Many individuals engaged in various agricultural activities often require financial assistance in the form of loans. To support them, the Cooperative Land Development Bank has announced that applications for agricultural loans are now open. Farmers can benefit from the Kisan Credit Card (KCC) Scheme, also known as the KCC Loan Scheme, which provides loans at low interest rates tailored to their needs. The Bihar KCC Loan Yojana 2025 offers detailed provisions on eligibility, benefits, and the application process. Interested farmers can apply online and access complete information through the official links provided.
What is the Bihar KCC Loan Scheme 2025?
The Kisan Credit Card (KCC) Loan Scheme in Bihar is a government initiative aimed at providing short-term and medium-term credit to farmers. The scheme allows farmers to borrow money at low-interest rates for their agricultural activities. Under this scheme, loans can be availed for:
- Purchasing seeds, fertilizers, and pesticides
- Buying agricultural machinery and equipment
- Meeting operational expenses during sowing, harvesting, and post-harvest activities
- Animal husbandry and dairy farming
Bihar KCC Loan Yojana 2025 : Overviews
| Field | Details |
|---|---|
| Post Name | Bihar KCC Loan Yojana 2025 |
| Post Date | 12/10/2025 |
| Post Type | Sarkari Yojana |
| Scheme Name | (KCC) |
| Loan Amount | 50,000 से लेकर 5,00,000 |
| Apply Mode | Online / Offline |
| Official Website | pmkisan.gov.in |
Bihar KCC Loan Apply 2025
The Cooperative Land Development Bank has announced an important update regarding agricultural loans. Applications for loans related to various types of agricultural activities are now open, as officially notified by the bank. Farmers can apply for these loans under different schemes, and the application process began on 2nd October 2025.
Special Information for Farmers
Under the Farmer Relief Scheme / Swarnim Chhutt Yojana, applicable until 31st March 2025, bank borrowers can settle their loans under a one-time settlement arrangement. This scheme allows eligible members to repay their loans with up to 100% waiver on additional interest, and the provisions of this scheme are valid until 31st March 2026.
Key Features of Bihar KCC Loan Scheme 2025
Understanding the features of the KCC Loan Scheme can help farmers make the most of this opportunity:
- Loan Amount: Farmers can avail loans from ₹1,000 up to ₹3 lakh depending on their landholding and requirements.
- Low-Interest Rate: Interest rates are highly subsidized, typically ranging from 4% to 7% per annum.
- Quick Disbursement: Loans are processed quickly to ensure timely availability of funds for the cropping season.
- Multiple Bank Support: The scheme is supported by nationalized banks, cooperative banks, and regional rural banks.
- Flexible Repayment Options: Loans can be repaid as per crop cycles, making it easier for farmers to manage finances.
Bihar KCC Loan Yojana 2025: Benefits
Under the Bihar KCC Loan Yojana 2025, the government provides financial assistance to farmers for various agricultural activities. Loans of up to ₹5 lakh are offered under this scheme at a concessional interest rate of 7% per annum.
Interest Subsidy
Farmers can avail an interest subsidy of 3% per annum on loans up to ₹5 lakh as part of the Prompt Repayment Incentive (PRI).
Interest Rate Details
- Up to ₹5 lakh: 7% per annum, subject to the interest subsidy provided by the Government of India.
- Submission of Aadhaar details to the bank is mandatory to avail the interest subsidy, as applicable.
- Above ₹5 lakh: Interest rates will be applicable as per the prevailing norms at the time.
How to Apply for Bihar KCC Loan Scheme 2025
Applying for the Bihar KCC Loan is simple and straightforward. Follow these steps to get your loan approved quickly:
Gather Required Documents
Ensure you have all necessary documents ready, including:
- Proof of identity (Aadhar card, Voter ID, or PAN card)
- Proof of residence
- Land ownership or lease documents
- Bank account details
- Passport-sized photographs
Visit Your Bank
Go to any participating bank branch in Bihar, including nationalized banks, regional rural banks, or cooperative banks.
Fill the KCC Loan Application Form
Complete the Kisan Credit Card application form with accurate details regarding your land, crops, and financial requirements.
Submit Documents and Application
Submit the completed form along with all supporting documents to the bank officer.
Loan Sanction and Disbursement
Once the application is verified, the bank will sanction the loan amount and disburse funds directly into your bank account.
Interest Rates and Repayment Terms
The interest rate for KCC loans in Bihar is highly competitive to encourage farmers to borrow without financial strain. Typical rates are:
- Short-term loans (up to 1 year): 4% to 7% per annum
- Medium-term loans (1 to 5 years): Slightly higher depending on the bank
Repayment Options
- Repayment can be aligned with crop cycles, allowing farmers to pay after harvesting and selling produce.
- Flexible repayment schedules help farmers manage cash flow without stress.
Bihar KCC Loan Yojana 2025: Eligibility for Benefits
The KCC Loan Scheme is designed to support individuals engaged in various agricultural activities in the state. Eligible beneficiaries include:
- Individuals involved in any form of agricultural work.
- Marginal farmers and tenant farmers (Batai-dar) can both avail the benefits.
- Persons engaged in horticulture or farming activities.
- Individuals involved in animal husbandry.
- Individuals engaged in fish farming.
- All persons involved in other types of agricultural-related work, such as poultry farming, goat rearing, and similar activities.
Bihar KCC Loan Yojana 2025: Eligibility Criteria
Farmers can avail benefits under the Bihar KCC Loan Yojana 2025 if they meet the following criteria:
- All farmers aged 18 to 75 years are eligible.
- Farmers engaged in agriculture and allied activities such as animal husbandry, fish farming, and horticulture can also avail benefits.
- Individual farmers or joint borrowers who are owner-cultivators.
- Marginal farmers, tenant farmers (Batai-dar), and sharecroppers.
- Self-Help Groups (SHGs) or joint liability groups comprising marginal farmers, tenant farmers, and other eligible members.
Documents for Bihar KCC Loan Yojana 2025
| Required Documents | Details |
|---|---|
| Application Form | Duly filled application form for the loan |
| Photographs | Two passport-sized photographs |
| ID Proof | Any one: Driving License, Aadhaar Card, Voter ID, Passport |
| Address Proof | Any one: Driving License, Aadhaar Card, etc. |
| Land Ownership Proof | Certified land documents issued by the Revenue Authorities |
| Crop Pattern | List of crops cultivated along with the land area |
| Collateral/Security Documents | For loans above ₹1.60 lakh / ₹3.00 lakh, as applicable |
| Other Documents | Any other documents as required by the bank during approval process |
Bihar KCC Loan Yojana 2025: Application Process
Farmers wishing to benefit from the Bihar KCC Loan Yojana 2025 can start applying from 2nd October 2025, as announced by the Cooperative Land Development Bank Committee. Applications are accepted both online and offline.
For offline applications, farmers need to visit the bank and submit their application in person. Additionally, the department organizes special KCC loan camps from time to time, where interested farmers can apply for the scheme and receive guidance on the application process.
Common Mistakes to Avoid While Applying
To ensure smooth approval of your KCC loan, avoid these common mistakes:
- Incomplete Documents: Always submit complete and accurate documents.
- Incorrect Land Records: Verify your land ownership papers to prevent delays.
- Late Applications: Apply early to avoid missing the cropping season.
- Misreporting Income: Provide accurate income details to maintain eligibility.
- Ignoring Bank Guidelines: Follow the specific instructions of your bank carefully.
Success Tips to Get Bihar KCC Loan Quickly
- Maintain a good credit history and avoid previous loan defaults.
- Keep all land and bank documents updated.
- Seek guidance from local agricultural officers for faster processing.
- Opt for digital banking facilities for quicker communication and fund transfer.
- Stay informed about government updates on interest rate subsidies and loan policies.
Important Links
| Purpose | Link |
|---|---|
| Form Download | Click Here |
| Check Official Notification | Click Here |
| Home Page | Click Here |
| Bihar Kisan Rahat Yojana 2025 | Click Here |
| Official Website | Click Here |
Frequently Asked Questions
What is the Bihar KCC Loan Scheme 2025?
The Bihar KCC (Kisan Credit Card) Loan Scheme 2025 is a government initiative aimed at providing short-term agricultural loans to farmers in Bihar for crop cultivation, allied activities, and other farming needs.
Who is eligible for this scheme?
All resident farmers of Bihar, including small, marginal, and tenant farmers, are eligible. They should have valid land ownership or cultivation rights and meet the bank’s standard lending criteria.
What types of loans are available under this scheme?
Loans are primarily offered for crop production, purchase of seeds, fertilizers, pesticides, irrigation, and other agricultural inputs. Farmers can also avail loans for livestock, fisheries, and related allied activities.
How much loan can a farmer avail?
The loan amount depends on the type of crop, landholding size, and the farmer’s financial requirement. Typically, it ranges from a few thousand rupees to several lakhs.
What are the interest rates for the KCC loan in Bihar?
Interest rates are generally subsidized and vary depending on the bank and loan category. The government often provides additional interest rate benefits for prompt repayment.
Conclusion
Bihar KCC Loan Scheme 2025 presents a significant opportunity for farmers across Bihar to access timely financial support for agricultural activities. By providing easy-to-apply loans with quick disbursal, the scheme empowers farmers to invest in modern farming techniques, purchase seeds, fertilizers, and equipment, and ultimately boost productivity and income. Eligible farmers are encouraged to apply now and take full advantage of the scheme’s benefits to strengthen their agricultural ventures and contribute to Bihar’s agrarian growth.
