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Canara Kisan Credit Card Scheme

Single-window crop and allied-activity credit for farmers, covering cultivation, post-harvest, marketing, household consumption and farm-asset working capital.

Interest rateUp to ₹3 lakh: 7% p.a. for the KCC subvention rate; non-subvention KCC is one-year MCLR + 1.40%. Above ₹3 lakh: one-year MCLR + 2.30%.Maximum amountNo universal rupee ceiling is published; the first-year short-term limit is assessed from scale of finance, acreage and stated sub-limits: 10% for post-harvest/household needs and 20% for farm-asset repairs.TenureWorking-capital limit valid for five years subject to annual review; term-loan sub-limit repayable in yearly or half-yearly instalments, maximum five years.
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Quick eligibility check

Canara Kisan Credit Card Scheme

0 of 7 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.

1Does your annual income meet this requirement: No income minimum is published?

Published source: Minimum income

2Are you this type of customer: eligibility uses farmer status, cultivation/tenancy and scale-of-finance assessment?

Published source: Minimum income

3Do you meet this requirement: Individuals/joint owner cultivators, tenant farmers, oral lessees, sharecroppers, and are eligible?

4Do you meet this product condition: Security and margin vary by limit and charge-creation availability?

5Can you provide the required document: Application and ?

6Can you provide the required document: Land, tenancy or cultivation evidence?

7Can you provide the required document: Scale-of-finance/crop pattern and acreage details?

0 of 7 answeredAnswer the remaining questions to see your checklist result.
✓ Manually checked 30 Aug 2026 · active
Offered byCanara Bank

India; eligible agricultural borrowers

Key facts

What the official sources publish

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

Loan typeSingle-window crop working-capital and term-loan facility covering cultivation, post-harvest, marketing, consumption and allied activities.View source
Canara lists crop, post-harvest, marketing, household and farm-asset needs under one window.
Source
Kisan Credit Card Scheme
Page / section
Purpose
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
Interest rateUp to ₹3 lakh: 7% p.a. for the KCC subvention rate; non-subvention KCC is one-year MCLR + 1.40%. Above ₹3 lakh: one-year MCLR + 2.30%.View source
The 18 August 2026 publishes 7% subvention and the two spreads by amount.
Source
Rate of Interest for Agriculture & Allied Activities
Page / section
loans up to ₹3 lakh; loans above ₹3 lakh
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
BenchmarkOne-year MCLR for non-subvention KCC pricing; the subsidised crop rate is published as 7% p.a. up to ₹3 lakh.View source
The rate table distinguishes the 7% subvention rate from -linked non-subvention pricing.
Source
Rate of Interest for Agriculture & Allied Activities
Page / section
loans up to ₹3 lakh; loans above ₹3 lakh
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
APRNot published as a separate APR.View source
No is displayed.
Source
Kisan Credit Card Scheme
Page / section
Complete page
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
Minimum incomeNo income minimum is published; eligibility uses farmer status, cultivation/tenancy and scale-of-finance assessment.View source
The page lists owner cultivators, tenants, sharecroppers, and without an income threshold.
Source
Kisan Credit Card Scheme
Page / section
Eligible farmers
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
Maximum amountNo universal rupee ceiling is published; the first-year short-term limit is assessed from scale of finance, acreage and stated sub-limits: 10% for post-harvest/household needs and 20% for farm-asset repairs.View source
Canara provides formula-based quantum and sub-limits rather than one maximum amount.
Source
Kisan Credit Card Scheme
Page / section
Quantum of Loan
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
TenureWorking-capital limit valid for five years subject to annual review; term-loan sub-limit repayable in yearly or half-yearly instalments, maximum five years.View source
The repayment section states five-year validity/review and a five-year term-loan maximum.
Source
Kisan Credit Card Scheme
Page / section
Repayment Period
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
Processing feeNot published on the reviewed KCC page; the applicable agriculture tariff must be confirmed for the sanctioned limit.View source
No product-specific processing charge appears on the page.
Source
Kisan Credit Card Scheme
Page / section
Complete page
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
Prepayment / foreclosureNot published on the reviewed KCC page.View source
No early-closure charge appears.
Source
Kisan Credit Card Scheme
Page / section
Complete page
Accessed
30 Aug 2026
Confidence
high
Open official source ↗

Benefits and features

  • Crop production, post-harvest and marketing finance
  • Household consumption and farm-asset working capital
  • Term-loan sub-limit for non-crop purposes
  • Five-year working-capital validity with annual review
  • Up to five-year term-loan repayment
  • No separate crop-production margin beyond scale of finance

Eligibility

  • Individuals/joint owner cultivators, tenant farmers, oral lessees, sharecroppers, and are eligible. Security and margin vary by limit and charge-creation availability.

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

Documents the bank lists

  • Application and
  • Land, tenancy or cultivation evidence
  • Scale-of-finance/crop pattern and acreage details
  • Security, insurance and charge documents as applicable

Related official documents

Rate of Interest for Agriculture & Allied Activities (updated 18.08.2026)official-rate-table · current · accessed 30 Aug 2026
↗
Kisan Credit Card Schemeofficial-product-page · current · accessed 30 Aug 2026
↗

Plan before applying

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Loan repayment estimate

See what the loan could cost each month. Move any slider to try a different amount, rate or repayment time.

One monthly payment₹21,696twenty-one thousand six hundred ninety-six rupees
Interest paid over the full loan₹27,06,939twenty-seven lakh six thousand nine hundred thirty-nine rupees
Everything you repay₹52,06,939fifty-two lakh six thousand nine hundred thirty-nine 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

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Kisan Credit Card · Eligibility / purposeOwner/tenant cultivators, sharecroppers, and

This value is copied from Canara , farm machinery and dairy loan terms. Check the table notes before relying on it.

Source: Canara agriculture product pages and rate · Eligibility; Quantum; Margin; Interest; Security; Repayment Open official source ↗

Published tables

Complete rates, limits and schedules

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

Table 1 · 3 rows · 4 columnsCanara KCC, farm machinery and dairy loan termsPublished eligibility, rates, limits and repayment details from official Canara pages and the 18 August 2026 rate PDF.View tableHide table

Scroll sideways to view every column

Canara KCC, farm machinery and dairy loan terms
ProductEligibility / purposeAmount / rateRepayment / security
Kisan Credit CardOwner/tenant cultivators, sharecroppers, and 7% up to ₹3 lakh subvention; + 1.40% non-subvention; above ₹3 lakh + 2.30%Five-year WC validity with annual review; term loan max 5 years; security varies by limit
Farm MachineryApproved tractors, tillers, harvesters and implements; acreage testsNo universal ceiling; nil margin up to ₹2 lakh, 15%–25% above; agriculture spreads5–9 years; hypothecation, land mortgage or tangible collateral above ₹2 lakh
Dairy LoanCattle, sheds, fodder, equipment, processing and heifersNo universal ceiling; nil margin up to ₹2 lakh, 15%–25% above; agriculture spreadsAnimals 5–7 years; heifers 5–6 years incl. 30-month grace; project moratorium up to 18 months
Canara agriculture product pages and rate · Eligibility; Quantum; Margin; Interest; Security; Repayment · accessed 30 Aug 2026Open official source ↗

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