Kisan Credit Card (KCC) Scheme

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To finance farmers’ cultivation and input needs in a flexible, cost-effective manner.

• All farmers with minimum irrigated land holding of 1 acre.
• Valuation of mortgaged land must be at least 200% (double) of the loan/limit value.

To meet short-term credit requirements for farming, including:

• Purchase of inputs (seeds, fertilizers, pesticides)
• Ancillary needs (machinery maintenance, electricity charges, etc.)

1️⃣ Nature: Revolving Cash Credit

• Allows multiple drawals & repayments within the limit.
• Provides flexibility, reduces interest burden.
   

2️⃣ Limit Based On:

• Entire annual production credit requirements.
• Ancillary activities related to crop production.
• Allied activities & non-farm needs as applicable.
   

3️⃣ Calculation:

• Based on operational land holding (leased-in land included; leased-out land excluded).
• Cropping pattern & scales of finance (as per DLTC/SLTC recommendations).
• Latest revenue records (Fard Zamabandi, Fard Khasra, Girdawari, Fard Haqiqat) verified.
• Limit may be fixed as:
  • 50% of Gross Income
  • 75% of Expenses
  • or as per scales of finance.
     

4️⃣ Sub-Limits:
Bank may fix seasonality-based sub-limits within the overall sanctioned limit.

✅ Valid for 3 years, subject to annual review:

• Review may result in: 
  • Continuation
  • Enhancement
  • Cancellation/withdrawal based on borrower performance.

✅ Limits may be enhanced for good performers to adjust for increased input costs or cropping pattern changes.

1️⃣ Primary Security: Hypothecation of crops/movable assets.

2️⃣ Collateral:

• Registered mortgage of agricultural land:
  • Valued at minimum 200% of the loan/limit.
  • Valuation based on Fard Haqiqat / rates prescribed by Govt/approved valuer if required.
  • Fresh Fard/Mutation Certificate to be obtained.
  • Mutation in favour of the Bank must be confirmed personally by Branch Officials before disbursement.

       ✅ Loan Proposal/Documents:

1. Loan application
2. Loan appraisal/assessment
3. Personal information form
4. Confidential reports on borrower/guarantor
5. Latest revenue records:
    
   • Fard Zamabandi
   • Khasra Girdawari
   • Fard Haqiqat
      

1. Non-Encumbrance Certificate (last 13 years) from Sub-Registrar/Advocate
2. Lease Agreement (Patta Nama) or affidavit from lessee, witnessed by Numberdar/Sarpanch, attested by Magistrate/Notary
3. Demand Promissory Note
4. Agreement of Hypothecation of Crops & Movable Assets
5. Registered Mortgage of Land
6. Mutation of mortgaged land in bank’s favour from Patwari
7. Guarantee Deed (if applicable)
8. Other undertakin as prescribed by the Bank from time to time

Borrower Benefits

✅ Flexible drawals & repayments
✅ Lower interest burden due to flexibility
✅ Limit enhancement for good performers
✅ Covers all cultivation, input, and ancillary needs
✅ Simplified security norms under clear policy