The Indian government has released the next tranche of subsidy under the Kisan Credit Card (KCC) scheme for August 2025. This latest credit release provides major financial relief to lakhs of farmers across the country who rely on seasonal credit for seeds, fertilizers, equipment, and other agricultural needs. The KCC Loan Subsidy is a vital part of the Centre’s rural financial inclusion strategy and ensures that small and marginal farmers continue to access affordable credit without being burdened by high interest rates.
The Ministry of Agriculture and Farmers Welfare announced that the subsidy has been credited to eligible farmers’ accounts in over 400 districts. States like Uttar Pradesh, Maharashtra, Bihar, Rajasthan, and West Bengal have received the largest allocations in this phase.
Let’s break down who is eligible, how to check the beneficiary list, and how this subsidy impacts farming households.
Table of Contents
What Is the Kisan Credit Card (KCC) Scheme?
The Kisan Credit Card scheme was launched in 1998 by NABARD (National Bank for Agriculture and Rural Development) to provide short-term credit to farmers at subsidized interest rates. It covers expenses related to:
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Purchase of seeds, fertilizers, pesticides
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Irrigation and power for crops
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Repair or hire of farming machinery
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Household consumption during crop season
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Allied agricultural activities like dairy, poultry, and fishery
Farmers can access credit up to ₹3 lakh, and receive an interest subvention of 2%, along with a further 3% incentive on timely repayment.
August 2025 Subsidy Disbursement – Key Highlights
| Feature | Details |
|---|---|
| Release Month | August 2025 |
| Beneficiaries | 2.6 crore farmers |
| Total Subsidy Released | ₹5,600 crore |
| Mode of Transfer | Direct Benefit Transfer (DBT) |
| Top Beneficiary States | UP, MP, Bihar, Maharashtra, West Bengal |
| Issuing Banks | All PSU Banks, Regional Rural Banks, Co-operative Banks |
The subsidy is aimed at reducing the interest burden and encouraging timely repayment of loans taken during the Kharif 2025 season.
How to Check If You Are in the Beneficiary List
Eligible farmers can check if they’ve received the August 2025 subsidy using the following steps:
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Visit: https://pmkisan.gov.in/KCC
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Click on “KCC Subsidy Beneficiary List – August 2025”
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Enter your Aadhaar number, KCC number, or PM-Kisan registered mobile number
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Select your state, district, and village
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View and download the list to see your name and subsidy amount
You can also check the status through your bank’s mobile app or branch, where the credit entry will reflect in your loan passbook.
Who Is Eligible for the August 2025 Subsidy?
The subsidy applies to all farmers who meet the following criteria:
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Have an active Kisan Credit Card account as of July 2025
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Took crop loans between April–July 2025 for the Kharif season
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Have not defaulted on previous loans
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Are registered under PM-Kisan or State Farmer Schemes
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Have linked Aadhaar and bank account to their KCC
Special provisions were made for:
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Women-headed farming households
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SC/ST small landowners
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Farmers in flood or drought-affected zones
Such beneficiaries may also receive top-up subsidy or extended repayment windows.
Impact of KCC Subsidy on Farmers
This August 2025 KCC subsidy release comes at a critical time for farmers who have begun sowing for the Kharif crop cycle. The immediate credit infusion helps:
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Reduce dependence on private moneylenders
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Encourage farmers to buy quality inputs for better yield
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Promote timely repayment, boosting farmer creditworthiness
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Provide relief to areas hit by climate-related challenges
Farmers can use the subsidy to repay loans, apply for new credit, or invest in low-cost agri-tech solutions.
Government’s Statement
The Ministry stated:
“This round of KCC subsidy is an assurance to our farmers that the government stands with them during every sowing season. The integration with PM-Kisan and Aadhaar ensures transparency and speedy disbursement.”
The subsidy distribution was monitored using e-KCC tracking system, and geo-tagged records were maintained to avoid duplicity.
FAQs
How do I know if I received the August 2025 KCC subsidy?
Visit https://pmkisan.gov.in, go to the KCC section, and check the August 2025 beneficiary list using Aadhaar or KCC number.
Is this subsidy available for all types of crops?
Yes, it is applicable for loans taken for all Kharif crops, including rice, pulses, maize, cotton, and oilseeds.
Can I apply now and still get the August subsidy?
No, only existing KCC holders with disbursements before July 31, 2025, are eligible for this round. However, you may qualify for the next installment in November 2025.
What if my name is missing from the list?
You can raise a grievance request on the PM-Kisan portal or visit your bank’s rural branch for clarification.
Is the subsidy adjusted in the loan account or credited separately?
The subsidy is credited to the linked bank account, and also shown as an adjustment in your KCC loan ledger.
Click here to know more.
