Kisan Credit Card FAQs

Can I use my Kisan Credit Card to withdraw cash from the ATM?

Yes, you can use your Kisan Credit Card to withdraw cash from the ATM till upto the credit limit of the card.

How is the credit limit decided for Kisan Credit Card?

The credit limit is decided on the basis of various factors like the cropping pattern, crops cultivated, operational land holding, land holding pattern, services (repairs of tractors, etc.) and scale of finance.

How many withdrawals can I make using the Kisan Credit Card?

You can make any number of withdrawals using the Kisan Credit Card but maximum upto your credit limit.

Can I use the Kisan Credit Card at merchant Point of Sale (POS) terminals?

Yes, generally banks allow you can use the Kisan Credit Card at merchant POS terminals for the purpose of purchase of seeds, fertilizers, pesticides and other agricultural inputs.

What is the insurance premium for personal accident insurance scheme available with this card?

Normally, the premium towards personal accident insurance is Rs.15/- for 1 year, and Rs.45/- for 3 years tenure.

What is the validity period for Kisan Credit Card?

Usually in many cases, the Kisan Credit Card comes with a validity of 3 to 5 years. The credit limit can be reduced or enhanced or even the card can be cancelled by the bank, based on the performance of the card holder during an annual review.

Can I apply for the Kisan Credit Card online from my bank?

Yes, you can apply for Kisan Credit Card online using the website of the bank, if your bank provides online facility. If your bank provides online facility then you have to fill and submit your application. Then you will receive an acknowledgement from the bank on your registered email id. After processing of your application, you will be issued Kisan credit card along with a passbook.

What type of insurance cover do the Kisan Credit Card (KCC) Holders get?

Kisan Credit Card (KCC) credit holders are covered under personal accident insurance up to Rs. 50,000 for accidental death and permanent disability due to accident and upto Rs. 25,000 for other type of risks.

In what ratio the premium of Personal Accident Insurance is borne by the bank and the card holder?

The Personal Accident insurance premium is borne by both the bank and the card holder in a 2:1 ratio.

What type of credit is provided to the Kisan Credit Card (KCC) Holder?

Kisan Credit Card (KCC) offers two types of credit to the farmers:

  1. Cash Credit
  2. Term Credit (for allied activities such as pump sets, land development, plantation, drip irrigation)
What is NAIS?

NAIS is Crop Insurance scheme. Eligible crops in the notified area will be covered under National Agricultural Insurance Scheme (NAIS).

What is PAIS?

PAIS is an abbreviation for Personal Accident Insurance Scheme. KCC holders have been covered under Personal Accident Insurance Scheme (PAIS) against Personal death or permanent disability upto maximum amount of Rs 50,000 and Rs 25,000 respectively. The premium burden will be shared by the financing Bank and the borrower in the ratio of 2:1 (Bank: Borrower). Premium payable Rs 15/- for a one year policy while Rs 45/- for a 3 year policy.

Who is a Marginal Farmer?

Farmers with landholding of up to 1 hectare are considered as Marginal Farmers under KCC scheme.

What is the Minimum credit limit under Kisan Credit Card (KCC)?

Most of the banks have stipulated minimum credit limit of Rs. 3000.