Description : This scheme helps farmers to access timely and adequate credit. With this card, the farmers can have cash credit facilities without repeatedly going through time-consuming bank credit screening processes. It is issued to farmers based on their holdings so that farmers may use them to readily purchase agriculture inputs such as seeds, fertilizers, pesticides etc and draw cash for their production needs. The credit support may be used for to meet the short term credit requirements for cultivation of crops, post-harvest expenses, produce marketing loan, consumption requirements of farmer household, working capital for maintenance of farm assets and activities allied to agriculture and investment credit requirement for agriculture and allied activities. Commercial Banks, RRBs, Small Finance Banks and Cooperatives implement the scheme. This scheme provides credit to the farmer up to Rs. 3 lakh, if farmer repaid his/her amount timely then 3% interest subvention given to the farmers.Eligibility : 1. All farmers-individuals/Joint borrowers who are owner cultivators. 2. Tenant farmers, Oral lessees and Share Croppers etc. 3. SHGs or Joint Liability Groups of farmers including tenant farmers, share croppers etc. 4. Should have a bank account 5. Age should be above 18 yearsProcess : 1. The farmer needs to visit the nearest bank branch and fill the adequate documents to be able to avail the benefits of the scheme. 2. One time documentation at the time of first availment is required and thereafter simple declaration about crops raised/proposed by the farmer. 3. KCC are issued to the farmers on the basis of their land holdings and other criteria such as timely payment of past credits etc. 4. Banks may determine the validity period of KCC and its periodic review. 5. Card valid for 3 years subject to annual review. 6. For all farmers except marginal farmers, branches may at their discretion fix appropriate sub-limits within the overall credit limit sanctioned, taking into account the seasonality in credit requirements. Separate sub-limits for short term cash credit limit cum savings account and term loans. The credit limit will increase over 5 years considering cost escalations. Short term crop loans upto ₹ 3 lakh are covered under Interest Subvention Scheme/Prompt Repayment Incentive scheme of the Government of India. 7. For marginal farmers, a flexible limit of ₹ 10, 000 to ₹ 50, 000 provided (as Flexi KCC) based on the land holding and crops grown including post-harvest warehouse storage related credit needs and other farm expenses, consumption needs, etc., plus small term loan investment without relating it to the value of land. 8. As incentive for good performance, credit limits could be enhanced to take care of increase in costs, change in cropping pattern, etc. The short term component of the KCC limit is in the nature of revolving cash credit facility. There are no restriction in number of debits and credits.Benefit : Single credit facility/term loan for all agricultural requirements