How the KCC Limit Is Worked Out

For crop loans, banks build the Kisan Credit Card limit from the scale of finance - a per-acre cost set every year by your district's technical committee (DLTC) for each crop - multiplied by your cropped area. To that, the standard NABARD model adds about 10% for post-harvest and household needs and about 20% towards farm maintenance and crop insurance. This tool applies that model so you get a realistic first-year estimate; the bank fixes the final figure.

Good to Know

  • Collateral-free up to ₹2 lakh - no land mortgage is needed for limits up to this amount (raised by the RBI in 2025).
  • Effective interest about 4% - roughly 7% base, minus a 3% prompt-repayment incentive when you repay on time.
  • Five-year revolving limit - reviewed and usually stepped up each year.
  • Read the full Kisan Credit Card guide for documents and the step-by-step application.
💡 Note: This is an estimate. The actual limit depends on your district's current scale of finance, your land records and the bank's assessment. Use it to plan, then apply through your bank or a village KCC camp.