తెలంగాణలో కిసాన్ క్రెడిట్ కార్డ్ (కేసీసీ)
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.
తెలంగాణలో అర్హత
- 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
అవసరమైన పత్రాలు
- Aadhaar card (mandatory)
- Address proof — Aadhaar, ration card, or utility bill
- Land ownership proof — land records (7/12, Khatauni, Patta)
- Crop details — type, cultivated area, and season
- Passport-size photographs (2–4 copies)
- Cancelled cheque or existing bank account statement
- For tenant farmers: tenancy agreement or landowner declaration
తెలంగాణలో కిసాన్ క్రెడిట్ కార్డ్ (కేసీసీ) కోసం దరఖాస్తు ఎలా చేయాలి
- 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.
తెలంగాణలో సంప్రదించాల్సిన వారు
అధికారిక రాష్ట్ర పోర్టల్ ద్వారా మాత్రమే దరఖాస్తు చేయండి. నాపంట దరఖాస్తులను ప్రాసెస్ చేయదు.
ఆంధ్రప్రదేశ్లో కిసాన్ క్రెడిట్ కార్డ్ (కేసీసీ)
Source: Reserve Bank of India KCC circulars, NABARD operational guidelines, and Ministry of Agriculture revised KCC scheme 2012 (as amended) - Telangana రాష్ట్ర పోర్టల్ మరియు రాష్ట్ర గజెట్. Updated: ప్రతి నాలుగు నెలలకు పరిశీలించబడుతుంది · 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.
నిరాకరణ: సమాచార ప్రయోజనాల కోసం మాత్రమే. సబ్సిడీ రేట్లు, గడువులు మరియు నోడల్ సంప్రదింపులు అధికారిక రాష్ట్ర పోర్టల్‌ల నుండి సేకరించబడ్డాయి మరియు ప్రతి ఆర్థిక సంవత్సరం నోటీసు లేకుండా మారవచ్చు. ఈ సమాచారంపై ఆధారపడి తీసుకున్న నిర్ణయాల వల్ల కలిగే నష్టానికి నాపంట బాధ్యత వహించదు. ముందుకు వెళ్ళే ముందు అధికారిక Telangana రాష్ట్ర పోర్టల్‌లో ప్రస్తుత నిబంధనలు తప్పనిసరిగా ధృవీకరించండి. నాపంట ఏ ప్రభుత్వ మంత్రిత్వ శాఖతోనూ అనుబంధం లేదు.