Kisan Credit Card Scheme 2025: Kisan Credit Card (KCC) Scheme was introduced to support farmers by providing timely and suitable finance for their agricultural activities. 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 change aims to enhance credit access for farmers, assist with agricultural requirements, and promote rural development.
Additionally, the government plans to expand credit guarantee coverage for MSMEs to improve their access to funding. With the updated Kisan Credit Card (KCC) 2025, farmers will receive significant benefits. This initiative is expected to further assist them in managing their financial needs efficiently.
Kisan Credit Card (KCC) Scheme 2025 – New Update
Finance Minister Nirmala Sitharaman announced an important update for the Kisan Credit Card scheme. The loan limit will increase from ₹3 lakh to ₹5 lakh. This announcement was made during the presentation of the seventh consecutive Union Budget for 2025. The increase in loan limits aims to support the 7.7 crore farmers, fishermen, and dairy producers who rely on this scheme.The government’s decision to raise the loan ceiling to ₹5 lakh reflects its commitment to addressing the evolving financial needs of farmers. This change is expected to enable farmers to invest in modern agricultural tools, high-quality seeds, fertilizers, and efficient irrigation systems. Such investments are likely to enhance crop yields and, in turn, boost their overall income.
Also Read: PM Dhan Dhanya Krishi Yojana
Objectives of Kisan Credit Card Scheme
The main goal of Kisan Credit Card is to offer farmers a credit facility that they can use for their agricultural practices. Kisan Credit Card Scheme was created to help farmers get appropriate and timely finance for their agricultural activities. Increasing the loan limit for farmers under Kisan Credit Card Scheme is a positive move that will enhance their access to official credit. This change will also decrease their dependence on high-interest informal loans.Kisan Credit Card initiative aims to deliver sufficient and timely financial support from the banking system under a single-window system. This will provide farmers with flexible and easy processes to fulfill their agricultural and other financial needs.
Key Highlights of Kisan Credit Card Scheme 2025
| Name of the Scheme | Kisan Credit Card Scheme 2025 |
| Launched By | Central government of India |
| Objective | To provide credit facilities to the farmers |
| Target Beneficiaries | Small and Marginal farmers |
| Benefits | Kisan Credit Card limit from ₹3 lakh to ₹5 lakh |
| Application Process | Online/offline |
| Official Website | https://fasalrin.gov.in/ |
Kisan Credit Card Scheme Online Application Process
- Visit the bank’s website to apply for the Kisan Credit Card (KCC) scheme.
- Select the Kisan Credit Card option from the list of available services.
- Click on the ‘Apply’ button to be directed to the application page.
- Complete the application form with the required information and click ‘Submit’.
- After submission, an application reference number will be generated.
- If eligible, the bank will reach out to you with the next steps within 3-4 working days.
Offline Process
- Offline applications can be submitted by visiting your preferred bank’s branch or by downloading the KCC application form from the bank’s website.
- The applicant can visit the branch and start the application procedure with the assistance of a bank professional.
Eligibility Criteria
- Farmers are individual or joint borrowers who are owner-cultivators.
- Tenant farmers, oral lessees, and sharecroppers.
- Self-Help Groups (SHGs) or Joint Liability Groups (JLGs) comprising farmers, including tenant farmers and sharecroppers,
Benefits of Kisan Credit Card (KCC) Scheme
- Credit for cultivation: Farmers can utilize the card to purchase seeds, fertilizers, insecticides, and various agricultural supplies.
- Post-harvest expenditures: The card may be used to manage expenses incurred after the harvest.
- Working capital: This card provides funding for agricultural assets and operations, including dairy, poultry, and fisheries.
- Equipment acquisition: Farmers can use their investment credit card to acquire farm machinery such as pump sets, sprinklers, and tractors.
- Household needs: The card can be employed to meet the usage needs of the farmer’s household.
- Crop marketing loans: Farmers are able to obtain loans through the card to facilitate the marketing of their crops.
Also Read: PM Kisan Installment Date
Types of Kisan Credit Cards
- A magnetic stripe card integrated with a Personal Identification Number (PIN) and an International Standards Organization International Identification Number (ISO IIN) that provides access to all bank ATMs and micro-ATMs.
- Debit cards featuring magnetic stripes are available with both PIN and ISO IIN for banks that utilize the UIDAI’s centralized biometric authentication system (Aadhaar authentication).
- Some banks offer debit cards that rely solely on biometric identification, in alignment with their client demographics.
- In the interim period before widespread deployment of UIDAI, banks can continue utilizing their existing centralized biometric systems, albeit without interoperability.
- Financial institutions may consider offering EMV (Europay, MasterCard, and VISA) compliant chip cards along with magnetic stripes and ISO IIN.
- Additionally, the Institute for Development and Research in Banking Technology (IDRBT) and the Indian Banks’ Association (IBA) have developed shared open standards for biometric authentication and smart card technologies.
Required Documents
- Application Form.
- Two passport-sized photographs.
- ID proof, such as a driver’s license, an Aadhar card, a voter identity card, or a passport.
- Address proof, such as a driver’s license or an Aadhar card.
- Proof of landholding, duly certified by the revenue authorities.
- Cropping pattern (crops grown) with acreage.
- Security documents for loan limits exceeding Rs. 1.60 lakhs / Rs. 3.00 lakhs, as applicable.
- Any other documents as approved.
Salient Features
Kisan Financing Card plan aims to offer farmers quick and flexible financial support from the banking system through a single window. This plan includes:
- Short-term credit for crop cultivation
- Post-harvest expenses
- Produce marketing loan
- Farmer household consumption
- Working capital for farm asset maintenance and related activities
- Investment credit for agriculture and allied activities
This initiative is essential for promoting financial stability among farmers, ensuring they have access to the necessary resources at crucial times. Each component of the Kisan Financing Card plan is designed to support the overall growth of the agricultural sector in India.
Helpline Number
Contact your bank’s official helpline number or Credit Division, Department of Agriculture & Farmers Welfare, (MoA & FW), Krishi Bhawan, Dr Rajendra Prasad Road, New Delhi – 110001