How to make Kisan Credit Card ? Kisan Credit Card Registration

There are many farmers in our country who lack money to do farming. This Kisan Credit Card is a welfare scheme launched for the farmers. With the help of this Kisan Credit Card, farmers can buy agricultural equipment like fertilizers, seeds, pesticides etc. The Kisan Credit Card Scheme was implemented by the Government of India in the year 1998.

Under this scheme, the cardholder farmer can buy the things of his needs and repay the loan taken after selling the crop. Complete information related to Kisan Credit Card like what is Kisan Credit Card, KCC Scheme Explained, documents for the scheme, procedure is being told about it.

Kisan Credit Card
Kisan Credit Card

What is Kisan Credit Card ?

Kisan Credit Card is a type of plastic card, which is very beneficial for the farmers. There are many farmers in our country who do not have money to do farming. So keeping this in mind, our PM has run the rule of KCC for the farmer! With this scheme, almost all the farmers of the country will be able to do farming. It was started by the Government of India in the year 1998. With the help of this card, farmers are easily provided with sufficient credit for farming. With which farmers can easily buy all the materials related to agriculture like fertilizers, seeds, pesticides etc.

Under this scheme, after taking loan from 1 lakh to 2.5 lakh to the card holder farmer, the farmers can get the correct information related to their land through the necessary documents, after checking if your documents are found to be correct then loan for you. is passed! Then the farmer can get the loan and use it according to his need! The validity of this Kisan Credit Card is up to 5 years! In the midst of this, you can take advantage!

Kisan Credit Card Scheme

Kisan Credit Card (KCC) is a beneficial scheme for farmers. It was started by the Government of India in the year 1998. With the help of this card, farmers easily get enough loan for farming, so that farmers can buy agricultural related materials like fertilizers, seeds, pesticides etc. This scheme was started jointly by NABARD and Reserve Bank of India. It can be availed for any farmer by any Co-Operative Bank, Regional Rural or Public Sector Bank!

Under this scheme, if the card holder farmer takes a loan of more than 1 lakh, the farmers have to give the correct information related to their land through the necessary documents, after that if your documents are found to be correct, then they can pass the loan for you. Are being given! Then the farmer can get the loan and use it according to his need! The validity of KCC is up to 5 years.

Procedure for Making Kisan Card

Kisan Credit Card is made in two ways, first you can download the form by going to the website of the bank in which you want to get the credit card made by selecting the KCC of that bank, later get it printed! After printing, fill this form properly.

  • Now this form is available on the commercial website of most of the banks.
  • Attach the copy of the required documents along with the filled form and submit it to the nearest bank branch.
  • Now the loan officer will share the required information with the applicant!
  • After this the card will be dispatched as soon as the loan limit is fixed!
  • To get Kisan Credit Card, farmers can apply for KCC by visiting any commercial bank branch, and can also meet the officer in front of the bank!
  • Apart from this, you can also get information related to Kisan Yojana and Kisan Maandhan Yojana by visiting its official website https://pmkisan.gov.in.

Interest Rates Rebate and Specialty

Through Kisan Credit Card, farmers are given loans at very cheap rates for agricultural related works. Kisan brothers can easily take a loan of up to Rs 3 lakh in 5 years through this card! If he deposits the loan amount on time, then he gets the benefit of tremendous discount in interest rates!

The government provides a subsidy of 2 percent on the loan taken on the KCC and a rebate of 3 percent is available on timely repayment, thus the farmer brothers have to pay only 4 percent interest on the loan.

Documents required for making Kisan Credit Card

For your information, let us tell you that the facility of KCC is provided only to those farmers and brothers who have their own cultivable land. The documents required to get Kisan Credit Card are as follows-

  • Khasra Khatauni
  • Residence Certificate with Address
  • Barhsala made by Tehsil if the loan amount is more than one and a half lakhs.
  • No dues certificate issued by nearby banks
  • Applicant’s CIBIL score should be more than 675

Purpose of Kisan Credit Card

Even today the number of farmers in our country is very high, whose economic condition is very pathetic. However, every effort is being made by the government for their upliftment. Actually, the means of earning of farmers is only agriculture, in such a situation, if they need money due to agriculture or any reason, then only two options are available to them. Out of which the first option is to take a loan from the bank, in which there is no time limit on how long the paperwork will take!

Whereas the second option is to borrow money from the moneylender on interest. The rate of interest on borrowing money from moneylender at interest is so high, to compensate for which their financial condition becomes even worse! To get rid of such problems, the KCC scheme has been started by the Government of India. Through this scheme, farmer brothers can get money according to their requirement. The most important thing is that the paper process is very simple in this as well as the interest rate is very low.


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