{फॉर्म भरे} Online Form Kisan Credit Card KCC Loan Scheme (June 2019)

Union Minister Shri Narendra Singh Tomar, Ministry of Agriculture said that we are targeting 1 crore new Farmers to enroll in the PM Kisan Credit Card (KCC) Scheme before 31 July 2019.  The new Pradhan Mantri Kisan Credit Card Loan Scheme will help farmers along with new KCC also includes Animal Husbandry & Fisheries farmers. Also, the processing fee, inspection ledger folio charges has been removed. The loan amount is increased to 1.6 lakh which was earlier 1 lakh. At present, there are 6.92 crore live KCCs against 14.5 crore operational landholdings.

Eligibility for PM KCC Credit Card Laon Scheme

NABARD (National Bank for Agriculture and Rural Development) was the first to prose Kisan Credit Card loan scheme in the year 1998, after that there were various amendments and upgradation to help out farmers facing a crisis of financial support at the time.

The eligibility must be met if someone need to apply for KCC Credit Loan in 2019. The following category of farmers are eligible for Kisan Credit Card Loan Card.

  • All farmers-individuals/Joint borrowers who are owner-cultivators.kisan credit card kcc loan
  • Tenant farmers, Oral lessees and Share Croppers etc.
  • SHGs or Joint Liability Groups of farmers including tenant farmers, sharecroppers etc.,
  • The criteria for eligible beneficiaries under KCC for Animal Husbandry and Fisheries is as follows
    • Fishery
      • Inland Fisheries and Aquaculture – Fishers, Fish Farmers (individual & groups/ partners/ sharecroppers/ tenant farmers), Self Help Groups, Joint Liability Groups and women groups. The beneficiaries must own or lease any of the fisheries-related activities such as pond, tank, open water bodies, raceway, hatchery, rearing unit, possess necessary license for fish farming and fishing related activities, and any other State-specific fisheries and allied activities.
      • Marine Fisheries – Beneficiaries listed above, who own or lease registered fishing vessel/boat, possess necessary fishing license/permission for fishing in estuary and sea, fish farming/mariculture activities in estuaries and open sea and any other State-specific fisheries and allied activities.
    • Poultry and small ruminant – Farmers, poultry farmers either an individual or joint borrower, Joint Liability Groups or Self Help Groups including tenant farmer of sheep/goats/pigs/poultry/ birds /rabbit and having owned/rented/leased sheds.
    • Dairy – Farmers and Dairy farmers either individual or joint borrower, Joint Liability Groups or Self Help Groups including tenant farmers having owned /rented/leased sheds.

Documents Required

To apply for Kisan KCC Loan Scheme, the farmer must have the following documents. You have to fill online/ offline application form and attach or upload these documents asked.

  • Duly filled in KCC Loan Scheme 2019 application form
  • Identity proof- Voter ID card/PAN card/Passport/ Aadhaar card,/Driving License etc
  • Address proof: Voter ID card/Passport/Aadhaar card/Driving license etc
Bank Name – Apply KCC Card OnlineLink/ Fill Form
State Bank of India (SBI)KCC Loan Account
Bank of Baroda
Gramin/ Khetriya Bank
Punjab National Bank
Bank of Maharashtra
Axis Bank
1Punjab Gramin Bank
2Kashi Gomti Samyut Gramin Bank
3Telangana Gramin Bank
4Assam Gramm Vlkash Bank
5Purvanchal Bank
6Bihar Gramin Bank
7Himachal Pradesh Gramin Bank
8Sarva Haiyana Gramin Bank
9Gramln Bank of Aryavart
10Vidharbha Konkan Gramin Bank
11Sarva UP Gramin Bank
12Kaverl Grameen Bank
13Maharashtra Gramin Bank
14Allahabad UP Gramin Bank
15Uttarakhand Gramin Bank
16The Kangra CCB
17Madhya Bihar Gramin Bank
18A P. Grameena Vikas Bank
19Baroda Uttar Pradesh Gramin Bank
20The Hima Pradesh State Coop Bank
21Raigad Dist. CCB, Allbag
22Uttar Banga Kshetriya Gramin Bank
24Uttar Bihar Gramin Bank
25Narmada Jhabua Gramin Bank
26ZUa Sahakarl Bank Ltd, Rampur
27Akola DCCB, Akola
28Manipur Rural Bank
29Paschim Banga Gramin Bank
30Malwa Gramin Bank
31Jharkhand Gramin Bank
27Akola DCCB, Akola
28Manipur Rural Bank
29Paschim Banga Gramin Bank
30Malwa Gramin Bank
31Jharkhand Gramin Bank
32Madhyanchal Gramin Bank
33Baroda Rajasthan Kshetriya Gramin Bank
34Odlsha Gramin Bank
35Ellaquai Dehati Bank
36The Patllputra CCB, Patna
37Sutlej Gramin Bank
38Tripura Gramin Bank
39Vananchal Gramin Bank
40Chhattisgarh Rajya Gramin Bank
41Rajasthan Marudhara Gramin Bank
42Saurashtra Gramin Bank
43Pragathi Krishna Gramin Bank
44Andhra Pragathi Gramin Bank
45South Canara DCCB
46Central Madhya Pradesh Gramin Bank
47Mizoram Rural Bank
48Pallavan Gramin Bank
49The DCCB, Lakhimpur-Kheri
50The Goa State Coop Bank
51Dena Gujarat Gramin Bank
52Chaitanya Godavari Gramin Bank
54Baroda Gujarat Gramin Bank
55Prathama Bank
56The Surat DCCB
57Kerala Gramin Bank
58Bangiya Gramin Vikash Bank
59Arunanchal Pradesh Rural Bank
60Karnataka Vikas Gramin Bank
61Puduvai Bharathiar Gramin Bank
62Nagaland Rural Bank
Public Sector Banks – KCC Loan
1Union Bank of India
2Punjab National Bank
3State Bank of India
4UCO Bank
5Punjab and Sind Bank
6Central Bank of India
7Oriental Bank Of Commerce
8Bank Of Maharashtra
9Bank of Baroda
10Corporation Bank
11Allahabad Bank
12Bank Of India
13ICICI Bank Ltd.
14United Bank Of India
15State Bank of Patiala
16Indian Overseas Bank
17Dena Bank
18IDBI Bank Ltd.
19Canara Bank
20Vijaya Bank
21Axis Bank Ltd.
22State Bank of Mysore
23State Bank of Hyderabad
24Indian Bank
25The Federal Bank Limited
26State Bank of Bikaner and Jaipur
27Syndicate Bank
28State Bank of Travancore
29Andhra Bank
30The Karur Vysya Bank Ltd.
31The Ratnakar Bank Limited
32The Lakshmi Vilas Bank Ltd
33HDFC Bank Ltd.
34Karnataka Bank Ltd.
35South Indian Bank Ltd.

Benefits/ Features of KCC

Get interest rate at saving bank rate on credit balance in KCC account

  • Free ATM cum debit card for all KCC borrowers
  • Interest subvention @2%p.a.is available for loan amount uptoRs. 3 Lacs
  • Additional interest subvention @3% p.a.for prompt repayments notified crops / notified areas are covered under crop insurance for all KCC loans

Major Changes/ News in Kisan Credit Card Loan

Circular DateParticulars
14 Aug 1998Introduction of KCC Scheme and circulation of Model KCC scheme to banks
14 June 2001Personal Accident Insurance Scheme (PAIS) for KCC holders introduced
09 Aug 2004(i)    Scheme to cover term loan for agriculture & allied activities under KCC introduced (ii)    Validity of Kisan Credit Card increased from 3 years to 5 years
01 Jun 2006In Response to Union Finance Minister’s budget announcement (2006-07), interest on short term credit to the farmer was fixed at 7% up to KCC upper limit of Rs. 3.0 lakh on the principal amount.
31 Oct 2006KCC scheme for the borrowers of Lons Term Cooperative Credit Structure i.e.. State Coop Agri & Rural Development Banks introduced
29 Mar 2012Kisan Credit Card – a comprehensively revised KCC scheme incorporating many new components (composite loan, 10% & 20% provisions for consumption & asset maintenance, year-wise drawing power for five years, etc.) was launched
09 Nov 2012Issue of KCC in the form of interoperable RuPay Cards
15 Nov 2012In a meeting of Union Finance Minister with Banker, it was decided to convert all old KCCs into ATM-cum-Debit RuPay Cards
01 Aug 2014Sort for ICT solutions through POS micro-ATMs and RuPay Kisan Cards under KCC scheme
08 July 2015Cover to rase of KCC holders under Atal Pension Yoina (APT)
04 Feb 2019
  • adding farmers engaged in Animal Husbandry & Fisheries
  • removal of inspection ledger folio charges and processing fee of loan under KCCaising
  • limit of collateral fee on existing agriculture loan from 1 lakh to 1.6 lakhs

KCC Scheme to the farmers

Below are best features of PM Kisan Credit Card.

  1. Simplifies disbursement procedures
  2. Removes rigidity regarding cash and kind
  3. No need to apply for a loan for every crop
  4. Assured availability of credit at any time enabling reduced interest burden for the farmer.
  5. Helps buy seeds, fertilizers at farmer’s convenience and choice
  6. Helps buy on a cash-avail discount from dealers
  7. Credit facility for 3 years – no need for seasonal appraisal
  8. Maximum credit limit based on agriculture income
  9. Any number of withdrawals subject to credit limit
  10. Repayment only after harvest
  11. Rate of interest as applicable to agriculture advance
  12. Security, margin and documentation norms as applicable to agricultural advance
  13. Access to adequate and timely credit to farmers
  14. Full year’s credit requirement of the borrower taken care of. Minimum paperwork and simplification of documentation for withdrawing of funds from the bank.
  15. Flexibility to draw cash and buy inputs.
  16. Assured availability of credit at any time enabling reduced interest burden for the farmer. The flexibility of drawals from a branch other than the issuing branch at the discretion of the bank.

Latest Development in KCC

Chief Secretaries/Principal Secretaries of State/UT Administration to launch KCC enrollment drive. During the proposed saturation drive, bank-wise or village wise campaigns will be organized to collect KCC application forms. States like Gujrat, Maharashtra, UP, Chhattisgarh, WB, Bihar, Jharkhand, HP, J&K and NER states have already been identified where KCC penetration was found lagging. A target of 1 crore is to be achieved in the next 100 days.

RuPay KCC “Kisan Credit Cards”

NPCI has launched RuPay Cards as an Indian domestic card scheme to compete with Mastercard and Visa. NABARD, in January, 2013 set up Special Project Unit- Kisan Credit Card (SPU-KCC) with a mandate for encouraging cooperative banks and Regional Rural Banks across the country to issue Rupay KCC debit cards. The overarching goal is to develop a cash-less ecosystem by enabling the farming community to avail all new banking facilities at par with an urban area of the country

KCC PAIS Personal Accident Insurance Scheme

The Personal Accident Scheme covers risk of KCC holders against death or permanent disability resulting from accidents caused by external, violent and visible means

  1. Death due to an accident (within 12 months of the accident) caused by violent and visible means: Rs.50,000/-
  2. Permanent total disability: Rs.50,000/-
  3. Loss of two limbs or two eyes or one limb and one eye: Rs.50,000/-
  4. Loss of one limb or one eye: Rs.25,000/-

Note: Premium payable Rs.15/- for a one-year policy while Rs.45/- for a 3-year policy.

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