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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.
KCC limit
Limit = scale of finance x area x crops per year, plus 10% post-harvest allowance, plus asset maintenance %
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.
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.
Five-year KCC limits are commonly stepped up by around 10% a year to allow for cost inflation, subject to review.