Santa Claus comes around just once a year. In the meantime, there are Credit Cards.

    Compare, check your eligibility and apply for credit cards online.

    Kotak Bank Kisan Credit Card is Rated as "Great!" by 656 Users

    Fees & Charges

    Promised Interest Rate

    Customer Service



    Overview of Kotak Kisan Credit Card:

    Kotak Bank has a range of unique financial products to cater to the financial needs of farmers and agriculturists amongst which Kotak Kisan Card is an important product. Kisan Credit Card (KCC) scheme was introduced by NABARD in 1998 to meet the production credit needs of farmers in a hassle-free and timely manner. The Kisan Credit Card scheme was introduced by all major commercial banks, RRBs and cooperative banks in the institutional credit network. Hike in credit limit from second year till fifth year, simple documentation, direct disbursement channels and facilities for online land record access has made Kisan Credit Card scheme one of the popular agricultural credit schemes.

    Kotak Kisan Credit Card will duly help the farmers to meet short and long term credit requirements. With benefits like personal accident insurance, easy documentation, passbook and hassle free application, Kotak Kisan Credit Card will help the farmers engage in agriculture and allied activities without any economic worries.

    Features and Benefits of Kotak Kisan Credit Card:

    Kotak Kisan Credit Card offers an array of advantages for farmers are agriculturists that will make them avail instant credit when required. Here are some of the features and benefits of Kotak Kisan Credit Card (KCC).

    • Multipurpose Card:

      Kotak Kisan Credit Card can be used for the following needs and purposes.

      • To meet the credit requirements of post-harvest requirements.
      • To meet the short term financial needs for cultivation of crops.
      • Investment Credit Requirements for agriculture and other allied activities including expenses for sprayers, pump sets and dairy animals.
      • Working capital requirements for maintenance of farm activities and assets related to agriculture including inland fisheries and dairy animals.
      • Expenses related to consumption requirement of farmer household.
    • Affordable Interest Rates:

      The interest rates are nominal and will reduce the financial burden of farmers. Also, affordable interest rates will encourage farmers to choose Kisan Credit Card crop loans over the widely prevalent non-institutional credit sources.

    • High Quantum of Finance:

      Farmers will be offered a high loan quantum under KCC crop loans. The short term credit limit is fixed during the first year and is determined based on various factors like post-harvest, consumption & household expenses, scale of finance, crops being cultivated as per cropping pattern, asset insurance, crop insurance, personal accident insurance scheme and maintenance costs of farm assets. After that, for every consecutive year, the sanctioned limit will be increased by 10% till the 5th year.

    • Flexible Repayment Terms:

      All withdrawals and credit from the KCC account must be repaid within a period of one year. Also, Kisan Credit Card credit/loan will be a revolving account. Any credit balance in the account will fetch interest at savings bank rate. These features will offer more financial flexibility to the cardholder.

    • Processing Fee Waiver:

      For Kisan Credit Card loans up to Rs. 3 lakhs, the processing fee will be waived off.

    • Passbook:

      Kotak Kisan Credit Card customers will be offered a passbook which will have details of cardholder’s name, credit limit and transaction information.

    • Personal Accident Insurance:

      Kotak Kisan Credit cardholders will also be able to apply for personal accident insurance scheme at nominal premium rates.

    Eligibility for Kotak Kisan Credit Card:

    An applicant must satisfy the following eligibility criteria to be able to apply for Kotak Kisan Credit Card.

    • The applicant must be a resident Indian and over 18 years of age.
    • All farmers, joint borrowers and individuals who are owner cultivators can apply for Kotak Kisan Credit Card.
    • Oral lessees, tenant farmers and share croppers can apply for Kotak Kisan Credit Card.
    • Joint Liability Groups (JLGs) and Self Help Groups (SHGs) of farmers including share croppers and tenant farmers can apply for Kotak Kisan Credit Card.
    • Progressive agriculturists are eligible for availing loan under this product.

    Do enquire with Kotak Bank for a detailed eligibility list for your profile type and income criteria, if applicable.

    Documentation for Kotak Kisan Credit Card:

    The following documents must be submitted to complete the application process for Kotak Kisan Credit Card.

    • Completely filled application form with passport size photographs
    • Identity Proof - documents like Voter's Identity Card, PAN Card, PAN Card and NREGA Card
    • Address Proof - documents like Aadhar card and ration card
    • Documents of land holdings, if any
    • Documents pertaining to collateral and primary security

    Based on loan sanction condition, other relevant documents might be required. Do enquire with Kotak Mahindra Bank about the list of documents required for Kisan Credit Card (KCC) scheme.

    Interest Rates for Kotak Kisan Credit Card:

    The interest rates for Kotak Kisan Credit Card loans varies from 7% per annum to 14% per annum depending on the cardholder’s operation land holding, cropping pattern and a variety of other factors. The interest rates for Kotak Kisan Credit Card loans are decided by the approving authority. Do enquire with the nearest Kotak bank branch or get in touch with the customer service cell to know the prevailing average interest rate for Kotak Kisan Credit Card loans.

    Kotak Kisan Credit Card FAQ’s:

    1. For what purposes can I use the credit offered by Kotak Kisan Credit Card?

      You can use the credit offered by Kotak Kisan Credit Card for agriculture and other related activities like purchase of sprayers, dairy animals and pump sets.

    2. Can I use Kotak Kisan Credit Card to meet the post-harvest expenses?

      Yes, you can use your Kotak Kisan Credit Card to meet the working capital requirements and post-harvest expenses.

    3. Will I be offered an insurance with Kotak KCC scheme?

      Yes, all Kotak Kisan Credit Card Customers are also eligible for a personal accident insurance scheme offered by the bank.

    4. What are the other allied activities under agriculture that will be covered under Kotak Kisan Credit Card loans?

      Kotak Kisan Credit Card loans are offered for other activities including construction of warehouse, dealers of Agri inputs, fisheries, poultry, cold storage, dairy farming and horticulture activities.

    5. How do I apply for a passbook to track my Kotak Kisan Credit Card expenditures?

      You will get a passbook along with Kotak Kisan Credit Card and hence, you do not have to apply for it separately.

    reTH65gcmBgCJ7k - pingdom check string.
    reTH65gcmBgCJ7k - pingdom check string.
    This Page is BLOCKED as it is using Iframes.