Seedha jawab: Kisan Credit Card (KCC) kheti ke kharch ke liye bank se milne wali credit limit hai. Base byaj dar aam taur par 7% saalana hoti hai; sarkari chhoot aur samay par bhugtaan par ₹3 lakh tak effective dar lagbhag 4% reh jati hai. Limit aapke rakbe aur fasal ke scale of finance se tay hoti hai aur har saal renewal hota hai.
KCC byaj calculator
Kul byaj
₹4,000
Kul chukana: ₹1,04,000 (simple interest anuman)
KCC ke liye zaruri kagaz
- Aadhaar aur PAN
- Zameen ke kagaz — khasra, khatauni ya B-1 nakal
- Passport size photo
- Bank passbook / account vivran
- Fasal ka vivran (kaun si fasal, kitna rakba)
Byaj bachane ke 4 tarike
- Fasal bikte hi turant jama karo — prompt repayment chhoot milti hai.
- Saal me ek baar poori limit chuka kar dobara nikalo (renewal saaf rehta hai).
- Sahukar ke sainkda byaj ki jagah KCC se paisa lo — dar bahut kam padti hai.
- Har bhugtaan ka record rakho taaki bank me limit badhwane me aasani ho.
Aksar puchhe jane wale sawal
KCC (Kisan Credit Card) kya hai?
KCC ek sarkari yojana hai jisme kisan ko kheti ke kharch ke liye bank se short-term loan limit milti hai. Isse beej, khaad, dawai, mazdoori aur sichai ka kharcha uthaya ja sakta hai, aur fasal bikne par wapas jama karna hota hai.
KCC par kitna byaj lagta hai?
Aam taur par KCC par base byaj dar 7% saalana hoti hai. Sarkar ki interest subvention aur samay par bhugtaan par milne wali prompt repayment chhoot ke saath 3 lakh tak ke loan par effective dar 4% ke aas-paas aa jati hai. Dar samay-samay par badalti hai — apne bank se aaj ki dar zaroor puchhein.
KCC limit kaise tay hoti hai?
Bank aapki zameen ka rakba, fasal aur us fasal ka scale of finance (prati hectare/acre kharch) dekhkar limit tay karta hai, jisme post-harvest aur maintenance kharch bhi juda jata hai.
KCC renewal kab karana hota hai?
KCC aam taur par saal me ek baar renew hota hai. Samay par poora bhugtaan karke turant dobara nikalne se byaj chhoot bani rehti hai aur account NPA nahi hota.
Byaj dar aur niyam samay-samay par badalte hain. Aakhri pushti apne bank ya myScheme (Bharat Sarkar) se karein.
Apna karz app me track karo
Kisan Life ke Udhar module me KCC, bank loan, gold loan aur sahukar ka byaj samet baki rakam aur repayment plan dikhta hai.
Free shuru karoAur padho: Kheti kharcha hisaab · Sarkari yojana