Introduction
For millions of farmers across India, timely access to credit can make all the difference between a successful harvest and financial struggle. To make this easier, the State Bank of India (SBI) offers the Kisan Credit Card (KCC) Loan — a flexible, affordable, and government-backed credit scheme designed specifically to support the farming community.
In this blog, we’ll explore what the SBI KCC Loan is, its benefits, eligibility, interest rates, and the step-by-step process to apply for it.
What is the KCC Loan?
The Kisan Credit Card (KCC) Loan is a special type of loan introduced by the Government of India and offered by banks like SBI to provide short-term credit to farmers for their agricultural needs.
It allows farmers to access funds for:
Buying seeds, fertilizers, and pesticides
Maintaining and repairing farm equipment
Meeting household or post-harvest expenses
Purchasing livestock or related agricultural activities
The loan works like a revolving credit card — farmers can withdraw money when needed and repay it after the harvest season.
Key Features of the SBI KCC Loan
Here are the major highlights of the SBI Kisan Credit Card Loan:
✅ Loan Limit:
Up to ₹3 lakh (depending on the farmer’s landholding and crop pattern).
✅ Interest Rate:
Starting from 4% per annum (after government subsidy and timely repayment rebate).
✅ Repayment Period:
Generally between 12 months to 5 years, depending on crop type and repayment capacity.
✅ Collateral-Free Loan:
Up to ₹1.6 lakh can be availed without any collateral security.
✅ Insurance Coverage:
Crops insured under the Pradhan Mantri Fasal Bima Yojana (PMFBY) for protection against natural calamities.
✅ Flexible Withdrawals:
Farmers can withdraw cash multiple times within the credit limit using the Kisan Credit Card.
Benefits of KCC Loan with SBI
Easy Access to Credit: Farmers can meet their seasonal financial needs without lengthy paperwork.
Low-Interest Rates: Enjoy subsidized interest under government schemes.
No Need for Multiple Loans: One KCC covers all agricultural and allied activities.
Insurance and Safety: Ensures protection of crops and farmer’s income.
Digital Convenience: KCC can be linked with SBI’s YONO Krishi app for balance check, transactions, and account management.
Eligibility Criteria
To apply for an SBI KCC Loan, you must:
Be an Indian citizen engaged in agriculture or allied activities (dairy, poultry, fisheries, etc.)
Be an owner-cultivator, tenant farmer, or sharecropper
Be aged between 18 and 75 years (with a co-applicant if above 60 years)
Documents Required
You’ll need to provide:
Proof of Identity: Aadhaar Card, PAN Card, or Voter ID
Proof of Address: Aadhaar, Electricity Bill, or Ration Card
Land Ownership Documents or lease agreement
Passport-size photographs
Bank account statement (if applicable)
How to Apply for SBI KCC Loan
Option 1: Apply Online
Visit the SBI KCC Loan Portal.
Fill in the online KCC application form with your personal and farming details.
Upload the required documents.
Submit the form and wait for SBI’s verification and approval.
Option 2: Apply Offline
Visit your nearest SBI branch with the necessary documents.
Request the KCC Loan application form.
Fill it and submit it along with land and identity proof.
The bank will inspect your farm details before approving the loan.
Interest Subsidy and Government Support
Under the Interest Subvention Scheme (ISS):
Farmers who repay their loan on time receive a 3% interest rebate.
This makes the effective interest rate as low as 4% per annum.
Additionally, the Central Government and NABARD ensure smooth operation and transparency in the KCC system.
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