Kisan Credit Card (KCC) Scheme 2025: Limit Increased from Rs 3 to 5 Lakh, Apply New

Kisan credit card budget 2025, Kisan Credit Card (KCC) Scheme 2025, Limit Increased from Rs 3 to 5 Lakh: The Kisan Credit Card (KCC) Scheme was introduced to provide farmers with timely and adequate financial support for their agricultural needs. In the Union Budget 2025, Finance Minister Nirmala Sitharaman announced an increase in the Kisan Credit Card limit from ₹3 lakh to ₹5 lakh. This decision aims to enhance credit accessibility for farmers, offer financial assistance for agricultural activities, and promote rural development. Additionally, the government has decided to expand credit guarantee coverage for MSMEs to improve their access to financing. The updated Kisan Credit Card (KCC) 2025 is expected to provide significant benefits to farmers across the country.

Kisan credit card budget 2025 : New Update

Kisan credit card budget 2025: Finance Minister Nirmala Sitharaman, while presenting the Union Budget 2025, announced a major update to the Kisan Credit Card (KCC) scheme. The loan ceiling under the scheme has been increased from ₹3 lakh to ₹5 lakh. This decision is expected to benefit 7.7 crore farmers, including fishermen and dairy producers.

The government's move to raise the loan limit reflects its commitment to addressing the evolving financial needs of farmers. With increased credit access, farmers can invest in modern agricultural equipment, high-quality seeds, fertilizers, and advanced irrigation systems, ultimately improving crop yields and boosting their income.

Objective of Kisan Credit Card 2025

The primary objective of the Kisan Credit Card (KCC) is to provide farmers with easy access to credit for their agricultural needs. The KCC Scheme was introduced to offer timely and adequate financial assistance, enabling farmers to carry out their farming activities without financial constraints. Increasing the loan limit under this scheme is a significant step that enhances farmers' access to institutional credit while reducing their dependence on high-interest informal loans. The KCC initiative aims to streamline the credit process by offering a single-window system with flexible and simplified procedures, ensuring farmers receive hassle-free financial support for agriculture and related needs.

Short Details in Kisan Credit Card (KCC) Scheme 2025

Eligibility Criteria

• Individual farmers or joint borrowers who are owner-cultivators.
• Tenant farmers, oral lessees, and sharecroppers.
• Self-Help Groups (SHGs) or Joint Liability Groups (JLGs) consisting of farmers, including tenant farmers and sharecroppers.

Benefits of Kisan Credit Card (KCC) Scheme

• Credit for Cultivation: Farmers can use the KCC to purchase essential agricultural inputs such as seeds, fertilizers, pesticides, and other farming supplies.
• Post-Harvest Expenses: The card helps farmers manage costs incurred after harvesting, such as storage, transportation, and processing.
• Working Capital Support: It provides financial assistance for agricultural operations, including dairy farming, poultry, and fisheries.
• Investment in Farm Equipment: Farmers can use the KCC to purchase essential machinery like pump sets, sprinklers, and tractors to improve productivity.
• Household Financial Support: The scheme allows farmers to meet their family's daily financial needs.
• Loan for Crop Marketing: Farmers can secure credit for marketing and selling their produce efficiently.

Type of Kisan Credit Card

• Magnetic Stripe Cards with PIN & ISO IIN: These cards come with a magnetic stripe, a Personal Identification Number (PIN), and an International Standards Organization International Identification Number (ISO IIN). They can be used at all bank ATMs and micro-ATMs.
• Cards with Aadhaar-Based Biometric Authentication: Banks that wish to utilize UIDAI’s centralized biometric authentication (Aadhaar authentication) can issue debit cards with a magnetic stripe, PIN, and ISO IIN.
• Biometric-Only Debit Cards: Depending on the bank’s customer base, some debit cards may feature magnetic stripes with only biometric authentication instead of a PIN.
• Existing Biometric Infrastructure: Until UIDAI authentication becomes widely adopted, banks may continue using their existing centralized biometric systems without interoperability.
• EMV & RUPAY Chip Cards: Banks may choose to offer EMV-compatible chip cards (Europay, MasterCard, and VISA), which support global interoperability, along with RUPAY-enabled chip cards that include magnetic stripes and ISO IIN.
• Standardization Efforts: IDRBT and IBA have developed shared open standards for biometric authentication and smart cards, ensuring secure and seamless transactions.

Required Documents

• Duly filled Application Form
• Two recent passport-sized photographs
• Identity Proof (Any one of the following: Aadhaar Card, Voter ID, Passport, or Driver’s License)
• Address Proof (Any one of the following: Aadhaar Card or Driver’s License)
• Proof of Landholding, certified by the revenue authorities
• Cropping Pattern details, including the type of crops grown and acreage
• Security Documents (for loan limits exceeding Rs. 1.60 lakh / Rs. 3.00 lakh, as applicable)
• Any other documents as required or approved by the concerned authorities

Salient Features

The Kisan Financing Card Scheme aims to provide farmers with timely and flexible financial assistance through a streamlined banking system. This initiative offers a single-window solution for various agricultural and related financial needs, including:

• Short-term credit for crop cultivation.
• Financial support for post-harvest expenses.
• Loans for produce marketing.
• Credit for essential household expenses of farmers.
• Working capital for the maintenance of farm assets and other related activities.
• Investment credit for agricultural and allied activities.

Online Process Of Kisan Credit Card (KCC) Scheme Reegistration 2025

• Visit the official website of your preferred bank to apply for the Kisan Credit Card (KCC) scheme.
• Navigate to the Kisan Credit Card section from the list of available services.
• Click on the ‘Apply Now’ button to proceed with the online application.
• Fill in the required details in the application form and submit it.
• After submission, you will receive an application reference number for tracking your status.
• If you meet the eligibility criteria, the bank will review your application and contact you within 3-4 working days for further processing.

Offline Application Process

Offline applications for the Kisan Credit Card (KCC) scheme can be submitted by visiting the nearest branch of your selected bank or by downloading the application form from the bank’s official website.

Once at the branch, applicants can begin the application process with the help of a bank representative.

Helpline Information

For assistance, you can contact the Credit Division, Department of Agriculture & Farmers Welfare (MoA & FW), Krishi Bhawan, Dr. Rajendra Prasad Road, New Delhi – 110001.

Frequently Asked Questions (FAQs):

What is the Kisan Credit Card Scheme?

The Kisan Credit Card (KCC) Scheme was introduced to provide farmers with timely and adequate credit to meet their agricultural needs, ensuring smooth functioning of their farming activities.

What are the benefits of the KCC Scheme?

The Finance Minister, Nirmala Sitharaman, recently announced an update to the Kisan Credit Card Scheme, increasing the loan limit from ₹3 lakh to ₹5 lakh, which will help farmers avail higher credit facilities.

Who is eligible for the KCC Scheme?

The scheme is available for individual and joint borrowers who are owner-cultivators.

Kisan Credit Card (KCC) Scheme 2025 Form PDF Link

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