New Delhi, Feb. 12 -- The Reserve Bank of India (RBI) has released draft revised guidelines for the Kisan Credit Card (KCC) scheme.

The proposal follows the Statement on Developmental and Regulatory Policies dated February 6, 2026, which indicated that guidelines would be consolidated and updated to expand coverage, streamline operations and address emerging requirements.

Key Proposed Changes The draft guidelines propose significant changes to the KCC framework, including standardising crop seasons to ensure uniform loan sanction and repayment schedules, with a 12-month cycle for short-duration crops and an 18-month cycle for long-duration crops.

The overall KCC tenure has been extended to six years to better align with crop cycles, pa...