Kisan Credit Card (KCC) Working Capital Loan for Fisheries and Aquaculture
Concessional working capital bank credit up to ₹2 Lakh at an effective 4% interest rate for inland and marine fishers and fish farmers.
Quick Eligibility Snapshot
₹Benefits & Entitlement Breakdown
📊Budget Allocation & Beneficiary Reach
Supported under Pradhan Mantri Matsya Sampada Yojana (PMMSY) interest subvention window
Official Budget Document ↗Over 1.8 Lakh fishers and fish farmers issued dedicated KCC cards
As of: 2026-01-20PIB / Official Citation ↗Verified Eligibility Criteria
Inland fish farmers, marine fishers, SHGs, JLGs, and women fish vendors involved in fish production or capture activities.
Required Documents Checklist
Verify readiness before applying for Kisan Credit Card (KCC) Working Capital Loan for Fisheries and Aquaculture. Check off your papers or print this list before visiting your local CSC / Cyber Cafe.
Mandatory Documents(3)
Check off as readyKeep self-attested photocopies and clear digital scans (100 KB – 200 KB, PDF/JPG format) ready to avoid portal upload timeouts.
Worried About Application Rejection for Kisan Credit Card (KCC) Working Capital Loan for Fisheries and Aquaculture?
Over 30% of applications on official portals get delayed or rejected due to minor certificate authority mismatches or unseeded bank accounts. Our civic research desk compiles a verified 1-page Scheme Blueprint tailored to your state and profile.
- ✓Valid issuing authority rules (Tehsildar/SDM)
- ✓Aadhaar-DBT bank seeding verification
- ✓Direct official portal guide (no middlemen)
- ✓Email delivery in 1–2 hrs during desk hours
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Application Effort & Process Friction
Readiness assessment derived from official prerequisites, mandatory documentation, and submission channels.
Effort scores reflect portal accessibility, mandatory document burden, and physical verification requirements.
How to Apply
- 1
Collect specialized KCC Fisheries application form from commercial bank, fisheries cooperative society, or PMMSY portal.
- 2
Provide land/waterbody lease documents, fishing boat license, or aquaculture registration certificate.
- 3
District Fisheries Officer or local branch manager assesses operational water spread area or boat tonnage.
- 4
Sanction and issuance of RuPay KCC card within 15 calendar days.
✅Before You Begin — Pre-Application Checklist
⚠️Common Rejection Reasons — Avoid These
Lack of registered waterbody/pond ownership or fishing license, or prior non-performing loan default.
Official Government Application Portal
You will be redirected to the secure official portal: dof.gov.in
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Get Scheme Blueprint (₹49)→Frequently Asked Questions (Officially Sourced)
Verified answers sourced directly from official circulars, gazettes, and portal FAQs. Never AI-invented.
Is collateral required for fisheries KCC up to ₹1.60 Lakh?
No, RBI directives waive all physical collateral and margin money requirements for fisheries credit up to ₹1.60 Lakh.
Source: Official Scheme FAQ ↗Can fishers who already have crop KCC avail this facility?
Yes, but the total overall subvention ceiling across crop and allied KCC combined is ₹3,00,000, with maximum ₹2,00,000 dedicated for fisheries.
Source: Official Scheme FAQ ↗Which activities are funded under fisheries working capital?
Recurring purchase of fish fingerlings, fingerling feed, pond chemicals, diesel for water pumping, and routine maintenance of nets/crafts.
Source: Official Scheme FAQ ↗Can I track my Kisan Credit Card (KCC) Working Capital Loan for Fisheries and Aquaculture application status?
Application status for Kisan Credit Card (KCC) Working Capital Loan for Fisheries and Aquaculture can typically be tracked through the official portal at dof.gov.in using your Aadhaar number, application reference number, or registered mobile number. Alternatively, contact the scheme helpline or visit your nearest Common Service Centre (CSC).
What should I do if my Kisan Credit Card (KCC) Working Capital Loan for Fisheries and Aquaculture payment is delayed or rejected?
First, verify your Aadhaar-bank account seeding status on the NPCI mapper (npci.org.in). If seeding is confirmed and payment is still pending, register a complaint on the Central Public Grievance Redressal System at pgportal.gov.in. You may also file an RTI application at rtionline.gov.in to obtain official rejection reasons within 30 days.
Is there an income tax implication for receiving Kisan Credit Card (KCC) Working Capital Loan for Fisheries and Aquaculture benefits?
Agricultural income and certain welfare subsidies may be exempt from income tax under Section 10 of the Income Tax Act, 1961. Tax treatment varies by scheme type and beneficiary income level. Consult a certified tax practitioner or visit incometax.gov.in for scheme-specific tax guidance.
Common Rejection Reasons & Warnings
Lack of registered waterbody/pond ownership or fishing license, or prior non-performing loan default.
Editorial Verification & Change Log
| Date | Field | Description / Update | Source Citation |
|---|---|---|---|
| 2026-10-18 | scheme_type | cs | Official Source ↗ |
| 2026-09-28 | initial_verification | Baseline verification of Kisan Credit Card (KCC) Working Capital Loan for Fisheries and Aquaculture guidelines, benefits, and portal integration. | Official Source ↗ |
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Application Window & Deadlines
Open year-round across all districts
🛟Grievance & RTI Channels
Scheme Intelligence
How is this calculated? ↗Verified 7d ago from .gov.in source
Apply online with minimal documents
Related Welfare Programs
Direct income support of ₹6,000 per year in three equal installments to landholding farmer families across India provided through direct benefit transfer.
National flagship scheme for fisheries development providing 40% to 60% capital subsidies for aquaculture, marine fishing boats, cold storage, and fish farming infrastructure.
Comprehensive agricultural crop insurance covering yield loss from pre-sowing to post-harvest perils at ultra-low farmer premiums of 1.5% to 2%.
📅Scheme Milestone Timeline
Baseline verification of Kisan Credit Card (KCC) Working Capital Loan for Fisher...
Official Source ↗Schemes You Can Stack With This
Complementary programs with non-conflicting eligibility that you can claim concurrently:
Official Helpline & Nodal Offices
Department of Fisheries
Krishi Bhawan, Dr. Rajendra Prasad Road, New Delhi 110001
Helpline: 011-23382701
Jurisdiction: NationalNotice a Discrepancy?
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Verification Metadata
Last verified by Eligo researchers on 2026-10-12 against official government documentation.
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