KCC PM Kisan Credit Card Benefits for Farmer | PM Kishan Credit Card online | KCC Full Details

Описание: KCC PM Kisan Credit Card Benefits for Farmer | PM Kishan Credit Card online | KCC Full Details. কী কী সুবিধা মিলতে চলেছে এই কেসিসি বা কিষান ক্রেডিট কার্ডে?

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Objective & Features of Kisan Credit Card Loan:
The main objective of Kisan Credit Card Loan is to provide loans to farmers at a low rate of interest. Before this scheme, farmers relied on money lenders who charged a high rate of interest and were rigid on the due date. This posed a lot of problems to farmers especially when they suffered calamity such as hailstorm, drought, etc.
On the other hand, Kisan credit card loans charge a lower rate of interest, offer flexible repayment schedule. Moreover, crop insurance and collateral-free insurance is also provided to the user. Details of Kisan Credit Card Loan scheme are:
The Interest rate offered on the loan may go as low as 2.00%
Banks will not seek security on loans up to Rs. 1.60 lakh
Crop insurance coverage against a variety of calamities is given to the users
Farmer is provided insurance coverage against permanent disability, death, other risks is also provided to the farmer
The repayment period is decided on the basis of harvesting of crop and its marketing period
Maximum loan up to Rs. 3.00 lakh can be taken by the card holder
Farmers that deposit their money in the kisan Credit Card account will get a high rate of interest
Farmers are charged simple interest rate when they make prompt payment
Compound interest is charged when cardholders fail to make timely payments

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