Crop Loan (KCC) & How Much Can You Get?
Funds seed
Enter your crop area and the scale of finance to get your Kisan Credit Card limit — crop cost plus the post-harvest and upkeep allowance, the per-acre limit, and the 5-year card limit.
Your KCC details
Qualifies for interest subvention (≤ ₹3 lakh) — effective ~4% with prompt repayment.
Next: apply at your bank with land records and the ₹1,95,000 working-capital need; draw only what you use to keep interest low.
KCC follows RBI/NABARD norms; scale of finance is set by the district technical committee — confirm with your bank.
Crop loan (KCC) — key facts
- Crop cost
- scale of finance × area
- Ancillary
- ≈ 10% + 20% (≈ 30%)
- Year-1 limit
- crop cost + ancillary + insurance
- Per-area limit
- ≈ 1.3 × scale of finance
- 5-year limit
- 10%/year escalation
- Subvention ceiling
- ₹3 lakh (effective ~4%)
- Validity
- 5 years, annual review
- Privacy
- Runs in your browser; nothing uploaded
Know your credit before you sow
Cultivation needs cash up front — seed, fertiliser, labour, fuel — long before the harvest pays it back. The Kisan Credit Card is built for exactly that: a sanctioned, low-cost limit you draw and repay through the season. But the limit isn't arbitrary; it's the official scale of finance for your crop times your area, plus a fixed allowance for post-harvest, household and upkeep costs. Knowing it in advance lets you plan inputs and avoid costly informal borrowing.
This tool estimates your year-one KCC limit, the per-acre limit, and the five-year card limit, flags whether you fall within the interest-subvention ceiling, and works in 8 currencies. Use it to plan working capital and walk into the bank knowing the number. Pair it with the Cost of Cultivation, Farm Loan EMI and Crop Insurance Premium tools to plan the season's full finances.
Know your limit
The working capital you can expect to be sanctioned.
Plan inputs on credit
Match seed and fertiliser spend to the limit.
See the cheap rate
Check if you're within the subvention ceiling.
Look ahead 5 years
See how the card limit grows each season.
Frequently Asked Questions
How is a crop loan (KCC) limit calculated?+
The base is the scale of finance for your crop multiplied by your area. To that, banks add an allowance for post-harvest and household expenses and for the upkeep of farm assets — commonly about 10% plus 20%. So the year-one limit ≈ (scale of finance × area) × 1.30, plus any crop insurance premium. This tool does it for you.
What is the scale of finance?+
The scale of finance is the per-acre (or per-hectare) cost of cultivation for a crop, fixed each season by the District Level Technical Committee. It reflects typical input costs — seed, fertiliser, labour, etc. Your bank uses it as the basis for the crop loan, so enter the notified figure for your crop and district.
What is the Kisan Credit Card (KCC)?+
The KCC is a revolving short-term credit facility for farmers to meet crop cultivation and allied needs. It gives a sanctioned limit you can draw and repay through the season, usually valid for five years with annual review. Loans up to the ceiling carry interest subvention, making them among the cheapest farm credit available.
Why does the limit increase each year?+
A KCC is typically sanctioned for five years with the limit stepped up about 10% a year to account for the rising cost of cultivation. The tool shows both the year-one limit and the fifth-year limit so you can see how your sanctioned credit grows over the life of the card without reapplying each season.
What is interest subvention?+
Government interest subvention lowers the effective rate on crop loans up to a ceiling (₹3 lakh in India): a 2% subvention plus a 3% prompt-repayment incentive can bring the effective rate to around 4% a year. The tool flags whether your limit falls within the subvention ceiling so you know if the cheap rate applies.
Does adding crop insurance change my limit?+
Yes — the crop insurance premium (for example under PMFBY) can be built into the loan, so the tool lets you add it to the year-one limit. Loanee farmers are usually enrolled in crop insurance automatically, with the premium financed as part of the KCC.
How much crop loan can I get per acre?+
Roughly the scale of finance per acre plus the post-harvest/upkeep allowance — so about 1.3× the scale of finance per acre. The tool shows this per-area limit directly, which is handy for comparing across crops or planning how much land to crop on credit.
What documents do I need to apply?+
Typically proof of identity and address, land records or a cultivation certificate showing the area and crop, passport photos, and bank account details. Tenant farmers and sharecroppers may need additional documents. Apply at your bank branch, a banking correspondent, or the relevant online KCC portal.
Can I use this outside India?+
The structure (cost of cultivation × area plus allowances) applies to crop/working-capital loans anywhere; the KCC names, subvention and ceiling are India-specific. Choose your currency and enter your local per-area finance figure to estimate a working-capital need in any country.
Is this an official sanction?+
No — it's a planning estimate. Actual KCC limits follow RBI/NABARD norms and your bank's appraisal, and the scale of finance is set locally each season. Use this tool to know roughly what to expect and to plan your working capital, then confirm with your bank.