Kisan Credit Card KCC 2026 Guide – ₹3 Lakh at 4% Interest, Apply Process Marathi

What is this Scheme?

This page provides a complete Marathi guide to the Kisan Credit Card KCC 2026 scheme. Use the Setkari Karjmafi Krushi Yojana app to access all scheme details, daily agri news, YouTube guidance videos, and direct links to official government portals — all in Marathi.

Required Documents

Keep these documents ready before applying:

🪪 Aadhaar Card

📄 7/12 Utara

🏦 Bank Passbook

📷 2 Passport Photos

How to Apply — Step by Step

Download the App

Install Setkari Karjmafi Krushi Yojana app — all scheme guides in Marathi.

Select the Scheme

Open the relevant scheme card and read full eligibility and document checklist.

Tap "अर्ज करा"

The official government portal opens directly in the app — safe and verified.

Complete Application

Fill the form, upload documents, and submit. Keep the receipt number safely.

Track Status

Check application status and payment status anytime from within the app.

KCC 2026 Key Highlights

Feature	Details
Maximum Credit Limit	₹3,00,000
Interest Rate (effective)	4% per annum (after subvention)
Repayment Period	12 months (revolving credit)
ATM Access	Yes — Rupay KCC debit card
Eligible Farmers	All farmers, fishers, livestock workers
Processing Time	14 working days
2026 Target	4 crore new KCC cards

💡 Pro Tip: PM-KISAN beneficiaries get priority for KCC processing. If you are already enrolled in PM-KISAN, mention this at your bank — your KCC application will be fast-tracked.

Frequently Asked Questions

What is the interest rate on KCC loan? +

The effective interest rate on KCC is only 4% per annum after government interest subvention of 2%. Without subvention it is 7%, but eligible farmers who repay on time get 3% additional rebate, making the effective rate just 4%.

How to apply for Kisan Credit Card? +

Visit your nearest SBI, Punjab National Bank, Bank of India, or cooperative bank. Fill the KCC application form. Submit Aadhaar, 7/12 land record, 2 passport photos, and bank account details. KCC is issued within 14 working days. PM-KISAN beneficiaries get priority processing.

Can fishermen and livestock farmers get KCC? +

Yes! Since 2020, the KCC scheme has been extended to fish farmers, marine fishers, inland fishers, and animal husbandry workers (dairy, poultry). The same 4% interest rate and ₹3 lakh limit applies.

What can I use KCC funds for? +

KCC funds can be used for crop cultivation expenses (seeds, fertilisers, pesticides, labour), post-harvest expenses, maintenance of farm equipment, allied activities including animal husbandry and fisheries, and consumption requirements of the farmer household.

What is the KCC credit limit? +

The KCC limit is based on your land holding, crop pattern, and scale of finance. The maximum limit is ₹3 lakh for short-term credit requirements. For term loans and allied activities, the limit can be higher based on the specific purpose.

Official Portal & Helpline

🌐 Official Website: https://pmkisan.gov.in | 📞 Helpline: 1800-180-1111 (SBI)

Developer: NextInt Inc | Contact: sonawalesvijay@gmail.com | Last updated March 2026
Informational guide only. All applications must be completed on official government websites.

किसान क्रेडिट कार्ड (KCC) 2026 — ४% व्याजात ₹३ लाख कर्ज

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