{"id":172500,"date":"2025-05-29T15:17:39","date_gmt":"2025-05-29T09:47:39","guid":{"rendered":"https:\/\/www.gkseries.com\/blog\/?p=172500"},"modified":"2025-05-29T15:17:44","modified_gmt":"2025-05-29T09:47:44","slug":"the-kisan-credit-card","status":"publish","type":"post","link":"https:\/\/www.gkseries.com\/blog\/the-kisan-credit-card\/","title":{"rendered":"The Kisan Credit Card"},"content":{"rendered":"\n<p>The Kisan Credit Card (KCC) scheme is a credit scheme of Indian banks for farmers that permits farmers to access timely and adequate credit for agriculture and allied activities like crop cultivation, post-harvest expenses, and maintaining farm assets. The Kisan Credit Card scheme is to provide simplified access to credit and lessen the hassle of compliance for farmers.<\/p>\n\n\n\n<p><strong>Key features and advantages:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Timely credit: KCC gives short-term and long-term credit to farmers for a range of activities including crop cultivation, post-harvest expenses and working capital for farm assets.<\/li>\n\n\n\n<li>Streamlined procedures: KCC provides streamlined procedures for accessing credit and reduces the hassle for farmers to get access to loans.<\/li>\n\n\n\n<li>Collateral-free loans: For small amounts of loans (up to \u20b91.00 lakh or as described in writing by individual banks), banks can choose to waive security\/collateral requirements in line with RBI guidelines.<\/li>\n\n\n\n<li>Insurance coverage: KCC holders can opt to have personal accident insurance coverage to provide some financial support if an accident occurs which incapacitates or results in death.<\/li>\n\n\n\n<li>RuPay Kisan Card: Many banks will provide RuPay Kisan cards, which are essentially debit cards attached to KCC accounts. These cards allow farmers to withdraw cash and purchase products from merchant outlets.<\/li>\n\n\n\n<li>Subsidised Interests: KCC loans are made by the Department of Fisheries at subsidised interest rates, which allows farmers who pay on time to receive a notice of prompt payment as well.<\/li>\n<\/ul>\n\n\n\n<p>Eligibility:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Farmers &#8211; individual\/joint borrowers who are owner cultivators;<\/li>\n\n\n\n<li>Tenant farmers, oral lessees &amp; share croppers;<\/li>\n\n\n\n<li>Self Help Groups (SHGs) or Joint Liability Groups (JLGs) of farmers including tenant farmers, share croppers etc<\/li>\n<\/ul>\n\n\n\n<p><strong>Objective \/ Purpose<\/strong><\/p>\n\n\n\n<p>The Kisan Credit Card scheme aims at providing adequate and timely credit support from the banking system under a single window with the flexible and simplified procedures to the farmers for their cultivation and other needs as indicated below :<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>To meet the short term credit requirements for the cultivation of crops;<\/li>\n\n\n\n<li>Post-harvest expenses;<\/li>\n\n\n\n<li>Produce marketing loan;<\/li>\n\n\n\n<li>Consumption requirements of farmer household;<\/li>\n\n\n\n<li>Working capital for maintenance of farm assets and activities allied to agriculture;<\/li>\n\n\n\n<li>Investment credit requirement for agriculture and allied activities<\/li>\n<\/ol>\n","protected":false},"excerpt":{"rendered":"<p>The Kisan Credit Card (KCC) scheme is a credit scheme of Indian banks for farmers that permits farmers to access timely and adequate credit for agriculture and allied activities like crop cultivation, post-harvest expenses, and maintaining farm assets. The Kisan Credit Card scheme is to provide simplified access to credit and lessen the hassle of [&hellip;]<\/p>\n","protected":false},"author":419,"featured_media":172501,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"categories":[5369],"tags":[],"class_list":["post-172500","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-general-awareness"],"_links":{"self":[{"href":"https:\/\/www.gkseries.com\/blog\/wp-json\/wp\/v2\/posts\/172500","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.gkseries.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.gkseries.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.gkseries.com\/blog\/wp-json\/wp\/v2\/users\/419"}],"replies":[{"embeddable":true,"href":"https:\/\/www.gkseries.com\/blog\/wp-json\/wp\/v2\/comments?post=172500"}],"version-history":[{"count":1,"href":"https:\/\/www.gkseries.com\/blog\/wp-json\/wp\/v2\/posts\/172500\/revisions"}],"predecessor-version":[{"id":172502,"href":"https:\/\/www.gkseries.com\/blog\/wp-json\/wp\/v2\/posts\/172500\/revisions\/172502"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.gkseries.com\/blog\/wp-json\/wp\/v2\/media\/172501"}],"wp:attachment":[{"href":"https:\/\/www.gkseries.com\/blog\/wp-json\/wp\/v2\/media?parent=172500"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.gkseries.com\/blog\/wp-json\/wp\/v2\/categories?post=172500"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.gkseries.com\/blog\/wp-json\/wp\/v2\/tags?post=172500"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}