RBI Extends KCC Loan Tenure to 6 Years, Unveils Major Reforms for Farmers

• RBI proposes comprehensive changes to Kisan Credit Card (KCC) scheme, extending loan tenure to 6 years.
• Draft guidelines released on February 12, 2026, aim to standardize crop periods (12 months for short-term, 18 for long-term).
• KCC drawing limits linked to 'scale of finance' for each crop season to ensure adequate loans.
• Technical expenses like soil testing and weather forecasting now included in KCC support.
• New guidelines apply to Commercial Banks, Small Finance Banks, Regional Rural Banks, and Rural Cooperative Banks; public comments open until March 6, 2026.