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Kisan Credit Card Scheme

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Kisan Credit Card Scheme (KCC) aims at providing adequate and timely support from the banking system to the farmers for their short-term credit needs for cultivation of crops. This mainly helps farmer for purchase of inputs etc.,during the cropping season. Credit card scheme proposed to introduce flexibility to the sytem and improve cost efficiency.

What is the benefit of KCC Scheme?

  • Simplifies disbursement procedures
  • Removes rigidity regarding cash and kind
  • No need to apply for a loan for every crop
  • Assured availability of credit at any time enabling reduced interest burden for the farmer.
  • Helps buy seeds, fertilizers at farmer’s convenience and choice
  • Helps buy on cash-avail discount from dealers
  • Credit facility for 3 years – no need for seasonal appraisal
  • Maximum credit limit based on agriculture income
  • Any number of withdrawals subject to credit limit
  • Repayment only after harvest
  • Rate of interest as applicable to agriculture advance
  • Security, margin and documentation norms as applicable to agricultural advance

How to get Kisan Credit Card?

  • Approach your nearest public sector bank and get the details
  • Eligible farmers will get a Kisan Credit Card and a pass book. It has the name, address, particulars of land holding, borrowing limit, validity period, a passport size photograph of holder which may serve both as an identity card and facilitate recording of transactions on an ongoing basis.
  • Borrower is required to produce the card cum pass book whenever he/she operates the account.

Kisan Credit Cards from leading banks in India

Allahabad Bank - Kisan Credit Card (KCC)

Andhra Bank - AB Kisan Green Card

Bank of Baroda - BKCC

Bank of India - Kisan Samadhan Card

Canara Bank - KCC

Corporation Bank - KCC

Dena Bank - Kisan Gold Credit Card

Oriental Bank of Commerce -Oriental Green Card (OGC)

Punjab National bank - PNB Krishi Card

State Bank of Hyderabad -KCC

State Bank of India -KCC

Syndicate Bank -SKCC

Vijaya Bank -Vijaya Kisan Card


Personal Accident Insurance Scheme to cover Kisan Credit Card holder

'Personal Accident Insurance Package" is provided to the Kisan Credit Card (KCC) holders.

Salient features of the scheme

  • Scope of Cover - This scheme covers all the Kisan Credit Card Holders against death or permanent disability within the country.
  • Persons Covered - All KCC holders up to the age of 70 years.
  • Risk coverage - The benefits under the scheme are as under;
  • Death due to accident caused by outward, violent and visible means: Rs.50,000/-
  • Permanent total disability: Rs.50,000/-
  • Loss of two limbs or two eyes or one limb and one eye: Rs.50,000/-
  • Loss of one limb or one eye: Rs.25,000/-
  • Period of Master Policy - Valid for a period of 3 years.
  • Period of Insurance - Insurance cover will be in force for a period of one year from the date of receipt of premium from the participating Banks in cases where annual premium is paid. In case of three year cover, the period of insurance would be for three years from the date of receipt of premium.
  • Premium - Out of the Annual premium of Rs.15/- per KCC holder, Bank has to pay Rs.10/- and Rs.5/- has to be recovered from KCC holder.
  • Operational procedure - The servicing of the business will be undertaken by the four Insurance Companies on zone-wise basis- United India Insurance Co Ltd covers Andhra Pradesh, Karnataka, Kerala, Andaman and Nicobar, Pondicherry, Tamil Nadu and Lakshadweep.
  • Implementing branches have to remit the Insurance premium on a monthly basis along with the list of farmers to whom KC cards have been issued during the month.
  • Claims Procedure - In case of death, disablement claims & death due to drowning: Claim administration will be done by the designated office of the Insurance Companies. Separate procedure is to be followed.

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Banks in agricultural sector

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Nationalisation of banks was a major step for channelising credit to various sectors of economy of which agriculture is a major sector. A dynamic and growing agricultural sector needs adequate finance through banks to accelerate the overall growth. The government has directed the banks to double their flow of credit to agriculture sector in three years commencing from the year 2004-05. With the government’s keen interest and special budget allocation for agricultural in the 11th five-year plan, it is now in the hands of the farmer to reap the benefit of the schemes offered by the banks. Following is a list of offers of credit from some of the nationalised banks.

Allahabad Bank (

  • Kisan Shakti Yojana Scheme
  • Farmers are free to utilise the loan at their own choice
  • No margin is required
  • 50% of the loan amount may be utilized for personal/domestic purposes including repayment of debt to money lenders

Andhra Bank (

  • Andhra Bank Kisan Green card
  • Coverage under Personal Accident Insurance Scheme (PAIS)

Bank Of Baroda (

  • Purchase of second hand tractors scheme for dry-land farming
  • Working capital needs to dealers/distributors/traders of agrl. Inputs/livestock inputs
  • Hiring agrl. machinery
  • Development of horticulture
  • Working capital for units engaged in dairy, piggery, poultry, sericulture etc.
  • Financing Scheduled Caste/Scheduled Tribes for purchase of farm implements, tools, pair of bullocks, creation of irrigation facilities.

Bank of India (

  • Star Bumiheen Kisan Card – for share croppers, tenant farmers and oral lessees

  • Kisan Samadhan card – Kisan credit card for crop production and other related investments

  • BOI Shtabti Krishi Vikas Card – electronic card for anywhere anytime banking for farmers

  • Funding for contract farming in hybrid seed production, cotton industry, sugarcane industry etc.

  • Special schemes for SHGs and to empower women folk

  • Star Swarojkar Prashikshan Sansthan (SSPS), a new initiative to provide entrepreneurial training tofarmers

  • Crop loans : Upto Rs. 3 lakhs at the rate of 7% per annum

  • Collateral security: loans up to Rs. 50, 000, no collateral required, but for above Rs. 50, 000, RBI directives are followed.

Dena Bank (

  • Dena bank is most active in Gujarat, Maharashtra, Chhattisgarh and UT of Dadra and Nagar haveli.

  • Dena Kisan Gold Credit Card Scheme

  • Maximum credit limit up to Rs. 10 lakh

  • Provision of 10% towards domestic expenses including education of children

  • Longer repayment period up to 9 years

  • Loan is available for any type of investment in farm such as farm implements, tractors, sprinklers/drip irrigation systems, oil engine, electric pump sets, etc.

  • Short term crop loan up to Rs. 3 lakhs @ 7%

  • Disposal of loans within 15 days of application

  • No collateral up to Rs. 50, 000 for farm loans and up to Rs. 5 lakhs for setting up agri-clinic and agri-business units.

Indian Bank (

  • Production Credit : Crop loans, Tie-up with sugar mills & Kisan Credit Card Scheme, Crop loans to tenant farmers, share croppers and oral lessees

  • Agricultural Investment Credit : Land development, minor irrigation, micro irrigation, farm mechanization, plantation and horticulture

  • Agricultural Structured Loans : Kisan Bike, Agri- Vendors Bike, Agri. Clinics and Agri Business Centres

  • Group Lending for Agricultural Development: Loan to joint liability groups / Self Help Groups

  • New Agricultural Avenues: Contract farming, Organic farming, rural godowns, cold storage, medicinal and aromatic plants, bio-fuel crops etc..

Oriental Bank of Commerce (

  • Oriental green Card (OGC) Scheme

  • Composite Credit Scheme for Agricultural lending

  • Setting up of cold storages/godowns

  • Financing commission agents

Punjab National Bank (

  • PNB Kisan Sampuranrin Yojana

  • PNB Kisan Icha Purti Yojana

  • Growing potatoes/fruits against pledge of cold storage receipts

  • Self propelled Combine Harvestors

  • Development of Forestry nursery

  • Wasteland development

  • Mushroom/Prawn culture and mushroom spawn production

  • Purchase nad maintenance of milch animals

  • Dairy Vikas Card Scheme

  • Schemes for pisciculture, piggery, bee-keeping etc.

State Bank of Hyderabad (

  • Crop loans and Agrl. Gold loans

  • Marketing of agricultural produce

  • Cold storage/private warehouse

  • Minor irrigation & Dug well scheme / development of old well scheme

  • Land development finance

  • Purchase of tractor, power tiller and implements

  • Purchase of Agrl. Land/fallow/wastelands

  • Vehicle loans for farmers

  • Drip irrigation and sprinklers

  • Self Help Group

  • Agri Clinics and Agri Business Centres

  • Yuva Krishi Plus Scheme

State Bank of India (

  • Crop loan Scheme (ACC)

  • Storing produce in their own premises and renewal of loans for next season

  • Kisan Credit Card Scheme

  • Land Development Schemes

  • Minor Irrigation Schemes

  • Purchase of combine Harvestor

  • Kisan Gold Card Scheme

  • Krishi Plus Scheme- for customized hiring of tractor to rural youth

  • Arthias Plus Scheme – for Commission agents

  • Broiler Plus Scheme – Broiler farming

  • Lead Bank Scheme

Syndicate Bank (

  • Syndicate Kisan Credit card (SKCC)

  • Solar Water Heater Scheme

  • Agri-clinics and Agri-business centres

Vijaya Bank (

  • Loans to Self Help groups

  • Vijaya Kisan Card

  • Vijaya Planters Card

  • KVIC Margin Money Scheme for Artisans and Village Industries

Links for other Banks


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A. Ministry of Water Resources: The Ministry of Water Resources has agreed to fund the following tasks under the following Schemes

I. Accelerated Irrigation Benefit Program (Assistance from Centre – Rs. 25% of the Project cost)

  1. Modernization of Thaneermukkam Barrage to manage salinity and minimize ecological decay
  2. Improving the efficiency of the Thottapally Spillway and leading channel.

II.  Flood Management Program (Assistance from Centre –75% of the total Project cost)

  1. Regulation of floodwater in Kayal area near C&D and Rani-Chithira Blocks
  2. Complete construction of AC canal with removal of all blocks.
  3. Orumuttus Creation of 33 permanent Kottachira across Kariyar
  4. Restoration of KWS, Onattukara and Thuravoor-Pattanakkadu rivers, canals, drains and water bodies.
  5. Provide infrastructure support to paddy cultivation – Construction of Outer Bunds around padasekharams

III.  Research and Development (Project based assistance)

  1. Supporting research study by a consortium of competent organizations on TMB operation and Kayal ecology

B. Ministry of Agriculture: The Ministry of Agriculture has agreed to fund the following tasks under the following schemes

I. Rashtriya Krishi Vikas Yojana – RKVY (Assistance from Centre – 100% of the Project cost)

  1. Supply of pumps and agricultural machinery for common use by farmers at Padasekharam level in Kuttanad.
  2. Support for first paddy cultivation in Onattukara region.
  3. Promotion of rice – sesamum cultivation on rotation basis in Onattukara region.
  4. Strengthening Research in Research Stations functioning in Kuttanad
  5. Establishment of Farm Machinery Research Development and Training
  6. Eradication and utilization of water hyacinth in Kuttanad Wetland System.

II.  National Horticulture Mission (Crop based / Project based assistance from Centre)

  1. Horticulture Development in Kuttanad

III.  Seed Village Program (Project based support from Centre)

  1. Certified Seed Production and developing seed infrastructure

IV.  ATMA Scheme (Agricultural Technology Management Agency Scheme -75% assistance from Centre)

  1. Establishing Agri-Clinics in Kuttanad

V.  Coconut Development Board (Area based assistance for cutting & removal, planting and maintenance of coconut gardens)

  1. Coconut revival program for improving health and productivity in Kuttanad region


C.  Department of Animal Husbandry: The Department of Animal Husbandry of the Government of India has agreed to fund the following tasks under the following schemes

I.  National Project for Cattle & Buffalo breeding Scheme

  1. Induction of 2000 High Yielding animals  (50% assistance from Centre)
  2. Female calf rearing
  3. AI insemination
  4. Estrus synchronization

II.  Integrated Development for small ruminants and rabbits Scheme

  1. Introduction of goats to farmers (50% assistance from Centre)

III.  Development of Inland aquaculture and fisheries

  1. Paddy fish integration for economic and ecological security  farmers training
  2. Cluster based Cage – subsidy support
  3. Fish hatcheries for raising adequate quality fingerlings


D. Ministry of Environment and Forests: The MOEF has agreed to fund the following tasks under the following schemes:

I.  National Wetland Conservation Program

  1. Promote mangrove restoration along the banks of Vembanad  kayal and Kayamkulam
  2. Systematic program all over Kuttanad for elimination of water hyacinth


E.  13th FINANCE COMMISSION - Rs. 300 crore has been approved to strengthen the Kuttanad Ecosystem to make Kuttanad a Special Agriculture Zone.  The following tasks have been approved by the Kuttanad Prosperity Council for funding:

  1. Revival of pearl spot & prawns, ranching & establishing of fish sanctuaries in the Kuttanad Wetland System including Vembanad.
  2. Improving sanitation & providing safe drinking water to residents of Kuttanad –Roof top water harvesting structures –Comprehensive Health care for the families
  3. Promoting location specific research in Kuttanad
  4. Mixed farming with livestock including introduction of High Yielding milch cows & revival of duck farming
  5. Welfare measures for agrl. women labourers & children
  6. Marketing of ‘Kuttanad’ Brand rice
  7. Special one time assistance for initiating cultivation in fallow lands
  8. Promoting Integrated Pest Management, Integrated Nutrient Management & Integrated Weed Management
  9. Biodiversity conservation and promotion of Vembanad as a bird habitat
  10. Promoting farm tourism
  11. Construction of salt water regulator (Orumuttu) across Kariyar & related works



Food Security Mission Scheme

  1. Support for first paddy cultivation in Onattukara region.
  2. Promotion of Sesamum cultivation in Onattukara region


  1. Establishment of Temporary Storage Structures in Kuttanad

State Plan Budget (For tasks below Rs. 50 lakhs)

  1. Support for soil test based fertilizer application
  2. Pest forecasting and early warning service
  3. Training youths in skilled agrl. jobs
  4. Production bonus enhancement in Purakkad Kari
  5. Improving the capacity of Duck Hatchery at Niranam
  6. Providing insurance cover to ducks-subsidy on premium
  7. Ranching, involving large-scale hatchery-reared production of post-larvae
  8. Fish hatcheries for raising adequate quality fingerlings
  9. Fresh water prawn and karimeen conservation
  10. Group based enterprise on ornamental fish culture
  11. Cold storage facility for the fishing communities.
  12. Training and capacity building  of fishermen and fingerlings prodn, improving sanitation and hygiene in processing units
  13. Promotion of farm tourism

Guidelines of the Schemes

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ICAR 2030

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THE Indian Council of Agricultural  Research is marching ahead with renewed vigour to face complex challenges and to harness domestic and global opportunities for the welfare of the farmers, consumers and other stakeholders in the food-supply chain. The efforts would be to become a leading organization in the world, which is responsive, vibrant and sensitive to the needs of its stakeholders.


Ensure food and income security for all, through technological innovations and sustainable agriculture.


Harness power of science and education with a human touch for higher and sustainable agricultural production.


To accomplish the vision and the mission of the ICAR— it gives highest priority to farmers, and entire strategy is based on ‘farmer first’. It is determined to continuously strive hard to transform the existing National agricultural research system into a vibrant national.

Agricultural Innovation System. It would concentrate on the following

key areas.

• Promote innovations and improve human resource capacity by involving all stakeholders in the food-supply chain.

• Strengthen institutional capacity for attaining sustainable food,  nutrition, and livelihood security and also for global competitiveness.

• Act as a catalyst in reclaiming degraded resources for agriculture, and conserve and enhance national wealth of natural resources and biodiversity.

• Promote adaptation and preparedness for meeting climate change challenge, and evolve mechanisms for effective drought and flood management.

• Foster repositories of genetic resources related to crop, livestock, fish, insects and micro-organisms for their sustainable utilization. 910

Indian Council of Agricultural Research

• Improve knowledge management system to act as an efficient clearing-house of technology, knowledge and information in agriculture and allied sectors.

• Faclitate quarantine, evolve mechanisms for sanitary and phytosanitary inspection of germplasm under exchange for research, and perform other regulatory functions.

• Develop and facilitate gradual replacement of pesticides, and execute mechanisms for bio-security of the country, especially that emerging from threat of gene piracy and cross-border vector-borne diseases.

• Reform agricultural education and extension systems, and enhance human resource befitting global competition.

• Foster linkages and collaborations with public and private, national and international organizations

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