Know everything about Kisan Credit Card Loan Interest Rate SBI 2025 – Latest interest rates, eligibility, subsidy, documents required & how to apply online for SBI KCC loan.
🌾 Kisan Credit Card Loan Interest Rate SBI 2025 – Complete Guide for Farmers
Agar aap ek kisan hain aur apne kheti ke liye loan lena chah rahe hain, to Kisan Credit Card Loan Interest Rate SBI ke baare me jaanna bahut zaroori hai. State Bank of India (SBI) India ka sabse bada public sector bank hai, aur ye apne Kisan Credit Card (KCC) Scheme ke through kisano ko easy, fast aur affordable credit facility provide karta hai.
Is article me hum detail me samjhenge – Kisan Credit Card Loan Interest Rate SBI kya hai, eligibility, documents, repayment rules, benefits aur kaise apply karein.
🏦 Kisan Credit Card Loan Kya Hai?
Kisan Credit Card (KCC) ek government-backed loan scheme hai jo 1998 me NABARD ke saath milkar launch ki gayi thi. Iska main aim hai kisano ko short-term credit facility dena taaki wo apne agricultural needs jaise seeds, fertilizers, pesticides, diesel aur irrigation expenses cover kar saken.
State Bank of India is scheme ke sabse bade participants me se ek hai. Kisan Credit Card Loan Interest Rate SBI kisano ke liye sabse competitive aur subsidized rate par milta hai.
💰 Kisan Credit Card Loan Interest Rate SBI 2025
SBI apne KCC loan par bahut hi nominal interest rate charge karta hai. Yahan neeche 2025 ke latest rate diye gaye hain 👇
| Loan Type | Interest Rate | Effective Rate (with Subsidy) | Remarks |
|---|---|---|---|
| Crop Loan (Up to ₹3 lakh) | 7.00% p.a. | 4.00% p.a.* | 3% Govt Interest Subvention |
| Above ₹3 lakh | 8.00% – 10.00% p.a. | As applicable | Based on profile |
| Allied Activities (Dairy, Poultry etc.) | 8.50% – 9.50% p.a. | N/A | Depends on project |
| Farm Equipment Loan | 8.00% – 10.50% p.a. | N/A | Collateral required |
💡 Agar borrower apna loan time par repay karta hai, to usse 3% interest subvention milta hai. Matlab practical Kisan Credit Card Loan Interest Rate SBI sirf 4% tak ho jata hai.
🌱 Example – Kisan Credit Card Loan Interest Rate SBI Calculation
Man lijiye aapko SBI se ₹2 lakh ka Kisan Credit Card Loan milta hai 7% interest rate par. Agar aap loan ek saal me repay kar dete hain, to:
➡️ Total Interest = ₹2,00,000 × 7% = ₹14,000
➡️ After 3% Subvention = ₹2,00,000 × 4% = ₹8,000
Yaani aap ₹6,000 tak ka interest bacha sakte hain. Ye subsidy government ke taraf se milti hai timely repayment karne par.
📋 Eligibility Criteria – Kisan Credit Card Loan SBI
Kisan Credit Card Loan Interest Rate SBI scheme ke liye ye eligibility conditions apply hoti hain:
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Applicant Indian citizen hona chahiye
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Farmer, tenant cultivator, sharecropper eligible hain
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Minimum age: 18 years
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Maximum age: 70 years
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Clean repayment history required
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Land ownership proof (Jamabandi, Khatauni, etc.) hona chahiye
🧾 Documents Required for Kisan Credit Card Loan SBI
Loan apply karne ke liye ye documents mandatory hain:
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Aadhaar Card
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PAN Card
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Voter ID / Driving License (as ID proof)
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Address proof (Electricity Bill / Ration Card)
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Land ownership papers
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Recent passport size photos
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Bank account statement
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Duly filled KCC application form
💳 Kisan Credit Card Loan Limit – SBI
Loan limit decide hoti hai land area aur crop type ke hisaab se.
| Land Area | Approx. Limit | Tenure |
|---|---|---|
| 1 Acre | ₹25,000 – ₹50,000 | 1 year |
| 3 Acres | ₹75,000 – ₹1,50,000 | 3 years |
| 5 Acres | ₹2,00,000+ | 5 years |
Aapka Kisan Credit Card Loan Interest Rate SBI tabhi low rahega jab aapka repayment record clean ho aur subsidy apply ho sake.
🏁 How to Apply for Kisan Credit Card Loan SBI
Aap Kisan Credit Card Loan SBI ke liye dono mode me apply kar sakte hain – online aur offline.
🔹 1. Offline Process:
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Nearest SBI branch me visit karein
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KCC form fill karein
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Documents attach karein
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Land details aur crop pattern verify hota hai
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Loan sanction hone ke baad aapko KCC card milta hai
🔹 2. Online Process:
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Visit karein https://sbi.co.in
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“Agriculture / Rural Finance” section me jayein
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“Kisan Credit Card” pe click karein
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Application form fill karein
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Submit karein aur branch follow-up kare
⚙️ Repayment Terms
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Tenure: 12 months to 5 years
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Repayment after crop harvest
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Flexible repayment facility
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Timely payment pe 3% interest subsidy
Agar aapka record consistent hai, to future me SBI aapki limit increase bhi kar deta hai.
🎯 Benefits of Kisan Credit Card Loan SBI
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Low Interest Rate: Starting from 7% p.a.
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Subsidy: 3% government interest subvention
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Easy Repayment: Harvest ke baad repay kar sakte ho
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Insurance Cover: Crop & borrower insurance included
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Flexible Limit: Land size ke hisaab se increase hoti hai
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Instant Cash Access: Card se cash withdrawal possible
📊 Comparison – Kisan Credit Card Loan Interest Rate SBI vs Other Banks
| Bank | Interest Rate | Effective Rate | Subsidy |
|---|---|---|---|
| SBI | 7% | 4% (with subsidy) | ✅ Yes |
| PNB | 7.25% | 4.25% | ✅ Yes |
| HDFC | 8.5% | 8.5% | ❌ No |
| Axis | 8.75% | 8.75% | ❌ No |
Clearly, Kisan Credit Card Loan Interest Rate SBI sabse affordable aur subsidy-backed scheme hai.
📱 SBI Kisan Credit Card Renewal
KCC card ko har 3-5 saal me renew karna hota hai. Renewal ke time:
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Crop pattern aur yield verify hoti hai
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Loan limit revise hoti hai
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New subsidy apply hoti hai
Agar aapka repayment history accha hai, to SBI automatically aapka Kisan Credit Card Loan Interest Rate aur limit adjust karta hai.
❓ FAQ – Kisan Credit Card Loan Interest Rate SBI
Q1. Kisan Credit Card Loan Interest Rate SBI kya hai?
👉 7% per annum, aur time par repayment karne par effective 4%.
Q2. SBI KCC ke liye minimum aur maximum loan limit kya hai?
👉 ₹10,000 se lekar ₹3 lakh tak easily mil sakta hai.
Q3. KCC loan online apply kar sakte hain kya?
👉 Haan, SBI ki official website se apply kar sakte hain.
Q4. Kisan Credit Card Loan Interest Rate SBI par subsidy kaise milti hai?
👉 Agar aap time par repayment karte hain to government 3% subsidy deti hai.
Q5. KCC card ka tenure kitna hota hai?
👉 12 months to 5 years depending on crop cycle.
✅ Conclusion
Aaj ke time me har kisan ke liye Kisan Credit Card Loan Interest Rate SBI sabse affordable aur reliable financial option hai. Low interest rate, timely subsidy, aur easy documentation ke saath SBI ka KCC scheme kisano ko self-reliant banata hai.
Agar aap kheti me paisa invest karna chahte hain aur flexible repayment chahte hain, to Kisan Credit Card Loan SBI perfect choice hai.
⚠️ Investment & Loan Disclaimer
Ye article sirf educational purpose ke liye hai. “Kisan Credit Card Loan Interest Rate SBI” aur other financial details time ke sath change ho sakte hain. Loan lene se pehle SBI ki official website ya nearest branch se latest details confirm kar lein. Hum kisi bhi financial decision ke liye zimmedar nahi hain.
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