Can a KCC be issued jointly to a husband and wife or in a woman farmer's name?

Yes. A woman who owns land or is a recorded cultivator can get a KCC in her own name, and banks are encouraged to lend to women farmers. Where land is jointly held by husband and wife, a joint KCC is possible, with both as co-borrowers, and the limit is assessed on the combined holding and crops. If only your wife's name is on part of the land, she can apply for that land in her own name, and you for yours, or you can apply jointly for the combined area. A woman farmer with her own KCC also builds her own credit record and can access women specific schemes. The land record must clearly show her name as owner or co-owner for her to qualify on ownership; if she is a tenant, the tenant route applies. Documents and joint-account rules vary by bank, so confirm with your branch how they handle a joint KCC and what records they need for each name.