RBI Overhauls Kisan Credit Card: Longer Loan Tenures, Tech Focus for Farmers

• RBI proposes major changes to Kisan Credit Card (KCC) regulations, aiming to ease credit access for farmers.
• Loan tenure extended to six years, providing more time for repayment, especially for long-duration crops.
• Clear crop cycle standards introduced: 12 months for short-duration and 18 months for long-duration crops.
• KCC to cover expenses for soil testing, weather information, and organic certification, promoting modern agriculture.
• Loan limits to be based on actual cultivation costs; public feedback sought on draft guidelines until March 6, 2026.