Kisan Credit Card (KCC) scheme meets the financial requirements of farmers at various stages of farming. The scheme aims at providing adequate and timely credit support from the banking system under a single window with flexible and simplified procedure to the farmers for their cultivation and other needs as indicated below:

    i. To meet the short term credit requirements for cultivation of crops;

    ii. Post-harvest expenses;

    iii. Produce marketing loan;

    iv. Consumption requirements of farmer household;

    v. Working capital for maintenance of farm assets and activities allied to agriculture;

    vi. Investment credit requirement for agriculture and allied activities.

 The KCC scheme also provides the facility of ATM enabled RuPay Card, one-time documentation, built-in cost escalation in the limit and any number of drawals within the limit.

The farmers eligible under the KCC scheme include small farmers, marginal farmers, share croppers, oral lessee and tenant farmers. The Self Help Groups (SHGs) or Joint Liability Groups (JLGs) are also eligible for availing benefits under the said scheme.

This was stated by Shri Shiv Pratap Shukla, Minister of State for Finance in written reply to a question in Lok Sabha today.

Kisan Credit Card scheme provides timely, single-window credit support to farmers with ATM-enabled access and flexible drawals. The Kisan Credit Card (KCC) scheme provides adequate and timely credit support through a single-window banking mechanism for short-term cultivation credit, post-harvest expenses, produce marketing loans, household consumption, working capital for farm assets and allied activities, and investment credit; it features one-time documentation, built-in cost escalation, unlimited drawals within the sanctioned limit, ATM-enabled RuPay Cards, and eligibility for small and marginal farmers, sharecroppers, oral lessees, tenant farmers, SHGs and JLGs.