📱 2 मिनट की वेब स्टोरी में देखें: KCC लोन 2026: प्रति एकड़ कितना मिलेगा, 4% ब्याज कैसे? →
Your KCC loan limit = scale of finance for your crop × your acres, +10% for household needs, +20% for farm repairs, + crop insurance. It rises 10% a year for 5 years. Up to ₹2 lakh needs no collateral, and you pay just 4% if you repay on time.
KCC Loan Limit Calculator
Enter your crops, the bank’s scale of finance and your land. See your Kisan Credit Card limit for 5 years and the interest. कितना KCC लोन मिलेगा, तुरंत देखें।
Free estimate, not approval. Formula from the RBI Master Circular on Kisan Credit Card: scale of finance × area + 10% post-harvest/household + 20% repairs and maintenance + crop insurance, then +10% each year for 5 years. Collateral-free up to ₹2 lakh (RBI, from 1 Jan 2025). Interest 7% on up to ₹3 lakh, 4% if repaid on time (Modified Interest Subvention Scheme). Checked 13 Oct 2026.
Worked example: 2 acres of wheat
A farmer grows wheat on 2 acres and the bank’s scale of finance is ₹30,000 per acre (example figure; yours depends on your district). Crop cost is ₹60,000. Add 10% (₹6,000) and 20% (₹12,000) and a ₹1,200 insurance premium: the year-1 KCC limit is ₹79,200. It grows to about ₹1,15,957 in year 5. Interest for a year on the full amount is about ₹3,168 if repaid on time (4%), against ₹5,544 at 7%.
KCC rules at a glance (checked 13 Oct 2026)
| Rule | Value |
|---|---|
| Limit formula (year 1) | Scale of finance × area + 10% + 20% + crop insurance |
| Years 2 to 5 | +10% each year |
| Term loans (cattle, pump, small equipment) | Added on top to make the maximum permissible limit |
| Collateral-free | Up to ₹2 lakh (from 1 Jan 2025) |
| Interest | 7%; 4% with timely repayment, on up to ₹3 lakh |
| Allied-only farmers (dairy, fish, poultry) | 4% benefit on up to ₹2 lakh |
| Validity | 5 years, yearly review |
Who can get a KCC
- Owner farmers, tenant farmers, oral lessees and sharecroppers
- Self-help groups and joint liability groups of farmers
- Animal husbandry and fisheries farmers (for working capital)
Documents
- Application form and 2 photos
- Aadhaar and PAN (or Form 60)
- Land records or a lease / tenant certificate
- Crop details (sowing plan)
How to apply
- Ask your bank branch (or check the Kisan Rin / JanSamarth portal) for the scale of finance of your crops in your district this year.
- Collect land records (khatauni / 7-12 / patta or a lease / tenant certificate), Aadhaar, PAN or Form 60 and passport photos.
- Fill the one-page KCC form at the bank, CSC or the PM-Kisan linked KCC campaign, listing your crops and area.
- The bank verifies land and crops and sets the limit; up to ₹2 lakh needs no collateral.
- Draw money as you need it (RuPay card, branch or ATM) and repay each crop loan within 12 months to keep the 4% rate.
KCC loan: frequently asked questions
How much KCC loan can I get per acre? Your limit is the scale of finance for your crop × your acres, plus 10% for household and post-harvest needs, 20% for repairs of farm assets and the crop insurance premium. Scale of finance is fixed for each crop by the district committee every year, so the same crop gets a different amount in different districts. Ask your bank for the current figure and put it in the calculator.
KCC loan for 1 bigha: how much? First convert bigha to acres, because a bigha is a different size in each state and even district. Common values: a pucca bigha in Bihar, Rajasthan and much of Uttar Pradesh is about 0.62 acre, a kachha bigha is about 0.4 acre or less, and in Assam a bigha is about 0.33 acre. Check the area in acres or hectares on your land record (khatauni / jamabandi), then enter it in the calculator. For example 3 bigha in Assam is about 1 acre.
What is the KCC interest rate? 7% a year on short-term loans up to ₹3 lakh. If you repay on time, the government gives 3% back (prompt repayment incentive), so you pay 4%. Above ₹3 lakh the bank’s normal rate applies. Budget 2025-26 announced raising the ₹3 lakh limit to ₹5 lakh, but the FY 2025-26 rules still use ₹3 lakh.
Is collateral needed for KCC? No collateral is needed for KCC limits up to ₹2 lakh (raised from ₹1.6 lakh from 1 January 2025). Above that the bank may ask for a land mortgage or other security.
Why does the KCC limit increase every year? Banks add 10% each year for 5 years to cover rising costs. A KCC is valid for 5 years with a yearly review.
Can I get KCC for dairy or fish farming? Yes. Animal husbandry and fisheries farmers can get KCC for working capital. If you only do allied activities, the 4% interest benefit applies on up to ₹2 lakh within the ₹3 lakh total.
Sources: RBI Master Circular on Kisan Credit Card scheme (limit formula, 10% / 20% add-ons, 10% yearly escalation, maximum permissible limit); RBI statement 6 Dec 2024 (collateral-free limit ₹2 lakh from 1 Jan 2025); PIB on Modified Interest Subvention Scheme FY 2025-26 (7%, 1.5% subvention, 3% prompt repayment incentive, ₹3 lakh, ₹2 lakh for allied-only) and Budget 2025-26 announcement of ₹5 lakh. Estimate, not approval. Checked 13 Oct 2026.
More free tools: Dairy farm loan · Fish farming subsidy · NLM goat / poultry subsidy · PMFME food processing subsidy · All tools · Polyhouse subsidy · Drip irrigation subsidy · PM-KUSUM solar pump · PM किसान पात्रता · PM किसान लाभार्थी सूची · KCC लोन