Kisan Credit Card Scheme: The Central Government has been launched various schemes to provide benefits to the farmers. One of these schemes is the PM Kisan Credit Card Scheme.
The government is giving loans up to Rs 1.6 lakh without any guarantee under the Kisan Credit Card (KCC).
The amount of this loan can be used by the farmer buy seeds, fertilizers etc. for his field.
The government gives the loan under this scheme without any guarantee, if you also want to get the PM Kisan Credit Card, then you have to apply for Kisan Credit Card Scheme.
What is Kisan Credit Card (KCC) Scheme?
With the Kisan Credit Card, the government is giving loans to farmers at a very low-interest rate. The government is charging a 4 % annual interest rate under this scheme, which is very low.
If you pay the loan amount on time, then the loan amount can be increased to Rs 3 lakh.
Friends, let me tell you that those Kisan, who is associated with the Pradhan Mantri Kisan Yojana, gets an insurance cover of Rs 2 lakhs under the P M Suraksha Bima Yojana.
And under the Prime Minister Jeevan Jyoti Bima Yojana, can get insurance cover of 2 lakh rupees by paying 330 rs. yearly premium.
Benefits of Kisan Credit Card
- Under this scheme, the farmer can get a loan at a very low-interest rate.
- The farmer can get a loan of 1.6 lakh rupees with Kisan Credit Card.
- If the beneficiary pays the loan amount on time, then the loan amount can be increased up to Rs 3 lakh.
- Farmers who have arable land can easily avail the benefit of this scheme.
- In the Corona crisis, the Finance Minister of the country has scorned to give Kisan Credit Cards to 2.5 crore farmers associated with PM Kisan Yojana.
- Taking advantage of the Kisan Credit Card Scheme, about 10 crore farmers have registered under this scheme.
- While giving relief to the farmers, the RBI has given a three-month exemption, those who are unable to repay the loan amount due to lockdown.
- A farmer who is connected with a Kisan Credit Card can apply for loan from every bank.
Documents required for KCC loan Scheme
The farmer has to provide the following documents with the application form
- Farmer’s Aadhar Card
- Pan Card
- Copy of land
- Downloaded Application form
- Identity card
- 8 passport size photo
- Bank passbook
How to Apply for Kisan Credit Card Online
1) First of all, you have to visit the official website of the Ministry of Farmer Welfare https://eseva.csccloud.in/KCC/Default.aspx
2) Now, on the home page, click on the Apply NEW KCC menu option. This will redirect to you CSC digital Seva connect portal.
Here, you have to enter the CSC ID and its password and sign in it.
3) After that, you have to enter the Aadhaar card number on the front page. You have to keep in mind that the Aadhaar card number is only to be entered by the Kisan who has already registered in PM Kisan Samman Nidhi yojana.
4) As you fill the Aadhaar card number of the farmer, the information related to the Financial Detail page will open automatically.
5) Now click on Issue of fresh KCC option. and fill the loan amount you need and your registered mobile number.
6) Now you have to enter the Khasra number of your village and later need to submit the required documents.
7) After that, the payment option will appear, pay the CSC fee. This balance will be deducted from your CSC ID for which you have to submit
And after this your kisan credit card will issue.
Note: If a case is going on the land of the farmer, then he cannot get a loan.
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