MISS raised to Rs 5 lakh from Budget 2025-26. | Direct Support |
Eligibility Criteria
Applicants must meet the following eligibility conditions:
- Age and land or activity proof as asked by the bank.
- Farmer, fisher or animal-rearing farmer engaged in the activity.
- PM-KISAN beneficiaries can use the simple one-page KCC form.
Documents Needed
Keep the following documents ready before submitting your application:
- ✓ Filled KCC application form
- ✓ Aadhaar and PAN (if available)
- ✓ Land records or tenancy proof
- ✓ Crop / activity details
- ✓ Passport photo
How to Apply Online (Step-by-Step)
- Many banks let you apply on their website or app (look for 'Kisan Credit Card').
- PM-KISAN farmers can download the one-page KCC form from pmkisan.gov.in and submit it to the bank.
- The bank checks land records and sanctions the limit.
How to Apply Offline
- Visit any commercial bank, cooperative bank or regional rural bank branch.
- Fill the KCC form and attach documents.
- Banks are told to process complete applications within 14 days (as per RBI/DFS instructions; ask your branch).
How to Check Application / Payment Status
- Ask your bank branch or check your bank's app/net banking for the application.
- Keep the acknowledgement slip given by the bank.
Official Website and Helpline Numbers
| Official Portal | https://pmkisan.gov.in (KCC form) / your bank ↗ |
|---|---|
| Helpline / Contact | Your bank branch; PM-KISAN helpline 155261 for KCC form queries |
| Nodal Ministry | Ministry of Agriculture and Farmers Welfare / Department of Financial Services, Ministry of Finance (with RBI and NABARD) |
Important Dates & Milestones
Interest subvention is notified each year by RBI. Checked 15 Oct 2026.
Frequently Asked Questions (FAQs)
❓ What is the KCC interest rate?
7% on eligible amounts, and effectively 4% if you repay on time.
❓ Do I need to mortgage land for KCC?
Not up to Rs 2 lakh. Above that, the bank can ask for security.
❓ Can dairy or fish farmers get KCC?
Yes. KCC covers animal husbandry and fisheries too.
❓ Is the limit really Rs 5 lakh now?
Yes, the MISS loan limit was raised to Rs 5 lakh. Check with your bank how much of it gets the 4% rate.
Sources & Official References
All facts on this page were verified on 15 October 2026 from the following official government sources:
- RBI Master Direction on KCC: https://www.rbi.org.in/Scripts/BS_ViewMasDirections.aspx?id=13522 [blocked our server check (HTTP 416), likely IP/geo filtering; link taken from official search results, open it from India to confirm] ↗
- RBI notification on MISS 2025-26: https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13270&Mode=0 [resolves (HTTP 206)] ↗
- PIB: KCC limit raised to Rs 5 lakh: https://www.pib.gov.in/PressReleasePage.aspx?PRID=2099696&lang=1®=1 [resolves (HTTP 200)] ↗
- myScheme KCC page: https://www.myscheme.gov.in/schemes/kcc [resolves (HTTP 200)] ↗
Fact-Check Verification: This scheme entry was reviewed and fact-checked by Abhishek (govtschemes.net) using official PIB releases, ministry guidelines, and gazette records.
If you notice any outdated rule or change, please report a correction.
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Other central government schemes in the same sector and target audience:
Notice: govtschemes.net is not a government website. We are an independent information site. Always confirm eligibility and apply only on official government portals.