KCC Loan Calculator 2025
Calculate your Kisan Credit Card loan amount, interest, and repayment details
About Kisan Credit Card (KCC)
Eligibility Criteria
- Farmers (individual/joint borrowers)
- Tenant farmers and sharecroppers
- Self Help Group members
- Age: 18-75 years
Loan Features
- Credit limit based on land holding
- Flexible repayment options
- Interest subvention available
- No processing fee for loans up to ₹3 lakhs
Interest Benefits
- 7% interest rate for prompt repayment
- Additional 3% subvention (effective 4%)
- 2% additional subvention for prompt repayment
- Effective rate can be as low as 2%
Required Documents
- Land ownership documents
- Identity proof (Aadhaar/Voter ID)
- Address proof
- Income proof/crop details
Frequently Asked Questions
What is the maximum loan amount under KCC?
The loan amount depends on the scale of finance for crops and land holding. For crop loans, it's typically calculated as cost of cultivation plus 10% for incidental expenses plus consumption needs.
What is the repayment period for KCC loans?
For crop loans, the repayment period is typically 12 months. For investment credit, it can extend up to 5 years depending on the purpose and crop cycle.
Can I get interest subvention on KCC loans?
Yes, the government provides interest subvention of 3% on crop loans up to ₹3 lakhs. Additional 2% subvention is available for prompt repayment, making the effective rate as low as 2%.