How to renew my KCC every year and what is the review process?

A KCC is usually sanctioned for five years but the limit is reviewed every year, so you have an annual review and a fuller renewal at the end of the term. For the cheap interest and to keep the account regular, you should clear the amount you drew within the year, normally before the due date that matches your crop cycle. Many farmers repay the full outstanding once after harvest and then draw again for the next season; this keeps the account in order and protects the subsidised rate. At the annual review the bank checks that the account has been operated, that drawings were repaid on time, and may step up your limit by around 10 percent for cost inflation. At the five-year renewal they take fresh land records and updated KYC. You do not always need a brand new application, but you do need a clean repayment record. Exact review and renewal practice differs between banks, so ask your branch what they need and when your due date falls.