Скачать или смотреть KCC Loan kaise le|KCC Loan kaise milta hai?|Kisan Credit Card Process

Kisan Credit Card (KCC) scheme is an Indian government initiative designed to provide timely and affordable credit to farmers. Established in 1998 by NABARD, the scheme aims to save farmers from high-interest rates charged by informal lenders by offering a simplified, single-window credit facility.
Features and benefits of a KCC
Credit for agricultural needs: Provides credit for a wide range of farm-related expenses, including cultivation, purchase of inputs (seeds, fertilizers), post-harvest costs, and maintenance of farm assets.
Allied activities: In 2004, the scheme expanded to cover allied and non-farm activities, such as dairy farming, animal husbandry, and fisheries.
Flexible credit limit: The card offers a revolving cash credit account, allowing farmers to draw money as needed. The limit is determined based on the farmer's landholding and cropping pattern.
Low interest rates: Offers loans at a low-interest rate of around 7% per annum for short-term agricultural credit up to ₹3 lakh.
Interest subvention and incentives: The government offers an interest subvention (subsidy) of 1.5% and a prompt repayment incentive of 3% per annum for eligible farmers, which can bring the effective interest rate down.
Long-term validity: The card is typically valid for five years, subject to an annual review.
Waiver of collateral: Loans up to ₹1.60 lakh are generally collateral-free. However, for higher limits, collateral may be required at the bank's discretion.
Insurance coverage: Provides insurance coverage for the crops under the Pradhan Mantri Fasal Bima Yojana (PMFBY), as well as personal accident insurance for the borrower.
Digital access: Farmers can withdraw funds through various channels, including ATMs, business correspondents, and mobile banking.
Eligibility criteria
To be eligible for a Kisan Credit Card, applicants must meet the following conditions:
Age: Must be between 18 and 75 years old. For senior citizens (over 60), a co-borrower who is a legal heir is mandatory.
Category: Must be an owner-cultivator, tenant farmer, oral lessee, or sharecropper.
Groups: Self-Help Groups (SHGs) and Joint Liability Groups (JLGs) are also eligible to apply.
Activity: Must be involved in agricultural, allied, or non-farm activities.
Minimum credit: Must be eligible for a production credit of ₹5,000 or more.
How to apply
Offline application
Visit the nearest branch of a participating bank, such as SBI, PNB, HDFC, or Axis Bank.
Obtain the application form from a bank representative.
Fill out the form and submit it along with all the necessary documents.
The bank will verify your details and process the loan.
Documents required
Applicants must submit the following documents to apply for a KCC:
Application Form: Duly filled and signed.
Photographs: Two passport-size photos.
Identity Proof: Aadhaar Card, PAN Card, Voter ID, or Driving License.
Address Proof: Aadhaar Card, Driving License, etc.
Land Records: Certified proof of landholding from revenue authorities.
Other documents: Proof of cropping pattern and any other security documents required for loans above ₹1.60 lakh.
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