KCC Interest Calculator
Last Updated: 8 April 2026
Prompt Repayment
3% Interest Subvention
Standard Rate
7% APR for limits up to ₹3 Lakhs.
Incentive
Pay within due date to enjoy effective 4% rate.
PAIS Portal
Interest subvention is handled via DBT (Direct Benefit Transfer).
What is KCC (Kisan Credit Card) Interest Calculator 2025?
The Mathematical Formula
Interest = (Principal * Rate * Time) / 100 | Effective Rate = 4% for prompt repayment, 7% standard.
📊 Practical Example
"If a farmer takes a KCC loan of ₹1,00,000 for 12 months and pays on time: The interest will be ₹4,000 (at 4%) instead of ₹7,000 (at 7%)."
⚠️ Common Mistake
Frequently Asked Questions
Q.What is the interest rate for KCC loans in India?
The benchmark interest rate for KCC loans is 9%, but the Central Government provides a 2% interest subvention, making it 7%. For farmers who repay on or before the due date, an additional 3% incentive is provided, making the effective rate 4%.
Q.Who is eligible for Kisan Credit Card?
All farmers (Individual/Joint borrowers), tenant farmers, oral lessees, sharecroppers, and Self Help Groups (SHGs) involved in agriculture and allied activities are eligible.
Q.What is the maximum limit of a KCC loan?
The limit is based on the operational land holding, cropping pattern, and scale of finance. For loans up to ₹1.60 Lakh, no collateral is required. Total limits can go much higher with collateral.
Q.Can KCC be used for animal husbandry or fisheries?
Yes. The KCC scheme has been extended to include farmers involved in animal husbandry, poultry, and fisheries with similar interest subvention benefits.
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