Kisan Credit Card is a lending tool that offers short-term credits to farmers across India. The online application process is pertinent to individuals or a group of owner-cultivators, women cultivators, sharecroppers, self-help groups and joint-liability group farmers, fish farmers, marine fishers, poultry, and dairy farmers.
How to apply for a Kisan Credit Card?
Several financial institutions allow applying for KCC online. The entire process is user-friendly and straightforward. Here is how you can complete the KCC loan online application process:
- Visit the official website of the financial institution from which you want to avail the credit card
- Select Kisan Credit Card from the list of available credit cards and click on ‘Apply’ to proceed with the application form
- It will redirect you to the online application page, where you will have to fill in your personal details, including the address and contact information
- Once the duly filled application form is submitted, you will receive an application reference number. It will be used for any future queries and references
After all the details are verified, it usually takes about 3 to 4 working days to process your request. Following this, the financial institution will inform you once your application form goes through the verification process. You must submit all necessary documents like identity proof (Aadhaar card, PAN card, voter ID), address proof, property document, recent passport size photograph. You may also be required to submit any other special documents (such as security PDC) that a particular financial institution may request.
Kisan Credit Card limit
Kisan Credit Card has a flexible limit of Rs. 10,000 to Rs. 50,000 for marginal farmers. All other farmers will have their credit limits determined based on the proposed cropping pattern and scale of finances. This limit can increase at a rate of 10% for every successive year up to the 5th year. Farmers can also get accident insurance of a maximum of Rs. 50,000 with KCC.
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