The Kisan Credit Card (KCC) is the scheme that the government has launched. KCC is covered under the National Bank for Agriculture and Rural Development (NABARD).
Under the KCC scheme, Finance Minister Nirmala Sithraman has announced a crediting of Rs 2 Lakh Crore for the benefits of 2.5 crore farmers through this scheme. The KCC scheme also covers the fisherman and Animal Husbandry.
Steps for Kisan Credit Card apply online 2020
Step 1: Open the Google & Search for “eseva.csccloud.in/kcc/”.
Step 2: Tap on the option of “Digital Seva Connect”.
Step 3: You will get a login option in that with your details.
Step 4: After that, you need to tap on the option of “Apply New KCC”.
Step 5: New Page will get open where they demand you to fill your “Aadhaar Number”.
Step 6: Press on the “Submit” button.
The new page will open regarding Bank detail attached with that Aadhaar card number.
Step 7: You will get 3 option after that:
- Issue of Fresh KCC
- Enhancement of Existing Limit
- Activation of Inoperative KCC Account
Step 8: After choosing one of the above options:
You need to fill the “Loan Amount” according to your requirement.
Step 9: Applicants need to fill the “Beneficiary Mobile Number”.
Step 10: You will get an option regarding whether you want the facility regarding Pradhan Mantri Suraksha Yojana, for that you get an option where you need to press “yes” or “no”.
Step 11: They ask you about Status regarding existing Loan you just to tell by pressing “Yes” or “No”.
Step 12: If you press “yes”, you need to fill all bank details regarding that.
Step 13: After that, you need to fill details regarding your property & village, the crops you will grow with the help of the loan.
Step 14: The next options are for them who have animals at their farm, they need to fill all detail regarding them.
Step 15: Fill the option of security proposed if you are taking the loan of more than rupees 1, 60,00.
Step 16: Press the “Submit Detail” option.
Step 17: You will get the option of Make Payment.
Step 18: You will get successfully applied for the scheme after making payment.
Kisan Credit Scheme Eligibility
- For applying KCC, you need to be a farmer by profession and you can spend that amount on farming-related activities.
- For getting a loan under KCC, you need to be a minimum of 18 years.
- A maximum of 75-year people will elect to get a loan.
- The co-borrower is mandatory if the borrower is of more than 60 years of age.
The document which is required for KCC
Document regarding Identity proof is: PAN Card, Aadhaar Card, Voter’s ID Card, Passport, Driving Licence, Any other Government approved photo ID.
Documents regarding Address Proof are: Adhaar Card, Passport, Utility bills (not more than 3 months old), Any other government approved address proof.
Documents regarding Income Proof: Statement of Bank for the last 3 months, Salary slips of the last 3 months, Audited financials statement for the last two years (this is for self-employed) & Form 16.
Interest Rate for Kisan Credit Yojana
According to the RBI rules & regulation, Kisan Credit Card or credit limit will set different as per the different banks, but if we talk about generally, the interest rate will lie between the 9-14% pa.
