Agriculture Loan Schemes — Kisan Credit Card & More
📌 Official source: current limit, dar, fee aur niyam agriculture ministry / NABARD scheme portal ke official portal par dekhein — yeh samay-samay par badalte rehte hain. Yahan sirf process aur documents ki jaankari hai, koi number commit nahi.
Government of India ke agriculture loan schemes — Kisan Credit Card (KCC), Agriculture Term Loan, Dairy/Poultry/Fishery schemes. Subsidized rates, flexible tenure.
Scheme Overview
India ki agriculture sector me government significant priority deti hai through multiple loan schemes. the apex agricultural refinancing body overall agriculture financing ko refinance karta hai. India ka banking regulator ne agriculture ko Priority Sector Lending (PSL) target ke under rakha hai — yani banks ko ek tay hissa agriculture sector me deploy karna mandatory hai. Major schemes: Kisan Credit Card (KCC), Agriculture Term Loan, Dairy Entrepreneurship Development Scheme (DEDS), National Livestock Mission (NLM), PM-KISAN samaan, etc.
Scheme Categories & Coverage
| Category | Limit/Coverage | Description |
|---|---|---|
| Kisan Credit Card (KCC) | partner ke niyam ke hisaab se @ lagu dar (niyam ke hisaab se) (with subsidy) | Crop loan + working capital |
| Agriculture Term Loan | Variable based on project | Equipment, irrigation, land development |
| Dairy Entrepreneurship Scheme | partner ke niyam ke hisaab se | Dairy farm setup |
| Fishery / Poultry Loan | Project-based | Allied sector financing |
Note: Indicative figures from publicly available government sources. Subject to scheme revisions and lender's discretion.
Eligibility Criteria
- Farmer (individual / joint / tenant / sharecropper / oral lessee)
- Self-Help Groups (SHGs) of farmers also eligible for joint loans
- Land ownership / cultivation rights documented
- Age: typically 18-65 years (extends to 70 with co-applicant)
- No specific maximum income criteria
- Allied sector farmers: dairy, poultry, fishery, beekeeping, sericulture — all eligible
Required Documents
- Aadhaar + PAN
- Land ownership documents (RTC / Khata / 7-12 extract / Pahani)
- Crop pattern certificate
- Bank account details
- Photographs
- Sarpanch / Tehsildar certification (for tenant farmers)
- Project report (for term loans)
- Quotations (for equipment / livestock)
Specific documentation requirements may vary by lender, region, and scheme version. Verify with implementing agency.
Application Process
- Nearest PSU bank, RRB, or cooperative bank ki branch visit karo
- Specific scheme (KCC, term loan, etc.) application form bharo
- Land documents + identity documents submit karo
- Bank field visit + verification
- Credit appraisal + sanction (KCC typically kuch din)
- Disbursement: KCC limit set hoti hai, withdrawal as needed; term loan lump sum
Key Benefits
- Interest subvention: niyam ke hisaab se alag % (effective rate niyam ke hisaab se alag % on KCC partner ke niyam ke hisaab se)
- Additional lagu dar (niyam ke hisaab se) rebate on timely repayment (effective lagu dar (niyam ke hisaab se))
- Collateral-free partner ke niyam ke hisaab se (KCC)
- Flexible tenure: crop cycle aligned for KCC, 5-15 years for term loans
- No processing fee for KCC partner ke niyam ke hisaab se
🚀 General Guidance Needed?
ProWiderKart facilitator se jaankari le sakte ho, koi fee nahi — general information aur eligibility direction ke liye.
💬 Chat Chat on +91 98332 16954Frequently Asked Questions
Kisan Credit Card limit kaise determine hoti hai?
KCC limit Scale of Finance (SoF) ke based on calculate hoti hai — area under cultivation × crop-specific cost per acre × number of crops per year. Plus lagu dar (niyam ke hisaab se) post-harvest expense + lagu dar (niyam ke hisaab se) farm maintenance.
KCC pe interest rate kya hai effective?
Standard dar bank ki neeti par hoti hai aur uspar sarkar subvention deti hai, aur timely repayment pe additional lagu dar (niyam ke hisaab se) rebate. Effective rate partner ke hisaab se alag % tak ho sakti hai for compliant borrowers.
Collateral kab chahiye agriculture loan ke liye?
tay rakam (niyam ke hisaab se) tak KCC collateral-free hai. Term loans ke liye typically land mortgage required hota hai. Dairy/poultry projects me equipment hypothecation common hai.
Kya yeh sanstha direct loan deta hai?
Nahi. Yeh sanstha apex-level refinance institution hai — yeh banks ko refinance deti hai jo aage farmers ko loans deti hain. Direct lending yeh sanstha nahi karta.
Dairy farm setup ke liye loan kahan se milta hai?
Most PSU banks dairy term loans dete hain. the Dairy Entrepreneurship Development Scheme (DEDS) under capital subsidy bhi milti hai. Project size aur location depend karte hain.
PM-KISAN aur loan schemes alag hain kya?
Haan. PM-KISAN ek income support scheme hai (partner ke hisaab se tay rakam/year DBT to eligible farmers) — loan scheme nahi hai. KCC + other agriculture loans alag credit facilities hain.
Related Government Schemes
Agri Funding Mein Sabse Ahem Cheez Timing Hai
Kheti se judi funding mein sabse zyada mayne rakhne wali cheez raqam nahi, timing hai. Kyunki kharch aur kamai ke beech ka gap yahan sabse lamba hota hai. Beej, khaad aur labour ka paisa boai ke waqt lagta hai, aur wapas fasal bikne par aata hai, jo kai mahine baad hota hai. Iske saath mausam ka jokhim alag se hai, jo aapke haath mein nahi. Meri seedhi salah: apni funding ki baat season se do mahine pehle shuru kijiye. Jo log boai ke waqt bhaagte hain unke paas na taiyari hoti hai na mol-bhav ka waqt, aur wo poora saal usi ek galti ki keemat chukate hain.
Kaun Se Kaagaz Sabse Zyada Kaam Aate Hain
Agri funding mein teen cheezein sabse zyada kaam aati hain. Pehli, zameen ka record, chahe wo apni ho ya batai par, kyunki uske bina baat aage nahi badhti. Doosri, pichli fasal ki bikri ka record, jaise mandi ki receipt, kyunki wo dikhata hai ki paisa sach mein aata hai. Teesri, agar aap kisi FPO ya co-operative se jude hain to uska record. Aap khud sochiye, agar aapke paas pichle do saal ki mandi receipt ho to aapki baat kitni majboot hogi? ProWiderKart ek facilitator hai, ye sarkari aur bank ki schemes hain aur faisla unka hota hai.
Yahan Log Sabse Zyada Chook Jaate Hain
- Boai ke waqt intezaam dhoondhna, do mahine pehle nahi.
- Mandi ki receipt sambhaal kar na rakhna.
- Zameen ke kaagaz pehle se saaf na karwana.
- FPO ya co-operative ka record na rakhna.
- Mausam ke jokhim ke liye koi guzaish na rakhna.