Kisan Credit Card (KCC) in Andhra Pradesh
KCC offers revolving crop credit up to ₹3 lakh at 4% effective interest (7% minus 3% interest subvention). AP farmers benefit from additional state-level interest relief under AP Rythu Bharosa and cooperative bank schemes.
Eligibility in Andhra Pradesh
- AP farmers can apply at nationalized banks, AP cooperative banks, or AP Grameena Vikas Bank branches
- AP Rythu Bharosa PM-KISAN beneficiaries qualify for simplified KCC application
- All farmers — owner-cultivators, tenant farmers, sharecroppers and oral lessees
- Self Help Groups (SHGs) and Joint Liability Groups (JLGs) of farmers
- Fishermen, fish farmers, poultry and dairy farmers for allied activities
- No minimum land holding requirement; limit calculated on actual cultivated area
Documents Required
| # | Document |
|---|---|
| 1 | Aadhaar card (mandatory) |
| 2 | Address proof — Aadhaar, ration card, or utility bill |
| 3 | Land ownership proof — land records (7/12, Khatauni, Patta) |
| 4 | Crop details — type, cultivated area, and season |
| 5 | Passport-size photographs (2–4 copies) |
| 6 | Cancelled cheque or existing bank account statement |
| 7 | For tenant farmers: tenancy agreement or landowner declaration |
How to Apply for Kisan Credit Card (KCC) in Andhra Pradesh
- 1Visit a bank branch near your village in AP
Nationalized banks, District Co-operative Central Banks (DCCB), and AP Grameena Vikas Bank all issue KCC. Choose the bank where you hold a savings account or have an existing loan.
- 2Submit KCC application and documents
Bring Aadhaar, land records (Adangal/1-B), crop cultivation proof, passport photos. PM-KISAN beneficiaries can use a simplified form.
- 3Bank verifies land and sets credit limit
Credit limit is based on crop input costs, allied activities and maintenance. A 10% annual increase applies for good repayment.
- 4Collect your RuPay KCC ATM card
Use it to withdraw funds from any ATM or bank counter. Repay after harvest to restore the full credit limit.
- 5Renew KCC every 5 years
KCC is valid for 5 years subject to annual review. Submit updated land records and crop plan at renewal.
Whom to Contact in Andhra Pradesh
Apply only through the official state portal. NaPanta does not process applications - we only provide information.
Other Government Schemes in Andhra Pradesh
Crop Insurance
Farmer Welfare
Irrigation
Organic Farming
Agri Finance & Credit
Loans, crop insurance and investment norms — NABARD unit costs, PMFBY rates and KCC interest.
Weather & Crop Advisories
District-level agromet advisories combining IMD 5-day weather forecasts with crop-specific pest, disease and irrigation recommendations.
Agriculture News
Daily updates on mandi price movements, scheme announcements, weather advisories and crop-wise reports from state agriculture departments.
Agri Input Dealers
Find licensed seed, fertilizer and pesticide dealers near you.
Source: Reserve Bank of India KCC circulars, NABARD operational guidelines, and Ministry of Agriculture revised KCC scheme 2012 (as amended) - Andhra Pradesh state portal and state gazette notifications. Updated: reviewed quarterly and updated within 48 hours of any state budget or ministry notification change · Report an error
Frequently Asked Questions
How do I apply for Kisan Credit Card in Andhra Pradesh?
Visit any nationalized bank, DCCB, or AP Grameena Vikas Bank branch in Andhra Pradesh. Submit a KCC application with Aadhaar, Adangal or 1-B land records, crop sown certificate, and passport-size photos. PM-KISAN beneficiaries can apply via a simplified process.
What is the KCC interest rate in Andhra Pradesh?
KCC crop loans up to ₹3 lakh carry an effective interest rate of 4% per year (7% bank rate minus 3% central government subvention). Timely repayment within 12 months may qualify for additional state-level interest relief under AP schemes. Amounts above ₹3 lakh are at the bank's prevailing rate.
Which banks offer KCC in Andhra Pradesh?
SBI, Andhra Bank (now Union Bank), Canara Bank, Indian Bank, and other nationalized banks, as well as District Co-operative Central Banks (DCCB) and AP Grameena Vikas Bank, all issue Kisan Credit Cards in Andhra Pradesh.
What is the KCC credit limit for AP farmers?
KCC credit limit in AP is based on crop input costs (seeds, fertilizers, pesticides, labour) for your cultivated area, post-harvest expenses, and any allied activity credit. It is typically reviewed and can be increased by 10% each subsequent year for consistent repayment.
Does AP have any additional interest subsidy on KCC?
The central government provides a 3% interest subvention bringing crop loan rates to 4%. The AP state government may additionally offer interest relief under its Rythu Bharosa program. Check with your bank or district agriculture office for the current year's state subvention details.
How do I renew my KCC in Andhra Pradesh?
KCC is valid for 5 years. Renew at your issuing bank branch by submitting updated land records (Adangal), crop details for the next season, and Aadhaar. Annual internal review by the bank is done automatically for each season's drawdown.
Disclaimer: For information purposes only. Subsidy rates, deadlines, and nodal contacts are sourced from official state portals and may change each financial year without notice. NaPanta bears no liability for any loss or inconvenience arising from reliance on this information. Always verify current terms at the official Andhra Pradesh state portal before proceeding. NaPanta (FarmGreen Agritech India Private Limited) is not affiliated with any government ministry or state agency.