Phone 1800-123-6230 | 1800-833-1004
Net Banking Net Bank
About
About Us
Board of Directors
Supervisory Authority Chart
Photo Gallery
| Contact
Accessibility Menu

Kisan Credit Card (KCC)

Home Loans KCC Loan

Empowering Farmers

Cultivate
Success With
Kisan Credit Card (KCC)

Access timely, hassle-free credit for your agricultural needs. KCC provides farmers with flexible, short-term credit to meet crop cultivation expenses and working capital requirements at highly subsidized rates.

Explore Benefits
Dots
KCC Loan

Why choose
our KCC Loan?

A lifeline for farmers, ensuring you never have to compromise on crop quality or harvesting cycles.

Interest Subvention (ISS)

Gain an additional 3% interest subvention for prompt repayment. This brings your effective interest rate down to just 4% per annum on short-term crop loans up to ₹5 lakhs!

Flexible Repayments

Repayment schedules are perfectly aligned with the harvesting and marketing cycles of your crops, allowing maximum convenience and zero seasonal stress.

Comprehensive Coverage

Beyond seeds and fertilizers, the limit covers post-harvest expenses, produce marketing loans, maintenance of farm assets, and structural consumption requirements.

Who CanApply?

  • All Farmers (Individuals, Joint Borrowers) who are owner cultivators.
  • Tenant Farmers, Oral Lessees, and universally recognized Sharecroppers.
  • Self Help Groups (SHGs) or Joint Liability Groups (JLGs) spanning farmers.

CollateralStructure

We proudly offer completely collateral-free agricultural loans up to ₹1.60 lakhs to ensure smooth operations without the burden of pledging major assets.

For limits exceeding this threshold, structural hypothecation of crops or a land mortgage may be requested strictly according to RBI/NABARD guidelines.

Ensure a speedy disbursal by assembling your core agrarian and identification documents before visiting your MRB branch.

MandatoryChecklist

  • ID Proof:Aadhaar Card, Voter ID, PAN Card, or Passport.
  • Address Proof:Recent Electricity Bill, Aadhaar, Details from the Gram Panchayat.
  • Agricultural Documents:Valid Land Ownership Records (Parcha/Patta) showcasing acreage.
  • Cropping Pattern:Details of crops grown, area cultivated, and expected yields.
  • Photographs:2 recent passport-size color photographs.

Apply for your KCC today!

Unlock essential farming capital with our highly subsidized interest rates and flexible seasonal repayments. Connect with us now.

Contact a Branch Read our FAQs