Kisan Credit Card

Whether you are an individual farmer, a member of a self-help group, or part of joint-liability groups, this card is tailored to meet a variety of your agricultural needs. Offering both overdraft and term loan options, the KCC provides flexible financial solutions for cultivation, post-harvest expenses, and even farm asset maintenance. With our easy eligibility criteria, minimal down payment requirements, and convenient repayment terms, the Kisan Credit Card (KCC) is an innovative financial tool designed to empower the backbone of our economy through financial support. Read more

Why this card is for you

Supporting your agricultural needs with easy solutions

Tailored for individual or joint owner-cultivators, tenant farmers, oral lessees, share croppers, self-help groups or joint-liability groups of farmers

Fast processing for timely financial support with competitive rates as per EBLR guidelines

Choose between overdraft and term loan facilities to suit diverse farming needs

Down payment amount

There is no down payment required for overdraft. However, down payment ranges from 10% to 25%, depending on loan amount for term loans.

Loan repayment

Repayment schedules are adaptable, allowing payments in different intervals (monthly, quarterly, etc.), aligned with your agricultural activity's harvesting and marketing periods.

Grace period

We may offer grace periods, considering the nature and cycle of the agricultural activity, providing farmers with a cushion during non-harvest periods.

Customized solutions

We offer a choice between an overdraft facility for immediate needs and a term loan for long-term agricultural investments. The loan amount is tailored based on your individual income, repaying capacity, and the scale of financing.

Flexible usage

Loans are designed to support both investment in your agricultural and allied activities, as well as operational costs related to cultivation and harvesting processes.

Interest rates

Interest rates align with External Benchmark Lending Rate (EBLR) guidelines, ensuring that your payments are affordable and reflective of current market

Crop hypothecation

Security requirement is limited to the hypothecation of crops, meaning the pledged crops serve as collateral for loans up to ₹1.6 lakh.

Other collateral options

In addition to crop hypothecation, collateral can include agricultural land or other forms of security acceptable to the bank.

Make matters simple and straightforward

A smart calculator for smart spending and savings

Emi Calculator

Loan amount
25000 1000000
Rate of interest
2% 18%
Loan tenure
1 Months 60 Months

You will pay

₹13,800/Months

Not sure which product is for you?

Let’s find the best fit together

  • No spam calls
  • Dedicated KBL experts
  • Set up a call on your time

Eligibility criteria

Individuals and joint borrowers
  • Individuals or joint borrowers actively engaged in farming on their own land
  • Must be directly involved in crop production activities
  • Valid documents proving ownership or cultivation rights over farming land
  • Clean financial history with no defaults
  • No NPAs or closed OTS accounts
  • Self Help Groups or Joint Liability Groups in farming
  • Groups can include tenant farmers and sharecroppers
  • Good standing with existing credit facilities
  • Valid identification and proofs of the group's operational status

Documents required

  • Scanned or soft copy of KYC documents
  • RTC, Patta book, Pahani or any agricultural land proof

As easy as 1,2,3...

Apply for a Kisan Credit Card in 3 simple steps

Step 1

Visit your nearest branch

Go to your nearest Karnataka Bank branch

Step 2

Start with your basic details

Provide your basic details and keep your documents handy

Step 3

We’ll take care of the rest

Our branch officials will notify you when your loan is sanctioned

abc

Simplify agribanking with easy reads

Bite-sized resources that keep you informed

Financial wellness
A Guide to Budgeting and Saving with Your Bank

Blog
Boosting Resale Value on a Budget: The “Yes” and “No” List for Renovating

Blog
Financing Travel Adventures with Gold Loans

Blog
Top Tips for Negotiating the Best Gold Loan Interest Rates and Terms

Blog
7 Reasons It’s Time to Consider Taking a Business Loan

Blog
Beyond the Piggy Bank: Teaching Kids Financial Literacy

Blog
Unlocking Freedom: The Case for Owning a Car in the Age of Convenience

Blog
Is financing micro living with Home Loans recommended?

Blog
Myth Or Fact? Debunking Some Common Myths About Car Loans

Blog
6 Savings Account Mistakes to Avoid at All Costs

Blog
Common mistakes while availing personal loans and how to avoid them

Blog
5 Dos and Donts When Applying for Personal Loans

Blog
Leveraging Property-Based Loans for Business Growth

Blog
The Wisdom of Instant Gold Loans for Retired People - Unlock Financial Security

Blog
Dependancy Of Public Transport V/s Owning A Vehicle

Blog
Vehicle Loans for Aspiring Delivery Partners and Cab Drivers

Blog
Match made in banking heaven: Savings account edition

Blog
Furnishing your newlywed home with a Gold Loan

Blog
Financing Your Next Ride: A Guide to Buying Second-Hand Car with a Car Loan

Blog
Insta(nt) success: Business Loans for Small Businesses on Social Media

Blog
Is it Better to Buy an Apartment or an Independent House?

Blog
Earn more with vacation rentals over long-term renting: Loan against property

Blog
Navigating Personal Loans in your early 20s- Is it a Good Idea?

Blog
Savings Account: Breaking Norms and Building Wealth

Blog
Why should you go for a semi-furnished apartment?

blog
The Ultimate Guide to Savings Accounts

blog
Unlocking Financial Growth: The Ultimate Guide to Savings Accounts

Financial wellness
Empowering Your Financial Wellness: A Guide to Budgeting and Saving with Your Bank

Got questions? We’ve got answers.

Who is eligible for the Kisan Credit Card?

Eligibility extends to individual or joint farmers, tenant farmers, and farming groups, provided they have the necessary farming documentation and valid identity proofs.

Visit our nearest branch with your agricultural documents. Our team is ready to assist you through the application process, ensuring clarity and efficiency. You can also apply online through our website for quick processing.

Choose from an overdraft facility for immediate needs or a term loan for larger, long-term agricultural investments, aligned with your farming operations.

Security requirement is limited to the hypothecation of crops, meaning the pledged crops serve as collateral for loans up to ₹1.6 lakh. In addition to crop hypothecation, collateral can include agricultural land or other forms of security acceptable to the bank.

The scheme offers a flexible repayment period of up to five years, with schedules that can be tailored to your harvesting and income cycles.

There is no down payment for the overdraft option. For term loans, a down payment of 10% to 25% is required, depending on the nature of your investment.

If repayment challenges arise, we encourage prompt communication with us to explore feasible solutions and maintain financial integrity.

Loan amounts are assessed based on your farming income, repaying capacity, and the scale of your agricultural operations.

We prioritize expedient loan processing, understanding the importance of timely financial support for your business aspirations.

Prepayment is an option available to you, potentially reducing your interest obligations. We advise discussing this with us to understanding terms and conditions of the loan.

Flexible credit with the Kisan Credit Card (KCC)

The Kisan Credit Card (KCC) is a revolutionary initiative that offers farmers a kcc loan to meet their agricultural and allied expenses. Through the kisan credit card scheme, farmers can access credit at their fingertips. If you're looking to apply, the kisan credit card apply process is simple and straightforward, with competitive kisan credit card interest rate. Learn how to apply kisan credit card and manage your farming finances more effectively.

The interest rates for agri-business credit can vary depending on the credit amount and repayment capacity of the borrower. It's important to understand these rates as part of your loan application process to ensure that the credit terms align with your financial capabilities.

Do use the credit for intended agricultural purposes to maximize its benefits. Maintain good financial records to support your creditworthiness. Don't exceed your borrowing limit without a clear repayment plan. Stay informed about any changes in credit terms or interest rates.