About the Scheme
Kisan Credit Card provides flexible revolving credit to farmers for agricultural inputs, allied activities, and consumption needs. 7.75 crore active KCC accounts (March 2024); ₹9.81 lakh crore outstanding. Budget 2025-26 raised limit from ₹3 lakh to ₹5 lakh under Modified Interest Subvention Scheme (MISS). Extended to fisheries (1.24 lakh KCCs) and animal husbandry (44.40 lakh KCCs).
Target Beneficiaries: 7.75 crore active KCC accounts; ₹9.81 lakh crore outstanding (Mar 2024); 44.40 lakh KCCs for animal husbandry; 1.24 lakh for fisheries
Key Features
- 7.75 crore active KCC accounts; ₹9.81 lakh crore outstanding (Economic Survey 2024-25)
- Interest rate: 7% p.a. on crop loans; 3% interest subvention = effective 4% for timely repayment
- Budget 2025-26: MISS loan limit raised ₹3 lakh → ₹5 lakh; 5.9 crore farmers mapped via Kisan Rin Portal
- Extended to fisheries (₹2 lakh limit; 1.24 lakh KCCs) and animal husbandry (₹2 lakh; 44.40 lakh KCCs)
- Collateral-free up to ₹1.60 lakh; RuPay KCC debit card for ATM/PoS use
- PM-KISAN beneficiaries automatically eligible for KCC
- Coverage: agriculture + allied activities + post-harvest + consumption needs