Is there any processing fee or hidden charge on a KCC?

There can be some charges on a KCC, but for small crop loans the government has pushed banks to waive many of them. For crop loans up to a certain limit, banks have been directed to waive processing, documentation, inspection and ledger folio charges, so a small farmer often pays nothing for these. Above that limit, normal processing and documentation fees may apply. You may also see charges for stamp duty on documents, and for insurance premiums if you opt for cover. What is not legitimate is being asked for any informal payment to get the card; that you should refuse and report. Ask the branch for a written list of charges and check it against the waiver for small loans. The exact waiver limit and fee schedule change, so confirm the current position with your bank, and if you are charged fees that should have been waived, raise it with the branch manager.