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Digital Central Kisan Credit Card

Digital Kisan Credit Card for cultivation, ancillary and emergency expenses, with five-year validity and published rate and fee bands.

Interest rateUp to ₹3 lakh: 7%; above ₹3 lakh to ₹10 lakh: MCLR+2.50%=11.20%; above ₹10 lakh: MCLR+3.00%=11.70% (MCLR shown as 8.70%).Limit validityLimit sanctioned for five years, subject to annual review; no fixed maximum amount is published.ValidityFive years subject to annual review.

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✓ 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.

FacilityDigital Kisan Credit Card for cultivation, ancillary activities, contingencies and emergency expenses.View source

The purpose row covers cultivation, ancillary and emergency needs.

Source: Digital Central Kisan Credit Card
Page / section: Purpose
Accessed: 6 Sept 2026
Confidence: high

Open official source ↗

EligibilityFarmers engaged in agriculture and cultivating owned or leased land.View source

The applicant row specifies farmers cultivating owned or leased land.

Source: Digital Central Kisan Credit Card
Page / section: Who can apply
Accessed: 6 Sept 2026
Confidence: high

Open official source ↗

Interest rateUp to ₹3 lakh: 7%; above ₹3 lakh to ₹10 lakh: MCLR+2.50%=11.20%; above ₹10 lakh: MCLR+3.00%=11.70% (MCLR shown as 8.70%).View source

The page publishes and all three rate bands.

Source: Digital Central Kisan Credit Card
Page / section: Interest rate
Accessed: 6 Sept 2026
Confidence: high

Open official source ↗

Processing feeUp to ₹3 lakh nil; above ₹3 lakh 0.30%.View source

The fee bands are published on the digital CKCC page.

Source: Digital Central Kisan Credit Card
Page / section: Processing fee
Accessed: 6 Sept 2026
Confidence: high

Open official source ↗

Limit validityLimit sanctioned for five years, subject to annual review; no fixed maximum amount is published.View source

The page gives five-year validity but no universal maximum.

Source: Digital Central Kisan Credit Card
Page / section: Validity
Accessed: 6 Sept 2026
Confidence: high

Open official source ↗

Minimum incomeNo numeric income threshold is published; farmer and land/activity evidence is required.View source

The page requires land or allied-activity evidence but no income amount.

Source: Digital Central Kisan Credit Card
Page / section: Applicant and documents
Accessed: 6 Sept 2026
Confidence: high

Open official source ↗

ValidityFive years subject to annual review.View source

The page states five-year validity.

Source: Digital Central Kisan Credit Card
Page / section: Validity
Accessed: 6 Sept 2026
Confidence: high

Open official source ↗

APRNot published as a separate APR calculation.View source

No calculation is shown.

Source: Digital Central Kisan Credit Card
Page / section: Complete rate review
Accessed: 6 Sept 2026
Confidence: high

Open official source ↗

Prepayment / foreclosureNot published on the Digital CKCC page.View source

The complete page gives processing, documentation and inspection charges but no prepayment row.

Source: Digital Central Kisan Credit Card
Page / section: Complete fee and foreclosure review
Accessed: 6 Sept 2026
Confidence: high

Open official source ↗

BenchmarkMCLR+2View source

The manually reviewed product record states: “Up to ₹3 lakh: 7%; above ₹3 lakh to ₹10 lakh: +2.50%=11.20%; above ₹10 lakh: +3.00%=11.70% ( shown as 8.70%).”.

Source: Digital Central Kisan Credit Card — official product page
Page / section: Published product metadata
Accessed: 6 Sept 2026
Confidence: high

Open official source ↗

Benefits and features

Digital application route
Five-year limit subject to annual review
Up to ₹3 lakh at 7% published rate
Tiered documentation and inspection charges

Eligibility

Farmers engaged in agriculture and cultivating own or leased land may apply.

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

Documents the bank lists

Evidence of land holding or allied activities

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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₹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

Find the exact published value

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ProductChoose column

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
Product	Eligibility / purpose	Amount / validity	Rate	Fees / security
CKCC	Farmers and farmer groups; crop and allied needs	Five-year limit; no fixed maximum published	7% subvention; spreads above ₹3 lakh	Nil margin; no collateral up to ₹2 lakh
Digital CKCC	Farmers on owned/leased land; digital route	Five-year annual-review limit	7% up to ₹3 lakh; 11.20% and 11.70% higher bands	Processing nil up to ₹3 lakh; land/crop security
Cent Kisan Tatkal	Existing CKCC holders; emergency needs	₹1,000–₹50,000; 5-year repayment	Not published	Charge 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 ↗

Digital Central Kisan Credit Card

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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