Our Kisan Credit Card (KCC) scheme offers a single-window credit facility to farmers. It helps meet cultivation needs such as seeds and fertilizers as well as post-harvest expenses, ensuring uninterrupted agricultural activities.
Key Features & Benefits:
- Flexible Credit Limit: Revolving cash credit facility covering short-term crop loans and long-term investment needs.
- Subsidized Interest Rates: Concessional interest rate of 7% p.a. for loans up to ₹3 Lakh.
- Prompt Repayment Incentive: Additional 3% interest subvention from GOI and 4% interest subvention from GOG on timely repayment.
Eligibility:
- All farmers — individuals or joint borrowers who are owner-cultivators.
What Can KCC Funds Be Used For?
- Cultivation Expenses: Seeds, fertilizers, pesticides, labor costs.
- Post-Harvest Needs: Immediate expenses after harvesting.
For KCC loan, please contact your nearest bank branch or visit your village PACS society.
Other Farmer-Related Loans Offered by the Bank:
- Drip Irrigation Loan
- Thresher Loan
- Tractor Loan
- Rural Godown Loan
- KCC – Animal Husbandry
