To apply for a Kisan Credit Card, visit your nearest bank branch or apply online through the Jan Samarth portal. The KCC scheme, launched in 1998 by NABARD, provides farmers with affordable credit for agriculture and allied activities. With the Union Budget 2025-26 raising the interest subvention limit from Rs 3 lakh to Rs 5 lakh, farmers can now access subsidised loans at an effective interest rate of just 4% per annum. A Kisan Credit Card is a revolving credit facility issued by banks to farmers.