What are the most common reasons a KCC application gets rejected?

The common reasons KCC applications get returned are mostly about records, not about you being ineligible. Top causes are: land records that do not match your name or show a dispute or joint holding without a no objection from co-owners; Aadhaar and land record names spelled differently; an existing overdue loan or a poor credit history at any bank; incomplete application or missing photos and KYC; and for tenants, no acceptable proof of cultivation. Sometimes the bank cannot verify the land at all because the revenue records are not updated. To fix it, get your land mutation and khatauni updated and in your name, match the name spellings across Aadhaar and land papers, clear or regularise any old overdue, and bring complete KYC. If you are a tenant, get a cultivation certificate or form a Joint Liability Group. Ask the branch in writing for the exact reason for rejection so you address the right point, and if you believe the refusal is wrong you can escalate to the bank's higher office.