Can I take a separate term loan on top of my KCC for a tractor or pump?

Yes. The KCC is mainly a short term working capital line for seasonal crop and household costs, while buying durable assets like a pump, tractor, drip system or building a shed is funded by a separate agriculture term loan repaid over several years. The two can run side by side: your KCC for inputs each season, and a term loan for the equipment. Some banks offer a combined KCC that includes a term loan component within the same card for small investments, but a tractor is usually a stand alone term loan with its own EMI and the tractor itself often kept as security. For pumps and micro irrigation you may also get a subsidy that reduces the loan amount, so ask about that before borrowing. Keep your KCC repayment clean, because a good KCC record makes the term loan easier to get. Ask your branch whether to add it to the KCC or take a separate term loan, and check for any equipment subsidy.