Kisan Credit Card Loan Overview
LoanPao’s Kisan Credit Card (KCC) loans in India 2025 provide farmers with up to ₹3 lakh at subsidized rates of 4%–7% p.a. to support agricultural and allied activities. Backed by RBI-compliant banks and NBFCs, KCC loans offer flexible repayment aligned with harvest cycles, helping farmers meet expenses for seeds, fertilizers, equipment, or livestock. Our platform simplifies access to 500+ lenders for quick approvals and disbursals.
For other agricultural financing, explore our Business Loan or MSME Loan options.
Benefits of Kisan Credit Card Loans
Low Interest Rates
Subsidized rates from 4% p.a. with government support.
Flexible Repayment
Repay based on crop cycles, up to 5 years.
Up to ₹3 Lakh
Collateral-free loans for farming needs.
Eligibility Criteria
| Criteria | Details |
|---|---|
| Applicant Type | Farmers, tenant farmers, sharecroppers |
| Age | 18–75 years |
| Land Ownership | Owned or leased agricultural land |
| Credit History | Not mandatory; CIBIL score helps for larger loans |
| Collateral | Not required up to ₹1.6 lakh |
Verify your eligibility with our CIBIL login tool for larger loan amounts.
Documents Required
- Identity Proof: Aadhaar, PAN, or voter ID
- Address Proof: Utility bill, Aadhaar, or lease agreement
- Land Documents: Ownership papers, lease agreement, or land record
- Crop Details: Type of crop and cultivation area
- Bank Statement: Last 6 months (optional for small loans)
How to Apply for a Kisan Credit Card Loan
- Complete the online application on LoanPao.
- Submit KYC, land documents, and crop details.
- Choose from offers by 500+ RBI-compliant lenders.
- Complete verification (online or bank visit).
- Receive KCC and funds within 7–15 days.
Contact us at +91-971-769-5334 for guidance.
Why Choose LoanPao for Kisan Credit Card Loans?
LoanPao partners with leading banks like SBI, HDFC, and NABARD-supported lenders to bring Kisan Credit Card loans to farmers across India. Our platform simplifies the application process, offering digital submission and real-time tracking. With government-backed subsidies under schemes like PM-KISAN, farmers can access low-cost credit for crop production, dairy, poultry, or equipment purchases.
- Access to 500+ lenders for competitive terms.
- Subsidized rates as low as 4% p.a. for timely repayments.
- Flexible tenures aligned with harvest cycles.
- Dedicated support for rural and semi-urban farmers.
Compare Kisan Credit Card Loan Providers
| Provider | Interest Rate (p.a.) | Loan Amount | Tenure | Processing Fee |
|---|---|---|---|---|
| State Bank of India | 4%–7% | Up to ₹3 lakh | 1–5 years | Nil–0.5% |
| HDFC Bank | 7%–9% | Up to ₹3 lakh | 1–5 years | 0.5–1% |
| Bank of Baroda | 6%–8% | Up to ₹3 lakh | 1–5 years | 0.25–0.75% |
Data sourced from lender websites, updated July 2025.
Uses of Kisan Credit Card Loans
KCC loans are designed to support farmers’ diverse needs, ensuring financial stability for agricultural and allied activities. Common uses include:
- Crop Production: Purchase seeds, fertilizers, and pesticides.
- Allied Activities: Fund dairy, poultry, or fisheries.
- Equipment: Buy small machinery like pumps or sprayers.
- Working Capital: Meet daily farm expenses.
- Insurance: Pay premiums for crop insurance schemes.
Tips for a Successful KCC Loan Application
- Provide accurate land ownership or lease documents.
- Specify crop details to justify loan amount.
- Opt for banks offering subvention schemes for lower rates.
- Use our EMI Calculator to plan repayments.
- Ensure timely repayments to avail interest subsidies.