How does the Kisan Credit Card (KCC) Work?

What is Kisan Credit Card (KCC)?

Kisan Credit Card (KCC) is just like another credit card/ plastic credit card that can be used at ATMs and Points of Sale. Banks issue a passbook with this card detailing card holder's name, address, landholding along with the validity & credit limit of KCC. This will be used to facilitate recording of the transactions on an on-going basis. The beneficiary farmer should produce the passbook while operating the account.

Kisan Credit Card (KCC) entitles cash credit to farmers for crop related expenses like seeds, fertilizers, pesticides, electricity and diesel charges etc. It also offers term credit for various allied expenses like purchase of farm equipments, drip irrigation and land development.