Key facts
What the official sources publish
Every value belongs to this exact product. Expand any fact to inspect its official evidence in place.
Digital facilityDigital Baroda Kisan Credit Card (BKCC) facility is available.View source
Digital Facility available.
- Source
- Bank of Baroda Kisan Credit Card official product page
- Page / section
- Benefits
- Accessed
- 21 Aug 2026
- Confidence
- high
Eligible borrower scopeAll farmers, including tenants and sharecroppers, are eligible for loans under the published BKCC page.View source
All farmers including tenants and share croppers are eligible for loans.
- Source
- Bank of Baroda Kisan Credit Card official product page
- Page / section
- Benefits / Eligibility Criteria
- Accessed
- 21 Aug 2026
- Confidence
- high
Minimum loan amountMinimum loan amount is ₹5,000.View source
Minimum loan amount is Rs. 5,000/-.
- Source
- Bank of Baroda Kisan Credit Card official product page
- Page / section
- Benefits /
- Accessed
- 21 Aug 2026
- Confidence
- high
Facility purposeCredit is available for production credit and investment credit.View source
Credit facility is provided for Production Credit and Investment Credit.
- Source
- Bank of Baroda Kisan Credit Card official product page
- Page / section
- Benefits
- Accessed
- 21 Aug 2026
- Confidence
- high
Subvention-linked crop-loan rateCrop loans up to ₹3 lakh are charged at 7% p.a. subject to the Government of India providing interest subvention; otherwise the applicable rate is One-year MCLR plus Strategic Premium.View source
Loans up to Rs. 3.00 Lakhs will be charged @ 7%p.a, subject to Govt. of India providing Interest Subvention; otherwise applicable rate is One year + Strategic Premium.
- Source
- Bank of Baroda Kisan Credit Card official product page
- Page / section
- Benefits / Rate of Interest
- Accessed
- 21 Aug 2026
- Confidence
- high
Credit-balance interestA credit balance in the KCC account earns interest at the applicable savings-bank rate.View source
Interest at rate on credit balance in account.
- Source
- Bank of Baroda Kisan Credit Card official product page
- Page / section
- Benefits /
- Accessed
- 21 Aug 2026
- Confidence
- high
Crop insuranceCoverage is available under Pradhan Mantri Fasal Bima Yojana.View source
Coverage available under Pradhan Mantri Fasal Bima Yojana.
- Source
- Bank of Baroda Kisan Credit Card official product page
- Page / section
- Benefits
- Accessed
- 21 Aug 2026
- Confidence
- high
Limit validityThe production credit limit is valid for 5 years, subject to annual review.View source
Limit is valid for 5 years.
- Source
- Bank of Baroda Kisan Credit Card official product page
- Page / section
- Benefits / Repayment Period
- Accessed
- 21 Aug 2026
- Confidence
- high
Personal accident coverEligible customers receive free insurance cover of ₹50,000 under the Personal Accident Insurance Scheme.View source
Eligible for free insurance cover of Rs. 50,000/under Personal Accident Insurance Scheme.
- Source
- Bank of Baroda Kisan Credit Card official product page
- Page / section
- Benefits
- Accessed
- 21 Aug 2026
- Confidence
- high
Processing-charge waiverProcessing charges are nil for aggregate loans up to ₹3 lakh.View source
Nil Processing Charges for aggregate loan upto Rs 3.00 Lakhs.
- Source
- Bank of Baroda Kisan Credit Card official product page
- Page / section
- Benefits / Fees & Charges
- Accessed
- 21 Aug 2026
- Confidence
- high
Inspection-charge waiverInspection charges are nil for aggregate loans up to ₹3 lakh.View source
Nil Inspection Charges for aggregate loan upto Rs 3.00 Lakhs.
- Source
- Bank of Baroda Kisan Credit Card official product page
- Page / section
- Benefits / Fees & Charges
- Accessed
- 21 Aug 2026
- Confidence
- high
Cultivation usesThe KCC can fund short-term crop cultivation, including fodder crops.View source
To meet the short term credit requirements for cultivation of crops including fodder crops.
- Source
- Bank of Baroda Kisan Credit Card official product page
- Page / section
- Features
- Accessed
- 21 Aug 2026
- Confidence
- high
Post-harvest useThe KCC can fund post-harvest expenses.View source
Post-harvest expenses.
- Source
- Bank of Baroda Kisan Credit Card official product page
- Page / section
- Features
- Accessed
- 21 Aug 2026
- Confidence
- high
Produce marketing loanThe KCC can fund a produce-marketing loan.View source
Produce marketing loan.
- Source
- Bank of Baroda Kisan Credit Card official product page
- Page / section
- Features
- Accessed
- 21 Aug 2026
- Confidence
- high
Household consumptionThe KCC can meet consumption requirements of the farmer household.View source
Consumption requirements of farmer household.
- Source
- Bank of Baroda Kisan Credit Card official product page
- Page / section
- Features
- Accessed
- 21 Aug 2026
- Confidence
- high
Allied-agriculture working capitalWorking capital is available for maintenance of farm assets and allied activities such as dairy, poultry, fisheries, piggery and sericulture.View source
Working capital for maintenance of farm assets and activities allied to agriculture, like dairy, poultry, fisheries, piggery, sericulture etc.
- Source
- Bank of Baroda Kisan Credit Card official product page
- Page / section
- Features
- Accessed
- 21 Aug 2026
- Confidence
- high
Investment-credit usesInvestment credit may fund farm equipment and machinery such as pump sets, sprinklers or drip irrigation, pipelines, power tillers, tractors, sprayers, milk animals and vehicles for transporting farm produce.View source
Investment credit requirement for agriculture and allied activities like purchase of farm equipment/machinery like pump sets, sprinklers/drip irrigation equipment, pipe line, power tiller, tractor, sprayers, milk animals, vehicles for transportation of farm produce etc.
- Source
- Bank of Baroda Kisan Credit Card official product page
- Page / section
- Features
- Accessed
- 21 Aug 2026
- Confidence
- high
Owner-cultivator eligibilityIndividual or joint borrowers who are owner cultivators are eligible.View source
All farmers – individuals/joint borrowers who are owner cultivators.
- Source
- Bank of Baroda Kisan Credit Card official product page
- Page / section
- Eligibility Criteria
- Accessed
- 21 Aug 2026
- Confidence
- high
Tenant and sharecropper eligibilityTenant farmers, oral lessees and sharecroppers are eligible.View source
Tenant farmers, oral lessees and sharecroppers etc.
- Source
- Bank of Baroda Kisan Credit Card official product page
- Page / section
- Eligibility Criteria
- Accessed
- 21 Aug 2026
- Confidence
- high
SHG/JLG eligibilitySelf Help Groups (SHGs) and Joint Liability Groups (JLGs) of farmers, including tenant farmers and sharecroppers, are eligible.View source
Self Help Groups () or Joint Liability Groups () of farmers including tenant farmers, sharecroppers etc.
- Source
- Bank of Baroda Kisan Credit Card official product page
- Page / section
- Eligibility Criteria
- Accessed
- 21 Aug 2026
- Confidence
- high
Recorded tenant eligibilityRecorded or registered sharecroppers and tenant farmers cultivating crops for at least 5 years are eligible for production credit.View source
Recorded/registered sharecroppers and tenant farmers who are cultivating crops for a period not less than five years in order to meet the production credit needs are also eligible.
- Source
- Bank of Baroda Kisan Credit Card official product page
- Page / section
- Eligibility Criteria
- Accessed
- 21 Aug 2026
- Confidence
- high
Oral-lease eligibilityAn individual oral-lease tenant or sharecropper may receive a KCC with a farm-credit limit up to ₹10,000 if resident in the village continuously for at least 3 years and cultivating land for a reasonably long period, not less than 3 years.View source
Individual tenant farmers/share croppers cultivating crops on oral lease ... resident of the village at least for a period of 3 years continuously ... not less than 3 years ... farm credit limit upto Rs 10000.
- Source
- Bank of Baroda Kisan Credit Card official product page
- Page / section
- Eligibility Criteria
- Accessed
- 21 Aug 2026
- Confidence
- high
Processing charge above ₹3 lakh to ₹10 lakhFor aggregate loans above ₹3 lakh to ₹10 lakh, the page lists ₹250 per lakh or part thereof plus GST.View source
Above Rs 3 to Rs10 Lakhs - Rs 250/- Lakh or part thereof +.
- Source
- Bank of Baroda Kisan Credit Card official product page
- Page / section
- Fees & Charges
- Accessed
- 21 Aug 2026
- Confidence
- high
Processing charge above ₹10 lakhFor aggregate loans above ₹10 lakh, the page lists ₹350 per lakh or part thereof.View source
Above Rs 10 Lacs- Rs 350/lac or part thereof.
- Source
- Bank of Baroda Kisan Credit Card official product page
- Page / section
- Fees & Charges
- Accessed
- 21 Aug 2026
- Confidence
- high
Inspection charge above ₹3 lakh to ₹10 lakhInspection charge is ₹250 for aggregate loans above ₹3 lakh to ₹10 lakh.View source
Above Rs 3 lakhs to Rs 10 Lakhs - Rs 250/-.
- Source
- Bank of Baroda Kisan Credit Card official product page
- Page / section
- Fees & Charges
- Accessed
- 21 Aug 2026
- Confidence
- high
Inspection charge above ₹10 lakh to ₹1 croreInspection charge is ₹500 for aggregate loans above ₹10 lakh to ₹1 crore.View source
Above Rs 10 Lakhs to Rs 1 Crore - Rs 500/-.
- Source
- Bank of Baroda Kisan Credit Card official product page
- Page / section
- Fees & Charges
- Accessed
- 21 Aug 2026
- Confidence
- high
Inspection charge above ₹1 croreInspection charge is ₹1,000 for aggregate loans above ₹1 crore.View source
Above Rs 1 Crore - Rs 1000/-.
- Source
- Bank of Baroda Kisan Credit Card official product page
- Page / section
- Fees & Charges
- Accessed
- 21 Aug 2026
- Confidence
- high
Maximum loan amountThe MITC states that there is no ceiling on the maximum loan amount.View source
Maximum loan amount: No ceiling.
- Source
- Bank of Baroda Kisan Credit Card official product page
- Page / section
- Quantum of Loan
- Accessed
- 21 Aug 2026
- Confidence
- high
Facility natureThe KCC is a revolving cash-credit facility; a credit balance earns savings-bank-rate interest.View source
is the nature of revolving cash credit. If account holder is maintaining credit balance ... interest ... at the rate of Saving Bank Account.
- Source
- Bank of Baroda Kisan Credit Card official product page
- Page / section
- Quantum of Loan
- Accessed
- 21 Aug 2026
- Confidence
- high
Repayment periodProduction credit is a revolving agricultural cash-credit account subject to annual review and valid for 5 years. Investment credit is a demand or term loan repaid quarterly, half-yearly or annually based on the farmer’s income generation.View source
Production line of credit ... revolving agriculture cash credit account subject to annual review valid for 5 years. Investment credit will be DL/TL and repayment period is fixed on a quarterly/ half-yearly or annual basis, based on income generation of the farmer.
- Source
- Bank of Baroda Kisan Credit Card official product page
- Page / section
- Repayment Period
- Accessed
- 21 Aug 2026
- Confidence
- high
Security up to ₹2 lakhFor loans up to ₹2 lakh, security is a demand promissory note and hypothecation of crops grown or assets created from the bank’s finance.View source
For Loans upto 2.00 Lakhs: Note; Hypothecation of crops grown/assets to be created out of bank’s finance.
- Source
- Bank of Baroda Kisan Credit Card official product page
- Page / section
- Security
- Accessed
- 21 Aug 2026
- Confidence
- high
Security above ₹2 lakhFor loans above ₹2 lakh, security is a demand promissory note, hypothecation of crops or financed assets, and equitable or registered mortgage of land or a third-party guarantee.View source
For loans above 2.00 Lakh: Note; Hypothecation ...; Equitable Mortgage /Registered Mortgage of land or Third Party Guarantee.
- Source
- Bank of Baroda Kisan Credit Card official product page
- Page / section
- Security
- Accessed
- 21 Aug 2026
- Confidence
- high
Crop-loan marginMargin is nil for crop loans and short-term loans.View source
Crop Loans/Short Term Loans: Nil.
- Source
- Bank of Baroda Kisan Credit Card official product page
- Page / section
- Margin
- Accessed
- 21 Aug 2026
- Confidence
- high
Term-loan margin up to ₹1 lakhMargin is nil for term loans up to ₹1 lakh.View source
Term Loan: Loan upto Rs 100000- Nil.
- Source
- Bank of Baroda Kisan Credit Card official product page
- Page / section
- Margin
- Accessed
- 21 Aug 2026
- Confidence
- high
Tractor/heavy-machinery marginFor term loans above ₹1 lakh, margin is 25% for tractors and heavy agricultural machinery.View source
Above Rs 100000: Tractor and heavy agri machinery – 25%.
- Source
- Bank of Baroda Kisan Credit Card official product page
- Page / section
- Margin
- Accessed
- 21 Aug 2026
- Confidence
- high
Other term-loan marginFor term loans above ₹1 lakh, margin is 15% for other loans.View source
Above Rs 100000: Others Loan – 15%.
- Source
- Bank of Baroda Kisan Credit Card official product page
- Page / section
- Margin
- Accessed
- 21 Aug 2026
- Confidence
- high
Crop-loan rate up to ₹3 lakhThe fixed crop-loan rate up to ₹3 lakh is 7.00% p.a. when Government of India interest subvention is provided; otherwise One-year MCLR plus Strategic Premium applies.View source
Limit up to 3 Lakhs Crop Loan: 7 .00% p.a. (fixed), subject to Govt. of India providing Interest Subvention ... otherwise ... One year + Strategic Premium.
- Source
- Bank of Baroda Kisan Credit Card official product page
- Page / section
- Rate of Interest
- Accessed
- 21 Aug 2026
- Confidence
- high
Non-crop-loan rateFor loans other than crop loans, the rate is One-year MCLR plus Strategic Premium.View source
Other than Crop Loan: One year + Strategic Premium.
- Source
- Bank of Baroda Kisan Credit Card official product page
- Page / section
- Rate of Interest
- Accessed
- 21 Aug 2026
- Confidence
- high
Rate above ₹3 lakh to ₹25 lakhFor limits above ₹3 lakh to ₹25 lakh, the rate is One-year MCLR plus Strategic Premium plus 1.25%.View source
Limit above 3 Lakhs to 25 Lakhs One year + Strategic Premium+1.25%.
- Source
- Bank of Baroda Kisan Credit Card official product page
- Page / section
- Rate of Interest
- Accessed
- 21 Aug 2026
- Confidence
- high
Rate above ₹25 lakhFor limits above ₹25 lakh, the rate is One-year MCLR plus Strategic Premium plus 2.00%.View source
Limit above 25 Lakhs One year + Strategic Premium+2.00%.
- Source
- Bank of Baroda Kisan Credit Card official product page
- Page / section
- Rate of Interest
- Accessed
- 21 Aug 2026
- Confidence
- high
Legal opinion conditionFor loans above ₹2 lakh where land is mortgaged or a charge is created, a legal opinion from a bank-empanelled advocate is required.View source
Legal opinion from Bank empanelled advocate is required for loans above Rs 2.00 Lakhs, where the land is mortgaged /charge is created.
- Source
- Bank of Baroda Kisan Credit Card official product page
- Page / section
- Other Information
- Accessed
- 21 Aug 2026
- Confidence
- high
Agent disclosureThe bank may use agents for sales and marketing of its products.View source
The Bank may use the services of agents in sales/marketing etc. of its various products.
- Source
- Bank of Baroda Kisan Credit Card official product page
- Page / section
- Other Information
- Accessed
- 21 Aug 2026
- Confidence
- high
Geographic limitsFor the special oral-lease/
The page gives the village-residence condition for the specified applicant group and no other geographic restriction.
- Source
- Baroda Kisan Credit Card — official product page
- Page / section
- Eligibility Criteria
- Accessed
- 29 Aug 2026
- Confidence
- high
Customer typeEligible borrowers include individual or joint owner-cultivators; tenant farmers, oral lessees and sharecroppers; and farmer Self Help Groups (SHGs) or Joint Liability Groups (JLGs), including tenant farmers and sharecroppers.View source
The page names owner-cultivators, tenants, oral lessees, sharecroppers and / farmer groups, and separately states all farmers including tenants and sharecroppers are eligible.
- Source
- Baroda Kisan Credit Card () — current official product page
- Page / section
- Eligibility Criteria; Benefits
- Accessed
- 27 Sept 2026
- Confidence
- high
Turnover / vintageRecorded or registered tenant farmers/
The page states a five-year cultivation condition for recorded/registered tenants and a three-year continuous village-residence plus three-year cultivation condition for oral-lease applicants; it sets that special limit at ₹10,000.
- Source
- Baroda Kisan Credit Card () — current official product page
- Page / section
- Eligibility Criteria
- Accessed
- 27 Sept 2026
- Confidence
- high
Facility amountMinimum loan amount ₹5,000; the MITC states no maximum ceiling.View source
Benefits publishes a minimum of ₹5,000; says the minimum is ₹5,000 and maximum loan amount has no ceiling.
- Source
- Baroda Kisan Credit Card () — current official product page
- Page / section
- Benefits; — Quantum of Loan
- Accessed
- 27 Sept 2026
- Confidence
- high
Interest rateCrop loans up to ₹3 lakh: 7.00% p.a. fixed while Government of India interest subvention is provided; otherwise one-year MCLR + Strategic Premium. Other than crop loans: one-year MCLR + Strategic Premium. Limits above ₹3 lakh to ₹25 lakh: one-year MCLR + Strategic Premium + 1.25%; above ₹25 lakh: one-year MCLR + Strategic Premium + 2.00%.View source
The page separates the subvention-linked crop rate from non-crop pricing and publishes the ₹3–25 lakh and above-₹25-lakh benchmark spreads.
- Source
- Baroda Kisan Credit Card () — current official product page
- Page / section
- — Rate of Interest
- Accessed
- 27 Sept 2026
- Confidence
- high
Tenure and repaymentProduction credit is revolving agricultural cash credit, reviewed annually, and valid for 5 years. Investment credit is a demand/
The page states five-year limit validity, annual review and income-based quarterly/half-yearly/ annual investment-credit repayment.
- Source
- Baroda Kisan Credit Card () — current official product page
- Page / section
- Benefits — Limit validity; — Repayment Period
- Accessed
- 27 Sept 2026
- Confidence
- high
Security and collateralUp to ₹2 lakh: demand promissory note and hypothecation of crops grown or assets created from Bank finance. Above ₹2 lakh: those requirements plus equitable/
The divides the required security at ₹2 lakh and lists a demand promissory note, crop/asset hypothecation and the additional land mortgage or third-party guarantee above the threshold.
- Source
- Baroda Kisan Credit Card () — current official product page
- Page / section
- — Security
- Accessed
- 27 Sept 2026
- Confidence
- high
Processing and inspection chargesProcessing: nil up to aggregate ₹3 lakh; above ₹3 lakh to ₹10 lakh, ₹250 per lakh or part thereof plus GST; above ₹10 lakh, ₹350 per lakh or part thereof. Inspection: nil up to ₹3 lakh; ₹250 above ₹3 lakh to ₹10 lakh; ₹500 above ₹10 lakh to ₹1 crore; ₹1,000 above ₹1 crore.View source
The page lists separate processing and inspection bands, including only on the ₹250-per-lakh processing band.
- Source
- Baroda Kisan Credit Card () — current official product page
- Page / section
- Fees & Charges — Processing Charges; Inspection Charges
- Accessed
- 27 Sept 2026
- Confidence
- high
Required documentsApplication form; two passport-size photographs; one identity proof such as driving licence, Aadhaar, voter identity card or passport; and land-holding details certified by revenue authorities or available through online land records.View source
The current page lists the form, two photographs, one of the named identity proofs, and certified land records.
- Source
- Baroda Kisan Credit Card () — current official product page
- Page / section
- Document Required
- Accessed
- 27 Sept 2026
- Confidence
- high
Minimum age18 yearsView source
states minimum age 18 years.
- Source
- Baroda Kisan Credit Card () — current official product page
- Page / section
- — Age Criteria
- Accessed
- 27 Sept 2026
- Confidence
- high
Benefits and features
- Digital facility
- Crop, post-harvest, marketing, household and allied-agriculture credit
- coverage
- ₹50,000 personal accident cover
- Nil processing and inspection charges up to ₹3 lakh
Eligibility
- Owner cultivators, joint borrowers, tenant farmers, oral lessees, sharecroppers, and may qualify subject to the published criteria.
- Minimum age 18 years.
- Oral-lease applicants may have a farm-credit limit up to ₹10,000 under the page’s residence and cultivation conditions.
Passing a listed condition does not mean the bank will approve an application.
Documents the bank lists
- application form
- photographs
- identity proof
- land records
Related official documents
Loan Application Form for Agricultural Creditofficial-pdf · Full text and visual review complete; general agricultural-term-loan application, not a tractor-specific pricing or security schedule. · accessed 28 Sept 2026
↗Rural & Agri loan catalogue — Financing Irrigation entryofficial-product-catalogue · Targeted eligibility cross-check for Financing Irrigation · accessed 28 Sept 2026
↗Baroda Kisan Credit Card application form — official downloadofficial-pdf · inaccessible · accessed 27 Sept 2026
↗Baroda Kisan Credit Card — official product pageofficial-product-page · current · accessed 29 Aug 2026
↗Baroda Kisan Credit Card (BKCC) — current official product pageofficial-product-page · current · accessed 27 Sept 2026
↗Priority Sector Loans Interest Rates — Farm Credit A.1 schedule and scope footnoteofficial-interest-rate-page · Targeted current A.1 comparison; product-page rate rows remain primary and tariff scope is explicitly qualified · accessed 28 Sept 2026
↗
