The central government is preparing a Kisan Credit Card till 31 March 2021 for financial support of farmers. Any farmer can reach this nearest bank and take advantage of this facility very easily.
New Delhi. The central government is running several schemes for farmers. Among these, there is an excellent scheme Kisan Credit Card, in which low interest loans are provided for farming work at a cheaper rate of interest. If you have not made a Kisan credit card till now and then you have a full month left to take advantage of this scheme. Modi government is making a Kisan Credit Card by running a campaign till 31 March 2021.
Kisan Credit Card will be available within 15 days of application
Under the scheme, any farmer can get a farmer credit card very easily by reaching the nearest bank branch. Understanding the problems of farmers, the government has issued a very simple form for KCC application. After filling it, they will get their Kisan Credit Card in just 15 days. The service fee of up to Rs 3 lakh has been waived on the loan taken with this credit card. Explain that under KCC, loans up to Rs 3 lakh are available only at 7 per cent interest. Not only this, the farmers who return the money on time also get a rebate of 3 percent. In other words, the farmers who repay the loan on time are getting only 4 percent interest rate.
how to take advantage of the plan create and KCC
To get a Kisan Credit Card go to the official site of PM Kisan Yojana pmkisan.gov.in.
After that download the Kisan Credit Card form.
You have to fill this form with the documents of your arable land, details of the crop.
It has to be informed that you have not made any other Kisan Credit Card from any other bank or branch.
If you cannot apply online then go to your nearest bank branch and complete all the formalities.
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Voter card, PAN card, as ID proof One has to give passport, Aadhaar card, driving license.
Any document submitted for ID proof will be valid for address proof.
KCC can be obtained from any Co-operative Bank, Regional Rural Bank (RRB).
KCC can also be taken from Routine Bank of India (SBI), Bank of India (BOI) and IDBI Bank (IDBI Bank).
National Payments Corporation of India (NPCI) issues RuPay KCC.
Becomes expensive, see the latest price Kisan Credit Card helps farmers in this way
Savings Bank on loan in KCC account Interest is paid at the rate of Rs.
Free ATM cum Debit Card is provided for KCC card holders.
State Bank of India gives a debit / ATM card in the name of Kisan Card.
For loans up to 3 lakh rupees in KCC, interest rebate is given at the rate of 2% per annum.
Repayment of loan before time gives an additional interest rebate at the rate of 3% per annum.
Crop insurance coverage is available on KCC loans.
The quantum of loan for the first year is decided on the basis of agricultural cost, post-harvest expenses and land cost.
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KCC’s benefit is no longer limited to farming only. Animal husbandry and fisheries can also take a loan of up to 2 lakh rupees under this. Any person associated with farming, farming, animal husbandry and animal husbandry, even if he cultivates on someone else’s land, can take advantage of it. The minimum age should be 18 years and maximum 75 years. If the age of the farmer is more than 60 years, then a co-applicant will also be employed, whose age is below 60 years. After filling the farmer’s form, the bank employee will see whether you are eligible or not.
Not get the KCC, complain to the Banking Ombudsman,
as per RBI guidelines, the bank has to issue the KCC within 15 days of the application. If the card is not issued within the stipulated period then the farmers can complain to the Banking Ombudsman of the concerned area. Apart from this, a complaint can also be lodged on the official website of RBI https://cms.rbi.org.in/. Kisan credit card helpline number 0120-6025109 / 155261 and customers can also register a complaint by contacting the help desk through email pmkisan-ict@gov.in.
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