PM Kisan Credit Card | Benefits, Eligibility, Required Documents, and Online Application Status

About PM Kisan Credit Card

PM Kisan Credit Card is a scheme initiated by the Government of India. This scheme is for farmers to borrow money as loans with low interest from banks. Kisan Credit Card was introduced in the year 1998 by the banks of India.

This scheme aims to provide term loans for agriculture needs to farmers. R V Gupta Committee recommended preparing the program to National Bank for Agriculture and Rural Development (NABARD). The official website for PM Kisan Credit Card Click Here. Farmers can visit the site for any queries related to Kisan Credit Card.

PM Kisan Credit Cards are easy and straightforward to get loans for small and marginal farmers for their agriculture-related activities. From the year 2019, the PM Kisan Credit Cards are given to Fisheries and animal husbandry farmers.

PM Kisan Credit Cards are provided in two types to farmers, Cash credit and Term credit. For organized activities as pump sets, land development, plantation, drip irrigation, the Term credit is given.

The institutes giving Credit Cards to farmers are commercial banks, regional rural banks, and state co-operative banks. There is an insurance facility for Credit Cardholders of Rs 50,000 for death and permanent disability and Rs 25,000 for other risks.

The objective of PM Kisan Credit Card Yojana is to meet agricultural expenses. Poor farmers can avail of a loan to increase their farmyard also. The credit card loan’s validity is five years, and the investment of up to 3 Lakhs with 7% interest. 3% of interest is returned to the farmer if he pays the loan on the due date.

pm kcc

Benefits of PM Kisan Credit Card

  • Farmers with this Credit Card, no need to apply for a loan for every crop
  • Farmer burden on interests reduces by credit card.
  • Farmers can buy seeds, fertilizers of their choice at any time.
  • Farmers can also get dealer discounts by using PM Kisan Credit Cards.
  • With this PM Kisan, Credit Card farmers can avail loans, and no one will refuse to give loans.
  • Every bank in India will give Kisan CreditCard loans to the farmers.

Eligibility for Kisan Credit Card

  • All the farmers and tenant farmers are into agriculture or associated with any crop production eligible for PM Kisan CreditCard.
  • Farmers of single or joint borrowers are eligible.
  • The age of farmers should be between 18 years to 75 years to apply for KCC. For the above 60 years of aged farmers, co-applicant is mandatory.
  • Self Help and Joint Liability group farmers are eligible to apply.
  • Fishers and farmers involved in animal husbandry are also eligible.

Documents Required for PM Kisan Credit Cards

  • Aadhaar Card
  • Pan Card
  • Voter ID card/Passport/Driving License
  • Any other government-approved photo ID
  • Utility Bills as Address Proof
  • Photographs
  • Filled Application form
  • If the loan amount is high, farmers have to mortgage the land to banks.

AP EWS Application Form, Registration & Check Status

Application Process for Kisan Credit Card

Step 1:

Farmers can apply by visiting the preferred bank website like SBI, Axis Bank, Punjab National Bank, Indian Overseas Bank, Bank of India, HDFC Bank, etc.

Step 2:

After opening the website, search for “Apply KCC,” download the application form and take a printout.

Step 3:

Fill the form with the required details completely.

Step 4:

After filling, submit the application form to the nearest branch of the bank.

Step 5:

In the bank, the Loan Officer will review the application form and issue a reference number to the farmer.

Step 6:

Farmers have to save the reference number for future use.

Step 7:

After sanction of loan, the KCC will dispatch to the farmer.

PM Kisan Samman Nidhi

According to Budget 2020, the government took a significant step in making institutional credits more accessible to farmers. The Indian government is merging the Kisan Credit Card and with the Kisan Samman Nidhi scheme. The beneficiaries of Kisan Samman Nidhi are also eligible for Kisan credit cards, for which the farmers avail loans of 4% for their farming.

Application process through PM Kisan Website

  • Farmers apply for the Kisan Credit Card by visiting the Official Website.
  • On the home page, there is the “Download KCC form option,” click on that.
  • Application form in PDF will appear, download and take a printout of the form.
  • Fill the application form with the required details.
  • Submit the application form, which is filled to the nearest bank with all the other required documents.
  • After submitting the form and completing all the formalities bank will issue a credit card for the farmer.

Loan Application Online Form Click Here.

pm kisan credit card application form

Kisan Credit Card Links for Application from Top Banks


Due to Covid-19, the farmers can avail moratorium for six months. RBI announced that farmers could use 10% of the credit cash for their household needs.

Finance Minister Nirmala Sitharaman announced a free credit of RS 2 Lakh Crores for the benefit of 2.5 crore farmers all over India through KCC.

PM Kisan Credit Card Helpline Numbers

Toll-Free – 1800 115 526
Tolled Helpline Number – 0120-6025109/155261
Help desk Email address –

3 thoughts on “PM Kisan Credit Card | Benefits, Eligibility, Required Documents, and Online Application Status”

  1. मी २६ मे २०२० ला किसान क्रेडीट कार्ड करिता अर्ज केला होता पण आज पावेतो काहीही रीप्लय आला नाही कार्ड पण आले नाही . CSC ID 761656170015
    Application Ref No 132349601831425438

    • Applied for pm kisan credit card. File submitted in SBI br Andora tal.kallam Dist. Osmanabad(MS)
      On 23/03/2021.Ii have not received any reply or card until 29/4/2021.
      My Account NO.MH 241685397


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