The Reserve Bank of India has issued revised draft norms for the Kisan Credit Card (KCC) scheme, proposing inclusion of expenses on agri-tech initiatives such as soil testing, weather forecasting and organic certification within eligible farm loan components.

The draft allows waiver of collateral and margin requirements for agricultural and allied loans up to 2 lakh rupees per borrower. Drawing limits under KCC have been aligned with crop-wise scale of finance, while a flexible credit limit of 10,000-50,000 rupees has been proposed for marginal farmers holding up to one hectare.

The RBI has standardised crop tenures at 12 months for short-duration crops and 18 months for long-duration crops, and extended KCC validity to six years. Feedback on the draft can be submitted by March 6, 2026.