Kisan Credit Card Scheme: Easy Loans for Farmers, How to Apply & Benefits

The Kisan Credit Card (KCC) scheme is made by the Government of India to give quick and affordable loans to farmers for farming needs. This scheme, run by the Ministry of Agriculture and Farmers Welfare, makes sure that farmers get easy, low-cost loans for farming, post-harvest costs, and other needs. With the Kisan Card, the government wants to make borrowing simple, helping farmers every step of their farming work.

The Kisan Credit Card scheme gives farmers a one-stop way to get loans for many needs like growing crops, selling produce, and household expenses. The card also supports other farming-related activities like animal rearing, dairy, and fish farming. Farmers can borrow at very low-interest rates, making it easier to manage money throughout the year.

Objectives

1. To provide farmers with adequate and timely credit.
2. To meet the short-term credit requirements for crops.
3. To cover post-harvest expenses.
4. To offer credit for produce marketing loans.
5. To address household consumption needs.
6. To provide working capital for farm maintenance and allied agricultural activities.
7. To support long-term investments in agricultural infrastructure.

Eligibility Criteria

• Individual farmers who are owner cultivators.
• Tenant farmers, sharecroppers, and oral lessees.
• Farmers involved in allied activities like animal husbandry, fisheries, etc.
• Self-Help Groups (SHGs) or Joint Liability Groups (JLGs) engaged in farming activities.

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Benefits

• Very low-interest rates due to government help.
• Flexible repayment periods that fit the farming cycle.
• Option to apply for PM Kisan Card online for easy access.
• Withdrawals through ATMs and micro-ATMs, plus digital transactions with Kisan Card download.
• Support for other activities like dairy and fish farming.

Farmers can link their Aadhaar to their PM Kisan Credit Card for faster and simpler application.

Required Documents

• Application form.
• Two passport-sized photographs.
• ID proof (Aadhar Card, Driving License, Voter ID, or Passport).
• Address proof (Aadhar Card, Driving License).
• Proof of landholding, certified by the local revenue authorities.
• Cropping pattern details (crops grown and acreage).
• Security documents for loan limits exceeding Rs. 1.6 lakh/Rs. 3 lakh, if applicable.

Farmers can use the Credit Card download option from the official websites of their respective banks to complete the application process.

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How to Apply

1. Online Application:
   • Visit the Kisan Credit Card official website or the website of the bank offering the scheme.
   • Select the Kisan Credit Card option.
   • Fill in the required details and submit the form.
   • A reference number will be provided for tracking the application.
2. Offline Application:
   • Visit the nearest bank branch and request the Credit Card application form.
   • Submit the filled form along with the necessary documents.
   • The bank will process the application and issue the card if eligible.

With the Kisan Credit Card apply process being streamlined online, farmers can now apply conveniently from their homes without visiting the bank multiple times.

The Kisan Credit Card scheme is a big support for Indian farmers, providing easy and low-cost loans. By making loans simple to get at low interest, the scheme helps farmers focus on growing crops without money stress.Whether through the PM Kisan Card online apply process or by visiting the Kisan Credit Card official website, this initiative ensures timely and affordable credit for the nation’s farmers.