The KCC is open to a wide range of farmers, including tenants and allied-activity producers. This guide explains exactly who is eligible for a Kisan Credit Card and what conditions apply.
Quick Answer
KCC eligibility covers owner-cultivators, tenant farmers, sharecroppers, SHGs and JLGs, plus farmers in dairy, poultry and fisheries. Applicants are generally aged 18–75, with valid land or activity records.
Who Can Apply
- Individual farmers who own cultivable land.
- Tenant farmers, oral lessees, and sharecroppers.
- Self-Help Groups (SHGs) and Joint Liability Groups (JLGs).
- Animal husbandry and fisheries producers (for working capital).
Eligibility Conditions
| Parameter | Requirement |
|---|---|
| Age | 18 to 75 years |
| Senior applicants | Co-borrower required above 70 |
| Land | Records or valid lease/activity proof |
| KYC | Aadhaar mandatory |
KCC for Allied Activities
Farmers engaged in dairy, poultry, goatery, and fisheries can obtain a KCC for their working-capital needs even without crop land, based on the activity's economics.
Disclaimer: Eligibility is set by RBI/NABARD and the lending bank and may change. This guide is educational only.
Conclusion
If you cultivate land — even as a tenant — or run an allied activity like dairy or fisheries, you are likely eligible for a KCC. Approach any bank with your KYC and activity/land proof.
Frequently asked questions
Can tenant farmers get a KCC?
Yes. Tenant farmers, oral lessees, and sharecroppers are eligible, often through Joint Liability Groups.
What is the age limit for a KCC?
Generally 18 to 75 years; applicants above 70 usually need a younger co-borrower.
Can I get a KCC without owning land?
Yes for allied activities like dairy or fisheries, and as a tenant/sharecropper via JLGs.
Is a credit score needed for a KCC?
For small KCC limits it is not mandatory, though a good record helps for larger limits.
Are SHGs eligible for KCC?
Yes, Self-Help Groups and Joint Liability Groups can access KCC credit.