Kisan Credit Card Yojana : Hello farmer friends! The Government of India is always committed to strengthening farmers financially. Getting timely and cheap loans is very important for the development of agriculture. The Kisan Credit Card Yojana (KCC), launched with this same objective , is proving to be a big boon for farmers.
Now KCC has become more powerful with revised rules and benefits, providing quick financial assistance to farmers.
Kisan Credit Card Yojana
The biggest and most attractive feature of the Kisan Credit Card scheme lies in its interest rates. This scheme saves farmers from bearing the burden of interest.
| Features | Detail | Benefits to farmers |
| Maximum loan limit | Up to ₹5 lakh | Large farming expenses can be met easily. |
| Interest Rate | 0% (on timely payment) | Benefit of interest-free loans, huge reduction in farming costs. |
| Main objective | Easy and cheap loan for farming expenses ( Crop Loan ). | Urgent money for fertilizer, seeds, pesticides. |
| Beneficiary | All farmers of India | Most beneficial for small and marginal farmers. |
Note: Interest subsidy is available from the government on loans up to ₹3 lakh. Loans up to ₹5 lakh are provided by the bank based on the farmer’s eligibility and land. 0% interest facility is available only for farmers who make timely payments.
Benefits of KCC: Make farming more profitable
The Kisan Credit Card scheme provides easy loans to farmers for all their farming-related needs.
- Farming expenses: Assistance in purchasing fertilizers, seeds, pesticides, irrigation equipment.
- Fast assistance: Financial assistance in less time without complicated documentation process from the bank.
- Increase in income: Farmers’ income will increase significantly due to the absence of interest burden.
- Simple process: The application process for KCC is very simple compared to other loans.
How to apply for Kisan Credit Card?
The process of getting Kisan Credit Card has now become much easier. Farmers can apply as follows:
Application process and required documents
- Bank Visit: You can visit any nationalized bank (like SBI, PNB, Bank of Baroda) or rural bank near you and fill the application form.
- Online Application (Online KCC Apply): Now many banks also provide the facility to apply through online portals on their official websites.
- Required Documents: Keep the following documents ready for the application:
- Aadhar card and PAN card
- Land document (Extract 7/12, 8-A)
- Bank passbook (farmer’s account)
- Passport size photo and proof of income (if requested)
Conclusion: 0% interest loans are a revolutionary step
Kisan Credit Card Yojana is a revolutionary step to bring about a big change in the lives of farmers. The facility of loan up to ₹5 lakh with 0% interest provides a strong base for farmers to
| Info In Gujarati | View |
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