Things discussed in PM Kisan Credit Card Article

PM Kisan Credit Card Scheme

Are you a farmer who takes the benefits of PM Kisan Samman Nidhi Yojana? If yes, then the government of India has launched another groundbreaking scheme for you and that is Kisan Credit Card. With the help of this credit card, you don’t have to take a loan at high-interest rates.

As we all know, farmers always struggle to get timely credit facilities for their agricultural activities. But not anymore because farmers will get all the credit needs in a single window. This scheme offers lower interest rates and flexible repayment options. farmers no longer have to worry about running from one bank to another, juggling multiple loans for their farming needs.

Under this scheme, a farmer will get a loan at only a 3% interest rate yearly with easy repayment. Farmers don’t have to take loans against heavy interest because, with the help of the Kisan Credit Card yojana, they can take loans from banks. In this article, we’re going to guide all the farmers on how they can make KCC cards online, its benefits, and much more.

PM Kisan Credit Card Apply Online

Every farmer hesitates to make a credit card because every bank wants a proper list of documents in order to make a credit card. That’s why most of the farmers don’t have credit cards. The government realized this problem and to overcome it, they have launched a scheme named Kisan Credit Card.

Now every marginal Kisan who takes 6,000 yearly benefits on the behalf of PM Kisan Yojana, can make this KCC card. On top of that, farmers can now apply for KCC online, without having to physically visit a bank or a lending institution. Read all the steps carefully, and apply all the steps on the government website.

Visit the official website of eseva which is, and click on the Apply New KCC option which can be visible at the top of the website.

pm kisan kcc online application process
KCC Online Registration Process

Now the system will ask you to enter your CSC ID. if you don’t have the CSC ID then you can also make it through an online process which is discussed in the CSC Registration Digital Seva Kendra

Enter your CSC ID and hit on the login option, and you’ll be able to access the website completely.

Apply for KCC by register through CSC
Applicant CSC Logins

After logging on to the website. Again, click on the Apply New KCC option and the system will ask you to enter the aadhaar card number. Enter the required details and click on the submit button.

Applicant aadhaar card number
Application Addhar Card for KCC

When you click on the said option, a KCC application form will appear and all the details related to the farmer will be displayed on the screen along with his/her PM Kisan Samman Nidhi ID.

Now if you want to make a new KCC then click on the issue of Fresh KCC in the section of Type of Loan otherwise, you can choose the other option to enhance the credit card limit or to reactive the card. 

After choosing the option, enter the loan amount and farmer mobile number in the section of Loan amount and beneficiary mobile no. The bank will offer you a loan on the behalf of the measurement of your land.

Enter the name of the farmer and his/her account number in the next section. Also, if you want to take benefits of the Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJNY) or Pradhan Mantri Suraksha Yojana (PMSBY) scheme then tick mark on the YES option otherwise click on the NO option.

Kisan Credit Card form
KCC Application Form

In the next section, if a farmer took a loan recently from any bank then he/she needs to enter the previous loan details. But that’s not the case, you can simply click on the No option.

Applicant existing loan details
Applicant’s existing loan details

The farmer needs to provide his/her land details in the next section along with the village name, Khasra number, etc.

Farmer's crop details
Type of Crop

Tick mark the NO option in the section of KCC to Fisheries An Animal Husbandry Farmers because you need a KCC and loan for the land not for the animals.

KCC for Fisheries
KCC for Fisheries

Type OWN LAND in the next section, and don’t forget to tick mark the Declaration option before clicking on the Submit button.

PM Yojana Awareness property
Kisan Security

Now the beneficiary needs to make a payment in order to complete the KCC online registration process. Click on the Make Payment option to pay the PM Kisan Credit Card online registration fee.

Kisan Credit Card payment process
Kisan Credit Card payment Through CSC

After making a payment, a receipt will be displayed on the screen. Attach this receipt along with all the important documents and visit any bank branch to get the card.

CSC Payment Receipt
Payment Receipt for KCC

Note: Don’t forget to attach the CSC acknowledgment receipt with all the documents while visiting your nearest bank because the bank won’t start the Kisan Credit Card application process if you don’t have the receipt.

Kisan Credit Apply Status Check

For those farmers who’ve applied online through Kisan Credit Card CSC, it’s to inform you that there’s no such method to check the Kisan Credit Card application status online because the option on the official website is not working. You can visit the bank where you’ve submitted the credit card request and ask them for an update.

Make sure to grab all the documents while visiting the bank because the bank officer will ask you for a list of documents that are listed below. You can visit the bank after a week of applying through an online process. The bank officer will inform you about the card.

How to Apply for Kisan Credit Card Offline?

If you’re a farmer who has registered through PM Kisan Samman Nidhi Yojana then you can also apply for the PM KCC for free through an offline process. All you need to do is to visit the bank branch from where you’re taking the benefits of PM Kisan. 

Make sure to grab all the documents before visiting the bank. Ask the bank officer for the Kisan Credit Card application form and fill it out correctly. After that, attach all the important documents with that KCC application form and submit that to the officer. After 2 or 3 days, you can collect the credit card from the bank.

KCC Yojana Overview

Scheme NamePM Kisan Credit Card
Launched ByGovernment of India
Card Issued ByVarious public and private sector banks in India
PurposeProvides credit to farmers for agricultural expenses
BeneficiariesFarmers who take benefits of PM Kisan Yojana
Credit limitUp to Rs. 3 lakh (may vary depending on the bank)
Interest rateVaries from bank to bank and can range from 2% to 4%
Repayment periodYearly

PM Kisan Credit Card Benefits

The government of India always aims to provide ease to farmers by launching various schemes for them. One of the most effective schemes is the Kisan Credit Card scheme. Now farmers will get financial assistance in one window. But before applying in this yojana, read all the benefits to build more interest.

  • Farmers will get a 300,000 loan at only a 3% of interest rate yearly.
  • Small and marginal farmers can also apply for this scheme.
  • The bank provides a 150,000 loan on 1 hectare of land.
  • KCC holders can access insurance coverage for their crops and livestock.
  • Your land would be secured after enlisting your land in the bank documents.
  • No Monthly installments, farmers need to repay the credit amount at the end of the year.
  • When a farmer repays the amount on the mentioned date then his credit limit will be increased by 10%.
  • If a farmer’s land would be destroyed during rain, then he can claim his land insurance with the help of PM Fasal Bima Yojana.
  • KCC holders will also get accidental insurance.

Documents Required for Kisan Credit Card

Looking for a loan with the lowest interest rates? The KCC is your answer! But wait, Before applying for this yojana, you’ve to complete a list of documents because the application process would fail without a proper list of documents. A list of documents is as follows:

  1. Khasra Number.
  2. Khatoni
  3. Aadhaar Card
  4. Share Certificate (if the land has more than 1 owner)
  5. Applicant Passport size photo.
  6. Applicant’s Financial history of the past 12 years.
  7. Affidavit

What is Kisan Credit Card Yojana

Kisan Credit Card scheme is a yojana for farmers who need cash for their lands. This scheme has been launched to provide ease to those farmers who can’t afford to invest in their land on their own because of their financial condition. To overcome this situation, the government of India has launched this yojana.

With the help of this card, farmers can take loans for their land at low-interest rates. Farmers need to repay the whole amount at the end of the year with 3% of interest on that amount. There are no monthly payments on this loan. When a farmer repays the whole amount in a given amount of time then his credit limit will be increased by 10%.

How to Check Kisan Credit Card Balance?

If you’re tired of the hassle of visiting your bank every time you need to check the balance of you Credit Card then we’ve great news for you! Now you can track the account balance and transaction history with just a few clicks by using your smartphone or computer. Here’s how you can do it.

First of all, call the customer care number of the bank where you’ve opened the account and ask them to activate the online banking on your credit card. This will take 24 to 28 hours to proceed. After that, download the official app of the bank and login into it by entering the card number.
After logging in to the bank app, you’re account balance will be visible on the screen. You can track the payment history from the start and also can send the amount from the app to your relatives and loved ones within minutes. This procedure can only be done when you’ve got the Credit Card.

How Does Kisan Credit Card Work?

The Kisan Credit Card is a credit scheme launched by the government of India to provide financial assistance to farmers. The KCC works on the principle of revolving credit, which means that farmers can borrow money as per their agricultural needs and repay it over a period of time, based on the harvest season.

Under this scheme, the bank issued a cash limit on the farmer’s credit card that can be used for crop production, post-harvest activities, consumption requirements, and other allied activities. The credit limit is determined based on the farmer’s landholding, crop pattern, and repayment capacity.

The KCC scheme also offers several benefits to farmers along with credit cards like repayment on low-interest rates, flexible repayment options, and easy-to-access credit. Additionally, farmers can also avail of insurance coverage against crop failure, natural disasters, and other unforeseen events.

Kisan Credit Card Download

A Kisan Credit card is only a physical card that will be provided by the bank where your account takes place. You can’t download the credit card because it won’t work in a virtual form. You can only make transactions with the help of the physical form of that credit card.

Also, if you’re active internet banking on the cards, then you can check the KCC account balance within a few minutes. If anyone wants to use the credit card in a virtual form then they can do it by using the 16-digit of card number where needed. Also, don’t share your Credit card with anyone else otherwise they’ll make transactions on your card.

Final Wording on Kisan Credit Card

Farmers who don’t have enough investment for crop production and are worried about it, can apply for PM Kisan Credit Card, and get a PM KCC loan at a 3% interest rate yearly. Apply now througFarmer’sh an online process by visiting the official website, or offline by visiting the bank where they’re taking benefits of PM Kisan Samman Nidhi Yojana.


Farmers who have enrolled in the PM Kisan Samman Nidhi Yojana can only be Eligible for KCC.

The credit card balance can only be checked by downloading the mobile application of the bank.

KCC was launched in the year 1998.

Yes, you can apply for the KCC yojana online, but we recommend you apply offline for fast results.

Almost all the government and private banks offer this scheme. you can visit your nearest bank branch and ask for the scheme details.

The KCC full form is Kisan Credit Card.

The purpose of this scheme is to provide financial assistance to farmers who want to produce crops but don’t have enough investment. the government provides loan at low-interest rates.

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