Kisan Card Loan Limit
Punjab has increased its Kisan Card loan limit, providing major relief to small and medium farmers under the updated Phase II of the scheme. The loan limit has been increased from Rs. 30,000 to Rs. 40,000 per acre, allowing eligible farmers to access Rs. 300,000 interest-free credit, double the amount offered earlier. The boost ensures more flexibility and support, with 30% in cash, 20% for diesel, and 50% for essential inputs like fertilizers, seeds, and pesticides. Additionally, all transaction and processing fees have been waived to simplify the process.
With thousands of registered dealers and fuel stations supporting the program, access to resources has become faster and more efficient. Already, nearly half a million farmers have been approved under the revised scheme, reflecting the government’s efforts to improve access to rural credit and reduce reliance on high-interest informal loans.
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Eligibility Criteria for Kisan Card Loan Limit
Follow these easy steps to qualify for a Kisan Card Loan:
- Must own or cultivate agricultural land between 1 and 12.5 acres in Punjab.
The applicant must be between 18 and 60 years of age.
- Must have a valid CNIC issued by Punjab, a registered mobile number, and a land ownership document.
- An active bank account and a photo ID are required.
- Apply online through the Punjab Agriculture Portal or apply offline at local Agri offices or Tehsil Markazes.
If you meet these requirements, you are also eligible to apply for Kisan Card Loan.
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How to Register for Kisan Card Loan Limits Online?
An easy online registration method has been given for the Kisan Card Loan. Follow them:
- You must have 1 to 25 acres of land in Punjab and have a valid CNIC.
- Go online to the Punjab Agriculture website and find the Kisan Card application form.
- Fill the form with your CNIC and land details. Upload any documents they ask for.
- Submit your application and save the reference number so that it can be tracked later.
- After applying online, visit the nearest Agriculture Office or Center for biometric verification.
- Once your application is approved, you will receive your Kisan Card from Bank of Punjab.
- To activate your card, send your CNIC number via SMS to 8070.
- If you need help, you can call the Punjab Agriculture Helpline at 0800-17000.
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Required Documents for Kisan Card Loan Application
To apply for a Kisan Card loan, you will need these documents. Take them with you:
Required Documents:
- A valid Computerized National Identity Card.
- Documents such as a person or affidavit confirming your land ownership.
- A mobile number linked to your CNIC.
- A recent passport-size photograph is mandatory as it serves for identification purposes.
- A recent utility bill as proof of residence.
- These documents are required for both the online and offline application process.
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Benefits of Kisan Card Loan Limit Increase
Consider the benefits of increasing the Kisan Card loan as follows:
- Farmers can now get up to Rs. 300,000, which is double the amount earlier.
- The loan can be used flexibly: 30% cash, 20% diesel, and 50% for seeds and fertilizers.
- More farmers are eligible after the land limit was increased from 12.5 to 25 acres.
- No processing or service fees, saving farmers additional costs.
- Diesel can be easily purchased from registered fuel stations through the loan.
- This increase helps farmers get better financial support and reduces their need to borrow from expensive sources.
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Kisan Card Loan Repayment Terms and Interest Rates
The Chief Minister Punjab Kisan Card 2025 offers interest-free loans to farmers in Punjab, aimed at helping them in agricultural activities without putting them under financial strain. Here is a brief overview of the terms and conditions of loan repayment:
- The loan amount can be up to Rs. 300,000 per season, with a limit of Rs. 40,000 per acre
- Loans must be repaid within 6 months, with an additional 1-month grace period.
- The repayment window is usually from mid-April to mid-May, with incentives for early repayment until the end of April.
- Farmers can make payments through convenient methods such as mobile payment services.
- The loan is intended for purchasing essential farming inputs such as fertilizers, seeds, pesticides, and diesel.
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Frequently Asked Questions
What is the new loan limit under the Kisan Card Scheme?
The loan limit has been increased to Rs. 300,000 per farmer, with Rs. 40,000 available per acre.
Who is eligible to apply for Kisan Card Loan?
Farmers in Punjab, who own between 1 and 25 acres of agricultural land, aged between 18 and 60 years, who have valid CNIC and land documents, are eligible.
Is there any interest charged on Kisan Card Loan?
No, the loan is completely interest-free.
How can I apply for Kisan Card Loan?
Applications can be submitted online through the Punjab Agriculture Portal or offline at local agriculture offices and bank branches.
For whom can the loan be used?
The loan is intended for the purchase of inputs like seeds, fertilizers, pesticides, and diesel to support farming activities.
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Conclusion
The increase in the Kisan Card loan limit is a major boost for farmers, providing them with greater financial support to meet their farming needs. By doubling the loan amount and expanding eligibility, the scheme helps reduce farmers’ reliance on expensive private loans and encourages the use of quality inputs like seeds, fertilizers, and diesel. With easy application processes and interest-free terms, this move strengthens the agricultural sector and promotes sustainable farming across Punjab.