Kisan credit card: The government has come up with a relief scheme for the farmers. This scheme has been started given the rising inflation and agricultural costs. With this, farmers will be able to get loans easily. Many times due to this inflation, the farmers' fields remain empty for the whole season if the cost is not sufficient, but now small and marginal farmers are going to benefit a lot from this scheme. For the benefit of these facilities, the facility of Kisan Credit Card is being made available to the farmers.

The limit was increased in the budget-

The Ministry of Agriculture and Farmers Welfare of the Government of India is providing the facility of Kisan Credit Card to the farmers so that the farmers do not have to face difficulty in their livelihood. Now in the Union Budget presented in the Parliament recently, there was a discussion about Kisan Credit Card benefits. In which the limit of the Kisan Credit Card, which was Rs 3 lakh, has been increased to Rs 5 lakh.

RBI guidelines for KCC loan -

According to the information, farmers who are engaged in agriculture work will be given a loan of up to one lakh rupees. When they apply for a loan of one lakh with a Verified Declaration Form verified by the head and land-related documents. At the same time, if they want to take a loan of more than one lakh, then for this they will have to obtain the Land Positioning Certificate related to the land from the immovable office and apply with it. Experts say that according to the RBI guidelines (RBI guidelines on KCC loan), no security of any kind is required for a loan of up to 2 lakh rupees.

Goat rearing and cow rearing will also benefit -

Under this card, fish farmers can also apply for a loan (Kisan Credit Card apply). Fishermen can apply for KCC loans through KCC for the materials used for fish farming such as cages, spawn, seeds, etc. Whereas animal keepers can take loans under KCC for goat rearing, and cow rearing. If animal keepers and fish keepers want to apply for this loan, then they can apply for a loan through the offices of the departments present at the district level or directly through the bank.

The loan will be available without any security-

However, not all farmers get the benefit of this. According to the information, the facility of Kisan Credit Card is available to farmers as well as fish keepers, and people associated with animal husbandry work. Farmers, fish keepers and people associated with animal husbandry can take loans from the bank at low interest rates through KCC (KCC Loan kya hai).

Let us tell you that the person who rears four goats and one male goat gets a KCC loan of Rs 30,000, while the person rearing two cows gets a KCC loan of Rs 59,000 and the people rearing 10 cows get a KCC loan of up to Rs 1.5 lakh (KCC Loan kaise le) without any security.

Apply in this way-

If any person wants to take advantage of a KCC loan (KCC loan application process), then the account holder can apply in the bank. Some important documents will be required to apply for this loan. These documents will include a photo copy of an Aadhar card, PAN card photo, and land-related documents (KCC loan Documents). If there is no mistake in your application process, then you get the benefit of the scheme immediately after applying.

Second, ease of getting KCC loan-

According to experts, the bank charges interest at the rate of 7 percent for one year on those taking KCC loans. There are many benefits of taking this loan. If the candidate repays the loan amount along with interest within the stipulated time limit, then the loan holder is given a subsidy of 3% by the Central Government and 4% by the State Government (KCC loan interest rate). Due to this, the interest charged on the loan becomes zero. If the candidate repays the KCC loan on time, then the bank immediately provides another KCC loan to the beneficiary easily.

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