Kisan Credit Card (KCC) Limit Calculator
Estimate your KCC loan eligibility for crop cultivation and animal husbandry, and see your projected credit limit for the next 5 years.
Animal Husbandry Details
Limit Breakdown (Year 1)
KCC Limit Projection (5 Years)
Interest Subvention Benefit
Instantly estimate the total credit limit you are eligible for under the government’s Kisan Credit Card (KCC) scheme. This powerful tool helps you calculate your potential loan amount for crop cultivation, animal husbandry, and fisheries, providing a clear financial roadmap for your agricultural needs. By entering just a few details, you can see a detailed breakdown of your first-year limit, a 5-year projection with annual increases, and the significant interest savings you can achieve through timely repayments.
What is the Kisan Credit Card (KCC) Scheme?
The Kisan Credit Card (KCC) scheme is a Government of India initiative designed to ensure farmers have access to timely and affordable credit. It simplifies the loan process, providing a single credit facility for short-term crop cultivation needs and working capital for allied activities like dairy and fisheries. The primary goal is to empower farmers, reduce their dependence on high-interest informal lenders, and help them manage their farm operations efficiently.
How Your KCC Limit is Calculated
Banks follow a standardized formula to determine your KCC limit, ensuring all essential farming expenses are covered. The limit for the first year is calculated by combining the costs of cultivation with other farm-related expenses.
Here is a breakdown of the official calculation method:
| Component | Description |
| A. Cost of Cultivation | The Scale of Finance for your chosen crop (as decided by the District Level Technical Committee) multiplied by the number of acres you cultivate. |
| B. Post-Harvest Expenses | 10% of the Cost of Cultivation (Component A) to cover expenses like storage and marketing. |
| C. Farm Maintenance | 20% of the Cost of Cultivation (Component A) for the upkeep of farm assets and machinery. |
| D. Allied Activities | The working capital required for animal husbandry or fisheries, based on the number and type of animals. |
First Year KCC Limit = A + B + C + D
For the subsequent four years, the limit is automatically increased by 10% each year to account for rising costs and inflation.
The Power of KCC Interest Rates & Subvention
One of the biggest advantages of the KCC scheme is the extremely low effective interest rate, made possible by the government’s Interest Subvention Scheme (ISS).
- Standard Interest Rate: For KCC loans up to ₹3 lakh, the interest rate is capped at 7% per annum.
- Prompt Repayment Incentive (PRI): Farmers who repay their loans on or before the due date receive an additional 3% interest subvention from the government.
- Effective Interest Rate: With the PRI, the actual interest rate you pay comes down to just 4% per annum, one of the most affordable credit rates available.
For loans taken exclusively for animal husbandry or fisheries, this interest benefit applies to limits up to ₹2 lakh.
Who is Eligible for a Kisan Credit Card?
The KCC scheme is designed to be inclusive for the entire farming community. Eligibility includes:
- Individual farmers who are owner-cultivators.
- Tenant farmers, oral lessees, and sharecroppers.
- Self-Help Groups (SHGs) or Joint Liability Groups (JLGs) of farmers.
- Farmers engaged in allied activities like dairy, poultry, and fisheries.
Applicants should generally be between 18 and 75 years old.
Disclaimer: This calculator provides an estimate for informational purposes only. The final KCC limit is at the sole discretion of the sanctioning bank and is based on their internal credit assessment and verification of documents. Please consult your nearest bank branch for official information.
Frequently Asked Questions (FAQs)
What is the validity of a Kisan Credit Card?
A KCC is valid for 5 years. The limit is subject to an annual review by the bank based on your repayment history.
Is collateral required for a KCC loan?
No collateral security is required for KCC limits up to ₹1.60 lakh. For limits above this amount, collateral requirements are at the discretion of the lending bank.
Can I use the KCC to buy a tractor or other large machinery?
The KCC is primarily for short-term working capital needs (like seeds, fertilizers, labor) and smaller farm maintenance. For large capital investments like a tractor, a separate Agri Term Loan is the appropriate product.
What happens if I don’t repay the KCC loan on time?
If you fail to repay the loan by the due date, you will not receive the 3% Prompt Repayment Incentive (PRI). The interest will then be charged at the standard card rate (e.g., 7%), and the bank may also levy penal interest on the overdue amount.
How can I apply for a KCC?
You can apply for a KCC by visiting the nearest branch of any commercial bank, Regional Rural Bank (RRB), or cooperative bank. Many banks now also facilitate online applications through their official websites or mobile apps.