किसान क्रेडिट कार्ड योजना 2023: 3 लाख रूपये तक का मिलेगा ऋण (Kisan Credit Card)

Kisan Credit Card Scheme 2023: Loan up to Rs 3 lakh will be available, what is it?, when did it start, advantages, Apply Online, Loan, Helpline Number, Eligibility, Document, official website, Last date, latest News (Kisan Credit Card,When will it start?, How is it distributed?, Apply Online, loan, Helpline Number, Eligibility, Documents, Official Website, Last Date, Latest News,

Various types of government schemes have been launched by the Government of India for the welfare of farmers and new schemes are also being launched. In this sequence, the government has started the Kisan Credit Card Scheme to double the income of the farmers. Through the Kisan Credit Card Scheme, farmers will be given a credit card, which they can take full advantage of. Here in this article, we will give you information about what is Kisan Credit Card Scheme and how to make Kisan Credit Card and what are the benefits of Kisan Credit Card.

Kisan Credit Card Scheme 2023

Prime Minister Kisan Samman Nidhi Yojana

What is Kisan Credit Card Scheme

Kisan Credit Card Scheme has been started by the Central Government for farmers. Through this scheme, farmers are given a credit card through which they can get a loan up to Rs 300,000. The money that farmers receive under the loan can be used for farming purposes. Such as irrigating the fields, purchasing seeds, providing fertilizer to the crops, paying wages to the laborers working in the fields, etc. Along with this, farmers can also get their crops insured. The government has also included animal husbandry people and fishermen under the housing scheme. If you are a farmer and want to get the benefit of this scheme, then you can apply for the scheme from the official website and by getting a Kisan Credit Card, you can get a loan at an interest rate of 4 percent without any guarantee. This scheme was started in 1998 by the Government of India and Reserve Bank of India and NABARD.

Kisan Credit Card Loan

To get loan on Kisan Credit Card, contact your bank. To the bank you will need to carry Aadhaar card, PAN card and farm documents like Khasra, Khatauni and share certificate. The bank will check your credit score before giving the loan. If the credit score is good, the loan will be approved easily. In this process you can get a loan of Rs 160000. To get a loan more than this, you will have to get the documents verified from the tehsil by a lawyer. Once the loan limit is decided, you can deposit or withdraw money from the loan anytime for 5 years. After getting the loan, the bank can mortgage your cultivable land.

Prime Minister Kisan Maandhan Pension Scheme

Kisan Credit Card Scheme Objective

There are many farmers in the country whose financial condition is very bad and such farmers have a little land with which they can survive, but many times due to financial constraints they are not able to sow the crop at the right time. , nor are they able to irrigate it. In such a situation, Kisan Credit Card Scheme has been started by the government with the aim of providing financial assistance to farmers for farming, so that they can get loan on their card through the scheme and can use the loan money for farming. So that there can be bumper production and improvement in the economic condition of farmers.

Kisan Credit Card Benefits

The benefits of Kisan Credit Card are as follows.

• The benefit of Kisan Credit Card Scheme is given to the beneficiary person under Kisan Samman Nidhi Scheme.
• By using the credit cards available under the scheme, farmers can easily get loans at very low interest rates.
• Those who have Kisan Credit Card available, if the card has been closed due to any reason, then they can get it reactivated.
• Now through Kisan Credit Card, beneficiaries can also get a loan up to ₹ 300000 at an interest rate of 9%. However, the loan amount may be different for different farmers.
• The government gives a subsidy of 2% on the loan taken on the card, that is, only 7% interest is charged on the loan.
• If the loan is repaid on time by the farmers, then an additional rebate of 3% is available, that is, in such a situation, the farmers need to pay only 4% interest.
• Once Kisan Credit Card is made, its validity is for 5 years. After that it has to be renewed.
• To avail the benefits of the scheme they need to submit their application form to the bank.
• A person desirous of getting a Kisan Credit Card can also apply for one under the Self-reliant India Scheme.

PM Pranam Yojana

Kisan Credit Card Scheme Eligibility (Eligibility)

• Those farmers who have cultivable land are eligible for the scheme.
• Farmers who have land in their own name can apply for Kisan Credit Card.
• It is necessary for the farmer to be an Indian citizen.

Kisan Credit Card Scheme Document (Documents)

• applicant’s aadhar card
• Farmer must be an Indian resident
• copy of land
• PAN card
• mobile number
• No Dues Certificate of Land
• passport size photo
• CIBIL score 700 or more than 700

Pradhan Mantri Garib Kalyan Yojana

Offline application for Kisan Credit Card (KCC offline apply)

• To get Kisan Credit Card, first of all you have to get photocopies of important documents and go to your nearest bank branch.
• After going to the bank, you have to obtain the application form for Kisan Credit Card Scheme from the employees there. After receiving the application form, all important information has to be entered in it.
• After filling the information, you have to paste the photo in the designated place and put your thumb impression or signature. After this, the photo copy of the document has to be attached with the same application number and it has to be taken to the bank official and submitted.
• After this, there will be verification of documents and information and if everything is correct, then in a few days you will be issued Kisan Credit Card and information about it will be given to you on the phone number.

Farmer credit card Online Apply

• To apply online for Kisan Credit Card, you have to go to the home page of the official website of Pradhan Mantri Kisan Samman Nidhi Yojana.
• There you will get the option of download KCC form, click on it. After this, KCC Application Form PDF will open on your screen, you have to download this PDF and print it.
• After this all the information has to be filled in the application form. After entering all the information, photocopies of important documents have to be attached with the application form. After this, you have to go to the branch of the bank in which you have an account and submit this application form to the concerned employees.
• Now your application form, documents and all the information will be verified by the bank and if everything is correct in the verification, then within 15 days only Kisan Credit Card will be issued in your name and the card will be sent to you through post. Will be sent to your home address.

Pradhan Mantri Vishwakarma Yojana

How to increase KCC limit or reactivate closed card

• To increase the limit of Kisan Credit Card, you have to go to the home page of the official website of Pradhan Mantri Kisan.
• After going to the home page, you have to go to the Farmer’s Corner area.
• Now you need to click on the CCC form option.
• After this you have to download this form and take a print out.
• After taking the print out, you have to enter all the important information inside the form and attach the documents and submit it to the nearest bank.
• In this way, after verification of everything, if you are eligible, then your Kisan Credit Card limit will be increased or the card will be closed.

Kisan Credit Land requirement for card

The work of determining how much land will be required for Kisan Credit Card depends on the scale of finance decided by a technical committee at the district level. Its chairman is the District Magistrate. Let us tell you that the scale of finance is decided every year by the District Level Technical Committee, in which the scale of finance is fixed on per hectare/per acre basis for every crop grown on irrigated and non-irrigated land.

Prime Minister Skill Development Scheme

Kisan Credit Card Period (Farmer credit card Limit)

Kisan Credit Card is given to any farmer for 5 years. During the period of 5 years, you can add money to your credit card whenever you want and withdraw it whenever you want. After completion of 5 years, you can renew your Kisan Credit Card again by depositing the interest. You will have to pay interest only on the amount you withdraw from Kisan Credit Card.

interest on kisan credit card (Farmer credit card interest rate)

If you have availed a loan up to ₹300000 on Kisan Credit Card, then you need to repay the loan by depositing the interest in full once before the completion of 1 year from the date on which you took the loan. And once you repay the loan, you become eligible to take the loan again. However, if you are not able to collect the loan amount in a year, then you can pay the interest due for that year. With this you will not have to face any action from the bank and you will get another year’s chance. Under this scheme, the government gives you 3% interest rebate on loan of ₹300000. Actually, the interest on Kisan Credit Card is 9% in which 2% is subsidized by the government and 3% discount is available on depositing the loan within the stipulated time. In this way you have to pay only 4% interest.

Prime Minister Jan Dhan Yojana

Determination of Kisan Credit Card Loan Limit Loan limit)

The amount of loan given by the bank against Kisan Credit Card depends on the crop, repair and maintenance and the size of the land. The amount of loan to be given for any crop is decided by the members of a District Level Technical Committee chaired by the DM, which is convened every year.

What will happen if a farmer holding Kisan Credit Card dies?

While giving loans to farmers on credit cards, the bank provides insurance up to ₹ 500,000 in the name of the farmer. In such a situation, if the farmer dies later on, then the Kisan Credit Card loan is compensated with the insurance money. Also, while giving the loan, the bank takes the farmer’s land on mortgage and his Enters information online. If the loan amount is not fully recovered even with the insurance money, then the heirs of the farmer are required to pay the remaining amount of the loan, only then the land will be transferred in their name, otherwise not.

Pradhan Mantri Suraksha Bima Yojana

Will Kisan Credit Card money be waived off or not?

When the government decides to waive the amount of Kisan Credit Card, then for this the government issues an advisory to all the banks, which has some rules, according to which banks can waive the amount of Kisan Credit Card of selected farmers. Can. The government issues its notification through newspapers and banks also inform about it. If the waiver scheme comes, then you have to fill your land information along with an application form and submit it to the bank, after which after everything is verified, the Kisan Credit Card money is waived off. This type of amnesty scheme often comes during the election season.

Kisan Credit Card Helpline Number

Through the article, we have provided you important information about Kisan Credit Card Scheme and Kisan Credit Card. Below we have also given the helpline number of the scheme, on which you can contact to get more information or lodge a complaint related to Kisan Credit Card.

011-24300606