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32. Specialized Government Schemes (India)

Kisan Credit Card-Linked Savings

Farmers

Savings instrument linked to agricultural credit schemes for farmers.

Risk Level
Low ★★☆☆☆
Liquidity
🟡 Medium
Min Investment
₹10,000
Ticket Size
₹1 (RBI Retail Direct)
Ideal Horizon
1–30 years
Region
India

📈 Historical Returns (Indicative)

1 Year
6.8–7.5%
3 Years
7–7.5%
5 Years
7–7.5%
10 Years
7–7.5%
20 Years
7–7.5%

⚠️ Indicative historical ranges only. Past performance does not guarantee future results. Returns vary significantly across individual instruments.

🧮 XIRR Calculator — Kisan Credit Card-Linked Savings

Enter your actual investment dates and amounts to calculate your personal annualised return (XIRR). Use negative values for money invested, positive for money received back.

✅ Pros & ❌ Cons

Advantages

  • ✅ Low risk — capital largely protected
  • ✅ Predictable income stream
  • ✅ Capital preservation

Disadvantages

  • ❌ Returns may not beat inflation
  • ❌ Interest rate risk for long-duration bonds

🚀 How to Invest in Kisan Credit Card-Linked Savings

  1. Research and compare options on Applica Finance
  2. Open appropriate account (Demat, bank, or platform account)
  3. Complete KYC with PAN and Aadhaar
  4. Start with minimum investment; scale up gradually

💰 Tax Treatment (India)

Gains taxed as per applicable income tax slab or capital gains rules
Consult a tax advisor for your specific situation
Disclaimer: This page is for educational purposes only and does not constitute financial advice. Returns shown are indicative historical ranges and not guaranteed. Consult a SEBI-registered investment advisor before investing.
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