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Kisan Credit Card — Govt Scheme for UPSC | Vaidra
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Kisan Credit Card

Ministry of FinanceActive — upgraded with digital issuance portals and higher collateral-free limits of ₹2 lakhAgricultural Finance
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About the Scheme

A scheme designed to provide farmers with timely access to credit for their cultivation and other requirements, recently enhanced with digital issuance portals and increased collateral-free lending limits.

Target Beneficiaries: small and marginal farmers

✦Key Features

  • Interest subvention for timely repayment
  • Digital portals for online issuance
  • Increased priority-sector targets for lenders
  • Increased collateral-free credit limits

★Benefits

  • 4% effective interest rate for timely repayment
  • collateral‑free limits increased to ₹2 lakh
  • online issuance through digital portals

Exam Relevance

GS Paper: GS3

Prelims Relevance5%
Mains Relevance5%