Kisan Credit Card (KCC) in Telangana
KCC provides revolving credit up to ₹3 lakh at 4% effective interest per year (7% rate minus 3% interest subvention). Crop loan component up to ₹1.6 lakh is interest-free for timely repayment.
Eligibility in Telangana
- Telangana farmers can apply at any nationalized, cooperative, or RRB branch operating in the state
- PM-KISAN beneficiaries can apply for KCC without fresh income proof at any bank
- 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 Telangana
- 1Visit your nearest bank branch in Telangana
Any nationalized bank, cooperative bank, or Regional Rural Bank (like Andhra Pradesh Grameena Vikas Bank or Telangana Grameena Bank) operating in Telangana issues KCC.
- 2Submit KCC application with documents
Submit completed KCC form with Aadhaar, land records (Pahani), passport photos, and crop cultivation proof. For PM-KISAN beneficiaries, the application can be simplified.
- 3Bank conducts land and credit verification
The bank verifies land ownership, existing loans, and credit history. A field inspection may be conducted for larger loan amounts.
- 4Receive KCC with credit limit
Credit limit = short-term crop loan need + maintenance expenses + allied activity credit. Limit is reviewed annually and can be increased by 10% each year.
- 5Use ATM card for withdrawals
KCC comes with a RuPay debit card valid for 5 years. Withdraw as needed, repay after harvest, and reuse within the credit limit.
Whom to Contact in Telangana
Apply only through the official state portal. NaPanta does not process applications - we only provide information.
Other Government Schemes in Telangana
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) - Telangana 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 get a Kisan Credit Card in Telangana?
Visit any nationalized bank, cooperative bank, or Regional Rural Bank (Andhra Pradesh Grameena Vikas Bank, Telangana Grameena Bank) in Telangana. Submit a completed KCC application with Aadhaar, land records (Pahani), crop cultivation proof, and passport photos. PM-KISAN beneficiaries can apply with a simplified process.
What is the interest rate for KCC in Telangana?
The effective interest rate for KCC crop loans up to ₹3 lakh is 4% per year (7% bank rate minus 3% government interest subvention). For timely repayment within one year, the crop loan portion up to ₹1.6 lakh effectively becomes interest-free. Amounts above ₹3 lakh are at the bank's card rate.
What is the KCC credit limit for Telangana farmers?
The KCC credit limit is calculated based on your crop cultivation area, input costs, post-harvest storage needs, and allied activity expenses. It is reviewed every year and can be increased by 10% for each subsequent year for consistent repayment.
Can PM-KISAN beneficiaries get KCC in Telangana?
Yes. PM-KISAN beneficiaries in Telangana can apply for KCC at their bank with a simplified application process — no fresh income proof is needed, just Aadhaar, land records, and the PM-KISAN beneficiary registration number.
Which banks issue KCC in Telangana?
All nationalized banks (SBI, Bank of Baroda, Canara Bank, etc.), cooperative banks, and Regional Rural Banks operating in Telangana (Andhra Pradesh Grameena Vikas Bank, Telangana Grameena Bank) issue Kisan Credit Cards. You can apply at the branch nearest to your land.
What is the repayment period for KCC in Telangana?
KCC crop loans must be repaid after each harvest season — typically within 12 months of each drawdown. The revolving credit facility means the amount becomes available again once repaid. The KCC itself is valid for 5 years and is renewed after credit review.
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 Telangana state portal before proceeding. NaPanta (FarmGreen Agritech India Private Limited) is not affiliated with any government ministry or state agency.