Kisan Credit Card Yojana: The government runs many schemes to help the farmers financially. The government has a scheme for such farmers.Â
This scheme is Kisan Credit Card Scheme. Under this scheme, you can take a loan of 3 lakh, which he can use for his farming related work. For this you have to apply for KCC scheme
In fact, the government has started this scheme after seeing the small needs of farmers related to farming. For example, when the farmer has to apply medicine, fertilizer, seed or need money for farming or if he wants to buy any agricultural machine, then get money for all these needs by using Kisan Credit Card.
With this, farmers will be able to do farming even if they do not have money. After this, farmers can sell their crops and return the money raised through KCC.
Eligibility for getting Kisan Credit Card:
Kisan Credit Card can be made by any Indian farmer whose age is between 18 years to 75 years. Along with this, that farmer should have cultivable land, or who cultivates shareholding or is engaged in horticulture, animal husbandry or fisheries. That is, those who are farmers of this qualification can take advantage of it.
What are the benefits of Kisan Credit Card Yojana:
Under this scheme, farmers get a loan of Rs 3 lakh. The bank charges 7 percent interest on credit cards. If the farmers pay the loan amount on time, then the farmers get 3 percent subsidy. Accordingly, the interest on the loan is charged at the rate of only 4 percent per annum.
Know how to make Kisan Credit Card:
You can get this card made online as well as offline. You can get this card made offline by going to the bank. You can apply for Kisan Credit Card from any rural bank or cooperative bank. The bank will give you a form which you will have to fill and submit along with the required documents. After this, Kisan Credit Card will come in the next 15 days.
To get it made online, you can fill the credit card scheme form (KCC Scheme Form) by visiting the official site of PM Kisan Yojana at pmkisan.gov.in. Upload the form by giving all the information asked in this form. After that wait for the approval. If you are not able to do it online by yourself, then you can also get it done from the nearest CSC center.
Documents for getting Kisan Credit Card:
Aadhar Card, Ration Card, Voter ID, Driving License etc. will be documents to apply for this scheme.
If you do not get Kisan Credit Card, complain here:
According to the rules of the Reserve Bank, Kisan Credit Card (KCC) has to be issued within 15 days of applying for this scheme. If your card is not received within 15 days, then you can complain by contacting the helpline number 0120-6025109 / 155261. If you want, you can also make a complaint by visiting the official website of RBI https://cms.rbi.org.in/.
