The Kisan Credit Card (KCC) is a government-backed scheme that aims to provide timely and affordable credit facility to farmers for their agriculture and allied activities. In order to avail the benefits of the scheme, farmers need to fulfill certain eligibility criteria and submit a set of documents. In this article, we will discuss the documents required for the Kisan Credit Card.
1. Identity and Address Proof: The farmer needs to submit documents such as Aadhaar card, voter ID, driving license, and passport as proof of identity. For address proof, any document such as electricity bill, telephone bill, or ration card can be submitted.
2. Land Documents: A farmer needs to submit documents such as land ownership records, revenue records, and lease/tenancy agreements as proof of ownership/possession of land. The documents should clearly state the area of land, its location, and the cropping pattern followed.
3. Income Proof: The farmer needs to submit documents such as land revenue records, income tax returns, or any other document that shows the annual income from agricultural activities. This data will be used by the bank to determine the creditworthiness of the applicant.
4. Bank Account Details: The farmer needs to submit details of their existing bank account, such as the account number, branch name, and IFSC code. This is necessary to facilitate the transfer of funds and to ensure the timely repayment of the loan.
5. Photograph: The farmer needs to provide a passport-sized photograph along with the application. This photograph is used to create the KCC card and to identify the farmer during transactions.
6. Crop Insurance: Farmers are also required to provide the details of any crop insurance policies they have purchased. This is to ensure that the farmer has adequate protection against crop damage and loss of yield.
In conclusion, the Kisan Credit Card is a beneficial scheme that provides farmers with timely and affordable credit for their agricultural activities. The documents required for the KCC are minimal and easy to produce, making it an accessible scheme for small farmers in rural areas. By submitting these documents, farmers can avail the benefits of the scheme and ensure the growth of their agricultural activities.