The Kisan Credit Card is a popular scheme which was launched in the year 1998. This scheme was curated by the National Bank for Agriculture and Rural Development (NABARD). In case you have any queries or grievances, you can reach out to the NABARD customer care center by calling (91) 022-26539895/96/99.
Kisan Credit Card (KCC) is a credit delivery scheme specially designed for farmers to provide them with timely, easy, and hassle-free access to production credit for agricultural needs. Under this scheme, the farmers are provided with collateral free loans up to Rs.1 lakh. The quantum of loan under the KCC scheme for the first year is assessed on the basis of the post-harvest expenses, cost of cultivation, and farm maintenance cost. The loan limit is revised based on the increase in the scale of finance for the subsequent five years. Under this scheme, the insurance premium is shared by the bank and the borrower in a 2:1 ratio.
The key objectives of KCC are given below:
For any issues or queries related to Kisan Credit Card, customers can contact the NABARD customer care team by the following ways:
Note: The NABARD office timing is from Monday to Friday between 9 a.m. to 5 p.m., except for the public holidays.

You can apply for the Kisan Credit Card by visiting either your nearest regional rural bank, commercial bank, or the co-operative bank. Request for KCC form from the bank official, fill in the form, and submit it along with mandatory documents.
Under the Kisan Credit Card (KCC) scheme, the rate of interest is charged at 7.00% per annum on a simple interest basis. Interest will be charged at the applicable card rate, if the loan is not repaid within the due date and overdue amounts will attract half-yearly compounding.
Yes, you can apply for the Kisan Credit Card if you do not have a credit card or loan and are employed in farming-related activities like dairy farming and fish farming.
Yes, if you have the Kisan Credit Card, then you will be covered under a personal accident insurance scheme, which provides compensation of up to Rs.50,000 in case of death or permanent disability. The scheme also offers compensation of Rs.25,000 for other eligible risks.
To apply for KCC, the officially validated documents that farmers need to provide to verify their identity proof and their address proof, include Aadhaar card, PAN card, Voter ID, Passport, driving license, etc.

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