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Agri-Finance & Market Calculators

KCC Loan Limit & Interest Calculator

Calculate your eligible Kisan Credit Card short-term limit from the Scale of Finance, and the interest you save with prompt repayment (effective 4%).

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Fixed by your district's technical committee for each crop – ask your bank. If it is per hectare, divide by 2.471.

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Added to the limit.

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Crop loans are due within 12 months.

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Was ₹3 lakh; the 2025-26 Union Budget announced ₹5 lakh. Confirm with your bank.

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Please note: These figures are estimates for planning only. Interest rates, scale of finance, insurance premium rates, subsidies and market charges are set by banks, government notifications and mandi committees and change from season to season. Confirm the current figures with your bank, insurance company, CSC or mandi office before making a decision.

Enter your land area and the bank's Scale of Finance for your crop to see your Kisan Credit Card limit for this year and the fifth year. Add the loan you plan to draw to see the interest at 7% and at the effective 4% you pay when you repay on time.

About the KCC Loan Limit & Interest Calculator

The Kisan Credit Card (KCC) gives farmers a revolving short-term loan for crop cultivation, post-harvest expenses, household needs and upkeep of farm assets. Your limit is not a random number – banks work it out from a fixed method in the RBI and NABARD guidelines.

How the limit is worked out

  1. Crop finance = Scale of Finance for the crop × area. The Scale of Finance is set each year for each crop by the District Level Technical Committee.
  2. Add 10% for post-harvest and household consumption needs.
  3. Add 20% for repairs and maintenance of farm assets.
  4. Add the premium for crop insurance, accident insurance and asset insurance.
  5. For each following year, the limit is raised by 10% for cost escalation, so the card is sanctioned for five years.

How the interest subsidy works

Under the Modified Interest Subvention Scheme, banks give short-term crop loans at 7% a year within the subsidised limit. Farmers who repay on time get a further 3% prompt repayment incentive, so the effective rate is just 4%. Loan amounts above the subsidised limit carry the bank's normal rate.

How to use the KCC Loan Limit & Interest Calculator

  1. 1 Enter the area you cultivate and the Scale of Finance per acre for your main crop (ask your bank branch).
  2. 2 Add the insurance premium if you want it included in the limit.
  3. 3 Enter the loan you plan to draw and the months until you repay.
  4. 4 Check the rates and subsidised limit, then press Calculate.

The formula we use

Crop finance = Scale of Finance × Area
Year-1 limit = Crop finance × 1.30 + Insurance
Year-5 limit = Year-1 limit × 1.1⁴
Interest = Loan × Rate × Months ÷ 12
With prompt repayment, the subsidised part is charged at (7% − 3%) = 4%

If you grow more than one crop in a year, banks add up the crop finance for each crop and season. Enter the total per acre, or add the results.

Worked example

5 acres of wheat with a Scale of Finance of ₹25,000 per acre and insurance of ₹2,500. You draw ₹1,50,000 for 12 months.

  1. Crop finance = 25,000 × 5 = ₹1,25,000.
  2. Year-1 limit = 1,25,000 × 1.3 + 2,500 = ₹1,65,000.
  3. Year-5 limit = 1,65,000 × 1.4641 = ₹2,41,577.
  4. Interest at 7% = ₹10,500; with prompt repayment at 4% = ₹6,000 – you save ₹4,500.

Things to keep in mind

  • Repay on time. Missing the due date means losing the 3% incentive and paying the full rate.
  • Collateral-free limit. Loans up to the collateral-free limit set by RBI (₹2 lakh) don't need security beyond the crop hypothecation.
  • Insurance. KCC loans for notified crops are usually linked to crop insurance under PMFBY unless you opt out.
  • Rules change. Check the current Scale of Finance and subvention limits with your bank.

Frequently asked questions

How is the KCC limit calculated?

Scale of Finance × area, plus 10% for post-harvest/household needs, 20% for farm asset repairs and the insurance premium. The limit then rises by 10% each year for five years.

What is the interest rate on a Kisan Credit Card?

7% a year on short-term crop loans within the subsidised limit. If you repay on time, a 3% incentive brings it down to 4%.

What is the Scale of Finance?

The cost of cultivating one acre or hectare of a crop, fixed each year by the District Level Technical Committee. Banks use it to decide how much crop loan you need.

Can I get a KCC for animal husbandry or fisheries?

Yes. KCC has been extended to animal husbandry and fisheries, with a separate working capital limit worked out on similar lines.

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