List of Central Co-operative Banks in West Bengal (All 17) with Districts, Addresses and Contact E-mails
04 Nov 2026
Quick answer
Crop loans and Kisan Credit Card: Co-operatives finance around 14 lakh West Bengal farmers every year. Under the central interest subvention scheme the effective rate can be as low as 4% for prompt repayment. Here is how it works and how to avoid the usual hold-ups.
Key points
- Short-term crop loans are typically at 7% with 3% prompt-repayment incentive – an effective 4%.
- The Union Budget (1 Feb 2025) announced raising the subsidised KCC limit from ₹3 lakh to ₹5 lakh.
- Co-operatives disbursed ₹4,970 crore of crop loans to 14 lakh farmers in 2025-26.
- Apply through your PACS (membership required) or a co-operative bank branch.
- Repay on time to keep the subvention and remain eligible to vote/contest in the society.
Real problems and practical solutions
Problem 1: Lost the 3% benefit
What happens: Repaid two weeks late.
Solution:
- The prompt-repayment incentive depends on repaying by the due date (within 12 months).
- Ask your PACS for the due date in writing at disbursement.
Legal basis: Interest subvention terms
Problem 2: Limit sanctioned too low
What happens: The limit doesn't cover input costs.
Solution:
- Limits follow the district scale of finance for each crop and acreage.
- Ask for reassessment with updated cropping plan.
Legal basis: Scale of finance
Problem 3: Sharecropper with no land record
What happens: PACS refuses because the farmer doesn't own land.
Solution:
- Ask about joint liability group (JLG) loans for tenant farmers and sharecroppers – WBSCB's loan products include JLG finance.
Legal basis: WBSCB loan products
Problem 4: Crop failed, can't repay
What happens: Flood destroyed the crop.
Solution:
- Inform the PACS and insurer immediately; claim crop insurance.
- Ask about restructuring under natural-calamity norms.
Legal basis: RBI/NABARD calamity norms
Typical terms
| Item | Typical position |
|---|---|
| Interest | 7% p.a. on short-term crop loans within the subsidised limit |
| Prompt repayment incentive | 3% – effective 4% |
| Subsidised limit | ₹3 lakh; Budget 2025 announced ₹5 lakh |
| Collateral | Usually none up to ₹2 lakh (per RBI norms followed by many lenders) |
| Card validity | Typically 5 years, reviewed annually |
How to apply
- Become a member of your PACS.
- Submit ID, land records (or tenancy/sharecropping proof), bank details and cropping plan.
- PACS sanctions limit as per scale of finance; disbursement through KCC.
- Use, repay by the due date, renew.
Interest example
| Item | ₹1,00,000 crop loan for 1 year |
|---|---|
| Interest at 7% | ₹7,000 |
| Prompt repayment incentive (3%) | – ₹3,000 |
| Effective cost | ₹4,000 (4%) |
Documents
- ID and address proof; photographs.
- Land records (record of rights) or tenancy/JLG documents.
- Bank account details.
- Cropping plan.
- PACS membership.
Related guides
- West Bengal State Co-operative Bank (WBSCB): History, Structure, Services, Loans and Deposit Safety
- List of Central Co-operative Banks in West Bengal (All 17) with Districts, Addresses and Contact E-mails
- PACS in West Bengal: What Primary Agricultural Credit Societies Do, How to Join, and Fixing Common Problems
- Credit Co-operative Society vs Co-operative Bank in West Bengal: Is Your Deposit Safe?
Crop loans and Kisan Credit Card: frequently asked questions
What is the crop loan interest rate at co-operatives?
Typically 7%, with 3% prompt-repayment incentive, giving an effective 4%.
What is the subsidised KCC limit?
₹3 lakh, with the Budget of 1 February 2025 announcing an increase to ₹5 lakh.
How many farmers get co-operative crop loans?
About 14 lakh farmers, ₹4,970 crore in 2025-26 per the Co-operation Department.
Do I need collateral?
Generally not for small limits; check with your PACS.
Where do I apply?
At your PACS or a co-operative bank branch.
Is crop insurance compulsory?
Coverage rules change; ask your PACS whether your loan is enrolled in the applicable crop insurance scheme.
Can tenant farmers get co-op loans?
Through JLG lending and as provided in lender policies.
Who bears the interest subvention?
The central Modified Interest Subvention Scheme compensates lenders and gives the prompt-repayment incentive.
Can I get a KCC for animal husbandry or fisheries?
KCC has been extended to animal husbandry and fisheries; ask your PACS or co-op bank.
How much crop loan did co-ops give in 2024-25?
WBSCB and CCBs reported ₹4,829.80 crore.
Sources and review
- WBSCB – short-term agriculture operation (crop loan figures)
- Co-operation Department, Government of West Bengal – overview and statistics
- Tribune – KCC interest subvention limit to rise from ₹3 lakh to ₹5 lakh (Budget, 1 Feb 2025)
- West Bengal Gramin Bank – Bangiya Kisan Credit Card terms (example lender terms)
Facts checked against the sources listed on 29 October 2026.
Next step: read the COOPMAN step-by-step guides, or keep your society's records in order with COOPMAN.
