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Kotak Bank Kisan Credit Card

The 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. This scheme was enforced 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.

Updated On - 05 Sep 2025

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.

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Features and Benefits of Kotak Kisan Credit Card

Kotak Kisan Credit Card offers an array of advantages for farmers who 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).

  1. Multipurpose Card: Kotak Kisan Credit Card can be used for the following needs and purposes.
    1. To meet the credit requirements of post-harvest requirements.
    2. To meet the short term financial needs for cultivation of crops.
    3. Investment Credit Requirements for agriculture and other allied activities including expenses for sprayers, pump sets and dairy animals.
    4. Working capital requirements for maintenance of farm activities and assets related to agriculture including inland fisheries and dairy animals.
    5. Expenses related to consumption requirement of farmer household.
  2. 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.
  3. 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.
  4. 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 the savings bank rate. These features will offer more financial flexibility to the cardholder.
  5. Processing Fee Waiver: For Kisan Credit Card loans up to Rs. 3 lakhs, the processing fee will be waived off.
  6. Passbook: Kotak Kisan Credit Card customers will be offered a passbook which will have details of cardholder’s name, credit limit and transaction information.
  7. Personal Accident Insurance: Kotak Kisan Credit cardholders will also be able to apply for personal accident insurance scheme at nominal premium rates.
Kotak Kisan Credit Card
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Eligibility for Kotak Kisan Credit Card

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

  1. Minimum age: 18 years
  2. Maximum age at the end of loan tenure: 75 years
  3. If the loan applicant is exceeding 60 years of age, he/she would require a co-borrower who is immediate family member or legal heir.
  4. For up to 5 people, joint holding at single or multiple locations is permitted.

Who Can Apply for Kotak Bank Kisan Credit Card?

The following can apply for Kotak Bank Kisan credit card:

  1. All farmers, joint borrowers and individuals who are owner cultivators can apply for Kotak Kisan Credit Card.
  2. Oral lessees, tenant farmers and share croppers can apply for Kotak Kisan Credit Card.
  3. Joint Liability Groups (JLGs) and Self-Help Groups (SHGs) of farmers including share croppers and tenant farmers can apply for Kotak Kisan Credit Card.
  4. 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.

Kisan Credit Cards By Top Banks
  1. Kisan Credit Card
  2. SBI Kisan Credit Card
  3. HDFC Kisan Credit Card
  4. Axis Bank Kisan Credit Card
  5. IDBI Kisan Credit Card
  6. PNB Kisan Credit Card
  7. Canara Bank Kisan Credit Card
  8. Bank of Baroda Kisan Credit Card
  9. Bank of India Kisan Credit Card
  10. Indian Bank Rupay Kisan Credit Card
  11. Union Bank of India Kisan Credit Card

Documentation for Kotak Kisan Credit Card

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

  1. Completely filled application form with passport size photographs
  2. Identity Proof - documents like Voter's Identity Card, PAN Card, PAN Card and NREGA Card
  3. Address Proof - documents like Aadhar card and ration card
  4. Documents of land holdings, if any
  5. 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.

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Fees and Charges of Kotak Bank Kisan Credit Card

The fees and charges of Kotak Bank Kisan credit card is as follows:

Fees/ charges types

Amount charged

Processing fee

Up to 2% of the sanctioned limit

Term loan foreclosure charges

3% on outstanding balance

Documentation charges

Rs.5000

Rate of interest

Minimum: Current MCLR  Maximum: 24%

Collection charges

30.00% of additional interest

Swap charges

Rs.1000

Fees to furnish credit rating report copy

Rs.1000

Loan cancellation charges

Rs.2500 per agreement

Collateral part release

Rs.3000 per property

Minimum limit utilisation charges

Rs.10,000

Minimum churning charges

Rs.10000

Stock statement submission delay

Rs.5000 per month

How to Apply for Kotak Kisan Credit Card Online?

Follow the steps mentioned below to apply for the Kisan credit card online:

Step 1: Visit the official Kotak bank website

Step 2: Check the option for Kisan credit card

Step 3: Click on 'Apply' button

Step 4: Fill in the form with the required details

Step 5: Click on Submit

Once the application is submitted, check the reference number generated by the system and note it for future use.

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How to Apply for Kotak Kisan Credit Card Offline?

You can visit the nearest Kotak Bank branch and apply for this credit card. To do so you will have to ask for the Kisan credit card application form and submit it with the required details and documents.

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.

FAQs on Kotak Kisan Credit Card

  • 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.

  • 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.

  • 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.

  • 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.

  • 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.

  • How much is the validity period of a Kotak Bank Kisan card?

    The Kotak Bank Kisan credit card is valid for a period of five years.

  • Is it possible for farmers to get a loan using Kisan credit card?

    Farmers can avail themselves of a loan up to Rs.3 lakh using the Kisan credit card.

  • Can the Agri loan customers avail themselves of the mobile banking facility?

    Yes, Kotak Bank does provide the option to bank on their mobiles to maintain their loan accounts.

  • How much is the age eligibility criteria to avail Kisan credit card?

    The minimum age required to avail Kisan credit card is 18 years and the maximum age allowed to avail the credit card is 75 years.

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