How to Apply for Kisan Credit Card Online in India

Kisan Credit Card Online Application – Step-by-Step Guide India

Overview of Kisan Credit Card (KCC)

The Kisan Credit Card (KCC) scheme is an initiative by the Government of India to provide farmers with timely access to credit for their agricultural needs. It aims to support farmers in purchasing seeds, fertilizers, and other inputs, as well as meeting their short-term credit requirements.

Several banks, including SBI, Axis Bank, and others, offer the KCC facility with attractive interest rates and flexible repayment options.

Eligibility Criteria for KCC

  • Individual farmers who are owner-cultivators.
  • Tenant farmers, sharecroppers, and oral lessees.
  • Self-help groups (SHGs) or joint liability groups (JLGs) of farmers.
  • Fishermen and dairy farmers involved in allied activities.

How to Apply for Kisan Credit Card Online: Step-by-Step Guide

  1. Visit the official website of the bank offering the KCC facility (e.g., SBI, Axis Bank).
  2. Navigate to the 'Kisan Credit Card' section under the loans or agricultural services.
  3. Click on the 'Apply Now' button to access the online application form.
  4. Fill in the required details, including personal information, landholding details, and crop information.
  5. Upload the necessary documents as specified by the bank.
  6. Submit the application form. You will receive an application reference number for future correspondence.
  7. The bank will process your application and contact you within a few working days for further verification.

Note: Some banks also offer the facility to apply through their mobile banking apps, such as SBI's YONO app.

Documents Required for KCC Application

  • Duly filled and signed application form.
  • Proof of identity (Aadhaar card, PAN card, Voter ID, etc.).
  • Proof of address (Aadhaar card, utility bills, etc.).
  • Proof of landholding or lease agreement.
  • Passport-size photographs.
  • Any other documents as specified by the bank.

Frequently Asked Questions (FAQ)

Q1: What is the interest rate for Kisan Credit Card?

Interest rates vary between banks but generally start from 7% per annum. Subsidies may reduce the effective rate.

Q2: Is it mandatory to have land for KCC?

No, tenant farmers and sharecroppers are also eligible. Land documents or lease agreements are required.

Q3: Can I apply for KCC offline?

Yes, farmers can also visit their nearest bank branch to apply for KCC offline by filling out a physical application form.

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