PM-KISAN Samman Yojana: Kisan Credit Card: How to avail credit through KCC? Know here

PM-KISAN Samman Yojana - Kisan Credit Card: To enable universal access to Concessional Institutional credit, the Government of India has initiated a drive in Mission Mode for saturating all PM-KISAN (Pradhan Mantri Kisan Samman Nidhi) beneficiaries with Kisan Credit Card (KCC). If you are wondering how to avail the benefits of the scheme, we will tell you how to go about it.

But before we tell you how to do it, it is important to know that the scheme was started on 10th February and will be open for application for 15 days from the date of the start. So hurry if you have not done it, yet.

How to avail Concessional Institutional credit from Kisan Credit Cards (KCC).

1)  A simple one page form has been developed such that the basic data would be obtained from the bank’s record under PM KISAN and only a copy of the land record along with details of crop sown would need to be filled in.

2) The one page form shall be available along with an advertisement being published in all leading newspapers across the country and the same can be cut and filled by the beneficiaries.

3) The form can also be downloaded from websites of all Scheduled Commercial Banks (SCBs) as well as the website of the Department of Agriculture, Cooperation & Farmers Welfare, Govt. of India (www.agricoop.gov.in) and PM-KISAN portal (www.pmkisan.gov.in).

4) Common Service Centres (CSC) have also been authorised to fill-up the form and transmit the same to the concerned bank branches.

The KCC under the PM-KISAN Samman Yojna will help all PM-KISAN beneficiaries to get short term loans for crop & animal/fish rearing at a maximum interest of 4% on timely repayment.

The detailed instructions in this regard have been issued to all the State/UT Govts, MDs of all banks and Chairman NABARD, detailing the procedure to be followed for coverage of PM-KISAN beneficiaries under KCC.

The Department of Agriculture, Cooperation & Farmers Welfare under the Ministry of Agriculture & Farmers Welfare has send an advisory to the State/UT Governments and banks to prepare a list of all PM-KISAN beneficiaries who do not have KCC and approach them through line departments of the State/UT Government including Departments of Agriculture, Animal husbandry, Panchayat & Rural Development and Panchayat Secretaries, the release said.

Bank Sakhis under the NRLM scheme would also be used for motivating PM KISAN beneficiaries to visit the concerned bank branches for the purpose, the release further said.

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The government will be monitoring the progress of this drive on a daily basis by the State/UT Govt. Activities under Saturation drive in a district would be led by the District Collector with the support of the Lead District Manager and DDM, NABARD.