There are Many Benefits to Make a Kisan Credit Card, if you do Bank Anonymity Then Complain:Under the Prime Minister Kisan Samman Nidhi Yojana (PM-Kisan Samman Scheme), the central government transfers Rs 6,000 annually to 11 crore farmers in their account. The record of the land of these 11 crore farmers and their biometric is with the Central Government. In such a situation, it is very easy to make a Kisan Credit Card for them. The Modi government also wants a farmer credit card to be made for all the beneficiaries of the PM-Kisan scheme. The government has set a target of distributing agricultural loans worth a total of Rs 15 lakh crore to the farmers of the country by March 2021. At present, there are only about 8 crore farmers credit card holders in the country.
The ground reality of this central government scheme is something else. Farmers have been troubled by the attitude of many banks regarding KCC. Farmers say that banks are reluctant to make farmers credit cards. Not only this, even if a farmer has a card, he does not get a loan from the bank. We are telling the solution for such farmers. If a bank refuses to make a credit card to an eligible farmer or gives an agricultural loan to the KCC holder, then a complaint can be made with the government.
How to complain?
According to the guidelines issued by the Reserve Bank of India, the bank has to issue this card within 15 days of the application of the farmer. If this card is not issued within 15 days, a complaint can be filed against the bank. Farmers can contact the Banking Ombudsman for this. A complaint can be made with the Banking Ombudsman, in whose official area the bank branch or office is located.
A complaint can also be lodged on the RBI website https://cms.rbi.org.in/. The government has also released the farmer helpline number. This number is 0120-6025109 / 155261. Apart from this, the help desk can also be contacted through email ([email protected]).
Who can take KCC
Now KCC is not limited to farming only. Animal husbandry and fisheries will also be able to get a loan of up to 2 lakh rupees under this. Any person connected with farming, fisheries and animal husbandry, even if he cultivates someone else’s land, can take advantage of it. The minimum age should be 18 years and maximum 75 years. If the farmer is over 60 years of age, then a co-applicant will also be employed. Whose age is less than 60. After filling the farmer’s form, the bank employee will see if you are eligible for it.
Whether the applicant is a farmer or not. For this, his revenue record will be seen. Aadhaar, PAN, photo will be taken for his identity and thirdly his affidavit will be taken that the loan of the applicant is not outstanding in any bank. The government has asked the banking association to expedite the work of making KCC. On the advice of the government, banks have abolished its processing fees. Whereas earlier it cost from 2 to 5 thousand rupees to build KCC.
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