Kisan Credit Card (KCC) kya hai? 4% interest par loan kaise milega, eligibility kya hai, online/offline apply kaise karein – 2026 ka complete Hinglish guide with FAQs.
Kisan Credit Card Kya Hai? Complete Hinglish Guide
Agar aap farmer hain aur fasal ke liye sasta loan chahte hain, to sabse pehle samajhiye kisan credit card kya hai.
Kisan Credit Card (KCC) ek government scheme hai jo farmers ko unke agricultural kaam ke liye adequate aur timely credit (loan) provide karti hai. Is scheme ka main aim hai ki kisano ko fasal ke liye paise ki kami na ho aur unhe mahajano se mehenga loan na lena pade.
Government of India is scheme par:
- 2% Interest Subvention deti hai
- 3% Prompt Repayment Incentive deti hai
Iska matlab agar aap time par loan chuka dete hain to aapko loan sirf 4% per annum interest par mil sakta hai – jo bahut hi sasta rate hai.
KCC Scheme ka Objective (Purpose)
KCC ka main objective hai farmers ko ek hi window se flexible aur simplified process ke through loan dena.
KCC se aap kin-kin cheezon ke liye loan le sakte hain?
✔ Short-term crop cultivation ke liye
✔ Post-harvest expenses
✔ Produce marketing loan
✔ Farmer household ke consumption needs
✔ Farm assets ki maintenance (tractor, pump, etc.)
✔ Allied activities (dairy, poultry, fisheries)
✔ Agriculture investment credit
2004 me is scheme ko allied aur non-farm activities ke liye bhi extend kiya gaya tha, aur 2012 me isme simplification ki gayi thi.
Kisan Credit Card Ka Type Kaisa Hota Hai?
Aajkal KCC ek Debit Card ki tarah milta hai jisme:
- Magnetic stripe + PIN hota hai
- ATM se paisa nikal sakte hain
- Micro ATM aur BC (Bank Correspondent) se withdrawal
- Aadhaar biometric authentication
- RuPay compliant chip card option
Isse farmer ATM, PoS machine, input dealers aur mandi me easily transaction kar sakte hain.
Delivery Channels (Paise Kaise Nikale?)
KCC ke through aap paisa nikal sakte hain:
- ATM / Micro ATM
- BC (Bank Mitra)
- PoS machine (input dealers ke paas)
- Mobile Banking (IMPS)
- Aadhaar Enabled Payment System
Eligibility – Kaun Apply Kar Sakta Hai?
KCC ke liye eligible log:
✔ Individual ya joint farmers (owner cultivators)
✔ Tenant farmers
✔ Share croppers
✔ Oral lessees
✔ SHGs (Self Help Groups)
✔ JLGs (Joint Liability Groups)
Kisan Credit Card Apply Kaise Kare?
Agar aap soch rahe hain kisan credit card kya hai aur apply kaise kare, to yeh process follow karein:
1️⃣ Online Apply Process
- Apne bank ki website visit karein
- Kisan Credit Card option select karein
- “Apply” par click karein
- Form fill karein
- Submit karein
Agar aap eligible hain, to bank 3-4 working days me contact karega.
2️⃣ Offline Apply Process
- Apne najdeeki bank branch me jayein
- KCC application form lein
- Required documents submit karein
- Bank verification ke baad card issue hoga
Required Documents
- Application form
- 2 passport size photos
- ID proof (Aadhaar, Voter ID, DL, Passport)
- Address proof
- Landholding proof (Revenue certified)
- Cropping pattern details
- Security documents (loan limit ke hisab se)
KCC Interest Rate Kitna Hai?
- Base interest rate: approx 7%
- 2% interest subvention
- 3% prompt repayment incentive
👉 Final effective interest: 4% per annum (agar time par repayment karein)
KCC Ke Fayde (Benefits)
✔ Sasta loan
✔ Flexible repayment
✔ Multiple withdrawals allowed
✔ ATM/Debit card facility
✔ Government subsidy benefit
✔ Insurance coverage (some cases me)
FAQs – Kisan Credit Card Kya Hai
Q1. Kisan Credit Card kya hai simple shabdon me?
KCC ek government scheme hai jo farmers ko fasal aur agriculture ke liye sasta loan provide karti hai.
Q2. KCC par kitna interest lagta hai?
Time par repayment karne par sirf 4% per annum tak effective interest lagta hai.
Q3. KCC ka limit kitna hota hai?
Loan limit land holding, cropping pattern aur bank policy par depend karta hai.
Q4. Kya tenant farmer bhi apply kar sakta hai?
Haan, tenant farmer, sharecropper, SHG aur JLG bhi apply kar sakte hain.
Q5. KCC se paisa kaise nikale?
ATM, Micro ATM, Bank Mitra, PoS machine ya mobile banking ke through.
Conclusion
Ab aapko clear ho gaya hoga ki kisan credit card kya hai aur iska fayda kya hai. Agar aap farmer hain aur agriculture ya dairy/poultry business karte hain, to KCC ek bahut hi powerful aur sasta loan option hai.
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