theIASHub | 11 Jan, 2024
Context: Recently, the Union Fisheries, Animal Husbandry, and Dairying minister announced that fishermen will be provided cards similar to the Kisan Credit Card.
Kisan Credit Card (KCC)
oTo manage post-harvest expenses.
oTo meet the consumption requirement of the farmer’s household.
oKCC offers several benefits, including an ATM-enabled RuPay Card, simplified documentation, automatic limit escalation, and unrestricted withdrawals within the set limit.
oExpansion of Eligibility: In 2004, the eligibility criteria for the program were broadened to encompass farmers' requirements for investment credit, covering both agricultural and non-farm activities.
oDiverse Financial Support: KCC caters to various financial needs of farmers, such as post-harvest expenses, loans for selling produce, and meeting household consumption requirements.
oFlexible Repayment Schedule: The repayment period under KCC is determined based on the crop's harvesting and marketing duration, offering flexibility to farmers.
oLoan Duration: KCC provides short-term agriculture loans with a maximum tenure of 1 year and long-term loans with a duration of up to 5 years.
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