KISAN CREDIT CARD (KCC) SCHEME FOR CROP PRODUCTION

1. Eligibility
- All Farmers – Individuals / Joint borrowers who are owner cultivators
- Tenant Farmers, Oral Lessees & Share Croppers
- Self Help Groups (SHGs) or Joint Liability Groups of Farmers including tenant farmers, share croppers etc
2. Purpose
- Kisan Credit Card Scheme aims at providing adequate and timely credit support from the banking system under a single window to the farmers for their cultivation & other needs as indicated below:
- To meet the short term credit requirements for cultivation of crops
- Post-harvest expenses
- Produce Marketing loan
- Consumption requirements of farmer household
- Working capital for maintenance of farm assets and activities allied to agriculture.
- Investment credit requirement for agriculture and allied activities.
3. Extent of limit
- Need based as per scale of finance subject to maximum ₹10 Crores.
4. Margin
- Production credit = NIL
- Term Loan/investment credit :-
  - Upto Rs. 2,00,000/- – Nil
  - Above Rs.2,00,000/- to Rs. 10 lakh – 10%
  - Above Rs. 10 lakh to Rs. 25 lakh – 15%
  - Above Rs. 25 lakh – 25%
5. Security
- For sanction limit up to Rs. 2,00,000/-
  - Hypothecation of crops/assets created out of bank loan.
- For sanction limit above Rs. 2,00,000/-
  - Primary- Hypothecation of crops and/ or assets created out of bank loan.
  - Collateral- Charge on land as per Agricultural Credit Operations and Miscellaneous Provisions Act of the State concerned/ Mortgage of agricultural land/ SARFAESI compliant immovable property valued at 75% of loan amount for other farmers and 50% of the loan amount for small and marginal farmers.
6. Other features
- KCC account holders can operate the KCC account through Branch, ATM, BC Points, PoS machines with input dealers/ merchants/ mandies.
- Credit balance in the account, if any, will fetch interest at Savings bank rate.
- Coverage under Pradhan Mantri Suraksha Bima Yojana. (Up to 2 lakh of risk coverage only in just Rs. 20/Year)
- You can calculate your eligible loan amount under KCC scheme from this link https://www.pnbindia.in/kcc-eligibility-calculator.aspx

KISAN CREDIT CARD- WORKING CAPITAL FOR ANIMAL HUSBANDRY AND FISHERY SCHEME (KCC AH&F)

1. Purpose
- The KCC facility will meet the short term credit requirements of rearing of animals, birds, fish, shrimp, other aquatic organisms, capture of fish etc.
2. Eligibility
- All Farmers engaged in respective activity – Individuals / Joint Borrowers/ Groups/ Partners/ Share Croppers/ Tenant Farmers, Self Help Groups, Joint Liability Groups and women groups.
3. Activity covered
- Rearing of Fish & aquatic organism
- Rearing of Poultry birds
- Rearing of dairy cattle
- Rearing of sheep/Goat
- Rearing of Pig
- And other allied activities.
4. Extent of limit
- Need based loan on the basis of Scale of Finance as fixed by DLTC (District Level Technical Committee)/ SLTC (State Level Technical Committee) subject to maximum of ₹10 Crores.
5. Margin
- Production credit = NIL
- Term Loan/investment credit :-
  - Upto Rs. 2,00,000/- – Nil
  - Above Rs.2,00,000/- to Rs. 10 lakh – 10%
  - Above Rs. 10 lakh to Rs. 25 lakh – 15%
  - Above Rs. 25 lakh – 25%
6. Security
- For sanction limit up to Rs. 2,00,000/-
  - Hypothecation of crops/assets created out of bank loan.
- For sanction limit above Rs. 2,00,000/-
  - Primary- Hypothecation of crops and/ or assets created out of bank loan.
  - Collateral- Charge on land as per Agricultural Credit Operations and Miscellaneous Provisions Act of the State concerned/ Mortgage of agricultural land/ SARFAESI compliant immovable property valued at 75% of loan amount for other farmers and 50% of the loan amount for small and marginal farmers.
7. Other features
- KCC account holders can operate the KCC account through Branch, ATM, BC Points, PoS machines with input dealers/ merchants/ mandies.
- Credit balance in the account, if any, will fetch interest at Savings bank rate.
- Coverage under Pradhan Mantri Suraksha Bima Yojana. (Up to 2 lakh of risk coverage only in just Rs. 20/Year)