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Kisan Credit Card ()

A revolving cash-credit limit for farmers, assessed from crop pattern, acreage and the District Level Technical Committee's Scale of Finance. states no minimum or maximum ceiling; repayment follows the crop and marketing cycle, with a five-year limit validity and annual review.

Limit amountNeed-based; SBI states no minimum or maximum ceiling. The limit is assessed from cropping pattern, acreage and the Scale of Finance set by the District Level Technical Committee.Interest rateUp to ₹3 lakh: 7% p.a. subject to Government of India interest subvention; Aadhaar details are mandatory where applicable. Above ₹3 lakh and below ₹50 lakh: 1-year MCLR +3.25% (11.95% p.a. by arithmetic using SBI's 8.70% 1-year MCLR effective 15 September 2026). ₹50 lakh and above: Credit Risk Assessment rating based. SBI separately lists a 3% p.a. Prompt Repayment Incentive up to ₹3 lakh; do not subtract it again from the quoted 7% rate.Eligible borrower typesIndividual owner-cultivators and joint borrowers; tenant farmers, oral lessees and sharecroppers; farmer SHGs or JLGs, including tenant farmers and sharecroppers.
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Quick eligibility check

Kisan Credit Card ()

0 of 9 answered

Answer what you know. This guide compares your answers with the criteria published for this product; it is not an approval decision. Your answers stay on this device.

1Do you meet this requirement: Individual owner-cultivators and joint borrowers?

Published source: Eligible borrower types

2Do you meet this requirement: tenant farmers, oral lessees and sharecroppers?

Published source: Eligible borrower types

3Are you this type of customer: farmer SHGs or JLGs, including tenant farmers and sharecroppers?

Published source: Eligible borrower types

4Are you this type of customer: Available to owner-cultivator individuals or joint borrowers, tenant farmers, oral lessees, sharecroppers, and farmer SHGs/JLGs?

Published source: Eligibility criteria

5Do you meet this requirement: Application form?

Published source: Documents listed by SBI

6Document checkDo you have this required document or proof: Completed application form?

Published source: Documents listed by SBI

7Document checkDo you have this required document or proof: Two passport-size photographs?

Published source: Documents listed by SBI

8Document checkDo you have this required document or proof: Proof of landholding certified by the revenue authorities?

Published source: Documents listed by SBI

9Document checkDo you have this required document or proof: Cropping pattern, including crops grown and acreage?

Published source: Documents listed by SBI
0 of 9 answeredAnswer the remaining questions to see your checklist result.
✓ Manually checked 25 Sept 2026 · active
SBI Kisan Credit Card campaign artwork showing KCC review through YONO
Offered byState Bank of India

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.

FacilityRevolving cash-credit account. Any credit balance earns SBI's savings-bank rate.Effective 5 Feb 2026View source
Type of Facility: revolving cash-credit account; credit balance, if any, earns interest at savings-bank rate.
Source
Kisan Credit Card — Agri & Rural
Page / section
Features: Type of Facility; complete details, lines 505–520
Accessed
25 Sept 2026
Confidence
high
Open official source ↗
Limit amountNeed-based; SBI states no minimum or maximum ceiling. The limit is assessed from cropping pattern, acreage and the Scale of Finance set by the District Level Technical Committee.Effective 5 Feb 2026View source
says the amount is need-based on cropping pattern, acreage and DLTC Scale of Finance; the states that minimum loan and maximum loan have no ceiling.
Source
Kisan Credit Card — Agri & Rural
Page / section
Features: Quantum of Loan; 2, lines 507 and 561–564
Accessed
25 Sept 2026
Confidence
high
Open official source ↗
Interest rateUp to ₹3 lakh: 7% p.a. subject to Government of India interest subvention; Aadhaar details are mandatory where applicable. Above ₹3 lakh and below ₹50 lakh: 1-year MCLR +3.25% (11.95% p.a. by arithmetic using SBI's 8.70% 1-year MCLR effective 15 September 2026). ₹50 lakh and above: Credit Risk Assessment rating based. SBI separately lists a 3% p.a. Prompt Repayment Incentive up to ₹3 lakh; do not subtract it again from the quoted 7% rate.Effective 15 Sept 2026View source
The page publishes 7% p.a. up to ₹3 lakh subject to GoI subvention, 3.25% above 1-Year above ₹3 lakh and below ₹50 lakh, and CRA pricing from ₹50 lakh. The 15 September rate sheet's row 40 names MC-Revised at 1-Year +3.25%; its page 1 benchmark is 8.70%. 11.95% is a transparent sum, not a separately printed rate.
Source
Kisan Credit Card — Agri & Rural; cross-checked against the September agriculture rate sheet
Page / section
Interest Rate and Interest Subvention, lines 514 and 534–538; rate-sheet page 1 benchmark and page 4 row 40
Accessed
25 Sept 2026
Confidence
high
Open official source ↗
Limit validity and repaymentLimit validity: 5 years, with a 10% annual limit increase subject to annual review. Repayment follows the crop period (short- or long-duration) and the crop's marketing period.Effective 5 Feb 2026View source
states repayment follows the short/long crop period and marketing period; tenure is five years with 10% annual limit increase subject to annual review.
Source
Kisan Credit Card — Agri & Rural
Page / section
Features: Repayment and Other, lines 510 and 515–517
Accessed
25 Sept 2026
Confidence
high
Open official source ↗
Eligible borrower typesIndividual owner-cultivators and joint borrowers; tenant farmers, oral lessees and sharecroppers; farmer SHGs or JLGs, including tenant farmers and sharecroppers.Effective 5 Feb 2026View source
names owner-cultivator individual/joint borrowers; tenant farmers, oral lessees and sharecroppers; and farmer / including tenants and sharecroppers.
Source
Kisan Credit Card — Agri & Rural
Page / section
Eligibility, lines 521–525
Accessed
25 Sept 2026
Confidence
high
Open official source ↗
Eligibility criteriaAvailable to owner-cultivator individuals or joint borrowers, tenant farmers, oral lessees, sharecroppers, and farmer SHGs/JLGs.Effective 5 Feb 2026View source
The complete published eligibility section names the eligible farmer/applicant types. The limit is separately determined from crop pattern, acreage and district Scale of Finance.
Source
Kisan Credit Card — Agri & Rural
Page / section
Eligibility and complete current page review, lines 487–569
Accessed
25 Sept 2026
Confidence
high
Open official source ↗
Primary and collateral securityPrimary security: hypothecation of crops grown and assets created from bank finance. Collateral: equitable or registered mortgage of land/immovable property, as applicable, equal to 100% of the loan value. Collateral is waived for KCC limits up to ₹2 lakh, and up to ₹3 lakh where a tie-up arrangement applies.Effective 5 Feb 2026View source
The page specifies crop/financed-asset hypothecation, mortgage collateral equal to 100% of the loan as applicable, and waivers up to ₹2 lakh or ₹3 lakh under a tie-up arrangement.
Source
Kisan Credit Card — Agri & Rural
Page / section
Features: Security, lines 511–513
Accessed
25 Sept 2026
Confidence
high
Open official source ↗
Processing feeUp to ₹3 lakh: nil. Above ₹3 lakh to ₹50 lakh: 0.65% of the loan limit. Above ₹50 lakh: 0.50%–1.00% of the loan limit, based on CRA rating. SBI says charges may change.Effective 5 Feb 2026View source
publishes nil up to ₹3 lakh; 0.65% above ₹3 lakh to ₹50 lakh; and CRA-based 0.50%–1.00% above ₹50 lakh, each calculated on the loan limit. The page says terms may change.
Source
Kisan Credit Card — Agri & Rural
Page / section
Processing fee, lines 539–545
Accessed
25 Sept 2026
Confidence
high
Open official source ↗
Documents listed by SBIApplication form; two passport-size photographs; landholding proof certified by revenue authorities; crop pattern and acreage; security documents above the applicable ₹2 lakh/₹3 lakh collateral-waiver threshold; and any other document required at sanction.Effective 5 Feb 2026View source
lists an application, two photos, certified landholding proof, cropping pattern with acreage, threshold-dependent security documents and any other document as per sanction.
Source
Kisan Credit Card — Agri & Rural
Page / section
Documents Required, lines 526–533
Accessed
25 Sept 2026
Confidence
high
Open official source ↗
MarketIndiaEffective 5 Feb 2026View source
published page title identifies the Kisan Credit Card as an online product in India.
Source
Kisan Credit Card — Agri & Rural
Page / section
Official page title: Apply for Kisan Credit Card Online in India
Accessed
25 Sept 2026
Confidence
high
Open official source ↗
MarginNilEffective 5 Feb 2026View source
The feature list states: Margin: Nil.
Source
Kisan Credit Card — Agri & Rural
Page / section
Features: Margin, line 508
Accessed
25 Sept 2026
Confidence
high
Open official source ↗
MoratoriumNot applicableEffective 5 Feb 2026View source
The feature list states: Moratorium: .
Source
Kisan Credit Card — Agri & Rural
Page / section
Features: Moratorium, line 509
Accessed
25 Sept 2026
Confidence
high
Open official source ↗
Insurance conditionsSBI says eligible crops may receive PMFBY cover after premium payment and asks borrowers to opt for personal-accident and health cover where applicable. The linked PM-KISAN form offers optional auto-debit consent for PMSBY and PMJJBY; neither is stated as a free or automatic KCC benefit. Their current terms are shown separately below.Effective 5 Feb 2026View source
conditions crop insurance on eligibility and premium payment, and describes personal-accident/health cover as something borrowers should opt for where applicable. The form's separate / consent checkboxes are optional; current premiums and cover are not the old figures printed on the form.
Source
Kisan Credit Card — Agri & Rural
Page / section
page, Features: Insurance, lines 518–520; -KISAN application page 1, Section C optional scheme consent; current DFS scheme pages
Accessed
25 Sept 2026
Confidence
high
Open official source ↗
KCC review channelKCC review through the YONO app or YONO Branch portal. SBI describes the app journey as contactless and paperless, with a standardized review process and less data entry for the farmer and branch.Effective 5 Feb 2026View source
lists review through the app or Branch portal and describes a contactless/paperless journey, standardization and minimum data entry.
Source
Kisan Credit Card — Agri & Rural
Page / section
Review, lines 546–553
Accessed
25 Sept 2026
Confidence
high
Open official source ↗
Linked debit cardRuPay debit card for eligible KCC borrowers.Effective 5 Feb 2026View source
states that RuPay debit cards are issued for eligible borrowers.
Source
Kisan Credit Card — Agri & Rural
Page / section
Features: Other, RuPay card, line 517
Accessed
25 Sept 2026
Confidence
high
Open official source ↗
Other-bank ATM/ADWM transactionsUnlimited free other-bank ATM/ADWM transactions for KCC accounts, under SBI's current ATM notice.Effective 1 Dec 2025View source
The page-2 exception states that accounts retain unlimited free other-bank transactions; the notice says /ADWM charges are unchanged.
Source
Revision in /ADWM Transaction Service Charges
Page / section
page 2, account exception
Accessed
25 Sept 2026
Confidence
high
Open official source ↗

Benefits and features

  • Need-based crop finance; states there is no minimum or maximum ceiling.
  • Five-year limit validity, with a 10% annual limit increase subject to review.
  • Eligible borrowers receive a RuPay debit card; current notice gives accounts unlimited free other-bank transactions.
  • Eligible crops may be covered by when the premium is paid; says borrowers should opt for personal-accident and health insurance where applicable.
  • review is available through the app or Branch portal; describes a contactless, paperless app journey and reduced data entry.

Eligibility

  • lists individual owner-cultivators and joint borrowers, tenant farmers, oral lessees, sharecroppers, and farmer / (including tenant farmers and sharecroppers). The page does not set a turnover or business-vintage test.

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

Documents the bank lists

  • Completed application form.
  • Two passport-size photographs.
  • Proof of landholding certified by the revenue authorities.
  • Cropping pattern, including crops grown and acreage.
  • Security documents when the limit is above ₹2 lakh / ₹3 lakh, as applicable to the collateral waiver.
  • Any additional document specified at sanction.

Related official documents

Pradhan Mantri Jeevan Jyoti Bima Yojana — Department of Financial Servicesofficial-government-scheme-page · current · accessed 1 Oct 2026
↗
Pradhan Mantri Suraksha Bima Yojana — Department of Financial Servicesofficial-government-scheme-page · current · accessed 1 Oct 2026
↗
SBI Bouquet of Products & Services — Agriculture: Loan Productsofficial-pdf · current · accessed 4 Sept 2026
↗
SBI Banks Agriculture Products — current official catalogueofficial-product-catalogue · current · accessed 25 Sept 2026
↗
SBI Agriculture Segment Interest Structure as on 15 August 2026official-pdf · current · accessed 6 Sept 2026
↗
Agriculture Business — Interest Rates on Loans & Advances, as on 15 September 2026official-pdf · current · accessed 25 Sept 2026
↗
Revision in ATM/ADWM Transaction Service Chargesofficial-service-charge-notice · current · accessed 25 Sept 2026
↗
SBI Bouquet of Products and Services v3.0 — agriculture loan productsofficial-pdf · historical-reference · accessed 24 Sept 2026
↗
Kisan Credit Card — SBI Agri & Rural official product pageofficial-product-page · current · accessed 25 Sept 2026
↗
SBI Kisan Credit Card Review on YONO — official campaign artworkofficial-product-image · current-product-campaign-image · accessed 25 Sept 2026
↗
Loan Application Form for Agricultural Credit for PM-KISAN Beneficiariesofficial-application-form · current-linked-form-with-legacy-insurance-premiums · accessed 25 Sept 2026
↗

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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

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· Effective / tenorFrom 15 December 2025

This value is copied from Agriculture Business benchmark reference rates. Check the table notes before relying on it.

Source: Agriculture Business — Interest Rates on Loans & Advances, as on 15 September 2026 · page 1; benchmark block repeated on subsequent pages Open official source ↗

Published tables

Complete rates, limits and schedules

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

Table 1 · 8 rows · 3 columnsAgriculture Business benchmark reference ratesView tableHide table

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Agriculture Business benchmark reference rates
ReferenceEffective / tenorRate or formula
From 15 December 20257.90% + +
Overnight, as on 15 September 20267.85%
One month, as on 15 September 20267.85%
Three months, as on 15 September 20268.25%
Six months, as on 15 September 20268.60%
One year, as on 15 September 20268.70%
Two years, as on 15 September 20268.75%
Three years, as on 15 September 20268.80%
Agriculture Business — Interest Rates on Loans & Advances, as on 15 September 2026 · page 1; benchmark block repeated on subsequent pages · effective 15 Sept 2026 · accessed 25 Sept 2026Open official source ↗
Table 2 · 51 rows · 6 columnsSBI Agriculture Business — complete product-code rate table (all 51 rows)View tableHide table

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SBI Agriculture Business — complete product-code rate table (all 51 rows)
Product owner departmentSr. no.Product code descriptionBenchmark and tenorSpread as printed (%)Remarks as printed / faithfully transcribed
ICGL1MC-ATL KUSUM Component B&C1 Year 3.5
ICGL2EB-TL-AGR- FME SCHEME*2Loans below ₹50 lakh: + 200 bps; loans ₹50 lakh and above: CRA-based pricing
ICGL3EB-TL-AGR- SCHEME*2For borrowers: + 200; for non- borrowers below ₹50 lakh: 1-year + 200 bps; ₹50 lakh and above: 1-year linked to CRA
ICGL4MC-ATL Agri Infra Fund loan6M 1Up to ₹2 crore: 9.00% fixed
ICGL5MC-New Tractor Loan Scheme1 Year 4.35Rate linked to collateral: nil collateral, +4.35%; collateral ≥50% and <100% of loan value, +4.00%; collateral ≥100%, +3.60% over 1-year
ICGL6MC-ATL-Combine Harvester1 Year 3.51Y + 350 bps
ICGL7CC-WCL(AGRI)-T BILL LINKEDFixed rate07.25%
ICGL8MC-ATL KUSUM Component A1 Year 1.75CRA-based pricing; uses -based pricing; non- uses -based pricing
ICGL9MC-ATL KUSUM Component C (FLS) / 1 Year 0CRA-based pricing; uses -based pricing; non- uses -based pricing
ICGL10MPGL - Agri1 Year 0
ICGL11MPGL-Allied Activity1 Year 0
ICGL12MC-ATL Horti -Arunachal ABY1 Year 3.60Up to ₹25 lakh: 1Y + 360 bps
ICGL13MC-ATL Horticulture - Nur1 Year 3.60Up to ₹50 lakh: 1Y + 360 bps; ₹50 lakh and above: CRA-based pricing
ICGL14MC-ATL Sheep -Goat - Pig1 Year 3.60Up to ₹50 lakh: 1Y + 360 bps; ₹50 lakh and above: CRA-based pricing
ICGL15MC-ATL POULTRY-PROCESSING1 Year 2.00Up to ₹50 lakh: 1Y + 360 bps; ₹50 lakh and above: CRA-based pricing. Spread column says 2.00% while remark says 3.60%; source conflict retained.
ICGL16MC-ATL Fishing Processing1 Year 3.60Up to ₹50 lakh: 1Y + 360 bps; ₹50 lakh and above: CRA-based pricing
ICGL17MC-ATL Other AGL Finance1 Year 3.60Up to ₹50 lakh: 1Y + 360 bps; ₹50 lakh and above: CRA-based pricing. Row does not name ABAL.
ICGL18MC-ATL DAIRY-PROCESSING1 Year 3.60Up to ₹50 lakh: 1Y + 360 bps; ₹50 lakh and above: CRA-based pricing
ICGL19MCATLDAIRY-PROC-CORP TIE1 Year 0.40Up to ₹50 lakh: 1Y + 40 bps; ₹50 lakh and above: CRA-based pricing
ICGL20MC-ATL Const. of Cold Storage1 Year 2.00Up to ₹50 lakh: 1Y + 200 bps; ₹50 lakh and above: CRA-based pricing
ICGL21MC-ATL-POLY HOUSE1 Year 2Below ₹50 lakh: 1-year + 200 bps; above ₹50 lakh: CRA-based pricing
ICGL22ACC Allied Processing Activity1 Year 2.75Up to ₹10 lakh: 1-year + 275 bps; above ₹10 lakh to ₹50 lakh: +200 bps; above ₹50 lakh: CRA-based pricing
ICGL23EB-ACC-Agri & Food Enterprises Loan2Up to ₹50 lakh: + 200 bps; ₹50 lakh and above: CRA-based pricing
ICGL24EB-TL-Agri & Food Enterprises Loan2Up to ₹50 lakh: + 200 bps; ₹50 lakh and above: CRA-based pricing
CROP25MC-CC-FIN HARVEST & TRANSPORT1 Year 3 as per CRA of sugar mills: SB8 & better, + 150 bps; SB9 and worse, + 300 bps
CROP26MC ACC-FF-FARMER RECEIVABLE1 Year 0.7
CROP27MC-ACC-PACS- CROP LOANS1 Year 11Y for PACS giving loans to farmers at subvented rate; for others below ₹50 lakh, +100 bps; ₹50 lakh and above, CRA-based
CROP28MC-ATL-PACSMI-AGRI1 Year 2
CROP29MC-ATL-PACSFM-AGRI1 Year 2
CROP30MC-ATL-PACSHORTI-AGRI1 Year 2
CROP31MC-ATL-PACS---ALIED1 Year 2
CROP32MC-ATL-PACS ALLIED AGRI1 Year 2
CROP33 Gold Loan1 Year 3.25Up to ₹3 lakh: 7% applicable under interest-subvention scheme
CROP34WHR-DL-AGRO- FOOD- PROC0.65e-NWR: 6 months +25 bps; 12 months +50 bps. Warehouse receipt by collateral manager: 6 months +40 bps; 12 months +65 bps
CROP35WHR-DL-AGRI- OTHERS0.65e-NWR: 6 months +25 bps; 12 months +50 bps. Warehouse receipt by collateral manager: 6 months +40 bps; 12 months +65 bps
CROP36MC-DL-PMLeNWRs-6M6M 0Up to ₹3 lakh: 7% applicable under interest-subvention scheme
CROP37MC-DL-PML-CMWHRs-12M1 Year 0.15
CROP38MC-DL-PML-CMWHRs-6M6M 0.15
CROP39MC-DL-PML-CMWHRs-12M1 Year 0.3
CROP40MC-Revised 1 Year 3.25Up to ₹3 lakh: 7% under subvention; below ₹50 lakh: 1Y +325 bps; ₹50 lakh and above: CRA-based pricing
CROP41MC--Animal Husbandry & Fish1 Year 3.25SB1–SB5: 1Y +300 bps; SB6–SB10: +400 bps; SB11–SB15: +600 bps. Up to ₹2 lakh: 7% applicable under subvention
CROP42-Arunachal Pradesh AKY1 Year 3.25Below ₹50 lakh: 1Y +325 bps; up to ₹3 lakh: 7% applicable under subvention
CROP43CNVSN TO ATL SEV CALA1 Year 3.25Below ₹50 lakh: 1Y +325 bps; ₹50 lakh and above: CRA-based pricing
CROP44MC-ATL--CNVRSN LOAN1 Year 3.25Below ₹50 lakh: 1Y +325 bps; ₹50 lakh and above: CRA-based pricing
CROP45Kisan Samriddhi Rin (KSR)1 Year 1.8Below ₹50 lakh: 1Y +180 bps. ₹50 lakh and above: SB1–SB2 +100 bps, SB3–SB6 +150 bps, SB7–SB10 +200 bps. Outstanding up to ₹3 lakh: 7%; ₹3–5 lakh: 1Y ; ₹5–10 lakh: 1Y +1.40%; above ₹10 lakh: 1Y +1.20%
46MC- ACC- NRLM- -TIERED1 Year TieredOutstanding up to ₹3 lakh: 7%; ₹3–5 lakh: 1Y ; ₹5–10 lakh: 1Y +1.40%; above ₹10 lakh: 1Y +1.20%
47MC -ATL - NRLM - -TIERED1 Year TieredOutstanding up to ₹3 lakh: 7%; ₹3–5 lakh: 1Y ; ₹5–10 lakh: 1Y +1.40%; above ₹10 lakh: 1Y +1.20%
48MC- ACC- GEN -1 Year 51-year +500 bps
49MC-ATL- GEN- 1 Year 51-year +500 bps
50Svayam Siddha Activities2.5 +250 bps
51Svayam Siddha Agri Activities1 Year 31-year +300 bps
  • This is the complete shared source table, not a -only table; the row is CROP 40. Other product rows remain visible as printed for source-table completeness, not as -specific offers.
  • The shared source transcription retains the printed source conflicts in other product rows; those rows must not be assigned to .
  • The 2023 agriculture booklet's short/long crop-month values are not promoted as current: the current page states repayment follows crop period and marketing period.
Agriculture Business — Interest Rates on Loans & Advances, as on 15 September 2026 · pages 1–6; all 51 product-code rows, repeated benchmark headers and page-break continuation; is page 4, row 40 · effective 15 Sept 2026 · accessed 25 Sept 2026Open official source ↗
Table 3 · 12 rows · 2 columnsKisan Credit Card — published features and conditionsView tableHide table

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Kisan Credit Card — published features and conditions
Feature-published term
FacilityRevolving cash-credit account; positive account balance earns savings-bank rate
Limit assessmentNeed-based on cropping pattern, acreage and DLTC Scale of Finance; no minimum or maximum ceiling
MarginNil
MoratoriumNot applicable
RepaymentCrop period (short/long) and crop marketing period
Primary securityHypothecation of crops grown and assets created from bank finance
CollateralEquitable/registered mortgage of land or immovable property, as applicable, equal to 100% of loan value
Collateral waiverUp to ₹2 lakh; up to ₹3 lakh for a tie-up arrangement
Tenure / reviewFive-year validity; 10% annual limit increase subject to annual review
InsuranceEligible crops may be covered under on premium payment; borrower should opt for personal-accident/health insurance where applicable
Linked cardRuPay debit card for eligible borrowers
Review route app or Branch portal; contactless/paperless app journey and standardized review
Kisan Credit Card — Agri & Rural · Complete current product page, features, eligibility, documents and review, lines 502–553 · effective 5 Feb 2026 · accessed 25 Sept 2026Open official source ↗
Table 4 · 4 rows · 3 columnsKCC interest rates — amount bands and conditionsView tableHide table

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KCC interest rates — amount bands and conditions
LimitPublished rate / pricingCondition / benchmark
Up to ₹3 lakh7% p.a.Subject to GoI interest subvention; Aadhaar details mandatory where applicable
Above ₹3 lakh and below ₹50 lakh1-year +3.25%As of 15 September 2026, 1-year is 8.70%; 11.95% is arithmetic, not a separate quoted rate
₹50 lakh and aboveCRA-basedCredit Risk Assessment rating
Up to ₹3 lakh3% p.a. prompt-repayment incentive lists this separately as Prompt Repayment Incentive; do not subtract it twice from 7%
Kisan Credit Card — Agri & Rural · Interest Rate and Interest Subvention, lines 514 and 534–538; 1-year cross-reference: rate-sheet page 1 · effective 15 Sept 2026 · accessed 25 Sept 2026Open official source ↗
Table 5 · 3 rows · 3 columnsKCC processing fee — published limit bandsView tableHide table

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KCC processing fee — published limit bands
Loan limitProcessing feeBasis / condition
Up to ₹3 lakhNil product-page band
Above ₹3 lakh to ₹50 lakh0.65%Of loan limit
Above ₹50 lakh0.50%–1.00%Of loan limit, based on CRA rating
Kisan Credit Card — Agri & Rural · Processing fee, lines 539–545 · effective 5 Feb 2026 · accessed 25 Sept 2026Open official source ↗
Table 6 · 1 row · 6 columnsSeptember 2026 agriculture interest table — Kisan Credit Card rowView tableHide table

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September 2026 agriculture interest table — Kisan Credit Card row
DepartmentRowProduct-code descriptionBenchmark / tenorSpread as printedRemarks as printed
CROP40MC-Revised 1 Year 3.25%Up to ₹3 lakh: 7% under subvention; below ₹50 lakh: 1Y +325 bps; ₹50 lakh and above: CRA-based pricing
Agriculture Business — Interest Rates on Loans & Advances, as on 15 September 2026 · page 4, CROP row 40; full pages 1–6, all 51 product rows visually reviewed in the shared source batch · effective 15 Sept 2026 · accessed 25 Sept 2026Open official source ↗
Table 7 · 8 rows · 3 columnsPM-KISAN KCC application form — complete section mapView tableHide table

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PM-KISAN KCC application form — complete section map
SectionFields / applicant information requestedEffect / notes
AOffice use: application serial number, category, small/marginal/other classificationAdministrative fields
BFresh , enhancement or activation of an inoperative ; amount requestedApplicant selects the application action and requested amount
CApplicant name and -KISAN beneficiary account; optional consent for / automatic debitForm states /details will be accessed from the -KISAN account; printed premiums are outdated and shown separately below
DExisting loans from banks/co-operative banks/other sources, branch, facility, outstanding and overdue amountsExisting-credit disclosure
EVillage, survey/khasra number, owned/leased/share-cropper title, acreage, and Kharif/Rabi/other cropsLandholding and crop details
FAnimal-husbandry/fisheries activity: village, productive dairy animals, sheep/goats, pigs, poultry, other livestock, inland/aquaculture and marine fisheries/maricultureActivity details for applicants in these segments; does not make this product identical to the separately listed AH/fisheries
GParticulars of primary security and collateral security where applicableSecurity proposal
HTruth/accuracy declaration, undertaking to follow sanction terms and disclose assets, declaration about no other ; borrower signature; bank acknowledgement and in-principle approvalFinal sanction remains subject to field inspection, due diligence and terms
Loan Application Form for Agricultural Credit for -KISAN Beneficiaries · page 1, sections A–H and acknowledgement · accessed 25 Sept 2026Open official source ↗
Table 8 · 2 rows · 4 columnsInsurance options and premiums as printed in the SBI PM-KISAN form (legacy figures)View tableHide table

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Insurance options and premiums as printed in the SBI PM-KISAN form (legacy figures)
SchemePremium printed on formSum assured printed on formConsent
₹12 per year₹2 lakhOptional Yes/No auto-debit consent
₹330 per year₹2 lakhOptional Yes/No auto-debit consent
  • These are the amounts printed on the linked form, not the current scheme premiums. Current Department of Financial Services pages list ₹20 per year for and ₹436 per year for . The forms' old amount must not be used for a current quote or debit.
  • Neither policy premium is a processing fee or mandatory bundled insurance charge; the form describes optional consent for cover under the named schemes.
Loan Application Form for Agricultural Credit for -KISAN Beneficiaries · page 1, applicant particulars and optional insurance consent · accessed 25 Sept 2026Open official source ↗
Table 9 · 6 rows · 2 columnsOptional PMJJBY enrollment — current terms linked from the PM-KISAN formView tableHide table

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Optional PMJJBY enrollment — current terms linked from the PM-KISAN form
TermCurrent published value
CoverOne-year renewable term life cover; ₹2 lakh on death due to any cause; no maturity or surrender value
Entry and end ageEntry at ages 18–50; cover may renew until age 55, subject to annual renewal
Annual premium₹436 per year; first-time mid-year enrolment: ₹436 for June–August, ₹342 for September–November, ₹228 for December–February, or ₹114 for March–May
Cover period and payment1 June–31 May; one-time auto-debit from the designated bank/Post Office account with consent
When cover startsFrom auto-debit; for first-time enrolment, non-accidental death is not covered during the first 30 days; accidental death is covered from the start
Account ruleIndividual single or joint account holders may join; one account per person, even if they hold multiple accounts. Eligible need an Indian bank branch account; claims are paid in
  • The form offers optional consent for this separate government scheme. This is not automatic cover; the form's printed ₹330 premium is outdated.
Pradhan Mantri Jeevan Jyoti Bima Yojana — Department of Financial Services · Complete official page, including cover, eligibility, premium and pro-rata bands, waiting period, account rule and renewal/termination terms; last updated 5 January 2026 · effective 5 Jan 2026 · accessed 25 Sept 2026Open official source ↗
Table 10 · 6 rows · 2 columnsOptional PMSBY enrollment — current terms linked from the PM-KISAN formView tableHide table

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Optional PMSBY enrollment — current terms linked from the PM-KISAN form
TermCurrent published value
CoverOne-year renewable personal-accident cover; ₹2 lakh for accidental death or the specified total permanent disabilities; ₹1 lakh for the specified partial permanent disabilities
EligibilityIndividual bank/Post Office account holders aged 18–70; joint holders may each join; one account per person. Eligible need an Indian branch account; claims are paid in
Annual premium₹20 per person, auto-debited with consent. For voluntary electronic enrolment, the saved ₹1 new-enrolment commission is passed on by reducing the subscriber's premium
Cover period and start1 June–31 May, renewable yearly; risk cover starts when the premium is auto-debited
When cover endsAt age 70, on closure of the linked account, or if the balance is insufficient to keep cover active
Important limitsSuicide is excluded; hospitalisation expenses are not reimbursed; partial disability is covered only for the listed permanent losses. More than one enrolment does not provide multiple claims
  • The form offers optional consent for this separate government scheme. This is not automatic cover; the form's printed ₹12 premium is outdated.
Pradhan Mantri Suraksha Bima Yojana — Department of Financial Services · Complete official page, including benefits, premium and appropriation, eligibility, policy year, exclusions, termination, account and claim conditions; last updated 5 January 2026 · effective 5 Jan 2026 · accessed 25 Sept 2026Open official source ↗
Table 11 · 1 row · 3 columnsKCC account — other-bank ATM/ADWM transaction allowanceView tableHide table

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KCC account — other-bank ATM/ADWM transaction allowance
AccountOther-bank /ADWM transactionsCharge
accountUnlimited transactionsFree
Revision in /ADWM Transaction Service Charges · page 2, exception · effective 1 Dec 2025 · accessed 25 Sept 2026Open official source ↗
Table 12 · 4 rows · 5 columnsPMJJBY — first-year premium and appropriation scheduleCurrent government schedule for full-year renewals and first-time mid-policy enrolment; commission and administration amounts are shown separately from the member premium.View tableHide table

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PMJJBY — first-year premium and appropriation schedule
Enrolment timingMember premiumInsurer premium/agent commission (new enrolments)Bank administration expenses
June–August (full year)₹436₹395₹30₹11
September–November₹342₹309₹22.50₹10.50
December–February₹228₹206₹15₹7
March–May₹114₹103₹7.50₹3.50
  • The pro-rata amounts apply to first-time enrolment during the corresponding remaining policy-period quarter; full ₹436 is due at each annual renewal.
  • /agent commission is for new enrolments only. For voluntary electronic enrolment, saved commission is passed to the subscriber by reducing the insurer-premium component; the page does not publish a separate reduced total premium.
— Department of Financial Services · — first-year pro-rata premiums; premium appropriation table and electronic-enrolment note · effective 5 Jan 2026 · accessed 1 Oct 2026Open official source ↗
Table 13 · 3 rows · 3 columnsPMSBY — current benefit scheduleBenefit amounts and the exact qualifying permanent-loss conditions in the current government scheme FAQ.View tableHide table

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PMSBY — current benefit schedule
Covered eventQualifying conditionBenefit
Accidental deathDeath due to an accident as defined under the scheme₹2,00,000
Permanent total disabilityTotal and irrecoverable loss of both eyes, both hands/feet, or one eye together with one hand/foot₹2,00,000
Specified permanent partial disabilityTotal and irrecoverable loss of sight in one eye or use of one hand/foot₹1,00,000
  • No benefit is payable for partial disability outside the listed conditions; the scheme does not reimburse hospitalisation expenses.
— Department of Financial Services · — table of benefits and sum insured; partial-disability and hospitalisation answers · effective 5 Jan 2026 · accessed 1 Oct 2026Open official source ↗
Table 14 · 3 rows · 3 columnsPMSBY — premium and insurer-paid expense allocationSeparates the published member premium from the commission and administration reimbursements paid by the insurer.View tableHide table

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PMSBY — premium and insurer-paid expense allocation
ItemAmount and basisPaid by / applicability
Insurance premium₹20 per member per yearMember premium payable to the insurer under the scheme
/agent commission₹1 per memberPaid by insurer; new enrolments only
Bank administration expenses₹1 per member per yearPaid by insurer to the participating bank
  • For voluntary electronic enrolment, commission saved is passed to the subscriber by reducing the insurer-premium component. The current page does not give a separate reduced total; do not add the insurer-paid ₹1 items to the member's ₹20 premium.
— Department of Financial Services · — premium appropriation table and electronic-enrolment note · effective 5 Jan 2026 · accessed 1 Oct 2026Open official source ↗

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