पिकावर पिक कर्ज कसे मिळेल

Question

Anurag Gupta · Accepted Answer

To get a crop loan (also known as a Kisan Credit Loan) on your crops, you need to follow a systematic process. Here's a detailed explanation:

✅ What is a Crop Loan?
A crop loan is a short-term loan provided to farmers to meet the cultivation expenses such as seeds, fertilizers, pesticides, irrigation, labor, etc. It is usually offered at a concessional interest rate (often 0%–4%) under schemes like Kisan Credit Card (KCC).

📋 Documents Required:
Land ownership documents (7/12 extract, land map, or pattadar passbook)

Aadhaar card (identity proof)

Recent passport-size photographs

Bank passbook copy

Income certificate or self-declaration

Crop plan (details of the crop to be cultivated)

If tenant farmer: lease agreement or a No Objection Certificate (NOC) from the landowner

🏦 Step-by-Step Process:
Choose a Bank or Cooperative Society:
Visit your nearest nationalized bank, rural bank, or co-operative bank.

Fill the Crop Loan Application Form:
Collect and fill the form with your personal, land, and crop details.

Submit Documents:
Attach required documents and submit to the bank along with the application.

Verification and Inspection:
The bank will verify your land records, crop plans, and may do a physical inspection.

Loan Sanctioning:
Based on land area and crop type, the loan amount will be decided and sanctioned.

Loan Disbursal:
Once approved, the amount will be deposited in your bank account or issued through Kisan Credit Card (KCC).

💰 Loan Amount and Interest Rate:
Up to ₹3 lakhs: 0% to 4% interest (after government subsidy)

Loan amount depends on:

Type of crop

Land area under cultivation

Estimated input costs

🌐 Online Application (If Available):
Visit https://pmkisan.gov.in or your state agriculture department portal

Some banks also offer online crop loan applications through their official websites

📌 Important Tips:
Maintain a good credit history (CIBIL score) if applying for a higher amount.

Repay on time to get interest subsidy.

For loans above ₹1.6 lakh, collateral or guarantor may be required.

If you tell me your state or district, I can guide you to the exact portal or local bank procedure.