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PNB Kisan Credit Card ()

Revolving crop and allied-activity credit for cultivation, post-harvest needs, marketing, household consumption and farm investment. PNB's May 2026 guideline sets a need-based ceiling up to ₹10 crore, with limits assessed by the published scale-of-finance rules.

Interest rateRegular KCC outstanding up to ₹3 lakh: 7.00% p.a. The same current schedule lists agriculture loans up to ₹20 lakh, including irregular KCC, at one-year MCLR +1.25%; it separately lists ₹20–50 lakh at one-year MCLR +2.00% and loans above ₹50 lakh at risk-based pricing. The schedule does not explicitly assign those latter agriculture rows to regular KCC above ₹3 lakh.Credit limitNeed-based against the applicable scale of finance, up to ₹10 crore for crop-production KCC and up to ₹10 crore for the AH&F component. For marginal farmers, PNB also lists a Flexi-KCC range of ₹10,000–₹50,000, subject to landholding, crop and assessed needs.Validity / renewalPNB says KCC/KSY limits are renewed after five years.

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✓ Manually checked 3 Oct 2026 · active

Offered byPunjab National Bank

India

Key facts

What the official sources publish

Every value belongs to this exact product. Expand any fact to inspect its official evidence in place.

Facility typeRevolving crop and allied-activity credit under the Kisan Credit Card scheme.Effective 11 May 2026View source

The current annexure identifies the crop-production and AH&F schemes and describes their limits as revolving credit facilities.

Source: Annexure II — Scheme for Crop Production and AH&F Scheme
Page / section: pages 1–3, scheme names and revolving-credit terms
Accessed: 3 Oct 2026
Confidence: high

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PurposeCrop cultivation; post-harvest expenses; produce marketing; farmer-household consumption; working capital for farm-asset maintenance and allied agriculture; and investment credit for agriculture and allied activities. The linked AH&F component covers working capital for fish, aquatic organisms, poultry, dairy, sheep/goat, pig and other listed allied activity.Effective 11 May 2026View source

PNB separates crop-production uses from short-term working capital for animal-husbandry and fisheries activity in the same current annexure.

Source: Annexure II — Scheme for Crop Production and AH&F Scheme
Page / section: page 1, rows 1–2; pages 2–3, AH&F purpose/activity rows
Accessed: 3 Oct 2026
Confidence: high

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Eligible applicantsCrop KCC: individual/joint owner cultivators, tenant farmers, oral lessees and sharecroppers, plus eligible farmer SHGs/JLGs including tenant farmers and sharecroppers. AH&F KCC: farmers engaged in the activity, including individuals, joint borrowers, groups/partners, sharecroppers/tenant farmers, SHGs, JLGs and women's groups; fishery applicants must meet the scheme's activity and applicable licensing/ownership-or-lease conditions.Effective 11 May 2026View source

Crop production and AH&F have separately stated eligible-person and activity lists; they are not collapsed into one borrower rule.

Source: Annexure II — Scheme for Crop Production and AH&F Scheme
Page / section: page 1, eligibility row; page 2, AH&F eligibility and covered-activity rows
Accessed: 3 Oct 2026
Confidence: high

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Credit limitNeed-based against the applicable scale of finance, up to ₹10 crore for crop-production KCC and up to ₹10 crore for the AH&F component. For marginal farmers, PNB also lists a Flexi-KCC range of ₹10,000–₹50,000, subject to landholding, crop and assessed needs.Effective 11 May 2026View source

Limits are need-based and depend on the scale of finance; the ₹10 crore ceilings are explicitly listed for both components.

Source: Annexure II — Scheme for Crop Production and AH&F Scheme
Page / section: page 1, extent of limit and marginal-farmer Flexi- rows; page 2, AH&F extent row
Accessed: 3 Oct 2026
Confidence: high

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The current table names the 7% band as regular up to ₹3 lakh and calls the next band agriculture loans, including irregular ; no regular- rate is inferred for the unassigned balance band.

Source: PNB Interest Rates on Advances — current and agriculture rates
Page / section: effective 01 October 2026; Agriculture Advances — Regular and other agriculture loan rows
Accessed: 3 Oct 2026
Confidence: high

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MarginProduction credit: nil. Term/investment credit: nil up to ₹2 lakh; 10% above ₹2 lakh to ₹10 lakh; 15% above ₹10 lakh to ₹25 lakh; 25% above ₹25 lakh.Effective 11 May 2026View source

The Annexure II tables give nil production-credit margin and the same amount bands for term/investment credit in both components.

Source: Annexure II — Scheme for Crop Production and AH&F Scheme
Page / section: page 1, crop margin table; page 2, AH&F margin table
Accessed: 3 Oct 2026
Confidence: high

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SecurityUp to ₹2 lakh: hypothecation of crops/assets created from the bank loan. Above ₹2 lakh: primary hypothecation plus the listed land charge or qualifying agricultural/immovable-property mortgage; the property value must be 75% of the loan for other farmers or 50% for small and marginal farmers. The same threshold and valuation bands are published for crop and AH&F KCC.Effective 11 May 2026View source

PNB's current linked annexure moved the threshold from ₹1.6 lakh in the older version to ₹2 lakh; the current bands are used.

Source: Annexure II — Scheme for Crop Production and AH&F Scheme
Page / section: page 1, crop security row; pages 2–3, AH&F security row
Accessed: 3 Oct 2026
Confidence: high

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Processing feeAgriculture-credit schedule effective 15 April 2026: nil up to ₹3 lakh; 0.30% above ₹3 lakh. For KCC/KSY/Krishak Unnati, charge at sanction and then renewal/enhancement; no charge for an in-validity review, and renewal is after five years. PNB also waives the fee for KCCs secured by specified liquid securities and publishes additional SHG/JLG and priority-sector exemptions.Effective 15 Apr 2026View source

The schedule specifically names processing timing and exemptions; the exact exception matrix is retained in the attached table.

Source: PNB Credit Related Service Charges — Agriculture Credit schedule
Page / section: Effective 15 April 2026; sections 12.1.1–12.1.2, including -specific exceptions
Accessed: 3 Oct 2026
Confidence: high

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Accident cover listed with KCCPNB's current KCC guideline lists risk cover up to ₹2 lakh for ₹20 per year under Pradhan Mantri Suraksha Bima Yojana. The annexure does not identify insurer, age band or the detailed covered-event matrix in this feature row.Effective 11 May 2026View source

PNB states a maximum risk cover and annual premium in the feature row; it does not include the scheme policy's full benefit matrix there.

Source: Annexure II — Scheme for Crop Production and AH&F Scheme
Page / section: page 2, account features; page 3, AH&F features
Accessed: 3 Oct 2026
Confidence: high

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Agriculture-credit checklistPNB's general agriculture-credit checklist asks for the completed application form, identity proof, residence proof, two photographs not older than six months, and land-record particulars. PNB does not identify extra KCC-specific documents in this checklist.View source

This is PNB's bank-wide agriculture-credit checklist and is labelled as such; it is not presented as a -specific exhaustive form list.

Source: PNB Agricultural Banking — agriculture-credit document checklist
Page / section: Documents Required for Agriculture Loan
Accessed: 3 Oct 2026
Confidence: high

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Rate benchmarkOne-year MCLR for the published agriculture-loan band up to ₹20 lakh, including irregular KCC. Regular KCC outstanding up to ₹3 lakh is separately 7.00% p.a.; PNB does not assign the other agriculture bands to regular KCC.Effective 1 Oct 2026View source

“Regular —O/S up to Rs. 3 Lakhs: 7.00%”; agriculture loans up to Rs. 20 Lakhs, including irregular , use (1 Yr) +1.25%. The other exposure bands are not assigned to regular .

Source: PNB Interest Rates on Advances — and agriculture rates
Page / section: effective 01 October 2026; Agriculture Advances, rows 1–4
Accessed: 4 Oct 2026
Confidence: high

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Validity / renewalPNB says KCC/KSY limits are renewed after five years.Effective 15 Apr 2026View source

Section 12.1.2(d) states that renewal under /KSY/Krishak Unnati is done after a period of five years.

Source: PNB Credit Related Service Charges — Agriculture Credit schedule
Page / section: Section 12.1.2(d), /KSY renewal after five years
Accessed: 3 Oct 2026
Confidence: high

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Digital application channelsPNB lists its self-owned Digi Dairy KCC journey on the PNB website, PNB ONE for Android and iOS, and Internet Banking. The dedicated portal is digidairykcc.pnb.bank.in.View source

PNB names Digi Dairy as self-owned and lists Website, PNB One App (Android and iOS) and Internet Banking, with the digidairykcc.pnb.bank.in route.

Source: PNB List of Digital Lending Apps — Digi Dairy entry
Page / section: Agriculture digital-lending table, Digi Dairy rows (web lines 592–595)
Accessed: 7 Oct 2026
Confidence: high

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Digi Dairy KCC portal startThe portal is headed “PNB Dairy KCC / Digi Dairy Kisan Credit Card.” Its initial screen displays a Customer ID field, Institute Tie Up and Institute Unique ID fields, and a separate New Customer option. The subsequent dynamic application steps were not available in this review.View source

The official portal heading and visible initial-screen fields are recorded as displayed; no conclusion is drawn about final eligibility, documents or post-login terms.

Source: PNB Digi Dairy application portal
Page / section: Initial portal screen, web lines 2–18
Accessed: 7 Oct 2026
Confidence: high

Open official source ↗

Benefits and features

Crop-production and allied-activity working-capital variants under one facility
Need-based limit up to ₹10 crore in PNB's 11 May 2026 guideline
operations through branches, , business correspondents, PoS and mobile-based channels listed by PNB
Credit balance in the account earns the savings-account rate
PNB's current guideline lists accident cover up to ₹2 lakh for ₹20 per year

Eligibility

Crop-production eligibility includes owner cultivators, tenant farmers, oral lessees, sharecroppers and qualifying farmer /. The separate animal-husbandry/fisheries component covers farmers engaged in the listed activity; its own eligibility and collateral terms are retained in the source table.

Passing a listed condition does not mean the bank will approve an application.

Documents the bank lists

Agriculture-credit application form
Identity proof
Residence proof
Two recent photographs (not older than six months)
Land-record particulars

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Loan repayment estimate

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Amount you want to borrowThe money you would receive from the lender.₹twenty-five lakh rupees₹50,000₹2,00,00,000Yearly interest rateThe percentage charged on the outstanding loan each year.%2%30%Time to repayA longer time usually lowers the monthly payment but raises total interest. months6 months360 months

One monthly payment₹19,382nineteen thousand three hundred eighty-two rupees

Interest paid over the full loan₹21,51,794twenty-one lakh fifty-one thousand seven hundred ninety-four rupees

Everything you repay₹46,51,794forty-six lakh fifty-one thousand seven hundred ninety-four rupees

This is only an estimate, not a bank or insurer offer. The final amount can change because of taxes, fees, rate changes and provider rules.

Use the published table

Find the exact published value

Choose a table, then pick its row and column. This shows the exact entry published by the bank or insurer without making you scan every cell.

TableParameterChoose column

Eligible applicants · Crop-production Owner cultivators; tenant farmers; oral lessees; sharecroppers; farmer /, including tenant farmers and sharecroppers

This value is copied from PNB — crop-production and AH&F guideline matrix. Check the table notes before relying on it.

Source: Annexure II — Scheme for Crop Production and AH&F Scheme · pages 1–3, all scheme rows Open official source ↗

Published tables

Complete rates, limits and schedules

Tables preserve every reviewed row and column from the cited official source.

Table 1 · 10 rows · 3 columnsPNB KCC — crop-production and AH&F guideline matrixTerms from both KCC components in PNB's current linked Annexure II, including the applicant groups, limits, security and account features.View tableHide table

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PNB KCC — crop-production and AH&F guideline matrix
Parameter	Crop-production	Animal-husbandry and fisheries
Eligible applicants	Owner cultivators; tenant farmers; oral lessees; sharecroppers; farmer /, including tenant farmers and sharecroppers	Farmers engaged in the activity; individuals/joint borrowers/groups/partners/sharecroppers/tenant farmers; / and women's groups
Purpose / activity	Cultivation; post-harvest; produce marketing; household consumption; farm-asset maintenance and allied working capital; agriculture/allied investment	Short-term working capital for fish/aquatic organisms, poultry, dairy cattle, sheep/goat, pig and other allied activities
Limit	Need-based by scale of finance; maximum ₹10 crore. Marginal-farmer Flexi-: ₹10,000–₹50,000 based on holding, crops and assessed needs	Need-based by DLTC/SLTC scale of finance; maximum ₹10 crore
Production-credit margin	Nil	Nil
Margin — term/investment credit	Up to ₹2 lakh: nil; above ₹2–10 lakh: 10%; above ₹10–25 lakh: 15%; above ₹25 lakh: 25%	Up to ₹2 lakh: nil; above ₹2–10 lakh: 10%; above ₹10–25 lakh: 15%; above ₹25 lakh: 25%
Security up to ₹2 lakh	Hypothecation of crops/assets created from the bank loan	Hypothecation of crops/assets created from the bank loan
Security above ₹2 lakh	Primary hypothecation plus a listed land charge or qualifying agricultural/immovable-property mortgage; property valued at 75% of loan for other farmers and 50% for small/marginal farmers	Primary hypothecation plus a listed land charge or qualifying agricultural/immovable-property mortgage; property valued at 75% of loan for other farmers and 50% for small/marginal farmers
Account operation	Branch, , business-correspondent points, PoS at input dealers/merchants/mandis; crop component is revolving cash credit with no stated limit on number of debits/credits	Branch, , business-correspondent points and PoS at input dealers/merchants/mandis
Credit balance	Earns PNB savings-account rate	Earns PNB savings-account rate
Accident-cover feature	PNB lists cover up to ₹2 lakh for ₹20/year under Pradhan Mantri Suraksha Bima Yojana	PNB lists cover up to ₹2 lakh for ₹20/year under Pradhan Mantri Suraksha Bima Yojana

The current Annexure II is dated 11 May 2026 and uses ₹2 lakh for its security threshold. Do not reuse the older ₹1.6 lakh threshold from previous guideline versions.
The Annexure's ₹10 crore ceiling is reproduced as published. Individual credit remains scale-of-finance and sanction based.
The Annexure's short insurance feature row does not include age, insurer or detailed claim conditions; these are not inferred here.

Annexure II — Scheme for Crop Production and AH&F Scheme · pages 1–3, all scheme rows · effective 11 May 2026 · accessed 3 Oct 2026Open official source ↗

Table 2 · 5 rows · 2 columnsPNB agriculture lending rates relevant to KCCCurrent rate rows preserved with their own stated applicability; only the regular-KCC row is assigned to regular KCC.View tableHide table

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PNB agriculture lending rates relevant to KCC
Published exposure / account class	Rate
Regular — outstanding up to ₹3 lakh	7.00% p.a.
Agriculture loans up to ₹20 lakh, including irregular	One-year +1.25%
Agriculture loans above ₹20 lakh and up to ₹50 lakh	One-year +2.00%
Agriculture loans above ₹50 lakh	Based on internal and external risk rating, where applicable
One-year effective 01 October 2026	8.80%

The rate sheet does not explicitly assign the agriculture-loan rows to regular above ₹3 lakh. No rate for that regular- band is inferred.
The one-year row is included so the benchmark can be understood; the Krishi Tatkal page itself does not state an tenor.

PNB Interest Rates on Advances — current and agriculture rates · effective 01 October 2026; Agriculture Advances · effective 1 Oct 2026 · accessed 3 Oct 2026Open official source ↗

Table 3 · 16 rows · 2 columnsPNB KCC agriculture-credit charges and conditionsCurrent KCC-relevant fees from PNB's agriculture-credit tariff, preserving conditions and KCC-specific timing rules.View tableHide table

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PNB KCC agriculture-credit charges and conditions
Charge / condition	Published amount or rule
Processing — fresh/renewal/enhancement	Up to ₹3 lakh: nil; above ₹3 lakh: 0.30%
Processing — when charged	At sanction and on renewal/enhancement; renewal after five years; no fee for review during current sanction validity
Processing — -specific waivers	Nil when is against specified liquid securities (// etc.); priority-sector loans up to ₹50,000 have no processing charge; / exceptions apply as separately stated in tariff
ledger folio	Nil
Fresh term-loan upfront fee — up to ₹3 lakh	Nil
Fresh term-loan upfront fee — above ₹3–25 lakh	0.625%
Fresh term-loan upfront fee — above ₹25 lakh–₹1 crore	1.35%, minimum ₹14,000
Fresh term-loan upfront fee — above ₹1–10 crore	A1–A3: 1.05% (minimum ₹1.35 lakh); A4/B1: 1.30% (minimum ₹1.35 lakh); B2 and below: 1.60% (minimum ₹1.35 lakh)
Documentation — up to ₹3 lakh	Nil
Documentation — above ₹3–25 lakh	₹2,500
Documentation — above ₹25 lakh–₹5 crore	₹5,000
Documentation — above ₹5–10 crore	₹10,000
Inspection/supervision — up to ₹5 lakh	Nil
Inspection/supervision — above ₹5 lakh–₹1 crore	₹1,000
Inspection/supervision — above ₹1–5 crore	₹5,000
Inspection/supervision — above ₹5–10 crore	₹10,000; tariff says quarterly, pro-rata

Tariff effective 15 April 2026. Non-fee expenses such as , CERSAI and insurance may be borne separately by the borrower.
The term-loan upfront-fee rows are for the investment/term-loan component only; they are not added to the revolving crop cash-credit component.
The tariff has additional documentation and inspection bands above ₹10 crore, but PNB's linked guideline caps the scheme at ₹10 crore; those higher bands are not shown as charges.
The / exceptions are narrower and member/group-scoped; verify exact borrower constitution at sanction.

PNB Credit Related Service Charges — Agriculture Credit schedule · Sections 12.1–12.4 and -specific conditions · effective 15 Apr 2026 · accessed 3 Oct 2026Open official source ↗

Table 4 · 10 rows · 2 columnsKCC interest-subvention terms — FY 2025–26 (historical)Dated prior-year government scheme conditions; not a current FY 2026–27 offer.View tableHide table

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KCC interest-subvention terms — FY 2025–26 (historical)
Rule	2025–26 published term
Base lending rate and lender subvention	7% farmer lending rate; 1.50% subvention to lending institutions
Prompt repayment incentive	Additional 3% p.a.; document says eligible prompt repayers would obtain short-term crop/allied credit at 4% p.a. during 2025–26, for up to one year
Overall ceiling	₹3 lakh per farmer per annum across short-term crop and allied-activity loans
AH/Fisheries-only ceiling	Maximum ₹2 lakh sublimit for farmers involved only in animal husbandry, dairy, fisheries, beekeeping and related activities
Crop and allied priority	Crop-loan component takes priority; residual limit may support eligible allied activities within the applicable sublimit
Warehouse receipts	Small/marginal farmers: up to six post-harvest months against eligible WDRA-accredited warehouse receipts at the crop-loan rate
Restructuring — natural calamity	Subvention available for the first year on the restructured amount; normal rate thereafter
Restructuring — severe natural calamity	Subvention for the first three years/entire period, maximum five years; prompt-repayment incentive also stated, subject to HLC/IMCT/SC-NEC process
Aadhaar	Aadhaar seeding/authentication and e- are stated as mandatory for benefit
Multiple accounts	Benefits may cover multiple within ₹3 lakh overall; a specific land parcel can receive benefit through only one account, selected under the document's highest-sanctioned-limit rule

The source explicitly applies to 2025–26. Do not display the 4% prompt-repayment rate as current after that financial year without a fresh 2026–27 official source.
This historical table preserves the full eight numbered policy conditions from the two-page PNB in concise row form.

Modified Interest Subvention Scheme for — 2025–26 · pages 1–2, clauses 1–8 · accessed 3 Oct 2026Open official source ↗

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PNB Kisan Credit Card (KCC)

What the official sources publish

Benefits and features

Eligibility

Documents the bank lists

Related official documents

Try the numbers

Loan repayment estimate

Find the exact published value

Complete rates, limits and schedules

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