Kisan Credit Card, Eligibility Criteria, Features & Objectives, Apply Online Link

Kisan Credit Card:- Something significant has been quietly taking place in the middle of India, where farming plays a crucial role in both the economy and the lives of its inhabitants. It’s known as the Kisan Credit Card, and like an exceptional card assists ranchers with cash. Despite the fact that urban communities are utilizing extravagant innovation, towns are evolving as well. This card is like a superhuman for ranchers, assisting them with cash and improving their lives. Among the ranches and crops, the Kisan Charge card resembles a light that shows ranchers a superior future and assists them with dealing with themselves.

The Kisan Credit Card is a government initiative in India that aims to provide farmers with an easy and convenient way to access credit for their agricultural needs. This special credit card is designed specifically for farmers and offers them a range of benefits, including low interest rates, flexible repayment options, and easy access to funds. With the Kisan Credit Card, farmers can easily avail loans for purchasing seeds, fertilizers, machinery, and other agricultural inputs, as well as for meeting their working capital requirements. The card also provides insurance coverage to protect farmers against crop damage or loss due to natural calamities.

Kisan Credit Card

The Kisan Credit Card (KCC) program is a ground-breaking Indian government initiative to provide farmers with prompt and adequate credit support. The program, which was launched in 1998, aims to meet farmers’ short-term credit needs for crop production, post-harvest expenses, asset maintenance, and other related activities. KCCs are basically Credits given by banks and other monetary establishments to qualified ranchers, empowering them to get to problem free and reasonable credit for their horticultural necessities. This scheme is essential for increasing agricultural productivity, promoting modern farming methods, and ultimately improving farmers’ livelihoods across the nation.

It was introduced by the Government of India with the aim of providing affordable credit to farmers for their agricultural expenses. The Kisan Credit Card offers farmers access to short-term credit for crop production, post-harvest expenses, and working capital for agricultural activities. Farmers can use this credit card to purchase inputs such as seeds, fertilizers, pesticides, and machinery, as well as to cover other farming-related expenses. The KCC also provides flexibility in repayment, with farmers having the option to repay the loan in installments or at the end of the harvest season.

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Kisan Credit Card Details

Scheme Kisan Credit Card (KCC)
Objective Reducing financial burdens during agricultural production
Category Govt. Scheme
Mode of application Both online and offline
Official website

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Kisan Credit Card Eligibility Criteria

Credit cards are available to anyone involved in agriculture, allied activities, or other non-farming activities. These are the detailed eligibility criteria for Kisan Credit Card:

  • Minimum age – 18 years
  • Maximum age – 75 years
  • Borrowers over 60 years of age require a co-borrower, who should be a legal heir to the borrower
    Any farmer who cultivates his own land.
  • Individuals who are members of a group and are joint borrowers. The group must include owner-cultivators.
  • KCCs are available to sharecroppers, tenants, or oral lessees.
  • Self-help groups (SHGs) or joint liability groups (JLGs) of sharecroppers, farmers, or tenants.
  • Farmers who produce crops or engage in allied activities such as animal husbandry or outdoor activities such as fishing.

Documents Required For Kisan Credit Card Scheme

  • The application structure has been finished and marked.
  • copies of identity documents like voter IDs, driving licenses, Aadhaar cards, and so on.
  • Duplicates of archives demonstrating address, for example, Aadhaar cards, Skillet cards, elector ID cards, and driving licenses. The applicant’s current address must be included in any valid documentation.
  • Archives connected with land.
  • A candidate’s Credit measured photo.
  • Additional documents, such as the PDC that the loan-granting bank requests.

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How To Check Kisan Credit Card Online?

Candidates for the can apply on the web or disconnected.

  1. Sign on to the site of the bank where you wish to apply for the Kisan Credit
  2. From the available choices, choose the Kisan Credit Card.
  3. The webpage takes you to the application form after you click the “Apply” option.
  4. Complete the structure and snap the ‘Submit’ button.
  5. After submitting your application, you will be given a reference number.
  6. Assuming you qualify, the bank will reach you inside 3-4 business days to examine the subsequent stages.

Kisan Credit Card Features and Objectives

Loan aims low-interest credits to ranchers. In the past, farmers relied on high-interest money lenders with strict due dates and high interest rates. As a result, farmers had to deal with a lot of problems, especially when droughts and hailstorms hit.

  • For loans of up to Rs. 50,000, interest rates as low as 2.00% are possible. 1.60 lakhs, and banks won’t ask for a security deposit. Crop insurance protects farmers from a variety of disasters. In addition to permanent disability insurance, the farmer is cover for death and other risks.
  • Payment terms are determine by how much the crop is harvest and sold. 3.00 lakh in advances.
  • Farmers who open an account with the Kisan Credit Card can expect to earn high interest rates on their funds.
  • A basic loan fee is charge to ranchers who make brief installments.
  • Compound interest will be charge to a cardholder who doesn’t pay their bills on time.

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Step To Check Kisan Credit Card Offline?

  • You can also complete an offline application by visiting the branch of the bank of your choice or downloading the application form from the bank’s website.
  • Applicants can get assistance with the application process from a branch representative.
  • When the conventions are finish, the bank’s credit official can help the rancher in getting a credit.
  • If the loan is more than Rs. 1.60 lakhs, the credit official will request security subsequent to thinking about all elements.
  • A credit card will be issue to the farmer as soon as the processing is finish.

How To Check Kisan Credit Card balance?

Since the application process is now online, you can apply at any bank that issues KCCs.

  1. Contact the customer service department of the bank where you got your Kisan Credit Card to see how much money is left on it.
  2. By logging in to the bank’s portal, you can also check the balance of the on the bank’s website. check here for greater government plans

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In conclusion, the Kisan Credit Card (KCC) scheme has proven to be an invaluable tool for farmers in India. By providing them with access to affordable credit and financial services, the KCC has helped to alleviate some of the financial burdens faced by farmers and improve their overall livelihoods. The ease of obtaining credit through the KCC, along with the flexible repayment options, has made it a popular choice among farmers across the country. Furthermore, the inclusion of insurance coverage for crops and livestock has provided farmers with a safety net in case of unforeseen circumstances. Overall, the Kisan Credit Card has played a crucial role in empowering farmers and promoting agricultural growth in India.

Kisan Credit Card FAQ’S

Who is qualified for Kisan Card?

any farmer who is an owner-operator of a farm. individuals who borrow jointly and are members of a group. Owner-cultivators are require for the group. Tenant farmers, sharecroppers, or an oral renter are qualified for the KCC.

What is the Credit Card?

In order to make it easier for farmers to purchase agricultural inputs like seeds, fertilizers, pesticides, and more, the Kisan Credit Card (KCC) scheme was implement in 1998. The purpose of the scheme was to issue Credit Cards to farmers base on the holdings they had in order to ensure their uniform adoption by banks. furthermore, draw cash for their creation needs.

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