Specialised
Kisan Credit Card (KCC)
Short-term credit for crop cultivation, allied activities and household needs.
- Interest rate
- 7% p.a. effective (after 3% prompt-payment subvention)
- Loan amount
- Based on cropping pattern & scale of finance
- Tenure
- Renewable annually for 5 years
- Processing fee
- Nil up to ₹3L
Indicative figures only. The final amount, interest rate and tenure are subject to lender eligibility, property valuation, cash flow and credit policy. Approval is decided by the lender.
Eligibility
- Farmer (owner / tenant / oral lessee)
- Self-help groups
- Joint liability groups
Documents required
- KYC
- Land records
- Crop pattern declaration
Best for: Crop loans up to ₹3L at 7% effective rate.
Insider tip: Pay before due date to claim the 3% interest subvention — it slips silently otherwise.
Why apply through Moneymax Fingrow
- Founders with 19+ years of banking and NBFC experience; ₹1,048 Cr+ disbursed since 2017.
- 48+ banks & NBFCs compared in a single application.
- Doorstep document pick-up across Chennai, Bengaluru, Hyderabad and Mumbai.
- Transparent fees, lowest negotiated rates, end-to-end handholding till disbursal.
Free 2026 rate guide
MSME Loan Interest Rates 2026: 48+ Banks & NBFCs Compared
See which lender gives your business the cheapest money — from 8.5% p.a., approval in 48 hours.
Comparing facilities rather than one product? Our business loan and MSME funding guide sets out working capital finance, overdraft, cash credit, term loan and loan against property side by side.
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