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Kisan Credit Card (KCC)

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Kisan Credit Card (KCC) — Fasal aur sambaddh kaamon ke liye bank se aasan loan — ₹3 lakh tak 7% byaj, samay par chukta karne par 3% aur protsahan chhoot, matlab prabhavi sirf 4% byaj

Seedha jawaab: Fasal aur sambaddh kaamon ke liye bank se aasan loan — ₹3 lakh tak 7% byaj, samay par chukta karne par 3% aur protsahan chhoot, matlab prabhavi sirf 4% byaj.

Vibhag: Vittiya Seva Vibhag (DFS), Vitt Mantralaya / Krishi evam Kisan Kalyan Mantralaya · Official portal: pmkisan.gov.in · Jankari antim baar verify: 2026-10-20

Yojana ke baare me

Kisan Credit Card se kisan ko beej, khaad, fasal kharch ke saath-saath katai ke baad ke kharch, marketing, ghar-kharch aur pashupalan/matsya jaise sambaddh kaamon ke liye ek hi card se ghumta (revolving) loan milta hai. Dhyaan dein — ye loan hai, muft sahayata nahi. Ek zaroori suchna: Budget 2025-26 me KCC seema ₹3 lakh se badhakar ₹5 lakh karne ki ghoshna hui thi, lekin byaj-chhoot (MISS) ke May 2025 ke taaza Cabinet note me chhoot ₹3 lakh tak ke loan par hi darj hai — isliye apne bank se vartaman seema zaroor confirm karein. Mar 2026 tak desh me 7.72 crore sakriya KCC the.

Kaun patr hai ✓

  • Zameen ke malik kisan (owner-cultivator) — akela ya sanyukt rin-dhark ke roop me
  • Kirayedar kisan, maukhik patta-dharak (oral lessee) aur bataidar (sharecropper) bhi patr hain
  • Kisanon ke Svayam Sahayata Samuh (SHG) aur Sanyukt Dayitva Samuh (JLG) — kirayedar/bataidar ke samuh sahit
  • Pashupalan, dairy aur matsya-palan karne wale kisan bhi KCC se sambaddh kaamon ke liye loan le sakte hain

Kaun patr NAHI hai ✗

  • Ye loan hai, sahayata nahi — rakam byaj sahit wapas karni hoti hai; seema bank aapki zameen, fasal aur chukta-kshamta ke aaklan se tay karta hai
  • Byaj-chhoot sirf tay seema (vartaman MISS note ke anusaar ₹3 lakh) tak aur sirf samay par chukta karne par milti hai — der karne par 3% protsahan chhoot nahi milegi
  • Sirf pashupalan/matsya ke liye liye gaye loan par byaj-laabh May 2025 ke Cabinet note ke anusaar ₹2 lakh tak ke loan par hi seemit hai

Patrata ke niyam samay-samay par badal sakte hain. Awedan se pehle apni sthiti official portal par confirm zaroor karein.

Kaunse documents chahiye

Apply kaise karein — step by step

  1. Form leinKCC ka saral ek-prishth form sabhi banko ki website, PM-KISAN portal (pmkisan.gov.in) aur Krishi Vibhag se milta hai. CSC ko bhi form bhar kar bank shakha ko bhejne ke liye adhikrit kiya gaya hai.
  2. Zameen ke kagaz ke saath bank shakha me deinForm ke saath zameen ke kagazon ki prati aur boi fasal ki jankari dein. KCC vyaavsayik bank, kshetriya gramin bank aur sahkari bank — teeno se milta hai.
  3. Bank seema tay karta haiBank fasal ke Scale of Finance aur aapki zameen ke aadhar par drawing limit tay karta hai. ₹2 lakh tak ka loan bina koi girvi (collateral-free) diya jata hai (1 Jan 2025 se lagu seema, PIB ke anusaar).
  4. Card se paisa nikalein aur samay par chuktayeinKCC revolving credit hai — zaroorat par nikalein, fasal bikne par wapas karein. Samay par chukta karne par 3% prompt repayment protsahan milta hai, jisse prabhavi byaj 4% reh jata hai.

Status / kist kaise check karein

  1. Bank shakha / passbookLoan ki seema, katauti aur byaj ka vivaran apni bank shakha aur passbook/app se milega — KCC ka koi alag kendriya status portal nahi hai.
  2. CSC sahayataForm bharne ya sthiti jaanne me CSC se sahayata li ja sakti hai; antim nirnay aapke bank ka hota hai.
Thagi se bachein: Awedan bilkul muft hai. Koi vyakti naam jodne ya kist jaldi dilane ke paise mange, OTP mange, to turant mana karein aur helpline ya najdeeki police se shikayat karein. Apply hamesha sirf official portal (pmkisan.gov.in) se karein.

Aksar puche jaane wale sawal (FAQ)

Kisan Credit Card par kitna loan milta hai?

Seema aapki zameen, fasal aur Scale of Finance se bank tay karta hai. Byaj-chhoot wali seema: Budget 2025-26 me KCC seema ₹3 lakh se badhakar ₹5 lakh karne ki ghoshna hui thi, lekin May 2025 ke MISS Cabinet note me byaj-chhoot ab bhi ₹3 lakh tak ke loan par darj hai. Is takraav ke karan apne bank se vartaman lagu seema confirm karein — is page par ₹5 lakh ko bina shart lagu nahi bataya gaya hai.

KCC par byaj kitna lagta hai?

₹3 lakh tak ke alpavadhi krishi loan par byaj dar 7% hai. Samay par chukta karne par 3% prompt repayment protsahan milta hai, jisse prabhavi byaj sirf 4% reh jata hai (PIB/Cabinet note, May 2025).

Kya bataidar ya kirayedar kisan KCC le sakta hai?

Haan. Kirayedar kisan, maukhik patta-dharak aur bataidar bhi patr hain, aur inke SHG/JLG samuh bhi KCC le sakte hain (PIB ke anusaar).

Pashupalan ya machhli-palan ke liye bhi KCC milta hai kya?

Haan, KCC me fasal ke alawa pashupalan, dairy aur matsya jaise sambaddh kaamon ki karyasheel poonji bhi shamil hai. Lekin sirf inhi kaamon ke loan par byaj-laabh May 2025 ke Cabinet note ke anusaar ₹2 lakh tak seemit hai.

KCC aur PM-Kisan me kya sambandh hai?

Dono alag yojanaen hain — PM-Kisan se ₹6,000/saal sahayata milti hai, KCC se loan. PM-KISAN labharthio ke liye KCC form saral hai, kyunki unki mool jankari PM-KISAN record se pehle se bhari milti hai.

KCC kitne samay ke liye valid hota hai?

Prachlit vyavastha me KCC ki vaidhata 5 saal tak ki hoti hai aur ye revolving credit ki tarah chalta hai. Dhyaan dein: RBI ke 2026 ke naye disha-nirdeshon ke anusaar 1 Jan 2027 se naye KCC loan par 6 saal ki avadhi wala naya dhacha lagu hoga — apna loan lete samay bank se vartaman niyam confirm karein.

Jankari ke srot (Sources)

Koi jankari purani ya galat lage to Contact page par batayein — official source se verify karke turant sudhara jayega.

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Kisan Credit Card (KCC) — WhatsApp share poster

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