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Kisan Credit Card ()

Revolving crop and allied-activity credit for cultivation, post-harvest needs, household consumption and farm-asset maintenance, with a five-year validity.

Interest rateDigital KCC: 7% p.a. up to ₹3 lakh under the Government of India interest-subvention scheme until the renewal due date or one year from sanction, whichever is earlier. If not repaid or renewed by then, the FAQ states MCLR (1-year) + 2.50% spread; prompt-repayment incentive applies subject to the scheme continuing.Maximum amountDigital KCC currently supports up to ₹2,00,000 (the FAQ's fifth-year limit); higher limits can be requested offline. Digital renewal combines a customer's KCCs up to ₹2,00,000 and permits 10%, 20% or 30% annual enhancement subject to eligibility and a ₹2,00,000 ceiling.TenureKCC documentation covers five years subject to annual renewal. A digital KCC account becomes eligible for renewal from nine months after limit setting and within four years six months of account opening; digital renewal can be selected from the second year onward.
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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: Digital applicants must be existing Indian Bank customers with individual land holding recorded in their name and meet the published credit and KYC prerequisites?

Published source: Minimum income

2Do you meet this requirement: Digital facility is listed for Tamil Nadu, Uttar Pradesh, Maharashtra, Madhya Pradesh, Odisha, Chhattisgarh and Andhra Pradesh?

Published source: Eligibility

3Do you meet this requirement: the renewal PDF says the branch obtains Renewal Forms I and II with D11?

Published source: Required documents

4Can you provide this required proof: A sanction letter, Key Fact Sheet and digitally signed documents can be downloaded after completion?

Published source: Required documents

5Are you this type of customer: Owner cultivators, tenant farmers, oral lessees, share croppers and eligible farmer SHGs/JLGs may apply?

6Document checkDo you have this required document or proof: KCC application and one-time documentation?

Published source: Required documents

7Document checkDo you have this required document or proof: KYC and land/cultivation records?

Published source: Required documents

8Document checkDo you have this required document or proof: Crop and scale-of-finance details?

Published source: Required documents

9Document checkDo you have at least one of these required documents: Security or collateral documents above the applicable limit?

Published source: Required documents
0 of 9 answeredAnswer the remaining questions to see your checklist result.
✓ Manually checked 31 Aug 2026 · active
Offered byIndian Bank

India; Indian Bank Digital currently lists Tamil Nadu, Uttar Pradesh, Maharashtra, Madhya Pradesh, Odisha, Chhattisgarh and Andhra Pradesh

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 typeKisan Credit Card crop and allied-activity credit; the digital journey supports fresh sanction and renewal for eligible existing customers.View source
The describes IND DIGI as a digital facility and explains its sanction and renewal lifecycle.
Source
IND DIGI Frequently Asked Questions — Indian Bank
Page / section
Page 1, questions 1–2; Page 3, questions 21–23
Accessed
31 Aug 2026
Confidence
high
Open official source ↗
Interest rateDigital KCC: 7% p.a. up to ₹3 lakh under the Government of India interest-subvention scheme until the renewal due date or one year from sanction, whichever is earlier. If not repaid or renewed by then, the FAQ states MCLR (1-year) + 2.50% spread; prompt-repayment incentive applies subject to the scheme continuing.View source
The publishes the 7% subvention rate and the post-due (1Y)+2.50% formula.
Source
IND DIGI Frequently Asked Questions — Indian Bank
Page / section
Page 3, questions 21–22
Accessed
31 Aug 2026
Confidence
high
Open official source ↗
BenchmarkMCLR (one-year) with a 2.50% spread is the stated post-due formula for the digital KCC account; subvention-supported components are charged at the Government scheme rate while eligible.View source
The explicitly states (1Y) + Spread (2.50%) p.a. after the subvention/renewal deadline.
Source
IND DIGI Frequently Asked Questions — Indian Bank
Page / section
Page 3, question 21
Accessed
31 Aug 2026
Confidence
high
Open official source ↗
APRNo separate APR percentage is published in the KCC page or the reviewed digital KCC PDFs.View source
The publish interest formulas but no calculation.
Source
IND DIGI review
Page / section
Pages 1–3
Accessed
31 Aug 2026
Confidence
high
Open official source ↗
Minimum incomeNo income threshold is published for KCC or Digital KCC. Digital applicants must be existing Indian Bank customers with individual land holding recorded in their name and meet the published credit and KYC prerequisites.View source
The prerequisite list contains customer, , bureau and land-record tests but no income floor.
Source
IND DIGI eligibility review
Page / section
Page 1, question 1
Accessed
31 Aug 2026
Confidence
high
Open official source ↗
Maximum amountDigital KCC currently supports up to ₹2,00,000 (the FAQ's fifth-year limit); higher limits can be requested offline. Digital renewal combines a customer's KCCs up to ₹2,00,000 and permits 10%, 20% or 30% annual enhancement subject to eligibility and a ₹2,00,000 ceiling.View source
The states 10%/20%/30% enhancement options and a maximum of ₹2 lakh for the digital renewal journey.
Source
Launching of revamped Digital renewal journey — Indian Bank
Page / section
Page 1, sections a and b; Page 2, eligibility criteria
Accessed
31 Aug 2026
Confidence
high
Open official source ↗
TenureKCC documentation covers five years subject to annual renewal. A digital KCC account becomes eligible for renewal from nine months after limit setting and within four years six months of account opening; digital renewal can be selected from the second year onward.View source
The gives the 9-month-to-4-years-6-months renewal window and five-year documentation cycle.
Source
Launching of revamped Digital renewal journey — Indian Bank
Page / section
Page 2, eligibility criteria 3 and 6
Accessed
31 Aug 2026
Confidence
high
Open official source ↗
Processing feeNo processing charge is collected for the Digital KCC journey. CIC verification, digital-documentation and state stamp-duty charges are collected at actuals where applicable.View source
The says no processing charge for the journey and lists the three actual-cost charges.
Source
IND DIGI Frequently Asked Questions — Indian Bank
Page / section
Page 2, question 12
Accessed
31 Aug 2026
Confidence
high
Open official source ↗
Prepayment / foreclosureNo separate prepayment or foreclosure charge is published in the reviewed KCC page or digital KCC PDFs.View source
The discusses renewal, repayment and overdue interest but no distinct foreclosure fee.
Source
IND DIGI prepayment review
Page / section
Pages 1–3
Accessed
31 Aug 2026
Confidence
high
Open official source ↗
EligibilityDigital KCC prerequisites: existing Indian Bank customer, minimum age 18, PAN updated, registered mobile, e-KYC/Re-KYC verified CIF, no live KCC or NPA/written-off/settled account, CIBIL score at least 730 or CRIF score at least 717, individual land holding in the applicant's name matching Government land records. Digital facility is listed for Tamil Nadu, Uttar Pradesh, Maharashtra, Madhya Pradesh, Odisha, Chhattisgarh and Andhra Pradesh.View source
The lists every digital prerequisite, score threshold, land-record rule and current state availability.
Source
IND DIGI Frequently Asked Questions — Indian Bank
Page / section
Page 1, question 1; Page 2, questions 8–11 and 18
Accessed
31 Aug 2026
Confidence
high
Open official source ↗
Required documentsDigital KCC requires PAN, mobile/e-KYC records, matching Government land records and digital documentation; the renewal PDF says the branch obtains Renewal Forms I and II with D11. A sanction letter, Key Fact Sheet and digitally signed documents can be downloaded after completion.View source
The publish land-record validation, renewal forms, /e- and post-sanction document download requirements.
Source
Launching of revamped Digital renewal journey — Indian Bank
Page / section
Page 1, and maker/checker; Page 2, eligibility criteria 6; Page 2, questions 15–17
Accessed
31 Aug 2026
Confidence
high
Open official source ↗
Geographic limitsDigital KCC prerequisites: existing Indian Bank customer, minimum age 18, PAN updated, registered mobile, e-KYC/Re-KYC verified CIF, no live KCC or NPA/written-off/settled account, CIBIL score at least 730 or CRIF score at least 717, individual land holding in the applicant's name matching Government land records. Digital facility is listed for Tamil Nadu, Uttar Pradesh, Maharashtra, Madhya Pradesh, Odisha, Chhattisgarh and Andhra Pradesh.View source
The manually reviewed product record states: “Digital prerequisites: existing Indian Bank customer, minimum age 18, updated, registered mobile, e-/Re- verified , no live or /written-off/settled account, CIBIL score at least 730 or CRIF score at least 717, individual land holding in the applicant's name matching Government land records. Digital facility is listed for Tamil Nadu, Uttar Pradesh, Maharashtra, Madhya Pradesh, Odisha, Chhattisgarh and Andhra Pradesh.”.
Source
Kisan Credit Card () — official product page
Page / section
Published product metadata
Accessed
31 Aug 2026
Confidence
high
Open official source ↗

Benefits and features

  • Scale-of-finance × cultivated area plus published post-harvest and farm-asset components
  • Five-year validity
  • No margin and no processing fee up to ₹3 lakh
  • Branch, , , PoS and merchant/mandi operation options
  • Government interest subvention and prompt-repayment incentives where applicable

Eligibility

  • Owner cultivators, tenant farmers, oral lessees, share croppers and eligible farmer / may apply.
  • Short-term withdrawals should be liquidated within 12 months; long-term component repayment follows the relevant investment-credit activity.

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

Documents the bank lists

  • application and one-time documentation
  • and land/cultivation records
  • Crop and scale-of-finance details
  • Security or collateral documents above the applicable limit
  • Simple crop declaration for subsequent drawals

Related official documents

IND DIGI KCC Frequently Asked Questions — Indian Bankofficial-pdf · current · accessed 31 Aug 2026
↗
Launching of revamped Digital KCC renewal journey — Indian Bankofficial-pdf · current · accessed 31 Aug 2026
↗
Kisan Credit Card — Indian Bank official product pageofficial-product-page · current · accessed 31 Aug 2026
↗
Loan application form for agricultural credit for PM-KISAN beneficiaries — Indian Bankofficial-pdf · current · accessed 31 Aug 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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Eligibility · Published detailOwner cultivators, tenants, oral lessees, share croppers and farmer /.

This value is copied from Kisan Credit Card — published terms. Check the table notes before relying on it.

Source: Kisan Credit Card — Indian Bank · Complete product criteria and interest slab 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 · 2 columnsKisan Credit Card — published termsCurrent Indian Bank KCC limit formula, rate slab, validity, repayment and security.View tableHide table

Scroll sideways to view every column

Kisan Credit Card — published terms
ParameterPublished detail
EligibilityOwner cultivators, tenants, oral lessees, share croppers and farmer /.
Limit formulaScale of finance × cultivated area + 10% post-harvest/household + 20% farm-asset maintenance; 10% annual scale increase.
ValidityFive years.
Margin / feeNo margin; no processing fee up to ₹3 lakh.
InterestUp to ₹3 lakh: 7% where subvention applies; above ₹3 lakh refer lending rates; long-term component linked to .
RepaymentShort-term withdrawal liquidated within 12 months; term component follows activity schedule.
SecurityUp to ₹2 lakh crop hypothecation; up to ₹3 lakh with tie-up crop hypothecation; above ₹2 lakh without tie-up additional pledge/charge/collateral.
Digital availabilityTamil Nadu, Uttar Pradesh, Maharashtra, Madhya Pradesh, Odisha, Chhattisgarh and Andhra Pradesh listed for Digital .
Kisan Credit Card — Indian Bank · Complete product criteria and interest slab · accessed 31 Aug 2026Open official source ↗
Table 2 · 9 rows · 2 columnsDigital KCC — PDF terms and controlsPage-by-page facts from Indian Bank's current Digital KCC renewal and FAQ PDFs.View tableHide table

Scroll sideways to view every column

Digital KCC — PDF terms and controls
ParameterPublished detail
Digital prerequisitesExisting Indian Bank customer; age 18+; and registered mobile; e-/Re-; no live , , written-off or settled account; ≥730 or CRIF ≥717; individual land in applicant's name matching Government records.
Digital limitUp to ₹2,00,000; higher limits via branch/offline route.
Renewal enhancement10%, 20% or 30% annual enhancement subject to eligibility and ₹2,00,000 ceiling; combined customer limit up to ₹2,00,000 for digital renewal.
Renewal timingEligible from nine months after limit setting and within four years six months of account opening; annual renewal; five-year documentation cycle.
ChargesNo Digital processing charge; verification, digital documentation and state stamp duty at actuals.
Interest7% up to ₹3 lakh while subvention applies; after due date/one year, (1Y) + 2.50% spread; PRI subject to Government scheme.
SecurityNo collateral for Digital up to ₹2 lakh; land-record validation and maker/checker controls.
InsuranceCrop insurance mandate follows the customer's opt-in; premium is debited from the account and cut-off dates apply.
DocumentsRenewal Forms I and II with D11; sanction letter, and digitally signed documents available after completion.
IND DIGI — Indian Bank · Pages 1–3 of and Pages 1–2 of renewal circular · accessed 31 Aug 2026Open official source ↗

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