•   The Kisan Credit Card scheme is a Government of India scheme which provides farmers with timely access to credit.

•   The Kisan Credit Card (KCC) scheme was launched in 1998 with the aim of providing short-term formal credit to farmers and was created by NABARD (National Bank for Agriculture and Rural Development).

The scheme aims at providing adequate and timely credit for the comprehensive credit requirements of farmers under single window for their cultivation and other needs as indicated below:

•   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, activities allied to agriculture, like dairy animals, inland fishery and also working capital required for floriculture, horticulture etc.

•   Investment credit requirement for agriculture and allied activities.

•   Short term credit requirements of rearing of animals, birds, fish, shrimp, other aquatic organisms, capture of fish.

•   Construction of family house and purchase of combine harvesters are not covered in KCC scheme.