PM Kisan: If you need money for farming, then you can get a loan of up to Rs 3 lakh at 4% through Kisan Credit Card. At the same time, now KCC is not limited to agriculture only. For animal husbandry and fisheries also, loans up to Rs 2 lakh will be available under this scheme. Any person associated with farming, pisciculture and animal husbandry, even if he cultivates on someone else’s land, can take advantage of this. Minimum age should be 18 years and maximum 75 years.
Very easy for the beneficiaries of Kisan Samman Nidhi Yojana
If you are the beneficiaries of Pradhan Mantri Kisan Samman Nidhi Yojana then it is very easy for you to get Kisan Credit Card (KCC). However, many farmers are upset with the attitude of the banks regarding KCC. Farmers allege that banks are reluctant to make cards, they do not give them loans. In such a situation, we are going to tell you the solution. If a bank does not make a Kisan Credit Card despite being eligible, then you can complain about it at such a place, from where that bank’s class will be held.
Complain here
According to the guidelines of the Reserve Bank of India, the bank has to issue this card within 15 days of the farmer’s application. If the card is not issued within 15 days, you can file a complaint against the bank. For this you can approach the Banking Ombudsman. You make a complaint to the Banking Ombudsman in whose jurisdiction the branch or office of the bank is located. Apart from this, you can visit the link of the official website of RBI https://cms.rbi.org.in/. At the same time, Kisan Credit Card helpline number 0120-6025109 / 155261 and customers can also contact the help desk through email (pmkisan-ict@gov.in).
Process to get Kisan Credit Card:
Now the government has also linked Kisan Credit Card with this scheme. That is, the farmers to whom the government is giving Rs 6000 in three installments of Rs 2000-2000, it will be easy for them to get KCC made. Let the KCC holders get a loan of up to Rs 3 lakh at 4 per cent.
- First of all go to the official site https://pmkisan.gov.in/ and download the Kisan Credit Card form here.
- You have to fill this form with your land documents, crop details.
- It will also have to be given that you have not made any other Kisan Credit Card from any other bank or branch.
- Submit by filling the application, after which you will get the Kisan Credit Card from the concerned bank.
Documents required for KCC
For ID Proof: Voter ID card/ PAN card/ Passport/ Aadhar card/ Driving license etc.
Address Proof: Voter ID card / Passport / Aadhar card / Driving license etc.
Let us tell you that under KCC, loans up to Rs 3 lakh are available at only 7 percent interest. If you return the money on time, you get a discount of 3 percent. In this way, honest farmers are getting money only at 4% interest.
