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What is Kisan Credit Card Yojana and its features and benefits?

Kisan Credit Card Yojana is a scheme that offers short-term, revolving credit to farmers across India. It was launched in August 1998 with an aim to mitigate any financial shortcoming experienced by farmers during crop cultivation, harvesting, and maintenance of their produce.

There are several Kisan Credit Card benefits and features. Here are some of them:

  • Farmers receive an ATM cum credit card that can be used to withdraw cash from ATMs.

  • KCC comes with a 12 month’s repayment period, which offers adequate time to pay off the debt.

  • The limit is decided based on the crops cultivated, scale of finance and maintenance expanse. For marginal farmers, a flexible limit of Rs. 10,000 to Rs. 50,000 is provided.

  • The maximum limit of a Kisan Credit Card can increase every year after an annual review. Farmers with a good repayment history will get incentivised with a higher credit limit to tackle the increased cost.

  • It allows for conversion or rescheduling of repayment in case crops get damaged because of any natural calamity. Its repayment policy also allows clearing off the debt only after harvest.

  • A simplified application and documentation process eliminates any hassle and helps save time.

  • Its interest rate is similar to that of other advances from agriculture sector. Also, the credit facility is valid for 3 years without any need for seasonal appraisal.

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Another significant Kisan Credit Card feature is its accident insurance. KCC holders are covered against financial losses of up to Rs. 50,000 against death, permanent total disability, and loss of limbs or eyes. They only have to pay a premium of Rs. 15 for single year policy and Rs. 45 for 3 year policy.

Kisan Credit Card is available for both individual and communal farmers, as well as fish farmers, marine fishermen, poultry or small ruminant owners, dairy farmers, and women groups. Its wide acceptability and borrower-friendly terms makes it a viable option for everyone.

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