Empowering Indian farmers, empowering India.

Bank of Baroda, for rural India, with rural India.

Baroda Kisan Credit Card (BKCC)

Particulars Guidelines under the scheme
Features Kisan Credit Card Scheme aims at providing adequate and timely credit support from the banking system under a single window to the farmers for their cultivation & other needs as indicated below:
  • To meet the short term credit requirements for cultivation of crops including fodder crops.
  • Post-harvest expenses.
  • Produce marketing loan.
  • Consumption requirements of farmer household.
  • Working capital for maintenance of farm assets and activities allied to agriculture, like dairy, poultry, fisheries, piggery, sericulture etc.
  • Investment credit requirement for agriculture and allied activities like purchase of farm equipment/machinery like pump sets, sprinklers/drip irrigation equipment, pipe line, power tiller, tractor, sprayers, milk animals, vehicles for transportation of farm produce etc.
  • All farmers – individuals/joint borrowers who are owner cultivators.
  • Tenant farmers, oral lessees and sharecroppers etc.
  • Self Help Groups (SHGs) or Joint Liability Groups (JLGs) of farmers including tenant farmers, sharecroppers etc.
  • Recorded/registered sharecroppers and tenant farmers who are cultivating crops for a period not less than five years in order to meet the production credit needs are also eligible. All individual agriculturists (including proprietorship) basis who are resident of the village at least for a period of three years continuously and cultivating lands and raising crops for a reasonably long period, but not less than three years are eligible for sanction of BKCC with a farm credit limit of Rs.10000 and above. Recorded/registered sharecroppers and tenant farmers who are cultivating crops for a period not less than 5 years.
Quantum of Loan The quantum of finance will be assessed based on the scale of finance projected average farm income, repaying capacity and/or value of security.
  • Minimum loan amount: Rs. 5,000.
  • Maximum loan amount: No ceiling.
Nature of Facility Demand Loan
Cash Credit
Term Loan
Rate of Interest

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Line of Credit Under BKCC The farmers are sanctioned BKCC Limit considering the increase in Scale of Finance during next 5 years as a line of credit. The farmers can avail the loan based on increased scale of finance without execution of fresh documents every year. The farmer is allowed to avail the amount based on actual scale of finance in the particular year within the overall line of credit amount.
Margin For production line of credit: Nil
For investment line of credit: It ranges from a minimum of 10% to 25% depending upon the scheme.
Repayment Schedule Production line of credit will be a revolving agriculture cash credit account subject to annual review valid for 5 years. Investment credit will be DL/TL and repayment period is fixed on a quarterly/half-yearly or annual basis, based on income generation of the farmer.

Related products

  • New Scheme for Tractor

  • Advances to Food Agro Based Units Under Agriculture

  • Agriclinics Agribusiness Centres by Agriculture Graduates

  • Scheme for Financing Farm Development Activities

  • Baroda Animal Husbandry and Fisheries Kisan Credit Card (BAHFKCC) Scheme

  • Baroda Kisan Tatkal Loan Scheme

  • Baroda Sanitation Scheme

  • Construction Of Storage Structure Projects

  • Cultivation of Crops (Excluding Plantation and Horticultural Crops)

  • Financing Against Warehouse Receipt

  • Financing Agencies Providing Custom Services To Farmers

  • Financing Construction of Farm Buildings Structures

  • Financing Development of Dairy, Poultry, Fishery, etc.

  • Scheme for Financing Farmer Producer Companies / Organizations (FPCs / FPOs)

  • Financing Four Wheeler Loans to Farmer

  • Financing Irrigation

  • Financing of Joint Liability Groups

  • Financing Protected Cultivation projects (Green House/Poly House/Shade Net House/Plastic tunnels & Walk in tunnels/Anti-bird/Anti-hail nets/plastic mulching/Hydroponics/Aquaponics and Aeroponics etc)

  • Financing Tractors and Heavy Agriculture Machinery

  • Financing Under Self Help Groups (SHGs)

  • Installation of Gobar Gas/Biogas Plants

  • Installation of Solar Home Lighting Systems

  • Lending to Agriculture Other Priority Sectors demand loan for financing against

  • Loan for Installation of Solar Photovoltaic Pump Sets

  • Overdraft Scheme for Working Capital Assistance to the Food Agro Processing Unit

  • Scheme for Financing Mini Dairy Units

  • Scheme for Financing NBFC-MFIs

  • Scheme for Financing Pradhan Mantri Matsya Sampada Yojana (PMMSY)

  • Scheme for Financing under Agriculture Infrastructure Fund

  • Scheme for Purchase of Agriculture Land

  • Shahari Bagwant Yojna

  • Silos/Godowns for Storage of Agriculture Produce

  • Two Wheelers (Motorcycle/Scooter) Loan to Farmer

  • Warehouse/Storage Receipts to Food and Agro Unit Enjoying Credit Facility with our Bank

  • Planters Card Scheme

  • Loan/Overdraft Against Bank’s Own Deposit (Labod/Odbod)

  • Pradhan Mantri Kisan Urja Suraksha Evam Uthaan Mahabhiyaan (PM-KUSUM Scheme)

  • Purchase of Estates/Orchards Growing Traditional Plantation Crops

  • Scheme for Development of Horticulture

  • Scheme for Financing Compressed Biogas (CBG)

  • Scheme for Financing Facility under PM Formalization of Micro Food Processing

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