KCC Account Number: Format, Details & Guide

Key Takeaways 

• Your KCC account number is your distinct Kisan Credit Card (cash credit) account number, which keeps track of your loan limit and transactions.

• You can track repayments and subsidies, particularly for the KCC loan interest rate subsidy, by using your KCC account number.

• You can use your bank passbook, mobile banking, a branch, or the government's Kisan Rin Portal to do a KCC account number check.

“Aapka KCC number hi batata hai ki aapki kheti ka paisa kis account se judta hai. Aaiye jaane kcc account number kaise pata kare!”

The KCC account number is like your farm's smart "wallet address." Your KCC credit account has a unique number, just like your home does. It's similar to having a house address for your credit facility. 

This makes it easier for the government and banks to monitor how much credit you've used, how much you've paid back, and how much KCC loan interest rate subsidy you are qualified for.

For example, last season when I checked my KCC account number before applying for a ₹25,000 withdrawal, I quickly saw how much limit was left and how much subsidy I had already received. It made my planning much easier.

Bonus Tip: Do you know? Kisan Credit Card accounts in government banks dipped slightly in FY25, even though they support over 77 million farmers, fishermen, and dairy farmers.

How to Find a KCC Account Number?

Bhai KCC account number hi nahi mil raha, kaise limit check karu? This section helps you find it in minutes using official tools.

Here are different ways I can see how to find  kcc account number, laid out clearly:
 

You can complete a KCC account number check through any of these reliable methods.

How to Use a KCC Account Number?

I can use my KCC account number in several practical ways once I have it:

• Withdraw Funds: I can use this number to get credit from my KCC up to the approved working capital limit. According to RBI regulations, this functions similarly to a revolving account. 

• Track Repayments: This account number is used to track all of my repayments. The bank uses it to determine my repayment history and outstanding balance.

• Access Subsidy: I qualify for interest subsidies or prompt-repayment incentives because I make my payments on schedule. My KCC account number is used to track these in the Kisan Rin Portal. 

• Use Linked Card: I can take money out of the cash-credit account at ATMs using my RuPay Kisan card or smart card, which is connected to my KCC. 

• Limit Renewal: The bank evaluates my credit limit annually based on my credit pattern. They use my account number to evaluate previous usage to determine whether to renew. 

The key to using, tracking, and reaping the benefits of my agricultural credit is knowing how to know my KCC account number.

Security Tips for KCC Account Number 

I follow these best practices to protect my KCC account number:

• Treat it as confidential: Share your account number only with authorized bank employees. Never disclose it to the general public.

• Use secure banking channels: Use net banking or smartphone apps with secure PINs or biometric security to access your KCC account.

• Verify communications: If a bank representative contacts you regarding changes to the KCC limit or subvention, confirm via an official portal or branch letter rather than a random SMS.

• Check statements regularly: I frequently review my bank statements or passbook to identify any unauthorized or inaccurate transactions.

• Use official portals: I avoid third-party tools and only use the government's Kisan Rin Portal (KRP) to view my account information or subvention details.

I protect my credit and my subsidy benefits by being attentive.

Structure of KCC Account Number 

I'll describe how the KCC account number might appear in various banks:

The linked RuPay card has its own IIN-based numbering, and most KCC account numbers combine a branch-specific code with a unique serial. There isn't a single national format required for all banks.

Conclusion

Your Kisan Credit Card facility is based on your KCC account number, which facilitates credit drawing, repayment, and interest rate benefits from KCC loans. Make sure you are aware of it, safeguard it, and use it wisely. Log in to the Kisan Rin Portal or your bank app to view your KCC details.

FAQs Related to KCC Account Number 

Is it necessary to have a bank account in the same branch where I apply for KCC, if I already have an account in another branch of the same bank (for example, SBI)?

No. You do not need to open a new account in the same branch. If you already have an active account in another branch of the same bank, the bank can issue your KCC using that existing account after basic verification.

How can I get a KCC under PM-KISAN if my PM-KISAN amount is credited to a Post Office account?

You can still apply for KCC. The Post Office account does not stop you from getting a KCC. You can visit any eligible bank (like SBI, BOI, PNB, etc.) with your PM-KISAN documents, land records, and ID proof. The bank will verify your PM-KISAN status and process your KCC normally.

What is the fastest way to obtain a bank account number when my employer needs it urgently?

You can open a digital savings account through apps that offer instant eKYC; many provide an account number within minutes.

What can someone actually do with my name, address and bank account number?

They cannot withdraw money, but they may attempt phishing or unauthorised debit requests, so keeping an eye on alerts is important.

Can I increase my KCC loan limit without applying for a new KCC?

Yes. You can request a limit enhancement during your annual KCC review. The bank checks your cropping pattern, land records, and repayment history. If everything matches their criteria, they increase the limit without issuing a new KCC.
 

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About the Author

LoansJagat Team

‘Simplify Finance for Everyone.’ This is the common goal of our team, as we try to explain any topic with relatable examples. From personal to business finance, managing EMIs to becoming debt-free, we do extensive research on each and every parameter, so you don’t have to. Scroll up and have a look at what 15+ years of experience in the BFSI sector looks like.