pm kisan credit card loan process

PM Kisan Credit Card (KCC) Loan Apply

A large chunk of the Indian economy depends on the agriculture industry. Therefore, the government of India has launched the PM Kisan Credit Card (KCC) loan application procedure to empower the farmer’s community. The system has simple procedures and quick responses considering the status and resources available to farmers.

Want to know the application methods and eligibility criteria for the Scheme and KCC registration procedures? Find detailed answers to your queries about Pm Kisan Credit Card below.

pm kisan credit card loan apply all information

PM Kisan Credit Card (KCC)-Easy Loan Apply

What is PM Kisan Credit Card Loan?

KCC stands for Kisan Credit Card. The scheme is a part of PM Kisan Samman Nidhi Yojana which plays a significant role in supporting the farmers of India. The planned scheme is providing financial assistance of up to 3 lacks to the farmers to meet their needs. Moreover, the ease of access to credits is increasing its effectiveness. The funds are used to enhance agricultural productivity, eventually boosting the industry.

With the collaboration of (RIB) the Reserve Bank of India, and the National Bank for Agriculture and rural development (NABARD), the funds are allocated for the prosperity of Farmers. However, it was initiated back in 1988, but for quick access to loans the KCC was launched in 2019. The aim was to provide financial assistance to small and marginal farmers.

How to Apply for PM Kisan Credit Card Form

Eligibility Criteria

The PM Kisan Credit card registration enables Kisan to apply for loans. However, one needs to meet the eligibility criteria.

  • Indian citizenship
  • Small to Marginal Farmer’s Category
  • Farmers having upto 2 Hecters of land
  • Cultivatable lands (Agriculture Registered Lands)
  • White collar records of Adherence to loan payments

Documents Required to Apply for KCC Registration

The applicant must provide the following documents to get the KCC and loan from the PM Kisan scheme. 

  • Identity proof (Aadhaar card, voter ID, passport, etc.)
  • Address proof (Aadhaar card, utility bills, etc.)
  • Land documents or ownership proof
  • Agricultural income proof
  • Passport-sized photographs
  • Kisan Credit Card application form (available at the Bank)

PM KCC Scheme 2023 Online Application

To apply for a PM Kisan Credit Card (KCC) loan, you can follow these steps:

  • Go to the official website of PM Kisan at
  • Look for the “Farmers Corner” section on the main menu website.
  • Click on “Apply for KCC.”
  • Enter your Aadhaar Number. Enter your 12-digit Aadhaar number in the designated field.
  • After entering your Aadhaar number Submit OTP sent to your registered mobile number
  • Once your Aadhaar is verified, you will be redirected to the KCC loan application form. Fill in all the necessary details accurately. 
  • Upload Required Documents: Along with the application form, you must upload scanned or digital copies of the required documents mentioned above.
  • Review details and click “ Submit.”

How to Apply for PM Kisan Credit Card-Offline Method

Locate Authorized Bank:

Authorized Banks have KCC forms, and you can get the direct form from the Bank. Here is a list of banks authorized for the PM Kisan Credit Cards Scheme. 

  1. State Bank of India (SBI)
  2. Punjab National Bank (PNB)
  3. Bank of Baroda (BOB)
  4. Canara Bank
  5. Union Bank of India
  6. Bank of India (BOI)
  7. Indian Bank
  8. Axis Bank
  9. HDFC Bank
  10. ICICI Bank
  11. IDBI Bank
  12. Kotak Mahindra Bank
  13. Rural Regional Banks (RRBs) such as NABARD, Prathama Bank, etc.
  14. Cooperative Banks

Besides the banks mentioned above, you can also inquire about the nearby banks for the scheme. You can also check the authorized Bank on the official website near your location.

PM Kisan Credit Card Form Submission

You can receive the application form directly from the authorized Bank or download the PDF using the link provided. 

Download KCC Application form

After filling up the form, you can submit the form and the required documents. Ensure all documents follow the specified format to avoid rejections and delays.

Bank Verification and Approval

Relevant Banks will verify and approve the KKC application form and documents the applicants submit. The process includes necessary checks and verification of data provided to the Bank. For instance, the bank authorities may also visit the land to verify income and land details.

PM Kisan Card Status- Sanctioned Loans 

Once the authorities make the necessary checks and find the applicant deserving and eligible for the KCC loan, it issues the credit card. The loan amount will be disbursed to your KCC account. Farmers can withdraw the payment and use it for agricultural activities.

PM Kisan Credit Card Amount

The loan limit is 1.60 lakh to 3 lakhs depending on the land expenditure and crop type. The PM KCC amount limit is also variable in different banks. The interest rate is 7% which is further reduced to 3% for PM Kisan Beneficiaries.

Approval and Disbursement of KCC Loan

After submitting your application, it will be checked by the authorities. Authorities will assess your application, verify the data provided, and performs essential checks. 
You will receive a confirmation if your application is approved. The loan amount will be disbursed to your bank account linked with your Aadhaar number. You will also receive a Kisan Credit Card (KCC) that you can use to withdraw funds or make purchases related to agricultural activitie

The objective of the PM Kisan Credit Card

The scheme’s main objective is to empower the farmers and ease the transaction of funds directly into Kisan’s accounts. It ensures the farmers have direct and instant access to funds. Moreover, it reduces the loopholes of the system and potential fraud. The KCC registration system is quick and accessible for farmers all over India.

PM Kisan Credit Card Status Check

You may check the status of your PM Kisan Credit Card (KCC) loan application form, follow these steps:

  • Open the mentioned official PM Kisan Scheme website.
  • Navigate to the “Farmers Corner” section.
  • Look for the option to check the status of the KCC loan form and click on it.
  • You will have a status-checking page.
  • Enter the details, i.e your reference or application number
  • Click on the “Check Status” or a similar button.
  • After a few seconds, the system will display the status of your KCC loan form.
  • If the status shows as “Approved,” your loan has been sanctioned.
  • If the status shows as “Rejected,” it suggests that there might be incorrect details provided in the form.

Check these important Links below:


PM Kisan Credit Card (KCC) loan is an agricultural welfare loan with minimum interest rates. The loan is allocated to eligible farmers with easy repayments and quick access via the KCC system. PM Kisan beneficiaries can apply for loans ranging from 1.60 lacs to 3 lacs. The scheme aims to improve the farmer’s life and Kisan’s status in India.


You can use it at any ATM of the United Bank of India. It is also accepted at 93 NFS member bank ATMs and their subsidiaries. 

The PM Kisan KCC loan interest rate for PNB and Canara is 7%. But it can vary depending on the bank or financial institution providing the loan. The interest rates are prone to frequent revisions. Additionally, under the PM Kisan scheme, an interest subsidy of 2% per annum for farmers who make regular repayments.

The validity is 5 years, and the loan tenure varies from applicant to applicant.

You can call toll-free numbers 1800115526 or 011-24300606 for further assistance from a direct agent.

You can directly visit the registered bank or check the bank’s online portal. You will also receive a mobile message on your registered mobile number.

If you lost your Kisan Credit Card (KCC), you should immediately report it to the bank or the branch where you have your account. You can also call the bank’s customer care number to report the loss of your KCC card. The bank will then block your card and issue a new one for you.

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