PM Kisan Credit Card is help from the government in the form of finance with the help of a bank institution. It is commonly known as KCC, Process of Apply Online Application Form, Benefits, and other important information this context is available on this page. It was introduced in the year 1998. At that time, the government introduced KCC to meet the financial needs of farmers in our country. Kisan Credit Card is no new scheme from the government of India. But it is a new improvisational form of the scheme from the Indian Government. Now you will think about how? Well, the answer is here. Earlier, through KCC farmers used to get loan amounts but it was not on a concessional interest rate. Now the interest rate is just 4 percent. With the amid Covid-19 Lockdown, Finance Minister Nirmala Sitharaman improvised KCC Scheme and promised to help all the farmers of the country.
वित्त मंत्री ने ट्वीट किया है कि 24 जुलाई, 2020 तक कुल 111.98 लाख किसान क्रेडिट कार्ड से 89,810 करोड़ रुपये का ऋण स्वीकृत किया गया है। इससे मछुआरों और डेयरी किसानों को लाभ होगा। उन्होंने कहा कि 30 जून तक, 62.370 करोड़ रुपये के ऋण को 70.32 लाख केसीसी धारकों को मंजूरी दी गई थी।
Kisan Credit Card (KCC)
KCC can be acquired by any farmer of India and now fishermen/citizens related to animal husbandry can also apply for Kisan Credit Card. With the extended lockdown nationwide, this is a small help from the Indian government to their farmers. So that they can get an adequate amount of money to cultivate their crops and for harvesting.
What are the Benefits of KCC?
Although, there is no question of why we need Kisan Credit Card for farmers then too here we are explaining it. So that all our readers understand KCC in a better way. The financial condition of most of the farmers in our country is worsening due to the lockdown. Therefore, they need a certain amount from time to time to buy seeds, machines to cultivate and harvest them. Not only this, even need pesticides so that they can protect their crop from insects and other animals. They do all this for what? For the country. Feeling the need to help farmers of our country the most, the Finance Minister of India made some changes in the rate of interest, rebated/waived heavy charges on the loan and made the easy procedures to apply for KCC. In any condition, farmer which have all the documents can now apply for KCC and continue with their cultivation and harvesting.
Eventually, it helps them, financially to buy seeds and other products needed in cultivation. Even some farmers need Agriculture vehicles. Farmers who do not have any liquid money or have any less of it can apply for KCC.
What documents are needed for KCC?
Nevertheless, any farmer from age 18 to 75 years can apply for a Kisan credit card. Just in case, if the applicant is of 60 years of age or more there should be a co-applicant of theirs. First of all, you need to have all the documents which the respective bank is asking for. After that, you need 2 passport size photographs. Address Proof Id will be needed and Photo Id Proof needed. In both cases, you can handover the copy of the Aadhar Card/ Voter Id/ NREGA Card/ bank Account statement if you had any/ registration document of property. Additionally, you need to give property papers of your land on which you are cultivating.
All the documents need to be submitted at the Bank and after thoroughly revising and checking those documents they will further issue a KCC for you.
PM Kisan Credit Card Apply Online
Who all wants to apply for KCC needs to follow the below steps. These steps will make you understand how you need to to make step by step procedure for your Kisan Credit card application. KCC can be applied in both cases – Online and Offline. Though now, there is a period of lockdown, you can apply it Online.
- Choose any of the banks which is providing KCC. For Example IDBI, HDFC, SBI, Axis Bank, Indian Overseas, etc.
- Go to their official website of the bank you have chosen from above.
- You will see a link over there about the Kisan Credit card Application.
- On clicking the link, you will see the pdf format of the KCC Form.
- Download that forms from there.
- After that, fill the application form of KCC.
- Once it is done, upload all the documents.
- On checking the documents, within a few days, you will get your KCC.
Note: There are some points to be noted here is that farmers under Kisan Samidhi Niti can only apply for KCC. It is important to be a part of that scheme before you apply online for Kisan Credit Card. Plus, now there is no verification calls or physical verification done by the officials to issue a Card. All the needy farmers can now have it in a hassle-free method.