Kisan Credit Card Scheme Revolutionising Farming in J&K | Farmers Are Free from High-Interest Loans
Now people are easily getting the necessary capital for farming related work, said the Prime Minister Shri Narendra Modi in a public speech. In this, they also got freedom from taking loan at higher interest rates.
We are getting a big benefit from Kisan Credit Card scheme, through this we can buy fertiliser for trees, said a farmer in J&K.
Now we do not have to be forced, earlier we used to borrow, but now farmers are running their farming business well with credit cards.
We renew it once a year and then get our money back, a farmer said.

This KCC money should not be invested in the house, it should be invested in business only, and then there will be profit. The bank also supports us a lot and makes sure that as many people as possible get the benefits.
I have taken a loan from KCC, we have the support of the bank staff and we get all kinds of benefits here. We have to put in credit once but there is also 4% return every year, a farmer narrated.

This is a very good situation, we get money at the time of fertilizer, we get money at the time of seeking medicine, and every facility is here as it is available in the J&K bank.

Farmers get benefits from every side.
When this scheme was not there, we had to raise money from brokers or bring money from somewhere else.
Now that system is no more, we bring our own goods and sell them ourselves.
This has ended brokerage.
Earlier, two or four brokers used to come in between, all that is over.

Now we take loan from the J&K Bank where the staff is also supportive.
There are many government sponsored schemes like PMEGP, KCC. We give to the farmers around Rs 24,750 per Kanal which is fixed by the govt.
Earlier, two or four brokers used to come in between, all that is over. There is a system of single crop and double crop.
If they bring their loan account into credit and do good work, they get a rebate of 4% interest, said a J&K Bank official. Our new schemes have just been launched which includes PM Vishwakarma Scheme for which we have just received the guidelines.
Cases are also coming, in which, people are getting benefits.
When people who do not get employment after studies come under these schemes, the subsidy component helps them a lot.
After three years, when they have generated profit, they get a push in their business.

These are very good schemes of the government which people of J&K are taking advantage of them, said the J&K Bank official.

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