Kisan Credit Card Yojana 2023 [Online Apply] List, Application Status, Helpline Number: KCC (किसान क्रेडिट कार्ड योजना) scheme is an progressive scheme of Government of India to assist the farmers of the nation. Once the Kisan Credit Card is issued to farmers then they’ll simply avail KCC mortgage from any of the banks at low-interest charges to fulfill their agricultural wants. The curiosity in a KCC mortgage could be as little as 4%.
Being a farmer, you understand very nicely that how a lot the need of Kisan Credit Card has elevated. If you’re disadvantaged of the Kisan Credit Scheme, then go and get your Kisan Kisan Credit made immediately itself . As everyone knows that KKC was delivered to India in order that the farmer can fulfill his financial wants. Under the Kisan Credit Card Yojana, loans are made accessible to farmers at low charges by the federal government.
With the KCC mortgage, the farmer can provide issues like agricultural equipments, chemical compounds, seeds, fertilizers, pesticides and many others. Keeping in view the farmers’ earnings, credit score historical past, agricultural land, the federal government will make this mortgage accessible to the farmers at charges as much as 4%. This bank card is legitimate for five years. Farmer can take mortgage as much as 3 lakh in 5 years. The annual price of curiosity is 7% . However, if a farmer repays his mortgage inside 1 yr, then there’s a rebate of three% within the rate of interest . In this manner the rate of interest stays at 4% every year .
Kisan Credit Card Yojana 2023
Important Information -: Now solely 3 paperwork are wanted to make Kisan Credit Card. Land possession info, affidavit and residence certificates.
Also Read: E Shram Card Download 2023
Here we’ve shared all the mandatory particulars that you could know concerning the Kisan Credit Card. Just undergo the submit and accumulate particulars on what’s KCC, its advantages, new replace, easy methods to apply for it, the doc required, and all info related to it.
Loan taken above 3 lakh is known as time period mortgage or time period mortgage. The authorities doesn’t repair the charges of this mortgage. The curiosity paying financial institution decides how a lot mortgage will likely be accessible above 3 lakh, how a lot curiosity will likely be charged. There is not any concession for this from the federal government.
Kisan Credit Card Yojana – Key Information
| Scheme | Kisan Credit Card (KCC) Kisan Credit Card Scheme |
| Concerned Department | Department of Agriculture, Cooperation & Farmers Welfare, Ministry of Agriculture & Farmers Welfare, Govt. of India |
| Launch date | 14th August 1998 |
| Beneficiary | Farmers |
| Purpose | A financial institution mortgage for agriculture |
| KCC Validity | 5 years |
| Official web site | https://pmkisan.gov.in/ http://www.agricoop.gov.in/ |
| KCC Application kind | Click Here |
Objective of Kisan Credit Card Yojana
Being an agriculture prime nation, India has about 159.7 million hectares of agricultural land which is second on the earth after the united statesA. To avail most advantages from this agricultural land the federal government publicizes varied schemes and subsidies. The main announcement was the PM Samman Nidhi Scheme which was launched to offer monetary help to the farmers of the nation. The essential announcement underneath the PM Kisan scheme is the Kisan Credit Card Yojana.
Kisan Credit Card is instantly linked to your financial savings account.
The Kisan bank card supplies can also be a monetary aid-providing scheme. The important goal of the Kisan bank card scheme is to offer bank cards to the farmers in order that they don’t have to knock on the financial institution doorways for getting agricultural gear. Through bank cards, farmers may avail of financial institution loans at a really low curiosity. The process for acquiring the bank card is easy and it may be availed by following the easy steps offered beneath.
Kisan Credit Card Benefits
The KCC/Kisan Credit Card has enormous advantages for the farmers availing the scheme. The scheme will likely be accessible in a number of banks and the candidates can avail the scheme simply. Some of the essential advantages of the Kisan Credit Card is depicted beneath.
The greatest benefit of agriculture bank card is that underneath this scheme farmers get loans for private wants other than agricultural exercise.
Farmers can reap the benefits of many different advantages like insurance coverage of farmers, crop insurance coverage underneath this scheme.
- After the discharge of CSC facilities, it has now turn into extra simpler to avail the providers offered by the Government. The candidates can avail the providers by visiting the close by csc facilities.
- The rates of interest for which the mortgage is given are very low. Therefore, the farmers can earn extra revenue via the loans granted by the Government.
- The restrict of credit score within the Kisan Credit Card may also be elevated. If you have got a great CIBIL Score, you’ll be able to simply apply for growing the credit score restrict.
- Along with the credit score facility, the farmers additionally get further crop insurance coverage for which the mortgage is taken. The crop insurance coverage covers all main crops in it.
- The candidates may avail of varied different providers of the banks as after getting the bank card they are going to be registered clients of the financial institution.
- The providers may also be accessed via cell purposes. Almost each financial institution has offered on-line purposes.
Kisan Credit Card Scheme
Kisan Credit Card Yojana was launched on 14th August 1998 and the mannequin of this scheme was fashioned by the National Bank for Agriculture and Rural Development (NABARD). This scheme was launched with the intention to offer credit score help to the farmers in order that they’ll get monetary help to fulfill their agricultural wants. Farmers concerned in Agriculture, Fisheries, and Animal Husbandry are included underneath this scheme. Under this scheme, short-term mortgage for crops and time period mortgage is offered.
Through the Kisan Credit Card Scheme, the authority will present the beneficiaries with a really low-interest price. The means of availing of the mortgage may be very easy. Applicants should be aware that the mortgage underneath KCC is offered at an Interest price of 9%. On these rates of interest, the federal government supplies an extra subsidy of 2% which ends up to be 7%. After this, the candidates repaying the mortgage within the prescribed schedule will likely be returned with 3% of the curiosity quantity which can lastly price as much as 4%.
In easy phrases, it may be acknowledged that the applicant who maintains a great file in submitting the month-to-month installment will likely be supplied with a waiver of three%. Therefore, the ultimate rate of interest on which the beneficiary will get the mortgage is 4%.
The two kinds of credit score are provided underneath this scheme i.e. Cash Credit and Term Credit (It is offered for allied actions like- land improvement, drip irrigation, pump units, plantation, and many others.). Since the launch of the KCC scheme, the federal government has made many revisions to it. The validity of a KCC is 5 years.
Importance of Kisan Credit Card
- Using Kisan bank cards, farmers can take loans from banks at low-interest charges.
- KCC holders wouldn’t have to use for loans individually for every crop.
- With the assistance of KCC farmers should purchase seeds, agriculture gear, fertilizers, and different belongings of farming and agriculture.
- It can also be useful in lowering farmers’ debt burden.
Kisan Credit Card Yojana Eligibility Requirements
Kisan Credit Card is simply issued to farmers who fulfil the eligibility standards as prescribed by the authorities. Those who want to apply for Kisan Credit Card Yojana can under go eligibility necessities shared as under-
- People who’re land house owners cum cultivators
- All the farmers are particular person debtors or Joint debtors of cultivated land and are concerned in farming or allied actions like animal husbandry and fisheries.
- Self-Help Groups (SHG)/ Joint Liability Groups (which additionally embrace sharecroppers or tenant farmers)
- All the tenant farmers, oral lessees & share croppers and many others.
- The farmers needs to be residing within the operational areas of the financial institution.
Document Required to get Kisan Credit Card Yojana
At the time of software for KCC, applicant farmers are required to offer the next documents-
- Duly filled-in KCC software kind
- Any of the next id proof- Aadhaar Card, Voter ID card/ Driving License / PAN card / Passport and many others.
- Any of the next Id proof- Voter ID card / Aadhaar card / Driving license/ Passport and many others.
- Passport sized {photograph} of the applicant
- Land paperwork
- Other paperwork as prescribed by the financial institution.
Without legitimate paperwork, no Kisan bank card will likely be issued to the farmers.
Kisan Credit Card Scheme Uttar Pradesh Target
Under the scheme, the federal government goals to grant monetary help by offering Kisan Credit Cards to the farmers. The authority goals to grant KCC to greater than 100000 farmers. Through the KCC candidates can simply avail of loans at low-interest charges. To make every part of the agricultural sector extra environment friendly, the authority has deliberate to attain the below-given goal.
| District names | Credit Card |
| Aligarh Division | 2187 |
| Agra Division | 2863 |
| Azamgarh Division | 10148 |
| Prayagraj Division | 7758 |
| Kanpur Division | 5703 |
| Gorakhpur Division | 10349 |
| Chitrakoot Division | 4096 |
| Jhansi division | 3321 |
| Devipatan Mandal | 2811 |
| Ayodhya Division | 8239 |
| Bareilly Division | 3097 |
| Colony board | 3701 |
| Meerut Division | 4552 |
| Moradabad Division | 8409 |
| Varanasi Division | 5254 |
| School of Education | 3888 |
| Saharanpur Division | 1494 |
| Lucknow Division | 12130 |
Kisan Credit Card Yojana Indian Bank
KCC is obtainable by personal and public sector banks throughout the nation. Farmers who want to apply for KCC can go to any of the banks at their comfort.
All the general public sector banks present KCC to eligible farmers, and these banks embrace–
- National Payments Corporation of India (NPCI)
- National Bank for Agriculture and Rural Development (NABARD)
- State Bank of India (SBI)
- Industrial Development Bank of India (IDBI)
- Cooperative banks
Through the advisory issued by THE INDIAN BANK ASSOCIATION, all banks have been instructed to provide exemption on all providers associated to Kisan Credit Card, mortgage waiver.
Also, take a look on the names of a few of the Kisan bank card Indian financial institution personal and authorities banks providing KCC given below-
- State Bank of India
- Bank Of India
- ICICI Bank
- PNB
- Axis Bank
- HDFC Bank
- Indian Overseas Bank
- Odisha Gramya Bank
KCC Yojana Online Apply via PM Kisan Portal
In order to Kisan Credit Card Yojana apply online, farmers can comply with the easy directions shared below-
- Visit the official web site of PM Kisan i.e. https://pmkisan.gov.in/.
- On the homepage, click on on the “Download KCC Form” tab.
- PDF type of the KCC software kind will seem.
- Print the appliance kind.
- Fill within the required particulars within the software kind.
- Attach all the mandatory paperwork and go to the involved financial institution.
- After finishing all of the formalities, the financial institution will problem a Kisan bank card and on the premise of this farmer can apply for the mortgage.
Apart from the PM Kisan portal, farmers may avail of the KCC software kind from http://www.agricoop.gov.in/ or instantly from the financial institution.
KCC: How to Apply for Kisan Credit Card Online
- You want to go to the web web site of the respective Bank if you wish to apply.
- Look for the loans choice on the house web page after which search ‘Apply for KCC’
- Now software kind will open, learn and fill within the particulars accurately.
- Click submit button
- You will get an software reference quantity.
- Save the reference quantity for future reference.
Kisan Credit Card Yojana Links of Top Banks
To get Kisan Credit Card, farmers can fill the web KCC software kind via the hyperlinks given beneath. For some personal banks, you’ll first have to enter your particulars like identify, deal with, district, state, and cell quantity on their official web site after which the financial institution employees will contact you.
Farmers can obtain the appliance type of every financial institution from the hyperlinks given beneath. Fill up the appliance kind and submit it on the nearest department.
| Bank Name | KCC Loan Official Link |
| Axis Bank | https://www.axisbank.com/agri-and-rural/loans/kisan-credit-card |
| ICICI Bank | https://www.icicibank.com/rural/loans/farmer-finance/index.page |
| Punjab National Bank | https://www.pnbindia.in/agricultural-banking.html |
| Bank of Baroda | https://www.bankofbaroda.in/rural-agri/loans-advances/baroda-kisan-credit-card-bkcc.htm |
| Andhra Bank | https://www.andhrabank.in/english/AgriPrattabhiCards.aspx |
| Allahabad Bank | Click Here Kisan Credit Card Yojana |
| Odisha Gramya Bank | https://odishabank.in/KCC |
| Sarva Haryana Gramin Bank | https://www.shgb.co.in/Loans/Index/1 |
| Canara Bank | https://canarabank.com/english/bank-services/priority-portal/schemes/agriculture-and-rural-credit-schemes/ |
| HDFC Bank | https://www.hdfcbank.com/personal/resources/learning-centre/pay/kisan-credit-card |
| Bank of Maharashtra | https://www.bankofmaharashtra.in/mahabank_kisan_credit_card_mkcc |
| State Bank of India | https://sbi.co.in/web/agri-rural/agriculture-banking/crop-loan/kisan-credit-card |
KCC Insurance for farmers
KCC supplies private accident insurance coverage protection as much as Rs. 50,000 For demise. And in case of an accident leading to incapacity Rs. 25,000
Kisan Credit Card Yojana Helpline Number
Toll-Free – 1800 115 526
Tolled Helpline Number – 0120-6025109/155261
Help desk Email deal with – pmkisan-ict@gov.in
FAQ’s
How to use for a KCC mortgage?
You can go to the involved financial institution and apply for a mortgage instantly through the use of your KCC card.
Is there any mounted price of curiosity relevant for loans on KCC?
No, there is no such thing as a mounted price of curiosity and it’s determined by the involved financial institution. However, RBI additionally retains on checking the ceiling of the speed of curiosity provided by the financial institution to the farmers.
Do farmers additionally get any insurance coverage advantages together with KCC loans?
Yes, farmers additionally get insurance coverage cowl as much as Rs.50,000/- in case of demise and everlasting incapacity and a canopy of Rs.25,000/- for different dangers.
Apart from agriculture, which allied areas are lined underneath KCC?
Inland Fisheries and Aquaculture, Marine Fisheries, Poultry and Dairy.
How can I make the most of the mortgage on Kisan Credit Card?
You can use it within the following areas-
As working capital for day-to-day actions
Expenses incurred in crop manufacturing
Expenses associated to advertising and marketing
Expenses associated to upkeep of farming gear, belongings, and different actions equivalent to fisheries, dairy and many others.
Investments in agriculture objective
I wouldn’t have any load or bank card from any financial institution as of now however want to apply for KCC, can I apply for it?
Yes, in case you are a farmer and fulfil all of the eligibility necessities, you’ll be able to apply for KCC.
What do I’ve to do to get the KCC?
For this, it’s a must to submit your software. The software kind could be downloaded from the hyperlink shared above. You have to go to the financial institution providing KCC close to you and full the method.
If I avail of the moratorium reduction, will there be any impact on my CIBIL reporting/ credit standing?
No, there won’t be any impact in your credit standing. However, any overdue of yours previous to mentioned date i.e. 1st March 2020 will likely be reported to the involved bureau and that will have an effect on your credit standing.
Will my curiosity on the KCC mortgage be waived for 3 months as per the reduction package deal offered by the RBI?
No, RBI has solely introduced deferring the cost of curiosity not the waiver of the mortgage, After, 31st May 2020, it’s a must to pay the accrued curiosity due on thirtieth June 2020.
What is the listing of essential paperwork required to avail of the KCC Loan?
The essential paperwork that are wanted to use for the KCC Loan are offered below-:
Photo Identity Card,
Land particulars paperwork,
Mobile Number,
Address Proof,
PAN Card and Photo Identity.
What are the important eligibility pointers to avail of the mortgage?
The fundamental eligibility is that the applicant have to be a everlasting resident of India other than this they need to have their very own cultivable land. These are the fundamental requirement to avail of the KCC Loan.
What are the rates of interest for the KCC?
The rate of interest for Kisan Credit Card is 7% from which 3% is returned to the applicant if they’ve achieved the reimbursement on time.
What is the tenure of the mortgage?
The tenure of the Kisan Credit Card mortgage is for five years.
What is the utmost quantity of mortgage that may be availed from the Kisan Credit Card Loan scheme?
The most quantity of mortgage that may be availed from the Kisan Credit Card mortgage scheme is as much as 3 lakhs.
What quantity is offered in case of crop injury?
The beneficiary can declare as much as 25,000 within the case of crop injury.
In case of an accident or different mishaps, how a lot quantity is insured for the beneficiaries?
The accident insurance coverage protection is as much as Rs. 50,000 For demise and Rs 25,000 for everlasting incapacity.
For which companies mortgage is obtainable via Kisan Credit Card Yojana?
Farmers can get mortgage from Kisan Credit Card for companies like agriculture, fisheries, animal husbandry and many others.
