
Kisan Credit Card Limit 2026 — Crop Loan, 7% Interest & Polyhouse Term Loan
How KCC limit is calculated in 2026, 7% crop loan with 4% on prompt repayment, documents, and when to switch to a term loan for polyhouse.
NHM, NHB, NABARD, SMAM, MIDH, PMKSY, AIF and how to apply.

How KCC limit is calculated in 2026, 7% crop loan with 4% on prompt repayment, documents, and when to switch to a term loan for polyhouse.

Produce Fund, matching equity up to ₹15 lakh per FPO, CBBO cluster support, and linking FPO to polyhouse marketing.

55% small/marginal, 45% others, micro-irrigation components, state PMKSY portal, and pairing drip with polyhouse.

Horticulture cold storage subsidy 2026 — MIDH 35% general and 50% NE/hilly, SHM up to 5000 MT, NHB 5000–20000 MT, IPA at nhb.gov.in, credit-linked back-ended, PIB 2025-26 context.

AIF 2026 on agriinfra.dac.gov.in — ₹1 lakh crore corpus, 3% interest subvention up to ₹2 crore for 7 years, CGTMSE collateral-free loans, 10% promoter margin, warehouses and cold chain.

Mission for Integrated Development of Horticulture (MIDH) 2026 — polyhouse 50% subsidy, NHB vs SHM routes, LoI rule, April–June window, and dac.gov.in/midh verification.

Building before LoI, trusting 50% headline, wrong crops, DJI drones, water EC — avoid these.

DPR sections, DSCR ≥1.5, technical specs, document checklist, and JIT verification.

How NABARD refinances banks, 7% crop loans, KCC, AMI warehouses, and stacking with NHB/AIF.

Comparison table — Maharashtra, Telangana 95% SC/ST, Haryana, MP, Gujarat portals and application methods.

Step-by-step NHB/state application — DPR, bank sanction, Letter of Intent or Comfort, and inspection.

Master guide — 50% vs effective 35–40% subsidy, LoI/LoC rule, NHB process, and official portals.

NHM, NHB, NABARD, SMAM, MIDH, PMKSY, AIF, PM-KUSUM, PKVY — what each scheme covers and how they stack.