Kisan Credit card- Under the KCC, loans up to Rs 3 lakh are available only at 7% interest. Those who return the money on time also get a discount of 3 percent.
There is good news for the farmers of the country. The process of making Kisan Credit Card for the beneficiaries of PM Kisan Yojana has been made very easy. Kisan Credit Card easily loans for fertilizers, seeds etc. If your Kisan Credit Card (KCC) has not yet been made, then the central government is making a Kisan Credit Card by running a campaign till 31 March. At the same time, by April 15 in UP, there is a great chance to get a Kisan Credit Card. Under KCC, loans up to 3 lakh rupees are available only at 7 percent interest. Those who return the money on time also get a discount of 3 percent. In this way, honest farmers are getting money at 4 percent interest only.
Campaign will run from village to village
Uttar Pradesh Chief Minister Yogi Adityanath has also instructed the farmers of the Pradhan Mantri Kisan Yojana to make Kisan Credit Card. According to the statement, all the beneficiaries of the Pradhan Mantri Kisan Yojana could not be given the Kisan Credit Card due to the Corona crisis, but now the farmers’ credit card is being made by running a village-to-village campaign. In this regard, Additional Chief Secretary (Agriculture) has issued letters to all the District Magistrates, Chief Development Officers and Deputy Directors of Agriculture.
How to apply for KCC?
Go to 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.
Very easy for the beneficiaries of PM farmer
If you are the beneficiary of PM farmer then it is very easy for you to make KCC. According to SBI, the beneficiaries of PM farmer can get KCC by submitting a simple one-page application form with photocopy of land papers and crop details.
KCC is also available for animal husbandry and fisheries
KCC is not limited to farming only. Loans up to 2 lakh rupees will also be available under this scheme for animal husbandry and fisheries. Any person connected with farming, fisheries and animal husbandry, even if he cultivates someone else’s land, can benefit from it. For this, the minimum age should be 18 years and maximum 75 years.
Where to complain
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 make a complaint against the bank. Banking Ombudsman can be contacted for this. 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 (pmkisan-ict@gov.in).
