Kisan Credit Card loan calculator: limit, interest and EMI
A Kisan Credit Card (KCC) is a revolving crop loan: the bank fixes a limit for the year, you draw what you need for seed, fertilizer and labour, and you repay after harvest. This Kisan Credit Card loan calculator estimates that limit with the formula the Reserve Bank of India sets for banks — scale of finance × area, plus 10% for post-harvest and household needs, plus 20% for repairs and maintenance of farm assets, plus insurance — and shows how it grows by 10% a year over the life of the card.
It then works out the interest on what you actually borrow: 7% a year on loans up to ₹3 lakh under the Government’s interest subvention scheme, with a 3% prompt repayment incentive that brings the cost down to 4% if you repay on time. An optional section gives the instalment for a KCC term loan.
How to use the KCC loan calculator
- Choose the rules: cards sanctioned before 1 January 2027 follow the RBI master circular (five years); new cards from that date follow the RBI KCC Directions, 2026 (six years).
- Enter the scale of finance for each crop — ask your bank branch or Krishi Vigyan Kendra for the district figure — and the area you will sow, in hectares, acres, bigha, guntha, cent or kanal.
- Add insurance premiums, dairy or poultry working capital and any term loan in the optional section.
- Read the year-1 limit, the year-by-year limits and the maximum permissible limit.
- Under Interest on what you borrow, enter the amount and the days until you repay. Untick Repaid on time to see the cost without the incentive.
Kisan Credit Card (KCC) Loan Calculator features
RBI limit formula
Scale of finance × area + 10% + 20% + insurance, with 10% yearly escalation, as in the master circular and the 2026 Directions.
Old and new rules
Five-year cards under the master circular, or six-year composite limits rounded to ₹1,000 under the Directions applicable from 1 January 2027.
Interest with subvention
7% on the part up to the subvention ceiling, your bank’s rate above it, and the 3% prompt repayment incentive.
Editable ceiling
Switch the ceiling from ₹3 lakh to ₹5 lakh if your bank applies the higher limit announced in the 2025-26 Budget.
Term-loan EMI
Monthly, quarterly, half-yearly or yearly instalments for the investment part of the card.
How the KCC limit is calculated — worked example
A farmer grows paddy in kharif and wheat in rabi on 2 hectares each, and the district scale of finance is ₹50,000 per hectare for both.
- Cost of cultivation: (2 × ₹50,000) + (2 × ₹50,000) = ₹2,00,000.
- Post-harvest and household needs, 10%: ₹20,000.
- Repairs and maintenance of farm assets, 20%: ₹40,000.
- Year-1 limit: ₹2,60,000 (plus any insurance premiums).
- Later years: +10% a year for cost escalation — ₹2,86,000, ₹3,14,600, ₹3,46,060 and ₹3,80,666 in year 5. Add the term loan to get the maximum permissible limit.
KCC interest rate and the 3% incentive
Under the Modified Interest Subvention Scheme, continued by the Union Cabinet for 2025-26, banks lend short-term KCC crop and allied loans of up to ₹3 lakh at 7% a year. The Government pays the bank a 1.5% subvention and gives farmers who repay on time a further 3% prompt repayment incentive, so the effective rate is 4%. On ₹2,00,000 kept for a full year that is ₹14,000 of interest less ₹6,000 — ₹8,000.
Any part above the ceiling is charged at the bank’s normal agricultural rate without subvention. The 2025-26 Budget announced a higher ₹5 lakh ceiling; the calculator lets you change the ceiling to match what your bank applies. Use the EMI calculator for other loans and the crop insurance calculator for the PMFBY premium.
What changes with the RBI KCC Directions, 2026
- They apply to KCC loans sanctioned from 1 January 2027; existing cards continue under the old rules until renewal.
- The card becomes a six-year composite facility; the composite maximum permissible limit is the sixth-year short-term limit plus the term loan.
- The 20% component also covers soil testing, weather advisories, drone and satellite crop services and organic certification.
- Limits are rounded to the nearest ₹1,000, and marginal farmers can get a flexible ₹10,000–₹50,000 limit.
- Collateral is waived up to ₹2 lakh (₹3 lakh with a crop-sale tie-up).
Kisan Credit Card (KCC) Loan Calculator FAQ
How is the Kisan Credit Card limit calculated?
Multiply the scale of finance of each crop by the area you grow it on, add 10% for post-harvest and household needs, 20% for repairs and maintenance, and any insurance premiums. For later years add 10% a year, and add any term loan for the maximum limit.
How much KCC loan can I get per acre?
It depends on your district’s scale of finance. If it is ₹20,000 per acre, the year-1 limit is ₹20,000 × 1.3 = ₹26,000 per acre.
What is the KCC interest rate?
7% a year on loans up to ₹3 lakh, reduced to an effective 4% if you repay within the due date thanks to the 3% prompt repayment incentive.
Does a KCC loan have an EMI?
The crop-loan part is a revolving cash credit repaid after harvest, so it has no monthly EMI. The term-loan part for investments such as a pump or pipeline is repaid in instalments; the calculator shows that EMI.
What is scale of finance?
The cost of cultivating one hectare (or acre) of a crop, fixed each year for every district by the state or district level technical committee. Your bank branch, cooperative society or KVK can tell you the current figure.
Is this the limit my bank will give?
Not necessarily. It is an estimate from the published formula. The bank sanctions the limit after checking your land records, crops and repayment history.