Kisan Credit Card
Every KCC limit set from land records and the district scale of finance in minutes, ready to sanction.
Why it matters
Branches work out KCC limits by hand from RoR extracts, sown area and the district scale of finance, and interest subvention and crop insurance details are often missed.
How the solution handles it
Agents read the land records, check ownership and area against the crops sown, apply the district scale of finance plus the 10% household and 20% farm-maintenance add-ons, and flag subvention and insurance eligibility. The branch manager sanctions the limit.
How a KCC application moves
Five agents read land records, check crops and area, calculate the limit, check subvention and insurance and draft the note; a branch manager sanctions the limit.
What it reads, and what it hands back.
What goes in
- Land records (RoR, 7/12, Khatauni)
- Crops sown and area
- District scale of finance (DLTC)
- KYC and bureau report
- PMFBY enrolment
What comes out
- KCC limit sheet (crop + 10% + 20%)
- Land and ownership check
- Subvention eligibility flag
- Sanction note draft
Who uses it
The difference, in numbers.
Every figure is labelled: a target the solution is built to, an estimate, a typical published result, or a proven one.
Sources: RBI Master Circular, KCC (scale of finance × area + 10% + 20%) · MISS 2025–26 (₹3 lakh, 7%, 3% prompt repayment) · “Target” = design goal, measured in the live solution · “Estimated” = our estimate
5 specialist agents. One person decides.
More in this division.
Every farm’s returns and balance sheet spread into accrual income and coverage ratios, each number cited.
Crop & InsuranceEvery crop plan tied to APH yields and the insurance policy, so the line rests on insured revenue.
Farmland AppraisalEvery farmland appraisal reviewed for support, comps and income value, with every finding cited to its page.
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