Ladakh - Apply for KISAN Credit Card (Union Green Card, KCC)

Advertisement

Procedure

Apply In-Person:

1. To Apply for KISAN Credit Card (Union Green Card), the applicant must approach the nearby Union Bank of India Branches – link

Note: The applicant must enter State, city, or branch name to find nearby branches.

1. An credit card application form will be provided to the applicant by the concerned officer.
2. The applicant has to fill in all the necessary details in the application form. (Incomplete applications are not accepted)
3. Make sure that the applicant has attached all the necessary documents that are mentioned in the “Required Documents” section of this page.
4. The applicant has to attach photocopies of the required documents along with the application form while submitting it.
5. Submit all the documents with the completed form to the concerned officer.
6. After receiving the application, the concerned authority will check the submitted application and document set. If all are in place, the application will be accepted.
7. All applications are processed within a reasonable time, having regard to the circumstances of each application, including the completeness of information and documents submitted to the authority by the applicant.
8. The authority may seek additional information from an applicant if this is necessary to assess the application. The authority does not need to deal further with an application until the applicant has provided this additional information.
9. If the applicant meets all the required standards, the bank will issue the Union Green card.
10. The card will be sent to the applicant by post.
11. This entire process can be completed within 30 days or as per the timeline advised by the respective department authority.

Advertisement

Required Documents

• Duly filled-in and signed-in application form.
• Copy of identity proof such as Aadhaar card, PAN card, Voter ID, driving licence, etc.
• Copy of address proof document such as Aadhaar card, PAN card, Voter ID, driving licence. The proof should have the applicant’s current address to become valid.
• Land documents.
• A passport size photograph of the applicant.
• Other documents such as security PDC as requested by the issuing bank.

Office Locations & Contacts

MINISTRY OF AGRICULTURE AND FARMERS WELFARE
Krishi Bhawan,
Sansad Marg,
New Delhi - 110001
Phone: 011-23389340
Fax: 011-23389341
Email: [email protected]
Website: link
Contact Details – link
Union Bank of India Branch Finder – link
Note: The applicant must enter State, city, or branch name to find nearby branches.

Eligibility

The eligibility criteria for the KISAN Credit Card (Union Green Card) are as follows:

• Any individual farmer who is an owner-cultivator.
• People who belong to a group and are joint borrowers. The group has to be owner-cultivators.
• Sharecroppers, tenant farmers, or an oral lessee are eligible for the KCC.
• Self-help groups (SHG) or joint liability groups (JLG) of sharecroppers, farmers, tenant farmers, etc.
• Farmers involved in the production of crop or allied activities such as animal husbandry along with non-farm activities such as fishermen.

Fees

• The fee for this procedure is free of cost.

Validity

• The repayment period may be fixed by banks as per the anticipated harvesting and marketing period for the crops for which the loan has been granted.
• Card should be normally valid for 5 years subject to annual review.
• However, in case the period of lease of land is less than 5 years, validity of card may be valid for the period of lease only and eligible loan amount has to be worked out accordingly for shorter duration.

Documents to Use

Please attach documents that can be used by people. e.g. links

Sample Documents

Please attach sample completed documents that would help other people.

Processing Time

• This entire process can be completed within 30 days or as per the timeline advised by the respective department authority.

Related Videos

Videos explaining the procedure or to fill the applications.
Attach videos using the following tag <&video type='website'>video ID|width|height<&/video&> from external websites.
Please remove the '&' inside the tags during implementation.
Website = allocine, blip, dailymotion, facebook, gametrailers, googlevideo, html5, metacafe, myspace, revver,
sevenload, viddler, vimeo, youku, youtube
width = 560, height = 340, Video ID = Can be obtained from the URL of webpage where the video is displayed.
e.g In the following url 'http://www.youtube.com/watch?v=Y0US7oR_t3M' Video ID is 'Y0US7oR_t3M'.

Instructions

• Applicants must complete the application form before submitting it. Incomplete applications will not be accepted.
• Applicants must provide genuine information while applying for this procedure.

Required Information

• Name of the applicant
• Address
• Email
• Telephone
• Date of birth
• Age
• Aadhar number
• Bank account details

Need for the Document

• The Union Green Card is a digital version of the Kisan Credit Card (KCC), which is issued by Union Bank of India is a short-term credit facility extended by banks to eligible farmers for crop production and allied activities. It is a revolving credit card, which means that the farmer can withdraw money up to the sanctioned limit and repay it as and when he/she can. The interest is charged only on the outstanding amount.

Information which might help

The KCC (Union Green Card) is a very useful financial product for farmers. It provides them with easy access to credit, which they can use to meet their crop production and other needs. The digital version of the KCC makes it even more convenient for farmers to avail of this facility. such as:

• No need to visit the bank branch for loan application or disbursement
• Quicker loan approval and disbursal
• Online tracking of loan account
• Easy repayment of loan

Other uses of the Document/Certificate

Please explain what are other uses of obtaining this document/certificate.
e.g. Birth Certificate can be used as proof of identity.

External Links

• For more information – link

Others

Features and Benefits of Kisan Credit Card

• Farmers are given credit for meeting their financial requirements of agricultural and other allied activities along with post-harvest expenses.
• Investment credit for agricultural requirements such as dairy animals, pump sets etc.
• Farmers can take out a loan of up to Rs.3 lakh and also avail produce marketing loans.
• Insurance coverage for KCC scheme holders up to Rs.50,000 in the case of permanent disability or death. A cover of Rs.25,000 is given in case of other risks.
• Eligible farmers will be issued a savings account with attractive interest rate along with smart card and a debit card in addition to the Kisan Credit Card.
• Flexible repayment options and hassle-free disbursement procedure.
• Single credit facility/ term loan for all agricultural and ancillary requirements.
• Assistance in the purchase of fertilizers, seeds, etc. as well as in availing cash discounts from merchants/ dealers.
• Credit is available for a period of up to 3 years and repayment can be made once the harvest season in over.
• No collateral will be required for loans amounting to Rs.1.60 lakh.