Kisan Credit Card
in Maharashtra
Last updated:
Key dates and updates (Maharashtra)
Nationwide and Maharashtra-specific milestones. Verify on the official portal before you apply.
| Milestone | Date |
|---|---|
| Scheme launch |
Kisan Credit Card in Maharashtra
Kisan Credit Card is a government scheme available to eligible residents of Maharashtra.
Apply for Kisan Credit Card in Maharashtra
Scheme Overview
The Kisan Credit Card (KCC) scheme was introduced in 1998 for issue of Kisan Credit Cards to farmers on the basis of their holdings for uniform adoption by the banks so that farmers may use them to readily purchase agriculture inputs and draw cash for their production needs.
Eligibility Criteria
**Eligibility**
Individual farmers, tenant farmers, and joint liability groups. Farmers engaged in agriculture and allied activities.
Individual farmers, tenant farmers, and joint liability groups. Farmers engaged in agriculture and allied activities.
Individual farmers, tenant farmers, and joint liability groups. Farmers engaged in agriculture and allied activities.
Individual farmers, tenant farmers, and joint liability groups. Farmers engaged in agriculture and allied activities.
Individual farmers, tenant farmers, and joint liability groups. Farmers engaged in agriculture and allied activities.
Individual farmers, tenant farmers, and joint liability groups. Farmers engaged in agriculture and allied activities.
Individual farmers, tenant farmers, and joint liability groups. Farmers engaged in agriculture and allied activities.
Individual farmers, tenant farmers, and joint liability groups. Farmers engaged in agriculture and allied activities.
Individual farmers, tenant farmers, and joint liability groups. Farmers engaged in agriculture and allied activities.
Individual farmers, tenant farmers, and joint liability groups. Farmers engaged in agriculture and allied activities.
Individual farmers, tenant farmers, and joint liability groups. Farmers engaged in agriculture and allied activities.
Individual farmers, tenant farmers, and joint liability groups. Farmers engaged in agriculture and allied activities.
Individual farmers, tenant farmers, and joint liability groups. Farmers engaged in agriculture and allied activities.
Individual farmers, tenant farmers, and joint liability groups. Farmers engaged in agriculture and allied activities.
Individual farmers, tenant farmers, and joint liability groups. Farmers engaged in agriculture and allied activities.
Individual farmers, tenant farmers, and joint liability groups. Farmers engaged in agriculture and allied activities.
Individual farmers, tenant farmers, and joint liability groups. Farmers engaged in agriculture and allied activities.
Individual farmers, tenant farmers, and joint liability groups. Farmers engaged in agriculture and allied activities.
Individual farmers, tenant farmers, and joint liability groups. Farmers engaged in agriculture and allied activities.
Individual farmers, tenant farmers, and joint liability groups. Farmers engaged in agriculture and allied activities.
Farmers - individual/joint borrowers who are owner cultivators;
Individual farmers, tenant farmers, and joint liability groups. Farmers engaged in agriculture and allied activities.
Individual farmers, tenant farmers, and joint liability groups. Farmers engaged in agriculture and allied activities.
Individual farmers, tenant farmers, and joint liability groups. Farmers engaged in agriculture and allied activities.
Individual farmers, tenant farmers, and joint liability groups. Farmers engaged in agriculture and allied activities.
Individual farmers, tenant farmers, and joint liability groups. Farmers engaged in agriculture and allied activities.
Individual farmers, tenant farmers, and joint liability groups. Farmers engaged in agriculture and allied activities.
Individual farmers, tenant farmers, and joint liability groups. Farmers engaged in agriculture and allied activities.
Individual farmers, tenant farmers, and joint liability groups. Farmers engaged in agriculture and allied activities.
Individual farmers, tenant farmers, and joint liability groups. Farmers engaged in agriculture and allied activities.
Individual farmers, tenant farmers, and joint liability groups. Farmers engaged in agriculture and allied activities.
Individual farmers, tenant farmers, and joint liability groups. Farmers engaged in agriculture and allied activities.
Individual farmers, tenant farmers, and joint liability groups. Farmers engaged in agriculture and allied activities.
Individual farmers, tenant farmers, and joint liability groups. Farmers engaged in agriculture and allied activities.
Individual farmers, tenant farmers, and joint liability groups. Farmers engaged in agriculture and allied activities.
Tenant farmers, oral lessees & share croppers;
Self Help Groups (SHGs) or Joint Liability Groups (JLGs) of farmers including tenant farmers, share croppers etc
Benefits
Fixation of credit limit/Loan amount
Adequate credit for cultivation, working capital for allied activities, and interest subvention on short-term loans.
Adequate credit for cultivation, working capital for allied activities, and interest subvention on short-term loans.
Adequate credit for cultivation, working capital for allied activities, and interest subvention on short-term loans.
Adequate credit for cultivation, working capital for allied activities, and interest subvention on short-term loans.
Adequate credit for cultivation, working capital for allied activities, and interest subvention on short-term loans.
Adequate credit for cultivation, working capital for allied activities, and interest subvention on short-term loans.
Adequate credit for cultivation, working capital for allied activities, and interest subvention on short-term loans.
Adequate credit for cultivation, working capital for allied activities, and interest subvention on short-term loans.
Adequate credit for cultivation, working capital for allied activities, and interest subvention on short-term loans.
Adequate credit for cultivation, working capital for allied activities, and interest subvention on short-term loans.
Adequate credit for cultivation, working capital for allied activities, and interest subvention on short-term loans.
Adequate credit for cultivation, working capital for allied activities, and interest subvention on short-term loans.
Adequate credit for cultivation, working capital for allied activities, and interest subvention on short-term loans.
Adequate credit for cultivation, working capital for allied activities, and interest subvention on short-term loans.
Adequate credit for cultivation, working capital for allied activities, and interest subvention on short-term loans.
Adequate credit for cultivation, working capital for allied activities, and interest subvention on short-term loans.
Adequate credit for cultivation, working capital for allied activities, and interest subvention on short-term loans.
Adequate credit for cultivation, working capital for allied activities, and interest subvention on short-term loans.
Adequate credit for cultivation, working capital for allied activities, and interest subvention on short-term loans.
Adequate credit for cultivation, working capital for allied activities, and interest subvention on short-term loans.
Adequate credit for cultivation, working capital for allied activities, and interest subvention on short-term loans.
Adequate credit for cultivation, working capital for allied activities, and interest subvention on short-term loans.
Adequate credit for cultivation, working capital for allied activities, and interest subvention on short-term loans.
The short-term limit to arrive for the first year: For farmers raising a single crop in a year: Scale of finance for the crop (as decided by District Level Technical Committee) x Extent of area cultivated + 10% of limit towards post-harvest / household/consumption requirements + 20% of limit towards repairs and maintenance expenses of farm assets + crop insurance, PAIS & asset insurance.
Adequate credit for cultivation, working capital for allied activities, and interest subvention on short-term loans.
Adequate credit for cultivation, working capital for allied activities, and interest subvention on short-term loans.
Adequate credit for cultivation, working capital for allied activities, and interest subvention on short-term loans.
Adequate credit for cultivation, working capital for allied activities, and interest subvention on short-term loans.
Adequate credit for cultivation, working capital for allied activities, and interest subvention on short-term loans.
Adequate credit for cultivation, working capital for allied activities, and interest subvention on short-term loans.
Adequate credit for cultivation, working capital for allied activities, and interest subvention on short-term loans.
Adequate credit for cultivation, working capital for allied activities, and interest subvention on short-term loans.
Adequate credit for cultivation, working capital for allied activities, and interest subvention on short-term loans.
Adequate credit for cultivation, working capital for allied activities, and interest subvention on short-term loans.
Adequate credit for cultivation, working capital for allied activities, and interest subvention on short-term loans.
Limit for second & subsequent year: First-year limit for crop cultivation purposes arrived at as above plus 10% of the limit towards cost escalation/increase in the scale of finance for every successive year ( 2nd, 3rd, 4th and 5th year) and estimated Term loan component for the tenure of Kisan Credit Card, i.e., five years.
For farmers raising more than one crop in a year, the limit is to be fixed as above depending upon the crops cultivated as per the proposed cropping pattern for the first year and an additional 10% of the limit towards cost escalation/increase in the scale of finance for every successive year (2nd, 3rd, 4th and 5th year). It is assumed that the farmer adopts the same cropping pattern for the remaining four years also. In case the cropping pattern adopted by the farmer is changed in the subsequent year, the limit may be reworked.
Term loans for investments towards land development, minor irrigation, purchase of farm equipment and allied agricultural activities. The banks may fix the quantum of credit for the term and working capital limit for agricultural and allied activities, etc., based on the unit cost of the asset/s proposed to be acquired by the farmer, the allied activities already being undertaken on the farm, the bank’s judgment on repayment capacity vis-a-vis total loan burden devolving on the farmer, including existing loan obligations.
The long-term loan limit is based on the proposed investments during the five-year period and the bank’s perception of the repaying capacity of the farmer
Maximum Permissible Limit: The short-term loan limit arrived for the 5th year plus the estimated long-term loan requirement will be the Maximum Permissible Limit (MPL) and treated as the Kisan Credit Card Limit.
Fixation of Sub-limits for other than Marginal Farmers:
Short-term loans and term loans are governed by different interest rates. Besides, at present, short-term crop loans are covered under Interest Subvention Scheme/ Prompt Repayment Incentive scheme. Further, repayment schedules and norms are different for short-term and term loans. Hence, in order to have operational and accounting convenience, the card limit is to be bifurcated into separate sub-limits for short-term cash credit limit cum savings account and term loans.
The drawing limit for short-term cash credit should be fixed based on the cropping pattern and the amounts for crop production, repairs and maintenance of farm assets and consumption may be allowed to be drawn at the convenience of the farmer. In case the revision of the scale of finance for any year by the district-level committee exceeds the notional hike of 10% contemplated while fixing the five-year limit, a revised drawable limit may be fixed and the farmer is advised about the same. In case such revisions require the card limit itself to be enhanced (4th or 5th year), the same may be done and the farmer be so advised. For term loans, instalments may be allowed to be withdrawn based on the nature of the investment and the repayment schedule drawn as per the economic life of the proposed investments. It is to be ensured that at any point in time, the total liability should be within the drawing limit of the concerned year.
Wherever the card limit/liability so arrived warrants additional security, the banks may take suitable collateral as per their policy.
Required Documents
| # | Document |
|---|---|
| 1 | Application Form. |
| 2 | Two Passport Size Photographs. |
| 3 | ID proof such as Driving License / Aadhar Card / Voter Identity Card / Passport. |
| 4 | Address Proof such as Driving License, Aadhar Card. |
| 5 | Proof of landholding duly certified by the revenue authorities. |
| 6 | Cropping pattern (Crops grown) with acreage. |
| 7 | Security documents for loan limit above Rs.1.60 lakhs / Rs.3.00 lakhs, as applicable. |
| 8 | Any other document as per sanction. |
How to Apply in Maharashtra
Visit the website of the bank you wish to apply for the kisan credit card scheme. From the list of options, choose the Kisan Credit Card. On clicking the option of ‘Apply’, the website will redirect you to the application page. Fill the form with …
Online Visit the website of the bank you wish to apply for the kisan credit card scheme. From the list of options, choose the Kisan Credit Card. On clicking the option of ‘Apply’, the website will redirect you to the application page. Fill the form with the required details and click on ‘Submit’. On doing so, an application reference number will be sent. If you are eligible, the bank will get back to you for the further process within 3-4 working days.
Offline applications can be done by visiting the branch of the bank of your choice or by downloading the application form from the website of the bank as well. The applicant can visit the branch and begin the application process with the help of t…
Offline Offline applications can be done by visiting the branch of the bank of your choice or by downloading the application form from the website of the bank as well. The applicant can visit the branch and begin the application process with the help of the bank representative.
Common questions in Maharashtra
Who can apply for Kisan Credit Card in Maharashtra?
Eligible residents of Maharashtra who meet the scheme’s overall criteria can apply for Kisan Credit Card. Refer to the eligibility section above for the complete checklist.
What documents are required for Kisan Credit Card in Maharashtra?
Applicants in Maharashtra typically need identity proof (Aadhaar), state residency proof, bank account details, and any scheme-specific documents listed in the documents section.
What are the important dates for Kisan Credit Card?
Key dates are summarized in the table on this page, from 1 August 1998 through 1 August 1998, based on values DeshSeva currently stores for this item.
Frequently Asked Questions
This validity period is 5 years. The tenure you do get depends on the type of activity you plan to use the money for