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Central Kisan Credit Card (CKCC)

Five-year revolving crop and allied-activity credit for farmers, with ₹2 lakh collateral-free threshold and interest-subvention pricing.

Interest rate7% per annum for advances covered by interest subvention; otherwise up to ₹3 lakh MCLR+1.35%, ₹3–₹10 lakh MCLR+2.50%, and above ₹10 lakh to ₹1 crore MCLR+3.00%.LimitCash-credit limit is sanctioned for five years; no universal rupee ceiling is published because the limit is based on scale of finance and activity.ValidityCash-credit limit sanctioned for five years, subject to review.
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Quick eligibility check

Central Kisan Credit Card (CKCC)

0 of 4 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.

1Are you this type of customer: Owner cultivators, tenant farmers, oral lessees, sharecroppers, SHGs, JLGs, farmer producer organisations and companies?

Published source: Eligibility

2Do you meet this requirement: limit is based on crop scale of finance and eligible activity?

Published source: Minimum income

3Are you this type of customer: Farmers may apply individually, jointly, through SHGs/JLGs or farmer producer organisations?

4Document checkDo you have at least one of these required documents: Landholding/tenancy or allied-activity evidence, KYC and crop/activity details?

Published source: Eligibility
0 of 4 answeredAnswer the remaining questions to see your checklist result.
✓ Manually checked 6 Sept 2026 · active
Offered byCentral 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.

FacilityShort-term revolving cash credit for cultivation, dairy, fisheries, poultry, post-harvest marketing and allied activities.View source
The page lists crop, allied and post-harvest uses and a five-year cash-credit limit.
Source
Central Kisan Credit Card (CKCC)
Page / section
Purpose and nature of facility
Accessed
6 Sept 2026
Confidence
high
Open official source ↗
EligibilityOwner cultivators, tenant farmers, oral lessees, sharecroppers, SHGs, JLGs, farmer producer organisations and companies.View source
The eligibility row enumerates individual and group farmer forms.
Source
Central Kisan Credit Card (CKCC)
Page / section
Eligibility
Accessed
6 Sept 2026
Confidence
high
Open official source ↗
LimitCash-credit limit is sanctioned for five years; no universal rupee ceiling is published because the limit is based on scale of finance and activity.View source
The page gives five-year validity but no fixed maximum amount.
Source
Central Kisan Credit Card (CKCC)
Page / section
Limit
Accessed
6 Sept 2026
Confidence
high
Open official source ↗
MarginNil; margin is built into the scale of finance.View source
The margin row states nil.
Source
Central Kisan Credit Card (CKCC)
Page / section
Margin
Accessed
6 Sept 2026
Confidence
high
Open official source ↗
SecurityCrop and allied-asset hypothecation; no collateral up to ₹2 lakh (up to ₹3 lakh in tie-ups); collateral required above ₹2 lakh.View source
The security section gives hypothecation and collateral thresholds.
Source
Central Kisan Credit Card (CKCC)
Page / section
Security
Accessed
6 Sept 2026
Confidence
high
Open official source ↗
Interest rate7% per annum for advances covered by interest subvention; otherwise up to ₹3 lakh MCLR+1.35%, ₹3–₹10 lakh MCLR+2.50%, and above ₹10 lakh to ₹1 crore MCLR+3.00%.View source
The page publishes the subvention rate and spread bands.
Source
Central Kisan Credit Card (CKCC)
Page / section
Rate of interest
Accessed
6 Sept 2026
Confidence
high
Open official source ↗
Minimum incomeNo numeric income threshold is published; limit is based on crop scale of finance and eligible activity.View source
The complete page gives farmer/activity eligibility and scale-of-finance limits but no income amount.
Source
Central Kisan Credit Card (CKCC)
Page / section
Eligibility and limit
Accessed
6 Sept 2026
Confidence
high
Open official source ↗
ValidityCash-credit limit sanctioned for five years, subject to review.View source
The page states five-year sanction validity.
Source
Central Kisan Credit Card (CKCC)
Page / section
Limit
Accessed
6 Sept 2026
Confidence
high
Open official source ↗
APRNot published as a separate APR calculation.View source
No calculation is shown.
Source
Central Kisan Credit Card (CKCC)
Page / section
Complete rate review
Accessed
6 Sept 2026
Confidence
high
Open official source ↗
Processing feeNot published on the CKCC page.View source
The complete page contains no processing-fee row.
Source
Central Kisan Credit Card (CKCC)
Page / section
Complete fee review
Accessed
6 Sept 2026
Confidence
high
Open official source ↗
BenchmarkMCLR is referenced for non-subvention bands, but the page does not publish a separately named benchmark beyond that MCLR-linked spread.View source
The official rate row uses plus spreads for non-subvention advances.
Source
Central Kisan Credit Card (CKCC)
Page / section
Rate of interest
Accessed
6 Sept 2026
Confidence
high
Open official source ↗
Prepayment / foreclosureNot published on the revolving CKCC page; the facility is reviewed annually rather than given a stated foreclosure schedule.View source
The complete page gives purpose, limit, margin, security and rate but no prepayment row.
Source
Central Kisan Credit Card (CKCC)
Page / section
Complete fee and foreclosure review
Accessed
6 Sept 2026
Confidence
high
Open official source ↗

Benefits and features

  • Five-year cash-credit limit
  • Covers cultivation, post-harvest, allied activities and farmer consumption
  • Nil margin
  • No collateral up to ₹2 lakh (up to ₹3 lakh in tie-ups)

Eligibility

  • Farmers may apply individually, jointly, through / or farmer producer organisations.

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

Documents the bank lists

  • Landholding/tenancy or allied-activity evidence, and crop/activity details

Related official documents

Central Kisan Credit Card (CKCC)official-product-page · current · accessed 6 Sept 2026
↗

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Loan repayment estimate

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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.

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CKCC · Eligibility / purposeFarmers and farmer groups; crop and allied needs

This value is copied from Central Bank agriculture credit terms. Check the table notes before relying on it.

Source: Central Bank agriculture credit catalogue · CKCC, Digital CKCC and Kisan Tatkal 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 · 3 rows · 5 columnsCentral Bank agriculture credit termsPublished CKCC and Kisan Tatkal terms.View tableHide table

Scroll sideways to view every column

Central Bank agriculture credit terms
ProductEligibility / purposeAmount / validityRateFees / security
CKCCFarmers and farmer groups; crop and allied needsFive-year limit; no fixed maximum published7% subvention; spreads above ₹3 lakhNil margin; no collateral up to ₹2 lakh
Digital CKCCFarmers on owned/leased land; digital routeFive-year annual-review limit7% up to ₹3 lakh; 11.20% and 11.70% higher bandsProcessing nil up to ₹3 lakh; land/crop security
Cent Kisan TatkalExisting CKCC holders; emergency needs₹1,000–₹50,000; 5-year repaymentNot publishedCharge on CKCC securities
  • Rates are indicative where the official page says they may differ at processing; final sanction and security follow current bank rules.
Central Bank agriculture credit catalogue · CKCC, Digital CKCC and Kisan Tatkal pages · accessed 6 Sept 2026Open official source ↗

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