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Central Govt • Agriculture

KCC Interest Subvention Scheme [4% Interest Loan]

Active Scheme

Last updated: 2026-01-18. Always verify on the official portal before applying.

A scheme that makes crop loans very cheap for farmers. Farmers with a Kisan Credit Card (KCC) can get loans up to ₹3 Lakh at a low interest rate of 7%. If they repay on time (within 1 year), they get an extra 3% discount, making the final interest rate only 4%.

💰 Benefits

Low Interest: Crop loans available at an effective rate of 7% p.a.
Prompt Repayment Incentive (PRI): Get 3% cash back (subsidy) if you repay on time.
Final Rate: Effective interest becomes just 4% p.a. for good borrowers.
Limit: Scheme applies to loans up to ₹3 Lakh.
Collateral Free: No security needed for loans up to ₹1.60 Lakh.

✅ Who Can Apply?

Any farmer who has a valid Kisan Credit Card (KCC).
Small and Marginal Farmers.
Tenant Farmers and Sharecroppers.
Animal Husbandry and Fisheries farmers (limit ₹2 Lakh).

📝 How to Apply?

1Step 1: Get a KCC from your nearest bank branch (SBI, PNB, Cooperative Bank, etc.).
2Step 2: Withdraw money for crop expenses.
3Step 3: Repay the full amount within 365 days (1 year) from the withdrawal date.
4Step 4: The 3% interest subsidy is automatically credited to your KCC account by the bank.
5Step 5: Renew your KCC limit every year.

Official Website

Visit the government portal to apply or check status.

Go to Official Portal

Questions About KCC Interest Subvention Scheme [4% Interest Loan]

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Central Govt • Agriculture

KCC Interest Subvention Scheme [4% Interest Loan]

Active Scheme

Last updated: 2026-01-18. Always verify on the official portal before applying.

💰 Benefits

Low Interest: Crop loans available at an effective rate of 7% p.a.
Prompt Repayment Incentive (PRI): Get 3% cash back (subsidy) if you repay on time.
Final Rate: Effective interest becomes just 4% p.a. for good borrowers.
Limit: Scheme applies to loans up to ₹3 Lakh.
Collateral Free: No security needed for loans up to ₹1.60 Lakh.

✅ Who Can Apply?

Any farmer who has a valid Kisan Credit Card (KCC).
Small and Marginal Farmers.
Tenant Farmers and Sharecroppers.
Animal Husbandry and Fisheries farmers (limit ₹2 Lakh).

📝 How to Apply?

1Step 1: Get a KCC from your nearest bank branch (SBI, PNB, Cooperative Bank, etc.).
2Step 2: Withdraw money for crop expenses.
3Step 3: Repay the full amount within 365 days (1 year) from the withdrawal date.
4Step 4: The 3% interest subsidy is automatically credited to your KCC account by the bank.
5Step 5: Renew your KCC limit every year.

Official Website

Visit the government portal to apply or check status.

Go to Official Portal

Agriculture Scientist

Leh Ladakh - Land of High Passes

Rishikesh - Yoga Capital

Ladakh - Land of High Passes

Spiti Valley - Cold Desert

Agriculture Scientist

Leh Ladakh - Land of High Passes

Rishikesh - Yoga Capital

Ladakh - Land of High Passes

Spiti Valley - Cold Desert

KCC Interest Subvention Scheme [4% Interest Loan]

Active Scheme

💰 Benefits

✅ Who Can Apply?

📝 How to Apply?

Official Website

Questions About KCC Interest Subvention Scheme [4% Interest Loan]

What is the interest rate for KCC loans if paid on time?

What happens if I don't repay my KCC loan on time?

Is interest subvention available for Dairy and Fisheries KCC?

How is the 3% incentive paid in the KCC Interest Subvention Scheme?

What is the maximum loan amount for 4% interest?

KCC Interest Subvention Scheme [4% Interest Loan]

Active Scheme

💰 Benefits

✅ Who Can Apply?

📝 How to Apply?

Official Website

Questions About KCC Interest Subvention Scheme [4% Interest Loan]

What is the interest rate for KCC loans if paid on time?

What happens if I don't repay my KCC loan on time?

Is interest subvention available for Dairy and Fisheries KCC?

How is the 3% incentive paid in the KCC Interest Subvention Scheme?

What is the maximum loan amount for 4% interest?