📖 Scheme Overview & Key Details
PNB Kisan Credit Card scheme provides timely and hassle-free financial credit to farmers to meet their crop cultivation expenses, post-harvest costs, farm maintenance, and allied agricultural needs. PNB offers credit limits up to ₹1.60 Lakh without any collateral requirement. Borrowers who repay their agricultural credit promptly enjoy a 3% interest subvention from the Central Government, lowering the effective interest rate to just 4% per annum. Farmers also receive a free PNB KCC RuPay ATM card for easy cash withdrawals.
✅ Who Can Apply – Eligibility Criteria
•Individual or joint farmer cultivators, tenant farmers, sharecroppers, and Self-Help Groups (SHGs) of farmers
•Applicant must own or cultivate agricultural land verified by state land revenue records
📄 Required Documents – What You Need
📋 How to Apply – Step‑by‑Step Process
Step 1: Visit the nearest PNB branch or apply through the PNB One mobile banking application.
Step 2: Fill in the KCC loan application form and submit certified land ownership documents.
Step 3: The branch sanctions credit limit and issues a PNB KCC RuPay Debit Card for instant withdrawals.
📞 Help & Support – Official Contacts
Helpline / Support Office
18001802222 / care@pnb.co.in