Big News for Farmers! KCC Limit Increased, Know How Much Loan You Will Get and How to Apply

KCC Limit Increased from ₹3 Lakh to ₹5 Lakh, Budget 2025, the Modi government has announced a big relief for farmers. Finance Minister Nirmala Sitharaman has declared an increase in the Kisan Credit Card (KCC) limit. Previously, the maximum limit for KCC was ₹3 lakh, which has now been increased to ₹5 lakh. This will allow farmers to access more loans, helping them from crop production to market sales.
This decision by the government will provide relief to farmers as they can now avail loans at lower interest rates under government assistance, instead of falling prey to moneylenders and illegal lenders.

What is Kisan Credit Card (KCC)?

The Kisan Credit Card (KCC) is a government scheme under which farmers can avail loans at low-interest rates for agricultural activities. Farmers can use this loan for seeds, fertilizers, irrigation, pesticides, agricultural equipment, and other needs.

How Will the Increased KCC Limit Benefit Farmers?

• Support for Crop Production: Farmers will receive more funds for seeds, fertilizers, irrigation, and other expenses.
• Lower Interest Rates: Farmers can get loans at lower interest rates.
• Protection from Moneylenders: Farmers will not need to borrow money at high-interest rates from moneylenders.
• Easy Repayment Process: Farmers can easily repay the loan after selling their crops.

How to Apply for Kisan Credit Card (KCC) Through Online Process:

1. Visit the Official Website of the Bank: Go to the official website of the bank where you want to apply for the KCC scheme.

2. Select the Kisan Credit Card (KCC) Option: Choose "Kisan Credit Card" from the available options.

3. Click on "Apply Now": Once you click on "Apply Now," you will be directed to the application page.

4. Fill in the Required Information: Complete the application form by providing the following details:

1. Name
2. Aadhar Card number
3. Bank account number
4. Land documents
5. Crop information

5. Submit the Form: Once you have filled in all the required details, click on the "Submit" button.

6.Get the Application Reference Number: After submission, you will receive an application reference number, which allows you to track your application status.

7.Bank Will Contact You: If eligible, the bank will contact you within 3-4 working days for further process.

Documents Required for KCC Application:

1. Voter ID Card
2. PAN Card
3. Passport
4. Aadhar Card
5. Driving License
6. Land Ownership Documents
7. Crop Information
8. Bank Account Details

What Changes Have Been Made in the KCC Scheme?

• Earlier, farmers could only get loans up to ₹3 lakh, now the limit has been increased to ₹5 lakh.
• Loans will be provided at very low-interest rates.
• Farmers will get relief in case of crop failure or any other disaster.
• Small and marginal farmers will be given priority.

This decision by the government will benefit millions of farmers across the country. Now, farmers can avail loans of up to ₹5 lakh on easier terms, which will fulfill their agricultural needs and increase their income. If you are a farmer and want to take advantage of this scheme, apply for the Kisan Credit Card online or visit your bank branch today!