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Kisan Credit Card(KCC) with RuPay enabled Debit Card

Purpose

A single window credit assistance to the farmers for their cultivation and other needs for next five years as under:

  1. To meet the short term credit requirements for cultivation of crops
  2. Post harvest expenses
  3. Consumption requirements of farmer household
  4. Working capital for maintenance of farm assets and activities allied to agriculture like dairy animals, inland fishery, etc.
  5. Investment credit requirement for agriculture and allied activities like pump sets, sprayers, dairy animals etc.
Eligibility
  • All farmers-individual/ joint borrowers who are owner cultivators
  • Tenant farmers, oral lessees and share croppers
  • Self Help Groups (SHGs) and Joint Liability Groups (JLGs) of farmers including tenant farmers, share croppers, etc.
Quantum of finance

Quantum of finance under the schemeto a farmer is determined based on Cropping pattern, Extent of cultivation of each crop andScale of financed fixed for the crops.

Security
  • Upto Rs.1.00 lakh –
    1. Hypo. of standing crops
  • Above Rs.1.00 lakh –
    1. Hypo. of standing crops
    2. Mortgage of land/ Collateral Security
 
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