How Can I Apply for a Kisan Loan? | PM Kisan loan

Applying for a PM Kisan loan can be a game-changer for many farmers, providing the financial support needed to enhance agricultural productivity. Whether you’re a small-scale farmer or managing a large farm, understanding how to apply for a Kisan loan can open doors to numerous opportunities. In this guide, we’ll break down everything you need to know about applying for a Kisan loan, including eligibility criteria, necessary documents, application processes, and more.

What is a Kisan Loan?

A Kisan loan, also known as a Kisan Credit Card (KCC) loan, is a type of credit facility provided to farmers in India. The primary aim is to offer short-term credit to cover the cultivation and other needs, like purchasing seeds, fertilizers, and pesticides, and meeting the day-to-day expenses of farming. This loan helps farmers maintain their cash flow, ensuring they can manage their operations smoothly throughout the year.

Eligibility Criteria for PM Kisan Loan

Age Requirements

To be eligible for a PM Kisan loan, applicants must typically be between the ages of 18 and 75. This ensures that the farmer is legally an adult and physically capable of managing agricultural activities.

Land Ownership Requirements

Applicants must own agricultural land. The size and location of the land can influence the loan approval process. Joint landowners or tenant farmers may also apply, provided they can demonstrate their farming activities and income from agriculture.

Agricultural Activity Requirements

Farmers need to be actively engaged in agricultural practices. This includes cultivating crops, maintaining orchards, or other related activities. Proof of ongoing agricultural activities is often required during the application process.

The Limit of Kisan Credit Loan

Maximum Loan Amount

The limit for a Kisan credit loan can vary significantly based on several factors. Typically, the maximum loan amount ranges from INR 50,000 to INR 3,00,000 for regular crop cultivation. For high-value crops or specialized farming, the limit can go even higher.

Factors Influencing Loan Limit

Several factors can influence the maximum loan limit, including the type of crop being cultivated, the total area under cultivation, the farmer’s credit history, and the bank’s policies. Banks also consider the farmer’s ability to repay the loan when determining the credit limit.

Required Documents for PM Kisan Loan

Personal Identification Documents

Applicants must provide valid personal identification documents, such as an Aadhaar card, PAN card, or voter ID. These documents help verify the applicant’s identity and residency status.

Land Ownership Documents

Proof of land ownership is crucial for securing a Kisan loan. This includes land deeds, tax receipts, or other legal documents that establish ownership or tenancy rights.

Bank Account Details

Farmers need to provide their bank account details, including the account number and IFSC code. This is necessary for the disbursement of the loan amount and for any subsequent transactions related to the loan.

How to Apply for PM Kisan Loan

Online Application Process

Applying for a Kisan loan online is a convenient option for many farmers. Here’s a step-by-step guide to help you through the process:

Step-by-Step Guide

  1. Visit the Official Website: Go to the official website of the bank offering the Kisan loan.
  2. Register/Login: Create an account or log in if you already have one.
  3. Fill Out the Application Form: Provide all required details, including personal information, land details, and farming activities.
  4. Upload Documents: Upload scanned copies of necessary documents, such as ID proof, land ownership proof, and bank details.
  5. Submit the Application: Review all the information and submit the application form.
  6. Track Application Status: Use the application number to track the status of your application online.

Offline Application Process

For those who prefer the traditional method, here’s how you can apply offline:

Visiting the Bank

  1. Visit the Nearest Bank Branch: Go to the nearest branch of the bank where you wish to apply for the loan.
  2. Collect the Application Form: Ask for the Kisan loan application form at the customer service desk.
  3. Fill Out the Form: Complete the form with accurate information.
  4. Attach Documents: Attach photocopies of the required documents.
  5. Submit the Form: Submit the completed form along with the documents to the bank official.
  6. Follow Up: Keep in touch with the bank for updates on your application status.

Using the PM Kisan Loan Calculator

Output FieldCalculated ValueDescription
Total Cost of CultivationINR 70,000Calculated as (Land Area * Cost of Cultivation) + Other Expenses.
Estimated Loan AmountINR 70,000The total amount you can borrow based on the inputs provided.
Interest Rate7%The applicable interest rate for the loan.
Monthly InstallmentINR 6,154The monthly repayment amount calculated based on the loan amount and repayment period.
Total Repayment AmountINR 73,848The total amount to be repaid over the loan period, including interest.

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Applying for a Kisan loan doesn’t have to be a daunting process. By understanding the eligibility criteria, gathering the necessary documents, and following the application steps, you can secure the financial support needed to enhance your agricultural operations. Whether you choose to apply online or offline, the key is to ensure all your documents are in order and you meet the eligibility requirements.


Who is eligible for the PM Kisan loan?

Farmers aged between 18 and 75 who own or lease agricultural land and are actively engaged in farming activities are eligible for the PM Kisan loan.

What is the limit of the Kisan credit loan?

The loan limit typically ranges from INR 50,000 to INR 3,00,000 for regular crop cultivation, with higher limits for high-value crops or specialized farming.

What documents are required for the PM Kisan loan?

Applicants need to provide personal identification documents, proof of land ownership, and bank account details to apply for the PM Kisan loan.

How to apply online for the PM Kisan loan?

Farmers can apply online by visiting the bank’s official website, filling out the application form, uploading necessary documents, and submitting the form. They can also track the status of their application online.

How does the PM Kisan loan calculator work?

The loan calculator helps estimate the eligible loan amount based on inputs like land area, crop type, and expected yield. It provides a clear picture of the loan amount and repayment schedule.

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