How to Apply KCC Loan Online: The Kisan Credit Card (KCC) Loan is a government-backed financial scheme that provides affordable credit to farmers for agricultural and allied activities. With digital banking advancements, farmers can now apply for a KCC loan online from the comfort of their homes without visiting a bank branch.
This guide provides a detailed step-by-step process on how to apply for a KCC loan online, eligibility criteria, required documents, bank-wise online application links, and FAQs to help farmers access credit easily.
What is the Kisan Credit Card (KCC) Loan?
The Kisan Credit Card (KCC) Scheme, introduced by the Government of India in 1998, enables farmers to get short-term loans at subsidized interest rates. The main benefits of KCC loans include:
Low-interest rates (as low as 4% after subsidy). Flexible repayment terms linked to crop cycles. Loan amount up to ₹3 lakh without collateral. Insurance coverage under PMFBY (Pradhan Mantri Fasal Bima Yojana).
With the digitization of banking services, farmers can now apply for KCC loans online through government portals or individual bank websites.
How to Apply for a KCC Loan Online? (Step-by-Step Process)
Step 1: Choose a Bank for KCC Loan Application
Farmers can apply for a KCC loan online through:
Public Sector Banks (SBI, PNB, Bank of Baroda, etc.) Private Banks (HDFC, ICICI, Axis Bank, etc.) Regional Rural Banks (RRBs) and Cooperative Banks
Step 2: Visit the Official Bank Website or Government Portal
Most banks provide an online application facility for KCC loans. Farmers can also apply through the PM-Kisan Portal for KCC integration.
Popular Online Application Links:
- SBI KCC Loan: https://sbi.co.in
- PNB KCC Loan: https://www.pnbindia.in
- Bank of Baroda KCC Loan: https://www.bankofbaroda.in
- HDFC KCC Loan: https://www.hdfcbank.com
- ICICI KCC Loan: https://www.icicibank.com
- PM-Kisan KCC Portal: https://pmkisan.gov.in
Step 3: Fill Out the Online Application Form
The online form requires basic details, including: Personal Information (Name, Aadhaar Number, Mobile Number) Bank Account Details Land Ownership Details (for loan calculation) Income & Crop Details
Step 4: Upload Required Documents
Farmers must upload scanned copies of the following documents:
Aadhaar Card & PAN Card Land Ownership Proof (RTC, Patta, or Lease Agreement for tenant farmers) Bank Passbook & Account Details Passport-size Photograph
Step 5: Submit the Application & Verification Process
After submitting the form, the bank will verify the details and check credit eligibility. A bank official may contact the applicant for further KYC verification. Loan approval is generally completed within 7-15 days.
Step 6: Receive the KCC & Access Funds
Once approved, the KCC will be issued digitally or via a physical card. Farmers can withdraw funds via ATM, Cheque, or Bank Branch.
KCC Loan Interest Rate Chart 2025
| Loan Amount | Base Interest Rate | Effective Interest Rate (After 3% Subsidy) |
|---|---|---|
| Up to ₹3 lakh | 7% per annum | 4% per annum (after 3% subsidy) |
| ₹3 lakh – ₹5 lakh | 8% – 10% per annum | Varies by bank |
| Above ₹5 lakh | 9% – 12% per annum | No subsidy on higher amounts |
Timely Repayment Benefit: Farmers who repay on time get a 3% interest subsidy, reducing the interest rate to 4% per annum for loans up to ₹3 lakh.
Eligibility Criteria for KCC Loan Online
Individual farmers, tenant farmers, sharecroppers, and self-help groups (SHGs) engaged in farming. Minimum age: 18 years; Maximum age: 75 years (co-borrower required if above 60 years). Must have cultivable land or a lease agreement. Existing PM-Kisan beneficiaries can apply directly for KCC integration.
Required Documents for KCC Loan Application Online
Mandatory Documents: Aadhaar Card & PAN Card Bank Passbook & Account Number Land Ownership Proof (RTC, Land Deed, Lease Agreement) Passport-size Photograph
Additional Documents (If Required): Income Certificate Previous Loan Repayment Record (if applicable)
Important Links for KCC Loan Application
Apply for KCC Online via SBI: https://sbi.co.in/web/agri-rural/agriculture-banking/kisan-credit-card PM-Kisan Portal for KCC: https://pmkisan.gov.in NABARD Guidelines for KCC: https://www.nabard.org
Best KCC Loan Options Based on Your Needs (2025)
To help you choose the best Kisan Credit Card (KCC) loan, here’s a personalized breakdown based on different farming needs:
Best for Lowest Interest Rates (4% After Subsidy)
State Bank of India (SBI) Punjab National Bank (PNB) Regional Rural Banks (RRBs)
Interest Rate: 7% per annum (4% after a 3% government subsidy) Loan Amount Without Collateral: Up to ₹1.6 lakh Processing Fee: ₹0 for loans up to ₹3 lakh Best For: Small & marginal farmers looking for affordable loans
Apply Online: SBI KCC Loan PNB KCC Loan
Best for Fastest Approval & Online Process
HDFC Bank ICICI Bank Axis Bank
Interest Rate: 8% – 11% per annum Loan Amount Without Collateral: Up to ₹1.5 lakh Processing Time: Fast approval (within 7 days) Best For: Farmers who need a quick loan without long paperwork
Apply Online: HDFC KCC Loan ICICI KCC Loan
Best for High Loan Amounts (Above ₹3 Lakh)
Bank of Baroda (BOB) ICICI Bank Axis Bank
Interest Rate: 9% – 12% per annum Loan Amount: ₹3 lakh – ₹10 lakh (collateral required above ₹3 lakh) Processing Fee: 0.5% – 1% of the loan amount Best For: Large-scale farmers or agribusinesses needing higher loan amounts
Apply Online: Bank of Baroda KCC Loan
Best for Small & Marginal Farmers (Flexible Terms)
Regional Rural Banks (RRBs) Cooperative Banks
Interest Rate: 7% – 9% per annum (4% after subsidy) Loan Amount Without Collateral: Up to ₹1.6 lakh Processing Fee: No fee for small farmers Best For: Farmers with small landholdings or low income
Apply via Local RRBs & Co-operative Banks
Best for PM-Kisan Beneficiaries (Easy Integration)
PM-Kisan KCC Loan (Any Bank)
Exclusive for PM-Kisan Registered Farmers Easiest Online Application Fast Processing with Minimal Documentation Best For: Farmers who are already receiving PM-Kisan benefits
Apply Online: PM-Kisan KCC Application
Final Recommendation: Best KCC Loan for You
If you need the lowest interest rate: SBI, PNB, or RRBs If you need fast approval: HDFC, ICICI, or Axis Bank If you need a high loan amount: Bank of Baroda or ICICI If you are a small farmer with flexible needs: RRBs & Cooperative Banks If you are a PM-Kisan beneficiary: Apply via PM-Kisan KCC Portal
Would you like help filling out an online KCC loan application? Let me know! 
Frequently Asked Questions (FAQs)
1. Can I apply for a KCC loan online without visiting the bank?
Yes, most banks allow online KCC applications, but KYC verification may require a visit or video verification.
2. How long does it take for a KCC loan to get approved? Generally, 7-15 days, depending on the bank’s processing time.
3. Is collateral required for a KCC loan? No collateral is required for loans up to ₹1.6 lakh, but higher amounts may require land or security.
4. What happens if I don’t repay my KCC loan on time? Penalty charges apply, and the interest rate increases by 2%-3%. Farmers also lose the 3% interest subsidy benefit.
5. Can I check my KCC loan application status online? Yes, banks provide an online tracking option on their official portals.
Conclusion
Applying for a KCC loan online in 2025 is a simple and quick process that helps farmers access low-interest agricultural credit without the hassle of visiting bank branches. By following the step-by-step guide above, farmers can apply for a Kisan Credit Card loan from major banks like SBI, PNB, ICICI, HDFC, and regional banks.
For more details & to apply online, visit: PM-Kisan KCC Application SBI KCC Loan Application