Features and benefits of Kisan Credit Card (KCC): A. The credit balance in the KCC account gets interest at the savings bank rate. B. For a loan amount up to Rs.3 lakh, interest subvention at 2% p.a. is given. C. If the borrower makes timely repayments, he/she gets additional interest subvention at 3% p.a. D. For all KCC loans, specific areas or crops are offered crop insurance. E. In the case of non-repayment before the due date, the interest will be at the card rate. So, non-repayment after the due date, interest is compounded half-yearly.