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About Kisan Credit Card

It is a credit card to provide affordable credit for farmers in India. it was started by the Government of India. Reserve bank of India and National bank for Agricultural and Rural Development in 1998-
1999 to help all Indian farmers access timely and adequate credit. 
The Kisan Credit Card allows farmers to have cash credit facilities without going through time consuming bank credit screening processes repeatedly. By Kishan Credit Card provides Repayment can be rescheduled if there is a bad crop seasons and extensions are offered for up to 4 years. As per scale of finance specific to the crop and KCC norms. The interest rate is 7% Simple Interest out of which 3% subsidy is given by Government of India if aggregate credits are more than aggregate debits in a year.
The card is valid for 5 years of which crop loan and working capital components have to be renewed annually. Maximum Limit Rs. 50000 for Rabi Crops. Rs 50000 for all Kharif Crops.Kisan Credit Card Eligibility Individual or Society. Its Repayment period is Kharif 31 January and Rabi is 31 July. Five Collateral Security Charge on land in case loan is above 10000 and two sureties if loan is below 10000.
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