Kisan Credit Card (KCC) Scheme Usages

The Kisan Credit Card (KCC) scheme provides adequate and timely credit for short-term requirements. It covers working capital for asset maintenance (1), consumption requirements of the farming household (3), and post-harvest expenses (4). Capital-heavy investments like buying combine harvesters/tractors (2) or constructing houses/cold storages (5) fall under long-term agricultural investment credit, not the short-term working capital limit of the KCC. > One-line conceptual takeaway: KCC is explicitly designed for short-term operational and consumption needs, not long-term capital asset creation. Answer: (b).