🌾 Maheshpur S.K.U.S. Ltd.
Photo: Ksd5 · CC0 · Wikimedia CommonsKisan Credit Card (KCC)
Sanctioned once, usable for five years — KCC is the simplest and cheapest credit for farmers.
✔ 5-year validity✔ 7%, ~4% on prompt repayment✔ Collateral-free up to ₹2 lakh✔ Crop insurance
Who is eligible
- Owner cultivators
- Sharecroppers, tenant and lease farmers (with papers)
- Joint liability groups and SHGs
- Fish farmers and livestock keepers
How the limit is fixed
Limit = district Scale of Finance per acre × your cultivated area, plus household and maintenance components. It increases a little each year.
Benefits
- Draw as needed, interest only on what you use
- Buy inputs from the society
- Link to PMFBY / Bangla Shasya Bima
- Repay after each season and redraw
📂 Documents required
- Aadhaar and PAN/Form 60
- Voter ID
- Land record (porcha/khatian) or barga/lease papers
- 2 photos
- Crop and area details
- Society savings passbook
- No-dues declaration
🧭 How to apply
- 1
Collect the KCC form
- 2
Submit land and crop papers
- 3
Verification and limit fixing
- 4
Sanction, agreement and credit to account
❓ Frequently asked questions
Land not in my name?
You can apply with barga, lease or family consent papers — talk to the office.
How to renew KCC?
Repay dues each year and submit new crop details to renew.
ℹ️ Subvention and collateral-free limits may change per government guidelines — confirm at the office.
Need more information or help?
Mon – Sat: 10 AM – 4 PM