Kisan Credit Card : मात्र 14 दिनों में बनवाएं किसान क्रेडिट कार्ड, सरकार ने शुरू की ये नई सुविधा

Kisan Credit Card Update: 2 Lakh Loan for Livestock & Fishery (Oct 2023)

About the Scheme

The Government of India, under the PM‑Kisan mission, has launched the KCC Saturation Drive to provide the cheapest credit to eligible farmers. A new update expands the loan facility for those engaged in livestock (pashupalan) and fishery (machli palan) activities. Eligible beneficiaries can now obtain a short‑term loan of up to ₹2 Lakh (instead of the earlier ₹3 Lakh limit) at an interest rate as low as 4 % when the loan is repaid on time.

Important Dates

Eligibility & Qualification

• Beneficiary of the PM‑Kisan scheme.
• Engaged in agriculture, livestock or fishery activities.
• Must provide three documents:
  • Proof of farmer status (land/holding records).
  • Residence proof.
  • Affidavit confirming no pending loans with other banks.

Loan Details

• Maximum amount for livestock/fishery: ₹2 Lakh.
• Overall KCC limit (including crop credit): up to ₹3 Lakh.
• Interest rate: as low as 4 % for timely repayment.
• Short‑term credit, usable for agriculture, livestock and fishery.

How to Apply

1. Visit the website of any scheduled commercial bank (SCB) or the PM‑Kisan portal.
2. Navigate to the “Kisan Credit Card” or “KCC” section.
3. Download the one‑page application form or fill it online.
4. Enter your details, upload the three required documents, and submit.
5. The bank will verify the information and issue the card within 14 days.

Official Links

• PM‑Kisan Official Portal
• Latest Jobs – Assam Live
• Government Jobs – Assam Live

Frequently Asked Questions

1. Who can apply for the enhanced livestock/fishery loan? Any farmer covered under the PM‑Kisan scheme who is engaged in livestock or fishery.
2. What is the maximum loan amount for livestock/fishery? Up to ₹2 Lakh.
3. How long does it take to receive the KCC after applying? The bank must issue the card within 14 days.
4. Is there any interest subsidy? Yes, interest can be as low as 4 % for borrowers who repay on time.
5. What documents are required? Land/holding proof, residence proof, and an affidavit stating no other bank loans.
6. Can the loan be used for crop cultivation? Yes, the overall KCC limit (up to ₹3 Lakh) can be utilized for agriculture as well.
7. Where can I download the application form? From any SCB website or the PM‑Kisan portal (www.pmkisan.gov.in).
8. Is there any application fee? No fee is mentioned for this scheme.

Conclusion

The KCC Saturation Drive simplifies credit access for farmers, especially those involved in livestock and fishery. With a streamlined one‑page form, minimal documentation, and a guaranteed 14‑day card issuance, eligible beneficiaries can secure low‑interest loans quickly. Farmers should take advantage of the October window to apply and boost their agricultural enterprises.