Kisan Credit Card 2027 KCC Kaise Banta Hai, Apply Online, Form Download, Status Check and Uttarakhand Details

Every season, a farmer needs money before the crop is ready: for seeds, fertiliser, diesel, labour and sometimes for a sick animal. When that money comes from a local moneylender, the interest can eat half the profit. The Kisan Credit Card (KCC) exists so that farmers can borrow from a bank at a very low interest rate, as and when they need it.

Here is the part most farmers do not know: if you repay on time, the effective interest on a KCC crop loan can be as low as 4% a year.

This page explains KCC kaise banta hai, how to apply online and offline, where to download the form, how to do a status check online, the latest 2026 limits, and the special Uttarakhand interest-free option.

Written by: Prabhash, content creator and web developer, sahiyojana.com
Last updated: 9 October 2026
Checked against: PIB release “Kisan Credit Card: Fueling Growth in Agriculture” (11 March 2026), Uttarakhand Cooperative Department scheme details, and official PM-KISAN information

Kisan Credit Card at a Glance

Kisan Credit Card Yojana Kab Shuru Hui? (When Did It Start?)

How Cheap Is a KCC Loan?

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xychart-beta
    title "KCC crop loan interest (% per year)"
    x-axis ["Normal KCC rate", "After timely repayment"]
    y-axis "Interest %" 0 --> 8
    bar [7, 4]

In simple words: The bank charges about 7%, but if you repay on time, the government gives you 3% back, so your real cost is about 4%. Repaying late means you lose this benefit, so plan your repayment around your harvest.

Who Can Get a Kisan Credit Card?

• Farmers who own land, alone or jointly.
• Tenant farmers, oral lessees and sharecroppers.
• Self-help groups (SHGs) and joint liability groups (JLGs) of farmers.
• Farmers in animal husbandry (dairy, poultry, goat rearing) and fisheries.
• Usually, age 18 to 75 years (banks may ask for a co-borrower above a certain age).

If you get PM Kisan: Your details are already with the government, so getting a KCC is easier. The KCC form on the PM Kisan portal is short and partly pre-filled.

Documents for Kisan Credit Card

Kisan Credit Card Kaise Banta Hai? (How Is a KCC Made?)

flowchart TD
    S1["Download one-page KCC form from pmkisan.gov.in or bank"] --> S2["Fill crop, land and bank details"]
    S2 --> S3["Submit at your bank branch or through CSC"]
    S3 --> S4["Bank checks land and crop details"]
    S4 --> S5["Loan limit fixed and sanctioned"]
    S5 --> S6["KCC account opened and RuPay card given"]
    classDef step fill:#fff9c4,stroke:#f9a825,color:#4e342e
    classDef done fill:#c8e6c9,stroke:#2e7d32,color:#1b5e20
    class S1,S2,S3,S4,S5 step
    class S6 done

Method 1: Apply at Your Bank Branch (Most Common)

1. Download the KCC form (see the download section below) or get it at the bank.
2. Fill in your name, Aadhaar, land details, crops and the loan amount you need.
3. Attach land records, ID and photo.
4. Submit it at the bank where you have your PM Kisan / savings account.
5. The bank checks your details and fixes your credit limit (based on your land and crops).
6. Your KCC account is opened, and you get a RuPay KCC card.

Method 2: Kisan Credit Card Apply Online

Many banks let you start the KCC application online.

To open the JanSamarth portal, Click Here.

Method 3: Through a CSC

Visit your nearest CSC with your Aadhaar, land records and bank details. The operator can fill the form and send it to your bank. To find a CSC, Click Here.

Kisan Credit Card Download (Form PDF)

When people search “KCC download”, they usually mean the KCC application form.

1. Open the PM Kisan portal. To open it directly, Click Here.
2. Look for the “Download KCC Form” link on the home page.
3. Download and print the one-page form.
4. Fill it and submit it at your bank.

You can also download the KCC form from your bank’s website (SBI, PNB, Bank of Baroda and others) or from the agriculture ministry website.

Kisan Credit Card Status Check Online

Tip: Always ask for a reference number when you submit the form. Without it, tracking becomes difficult.

Kisan Credit Card Uttarakhand

Farmers in Uttarakhand can get a KCC from any bank, in the same way as other states. Uttarakhand also has its own cooperative scheme:

Deen Dayal Upadhyaya Sahkarita Kisan Kalyan Yojana (Uttarakhand)

How to apply in Uttarakhand: Get the form from your cooperative society or District Cooperative Bank, submit it with photo, Aadhaar, PAN, land certificate, work plan and other details. The block-level committee approves the loan.

KCC Loans for Dairy and Fisheries

Smart Tips Before You Take a KCC

• Borrow only what you need. Your limit is a maximum, not a target.
• Repay on time to keep the effective interest at about 4%.
• Crop insurance under PM Fasal Bima Yojana may be linked to your KCC; ask your bank.
• Renew your KCC every year as the bank asks (usually a simple review).
• Never pay an agent to get a KCC. Applying is free.

Frequently Asked Questions (FAQ)

What is a Kisan Credit Card?

It is a bank credit facility for farmers that lets them borrow money for farming and related work at a low interest rate, with a RuPay card to withdraw money when needed.

Kisan Credit Card yojana kab shuru hui?

The Kisan Credit Card scheme started in 1998.

Kisan credit card kaise banta hai?

Fill the one-page KCC form, attach your Aadhaar, land records and photo, and submit it at your bank or through a CSC. The bank checks your details, fixes your limit and gives you a KCC.

How can I apply for a Kisan Credit Card online?

Use your bank’s website or app, or the JanSamarth portal, to start an online application. A CSC can also send the form digitally to your bank.

Kisan credit card kaise apply karen?

Download the form from pmkisan.gov.in, fill it, attach documents, and submit it at your bank branch. You can also apply online through your bank or JanSamarth.

What is the KCC interest rate in 2026?

About 7% per year on short-term loans up to ₹3 lakh. If you repay on time, you get 3% off, so the effective rate is about 4%.

What is the maximum KCC limit for interest subvention?

The interest subvention limit was raised from ₹3 lakh to ₹5 lakh in 2025-26.

Do I need a guarantee for a KCC?

Loans up to ₹2 lakh are collateral-free (from 1 January 2025). Above that, the bank may ask for security.

How can I do Kisan Credit Card status check online?

Use your bank’s “Track Application” option, JanSamarth (if you applied there), or ask your branch with your reference number.

Where can I download the Kisan Credit Card form?

On the PM Kisan portal (pmkisan.gov.in), on your bank’s website, or at your bank branch.

Can tenant farmers get a KCC?

Yes. Tenant farmers, oral lessees and sharecroppers can get a KCC, as per bank rules.

What is the KCC scheme in Uttarakhand?

You can get a KCC from any bank. Uttarakhand also offers interest-free loans under the Deen Dayal Upadhyaya Sahkarita Kisan Kalyan Yojana through cooperative banks (up to ₹1 lakh for crops and ₹3 lakh for allied work).

Sources

• PIB: “Kisan Credit Card: Fueling Growth in Agriculture” (11 March 2026)
• Public Services Map: Uttarakhand Deen Dayal Upadhyaya Sahkarita Kisan Kalyan Yojana details
• Official PM-KISAN portal (KCC form download)

Disclaimer

sahiyojana.com is not a government website and is not linked with any bank or government department. Interest rates and limits are set by the government and banks and can change. Please confirm the latest details with your bank before you apply. sahiyojana.com is completely free and never asks for any money.

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