How to Apply for a Kisan Credit Card (KCC)
Published: November 12, 2026
Source: www.finmandi.com
Get short-term credit for seeds, fertiliser and farming costs through a Kisan Credit Card from your bank.
Before you start
- Keep your Aadhaar card and PAN card ready — the bank will ask for identity proof first.
- Keep your land records ready, such as your khatauni or khasra papers. These matter most: the bank checks your land or cultivation proof before anything else, so find them before you go to the bank.
- Know this first: you can start the application at a bank branch, on the PM Kisan portal, or on the JanSamarth portal — but the bank still verifies your documents, so keep the originals ready even if you apply online.
Check that you can apply
A Kisan Credit Card is for farmers who need short-term credit for farming — seeds, fertiliser, equipment and other crop costs. Owner farmers, tenant farmers, sharecroppers and farmers doing allied work such as animal husbandry can apply, through banks such as public sector banks, regional rural banks and cooperative banks.
Before you apply, check that you farm land or do allied farming work, and that your name appears correctly in your records. If your name is spelled differently on your Aadhaar, PAN and land papers, get it corrected first — mismatched names are one of the most common reasons applications get delayed.
Gather your documents
Collect these papers before you go anywhere: your Aadhaar card for identity and address, your PAN card, two recent passport-size photographs, your land records such as the khatauni or khasra papers, and a note of the crops you grow. If you are a tenant farmer or sharecropper, also carry your cultivation proof, such as a certificate from the village head or revenue office.
Check your land records carefully — they must show your name and the correct land details. If your PAN is not yet linked with Aadhaar, link PAN card with Aadhaar first, because the bank checks your identity details across these documents. Keep the originals and a photocopy of each paper in one folder.
Apply at the bank or online
You can apply in three ways. The simplest is to visit your bank branch — the bank where you already have an account is usually best, because your KYC may already be done there. Ask at the counter for the Kisan Credit Card form, fill it in with your personal, land and crop details, attach your documents and submit it.
You can also apply online: on the PM Kisan portal, look in Farmers Corner for the KCC application option, or on the JanSamarth portal, look under the agriculture section for the Kisan Credit Card. Fill in the same details online and upload your documents. Whichever way you apply, take the acknowledgement or receipt the bank gives you and keep it safe — it is your proof of application.
Wait for verification, then use the card carefully
After you apply, the bank checks your documents and verifies your land records and crop details. This takes time, and the bank may call you or ask for one more paper — respond quickly so your file does not stall. If the bank approves, it issues the card linked to your account and tells you the credit limit and terms.
When you receive the card, read the terms the bank gives you — the credit limit, the interest rate and the repayment schedule — because these are set by the bank and can change. Use the card only for farming needs, keep track of what you borrow, and repay on time so the facility stays active and your record stays clean for renewal.
Tips
- Apply at the bank where you already have an account — your KYC is often already done there, so the process is faster.
- Get your land records corrected at the revenue office before applying, not after. Most delays and rejections start with outdated land papers.
- Keep a photocopy of everything you submit, plus the acknowledgement receipt, until the card is in your hand.
Keep in mind
- Never pay an agent to get a Kisan Credit Card. Apply at the bank branch or through the official portals yourself — any person demanding money to arrange a card is not genuine.
- Never share your OTP, bank PIN or card details with anyone during the application. The bank never asks for these on a call or message.
- The credit limit, interest rate and repayment terms are decided by the bank and can change. Confirm the current terms with your bank or on the official portal before you sign anything — do not trust figures quoted by an agent or a forwarded message.
- The card is credit, not free money. Borrow only what you need for farming and repay on time, because late repayment affects your record and your next application.
FAQs
I farm on rented land. Can I still get a Kisan Credit Card?
Yes. Tenant farmers and sharecroppers can apply, but the bank will ask for proof of cultivation, such as a certificate from the village head or revenue office, or a lease document. Ask your bank which proof it accepts before you apply, because this differs from place to place.
Why do KCC applications get rejected?
The most common reason is land records that are not updated or not in the applicant's name. Check that your khatauni shows your name and the correct land details before applying. Other common reasons are mismatched names across Aadhaar, PAN and land records, or an incomplete form. Correct the record first, then apply again.
How much money can I get on a Kisan Credit Card?
The bank decides the credit limit from your land, the crops you grow and your repayment record. The exact limit, interest rate and terms are set by the bank and can change, so confirm the current figures with your bank or on the official portal before you apply — do not trust a limit quoted by an agent.
My application has been pending for a long time. What should I do?
Ask the bank for the status of your application and whether any document is still missing. Keep the acknowledgement or receipt you received when you applied — it helps the bank find your file. If the bank says your land records need correction, get them corrected at the revenue office and inform the bank.
