The Kisan Credit Card Scheme was launched in 1998 to facilitate credit access for farmers regarding agricultural inputs and production necessities. In this scheme, PM Kisan Credit Card 2025 (KCC) are granted to farmers based on their land ownership and crop cultivation practices. The KCC enables farmers to easily purchase agricultural inputs, such as fertilisers, seeds, and pesticides, and also allows them to withdraw cash for production purposes. You can check PM Kisan Credit Card Eligibility Criteria and then apply for same.
KCCs are provided by Private Sector Scheduled Commercial Banks, Public Sector Banks, Small Finance Banks, Primary Agricultural Credit Societies (PACS) linked with Scheduled Commercial Banks (SCBs), Regional Rural Banks (RRBs), and Rural Cooperative Banks. Read below to get more information about the PM Kisan Credit Card 2025.
PM Kisan Credit Card 2025
The PM Kisan Credit Card 2025 was launched with the aim of delivering adequate and timely credit to farmers for their agricultural endeavours. To facilitate this, the Government of India provides a 2% interest subvention and a 3% Prompt Repayment Incentive, allowing farmers to access credit at a significantly reduced rate of 4% per annum.
The program has gradually included investment credit for agriculture and related activities. Over time, it has expanded to encompass various allied sectors such as animal husbandry, poultry, and fisheries, evolving into a comprehensive rural credit scheme. We are providing more detailed information about the PM Kisan Credit Card, application, eligibility, etc, in the article.
PM Kisan Credit Card Scheme 2025
| Scheme | PM Kisan Credit Card Scheme 2025 |
| Eligibility Criteria | Individuals applying for the KCC must be between 18 and 75 years old. |
| Launched By and Year | Launched by the Government of India in 1998. |
| Benefit | The credit limit is raised by 10% annually for the next four years. |
| Year | 2025 |
| Category | Yojana |
| Resources | https://fasalrin.gov.in/ |
PM Kisan Credit Card Eligibility Criteria
The PM Kisan Credit Card Eligibility Criteria are specified as follows:
- Age: Individuals who are between 18 and 75 years old are eligible for the KCC scheme, thus providing access for farmers from various age demographics.
- Land Ownership: Farmers must own land intended for agricultural use to qualify for the scheme, ensuring that the credit is directed towards active farming practices.
- Savings Account: A savings bank account is mandatory for the efficient disbursement of funds and processing of transactions.
- Rented Land: Farmers lacking ownership of land must possess rented land for cultivation, which verifies their participation in agricultural activities.
- Crop Plan: A detailed and organised crop production plan is required to ensure that the credit is applied for productive agricultural purposes.
- Fertile Land: Only those farmers with fertile land are deemed eligible, ensuring that the credit aids in high-yield farming efforts.
- Co-borrower for Seniors: Senior citizens (aged over 60) must have a co-borrower to provide additional financial assurance and support for repayment.
Apply Online PM Kisan Credit Scheme 2025
To Apply Online PM Kisan Credit Scheme 2025, please follow these steps:
- Step 1: Visit the official website of the bank where you wish to submit your application for the Kisan Credit Card.
- Step 2: Navigate to the menu and select ‘Kisan Credit Card’ from the list of services provided.
- Step 3: Click on ‘Apply’ to access the application form.
- Step 4: Fill in all necessary details, including personal information, landholding information, and required documents.
- Step 5: Review the form to ensure that all information is accurate.
- Step 6: Submit your application.
- Step 7: You will receive an application reference number.
- Step 8: If you are eligible, the bank will contact you within 3-4 working days for verification and approval.
Kisan Credit Card Application : Documents Required
The documents listed below are required for applying to the KCC loan scheme:
- Application Form: A completed application form is necessary to start the loan process, which includes the applicant’s details and agricultural activities.
- Passport Size Photographs: Two passport-sized photographs are required for identification and documentation.
- Identification Proof: Valid IDs issued by the government (e.g., Aadhar Card, Driving License, Voter ID, Passport) are required to authenticate identity.
- Address Proof: Documents such as the Aadhar Card or Driving License are necessary to verify the applicant’s residential address.
- Proof of Landholding: Certified proof of land ownership or possession, confirmed by revenue authorities, is essential.
- Cropping Pattern: Information about the crops cultivated and the area of land helps in assessing agricultural activities and credit requirements.
- Security Documents: For loans exceeding Rs. 1.60 lakhs or Rs. 3 lakhs, collateral documentation is necessary to secure the loan.
Benefits Of PM Kisan Credit Scheme 2025
- The credit limit is raised by 10% annually for the next four years.
- For farmers cultivating various crops, the loan is determined by the cropping pattern.
- Should the crop plan be modified, the credit limit will be adjusted accordingly.
- Loans are accessible for land enhancement projects such as levelling and fencing.
- Assistance is provided for irrigation infrastructure, including wells and pumps.
- Funding is available for acquiring agricultural machinery such as tractors and harvesters.
Frequently Asked Questions On PM Kisan Credit Card 2025
What is the validity duration of the Kisan Credit Card?
The validity period is set at 5 years. The tenure you receive is based on the type of activity for which you plan to use the funds.
What is the age limit to apply for a Kisan Credit Card?
You must be at least 18 years old and not older than 75 years. If you are a senior citizen, it is required to have a co-borrower who is a legal heir.
What was the rationale behind the introduction of the KCC scheme?
The KCC scheme was created to ensure that the credit needs of farmers in the agricultural, fishery, and animal husbandry sectors are fulfilled.
Is there a revolving credit option available with a Kisan Credit Card?
Yes, a revolving cash credit option is available on these cards, permitting an unlimited number of withdrawals and repayments within the credit limit.