Frequently Asked Questions

You can apply online through your personal account on the website, through ACC partners (credit partnerships, MFIs, partner banks), or in person at the nearest regional ACC branch. Online applications require an EDS or eGov Mobile authorisation.

Standard package: identity document, IIN, documents for land plot or collateral, livestock certificate (for livestock lending), business plan or feasibility study for large loans. The full list depends on the programme — check in your personal account or with a manager.

Up to 15 working days from submission of a complete document package. For microcredits (Isker program) – up to 7 working days. Application status is available in real time in the personal account.

Most programs require collateral: land, agricultural machinery, animals, future crops. For Isker and microcredits, a guarantee or pledge of movable property is possible. Some programs accept guarantees from the Damu Entrepreneurship Development Fund.

The state compensates part of the interest rate on ACC loans under Ministry of Agriculture subsidisation programmes. The effective rate for borrowers starts from 5% per annum on subsidised programmes. The subsidy is paid directly to ACC; the borrower pays only the subsidised portion.

The Isker program is designed for new farmers: up to 5,000 MCI, simplified document requirements, shorter review period. Igilik and Bereke programs are also available for small-scale livestock farming. Try the program selector on the home page.

Yes. ACC loans are available to peasant (farmer) households, individual entrepreneurs, and individuals — owners of personal subsidiary farms (under certain programmes). Check the legal form requirements for the specific programme.

A credit partnership (CP) is a non-commercial association of farmers that receives wholesale funding from ACC and distributes it among its members. To get a loan through a CP, you must become a member of the partnership in your district. The list of accredited credit partnerships is in the Contacts section.

Under the Agrobusiness 2.0 program: up to 15 billion tenge, up to 120 months. Other programs range from 5,000 MCI (Isker) to 7 billion ₸ (Ken dala 2). The maximum term for most programs is 84–120 months. Use the calculator on the website.

For livestock programmes, ACC runs an express economic assessment using Fajr norms: income (milk, meat, additional sales), expenses (feed, veterinary, wages, rent) and the ratio of annual payment to net income are evaluated. If the payment exceeds 50% of net income — adjusting the loan amount or term is recommended.

AER is the annual effective rate, which reflects the real cost of a loan. CP means a credit partnership, and STB means a second-tier commercial bank. Fieldwork and harvesting covers seasonal sowing and harvesting costs. Working capital covers day-to-day business expenses. MCI is the monthly calculation index used for statutory limits; in 2026 it is KZT 4,325. A margin is the partner institution's mark-up on the ACC rate.