Benefit Amount
Credit up to ₹3 lakh at 4% interestLoan
✓ Government Verified✓ Direct Bank Transfer
ℹAbout Kisan Credit Card
The Kisan Credit Card scheme helps farmers get quick and affordable credit for all their agricultural needs - from buying seeds and fertilizers to harvesting crops and maintaining farm equipment. Eligible farmers can borrow up to ₹3 lakh at just 4% interest rate, making it one of the most affordable credit options available. You can apply online through NABARD's website with basic documents like your Aadhaar Card, land records, and bank account details. Farmers of all categories aged 18-75 can benefit from this scheme regardless of their income level.
Ministry
Ministry of Agriculture
✓Who Is Eligible?
The Kisan Credit Card scheme is open to all Indian farmers regardless of their social category. You must be between 18 and 75 years old to apply for this scheme. There is no income limit restriction, meaning farmers of all income levels can benefit from this program. The scheme welcomes farmers from all categories including General, OBC, SC, and ST communities. You must have valid land records that prove you own agricultural land or have legal rights to cultivate it. A valid bank account is necessary as the credit will be deposited directly into your account. The scheme does not discriminate based on gender, so both male and female farmers can apply equally. Geographic location is not a restriction as this is an All India scheme available across the country. Whether you are a marginal farmer with small landholdings or a large-scale farmer, you are eligible to apply. The primary requirement is that you should be actively involved in agricultural activities. You don't need to meet any specific educational qualifications to apply for this card. Check the official NABARD website for any state-specific variations in eligibility criteria, as some states may have additional requirements.
Quick eligibility check:
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Gender: Male, Female, Other✓
Category: General, OBC, SC, ST📝How to Apply for Kisan Credit Card
Applying for the Kisan Credit Card is a simple process that you can do online. First, visit the official NABARD website at www.nabard.org and look for the Kisan Credit Card application section. Second, click on the online application form and fill in your basic personal details like your name, age, and contact information. Third, upload the required documents including your Aadhaar Card, land records that prove you own or have rights to agricultural land, and your bank account details. Fourth, carefully review all the information you have entered to make sure everything is correct and matches your documents. Fifth, submit your application form online through the portal. Sixth, keep track of your application status by using the reference number provided after submission. Finally, once your application is approved by NABARD and the bank, you will receive your Kisan Credit Card which you can use to withdraw credit up to 3 lakh rupees. The entire process is designed to be quick and farmer-friendly, so you should receive updates about your application within a few weeks. Make sure to have all your documents ready before starting the online application to complete the process smoothly.
Visit Official Portal →📄Documents Required3 required
?Frequently Asked Questions
1What is the maximum credit limit under Kisan Credit Card?
The maximum credit limit under Kisan Credit Card is ₹3 lakh. The actual limit may vary based on your landholding, crop pattern, and repayment capacity as assessed by the bank.
2What is the interest rate on Kisan Credit Card loans?
The interest rate on Kisan Credit Card is 4% per annum. This is a subsidized rate provided by the government to make credit affordable for farmers. Additional charges may apply depending on your bank.
3What documents do I need to apply for Kisan Credit Card?
You need to submit your Aadhaar Card for identity verification, land records (such as revenue documents or lease deed) to prove your agricultural land ownership or lease, and proof of an active bank account where the loan amount will be credited.
4Can landless farmers or tenant farmers apply for Kisan Credit Card?
Yes, tenant farmers and landless farmers can apply if they have valid lease agreements or cultivation rights documents. Some banks may require additional documentation to verify your cultivation rights on the land.
5How long does it take to get approval after applying for Kisan Credit Card?
Typically, the approval process takes 7-14 days after you submit all required documents. The exact timeline may vary depending on your bank's processing speed and document verification process.
📖 Read the Complete Guide
Get a detailed step-by-step walkthrough with tips, common mistakes to avoid, and expert guidance for Kisan Credit Card.
Read Full Guide →🔗Related Agriculture Schemes