Short-term crop loan interest with the interest subvention, for any number of months
Estimates only, not financial advice. What you type stays on your device. Checked against sources on 30 Oct 2026.A short-term crop loan through a Kisan Credit Card is usually repaid after the harvest, six to twelve months after it is drawn. Interest is simple and runs only for those months: ₹1,00,000 for six months at the effective 4% costs ₹2,000.
Rates and rules read from PIB release, Cabinet continues the Modified Interest Subvention Scheme for 2025-26 on 30 Oct 2026; they may have changed since.
The page opens on 6 months, about one crop season; change it to your repayment month.
Enter the crop loan amount drawn.
Keep "I will repay by the due date" on if you will repay after harvest on time.
Read the interest for the season and Total to repay, as an estimate.
Enter the amount, the months to harvest and whether you will repay on time to see the interest and the total to repay.
Short-term crop loans taken through a Kisan Credit Card (KCC) carry a government interest subsidy called the Modified Interest Subvention Scheme (MISS). This calculator applies it to your loan and shows the interest, the total to repay and what the scheme saves against your bank's normal rate.
The scheme figures. The Reserve Bank of India's circular of 13 January 2026 (RBI/2025-26/193) continuing MISS for 2025-26 sets them: short-term loans for crops and allied activities up to an overall ₹3 lakh at 7% a year to the farmer, and a further 3% a year for farmers who repay promptly, which brings the rate to 4%. For loans only for animal husbandry, dairy, fisheries or bee-keeping the limit is ₹2 lakh. The subsidy runs from drawal until repayment or the due date, whichever is earlier, for at most one year. Nothing above the limit is subsidised; that part pays the bank's own rate, which you enter.
What it does not do. A KCC is a revolving limit and banks charge interest on the daily balance you use; this calculator takes one drawal repaid in one go, with simple interest, for up to 12 months. It does not include processing fees, insurance premiums debited to the card, or the higher rate a bank charges after the due date. Term loans for machinery or land development are not covered by the scheme.
The rest of the article, and all 6 questions about KCC Interest Calculator, are on the KCC Interest Calculator page.
Under the Modified Interest Subvention Scheme, short-term KCC loans up to ₹3 lakh are charged 7% a year. Farmers who repay by the due date get a further 3% prompt repayment incentive, so the effective rate is 4%. The RBI circular of 13 January 2026 continued these figures for 2025-26.
The Union Budget 2025-26 announced a rise of the interest subvention limit from ₹3 lakh to ₹5 lakh. The RBI circular of 13 January 2026 still sets ₹3 lakh for 2025-26, and no notification of the higher limit was found on 30 Sep 2026. Choose ₹5 lakh in the calculator only if your bank confirms it.
Yes. When the KCC loan is only for animal husbandry, dairy, fisheries or bee-keeping, the subsidised limit is ₹2 lakh, inside the overall ₹3 lakh for farmers who also take crop loans. Tick the allied activities option in the calculator and it uses the ₹2 lakh limit.
Only approximately. A KCC is a revolving limit, and banks charge interest on the daily balance used. The calculator takes one drawal repaid after the months you enter. For several drawals, work each one out separately with its own months and add the results together.
Rates and rules change; check the source before you rely on a figure.
Still stuck? Ask about KCC Interest Calculator and anybody who knows can answer. No account needed.
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