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Kisan Credit Card Limit Calculator

Work out kisan credit card limit instantly with clear inputs, formula shown and shareable results.

About Kisan Credit Card Limit Calculator

The KCC short-term limit is built from the district scale of finance for the crop times the area times the number of crops a year, plus roughly 10% for post-harvest, household and marketing needs, plus an allowance for repairs and maintenance of farm assets. Longer-term investment credit is assessed separately.

Formula

KCC limit

Limit = scale of finance x area x crops per year, plus 10% post-harvest allowance, plus asset maintenance %

Worked example

With the default values below, Kisan Credit Card Limit Calculator returns Kisan Credit Card Limit of $351,000.00. Change any input above and every figure here is recalculated in your browser.

Inputs used

Scale Of Financeminimum 0 per ha
45,000 per ha
Cultivated Areaminimum 0.01 ha
3 ha
Crops Per Yearaccepts 1–4
2
Farm Asset Maintenance Allowanceaccepts 0–50 %
20 %

Results

Kisan Credit Card Limit
$351,000.00
Crop Production Component
$270,000.00
Post-Harvest And Consumption Component
$27,000.00
Farm Asset Maintenance Component
$54,000.00

Step by step

  1. 1Values used
  2. 2KCC limit
  3. 3Kisan Credit Card Limit= 351,000.00
  4. 4Crop Production Component= 270,000.00
  5. 5Post-Harvest And Consumption Component= 27,000.00
  6. 6Farm Asset Maintenance Component= 54,000.00

Assumptions and limits

  • The result is derived only from the 4 inputs listed above. Anything not among them is not part of the calculation.
  • In particular, this calculator does not take inflation or fees or charges into account.
  • Figures are rounded for display to 2 decimal places, so totals built from several rounded parts can differ slightly from the unrounded arithmetic.
  • Actual sanction depends on your bank's credit appraisal, land records and the notified scale of finance for your district. This is an indicative estimate only.

How these calculators are built and tested is described on the Methodology page. If a figure looks wrong, please report it.

Actual sanction depends on your bank's credit appraisal, land records and the notified scale of finance for your district. This is an indicative estimate only.

Frequently Asked Questions

Where does the scale of finance come from?

The District Level Technical Committee fixes it annually per crop and per hectare. Banks must use the notified figure for your district, not a national average.

Does the limit grow each year?

Five-year KCC limits are commonly stepped up by around 10% a year to allow for cost inflation, subject to review.

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