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SCHEME FOR FINANCING UNDER PGB KISAN CREDIT CARD (KCC)

WORKING CAPITAL FOR ANIMAL HUSBANDRY/ DAIRY/ PIGGERY / POULTRY AND FISHERIES

1. ELIGIBILITY The intending borrower(s) should be having experience in maintenance of animal/ fish/ bird etc. The criteria for eligible beneficiaries under KCC for Animal Husbandry and Fisheries will be as under:
  1. Fishery, Inland Fisheries and Aquaculture: Fishers, Fish Farmers (individual & groups/ partners/ share croppers/ tenant farmers), Self Help Groups, Joint Liability Groups and women groups. The beneficiaries must own or lease any of the fisheries related activities such as pond, tank, open water bodies, raceway, hatchery, rearing unit, possess necessary license for fish farming and fishing related activities, and any other State specific fisheries and allied activities.
  2. Poultry and small ruminant: Farmers, poultry farmers either individual or joint borrower, Joint Liability Groups or Self-Help Groups including tenant farmer of sheep/ goats/ pigs/ poultry/ birds/ rabbit and having owned/ rented/ leased sheds.
  3. Dairy: Farmers and Dairy farmers either individual or joint borrower, Joint Liability Groups or Self-Help Groups including tenant farmers having owned/ rented/ leased sheds.
2. PURPOSE The KCC facility will meet the short-term credit requirements of rearing of animals, birds, fish, shrimp, other aquatic organisms, capture of fish etc.
3. EXTENT OF LIMIT/ LOAN Need – based loan should be provided on the basis of Scale of Finance as fixed by DLTC (District Level Technical Committee) -Maximum Rs. 50.00 lakh
4. MARGIN Production credit: Nil
Term Loan
  1. Upto Rs.2 lakh – Nil
  2. Above Rs.2 lakh – As per Bank’s extant guidelines
5. SECURITY For loan upto Rs.2.00 lakh
  • Primary – Hypothecation of crops and/or assets created out of Bank loan.
  • Collateral – Nil
For loan above Rs. 2.00 lakh – As per Bank’s extant guidelines
6. RATE OF INTEREST* For loans upto Rs. 2 Lakh – 7%
For loans above Rs. 2 Lakh – As per Bank’s extant guidelines

*Subject to change from time to time

For more information or any query related to the scheme, kindly visit your nearest PGB branch.

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