Do not be discouraged if you are a farmer and your farmer credit card (KCC) has not yet been created. The government is making a Kisan Credit Card by running a campaign till 31 March. Farmers who have not yet received KCC can contact their nearest bank branch. For this, the process of obtaining KCC has been greatly simplified by the government. Now farmers have to fill an extremely easy form and they will get KCC within 15 days. Explain that the service fee of up to Rs 3 lakh on the KCC loan has been waived.
Also Read: PM Kisan Samman Nidhi: Farmers of this state get not only Rs 6,000 but Rs 25,000 annually
According to Finance Minister Nirmala Sitharaman’s office tweet, KCC Saturation Drive, which was launched with the aim of covering all the farmers eligible for KCC, has completed one year. During this time, over 1.82 crore KCCs were issued and a credit limit of ₹ 1.73 lakh crore was sanctioned. Now the government is running KCC saturation drive till 31 March 2021.
If you are the beneficiary of PM farmer then it is very easy for you to make KCC. According to SBI, beneficiaries of PM farmers can obtain KCC by submitting a simple one-page application form with photocopy of land papers and crop details.
Now let us tell you that KCC is not limited to farming only. Under this scheme, loans up to Rs 2 lakh will also be available for animal husbandry and fisheries. Any person connected with farming, fisheries and animal husbandry, even if he cultivates someone else’s land, can take advantage of it. The minimum age should be 18 years and maximum 75 years.
केसीसी के पात्र सभी किसानो को कवर करने के उद्देश्य से शुरू की गयी KCC Saturation Drive ने एक साल पूरा कर लिया है। इतने समय में 1.82 करोड़ से अधिक केसीसी जारी किए गए एवं ₹1.73 लाख करोड़ की क्रेडिट limit स्वीकृत की गई।#EasyKCC4Farmers pic.twitter.com/g8VNsdtfpO
— NSitharamanOffice (@nsitharamanoffc) February 28, 2021
Loan at 4% interest
Under the KCC, loans up to Rs 3 lakh are available only at 7% interest. If you return the money on time, then there is a discount of 3 percent. In this way, honest farmers are getting money at 4 percent interest only.
If you want to apply for Kisan Credit Card, then this is the process
Visit the official site https://pmkisan.gov.in/ and download the Kisan Credit Card form here. You have to fill this form with the documents of your land, details of the crop. This information should also be given that you have not made any other Kisan Credit Card from any other bank or branch. Fill and submit the application, after which you will get the Kisan Credit Card from the concerned bank.
Documents required for KCC
For ID proof: Voter ID card / PAN card / Passport / Aadhaar card / Driving license etc.
Address proof: Voter ID card / passport / Aadhaar card / driving license etc.
If not found then complain here
According to the guidelines of the Reserve Bank of India, the bank has to issue this card within 15 days of the application of the farmer. If the card is not issued within 15 days, you can compete against the bank. For this you can contact the Banking Ombudsman. You should complain to the Banking Ombudsman under whose jurisdiction the branch or office of the bank is located. Apart from this, you can visit the link of the official website of RBI at https://cms.rbi.org.in/. At the same time, farmers can also contact the help desk through credit card helpline number 0120-6025109 / 155261 and customer email (firstname.lastname@example.org).