SARAKARI yOJANE

Pashu Kisan Credit Card Scheme 2022

Haryana-Pashu-Kisan-Credit-Card-Yojana

If you are willing to do animal husbandry, take advantage of the Pashu Kisan Credit Card scheme. The following piece explains every intricate detail about this government-backed scheme.

So, let’s begin!

What Is the Pashu Kisan Credit Card Scheme?

The Haryana Government launched the Pashu Kisan Credit Card (PKCC) Scheme to provide cattle farmers loans. To avail of the loan amount, animal owners need to have a Pashu Kisan Credit Card.

Haryana is the first state in India to implement this scheme. Initially, Pashu Kisan Credit Card was distributed among 101 in Bhiwani in Haryana. The government aims to provide a 10 lakhs card by March 2021.

What Are the Features & Objectives of the Pashu Kisan Credit Card Scheme?

The features of the PKCC scheme are discussed below –

  • Loan amount– Livestock owners, can get a maximum loan amount of up to ₹3 lakh. This scheme provides ₹40,783 for the cow, ₹60,249 for each buffalo, ₹4063 for goats and sheep. Further, the PKCC scheme provides ₹720 for chickens (for laying eggs). Further, no guarantee is required for a loan up to ₹1.6 lakh.
  • Instalment Pattern– Pashu Kisan Credit Card scheme offers loans to cattle farmers in 6 equal instalments.
  • Interest Rate-Banks or financial institutions usually offer loans at a 7% interest rate. However, under this scheme, livestock owners need to pay a 4% interest charge.
  • Rebate– Cattle-owners may get a rebate of 3% from the Central Government.
  • Repayment Period– This scheme comes with a repayment period of 5 years, meaning cattle-owners need to repay the loan amount with 5 years with the applicable interest charge.

The main objective of the Pashu Kisan Credit Card Scheme is mentioned below –

  • Assist farmers involved in animal husbandry.
  • Help grow their business across the nation.
  • Double the income of cattle farmers by 2022.

What Are the Eligibility Criteria for a Pashu Kisan Credit Card?

The eligibility criteria of Pashu Credit Card Yojana vary from one category to another as per the type of cattle farming. These include,

Poultry and Small Ruminant

  • Farmers
  • Joint Liability Groups
  • Self Help Groups (tenant farmers of poultry/pigs/ rabbit/ goats/ sheep/ birds/ who have owned/leased/ rented sheds)
  • Poultry farmers (individual or joint borrower)

Dairy

  • Farmers
  • Joint Liability Groups
  • Self Help Groups (tenant farmers having owned/leased sheds rented)
  • Dairy farmers (individual or joint borrower)

Fishery

  • Farmers (individual, groups, tenant farmers, partners, and sharecroppers)
  • Self Help Groups
  • Women groups
  • Joint Liability Groups

Note: Beneficiaries must lease or own any fisheries-related activities like rearing unit, tank, pond, raceway, open water bodies, and hatchery. They must have a licence for fish farming and fishing-related activities

Marine Fisheries

  • Fish Farmers (individual, partners, tenant farmers, groups, and sharecroppers)
  • Joint Liability Groups
  • Self Help Groups
  • Women groups

Note: Beneficiaries must lease or own a registered fishing vessel, registered boat. In addition, they must have a fishing licence. Further, they must have permission for fishing in the sea, estuary, and fish farming/mariculture activities in estuaries.

What Are the Documents Required for Pashu Kisan Credit Card?

Following is a list of all the important documents of the Pashu Credit Card Scheme –

  • Duly filled-in and signed-in application form of PKCC scheme.
  • Address proof copy (Aadhaar card, Voter ID, PAN card, driving license.)

Note: Applicants should submit address proof copy verifying their current address)

  • Identity proof copy (Aadhaar card, Voter ID, PAN card, driving license, etc.)
  • Land documents
  • Passport size photograph
  • Other documents (security PDC as requested by the issuing bank)
  • Animal health certificate.

Who Can Apply for a Pashu Kisan Credit Card?

Following is the list of individuals who can apply for the Pashu Kisan Yojana, 

  • A resident of Haryana who is involved in cattle farming.
  • Individuals who have Kisan Credit Card.
  • Individuals belonging to weaker sections can apply for this scheme.

Now that cattle-owners know about the eligibility and important documents, we can move on to the section on the application process of the Pashu Kisan Credit Card Scheme.

How to Apply for a Pashu Kisan Credit Card?

To avail of the loan amount under the Pashu Kisan Credit Card scheme, you have to get the Pashu Kishan Credit card. Both the online and offline is discussed below,

Online Application for Pashu Kisan Credit Card Scheme

Step-1: Kisan credit card is available at any nationalised bank. Hence, visit the website of any nationalised bank.

Step-2: From the website, choose Kisan Credit Card and click on ‘Apply.’

Step-3: On the next page, fill in the Pashu Kisan Credit Card application form. Click on ‘Submit’.

Step-4: You will receive an application reference.

Note: Upon successful application, the concerned bank will contact you within 3-4 business days.

Apply for Pashu Kisan Credit Card Offline

Step-1: Eligible beneficiaries must visit the nearest bank to get the Pashu Kisan Credit Card under the Pashu Kisan Credit Card scheme.

Step-2: Collect the application form of Pashu Kisan Credit Card and fill it in with correct details.

Step-3: Complete KYC verification and submit the documents.

Here, cattle farmers will receive a credit card on the basis of the financial scale.

What Are the Benefits of the Pashu Kisan Credit Card Scheme?

The benefits of the Pashu Kisan Credit Card Scheme are as follows –

  • This scheme offers credit access up to ₹1.60 without any guarantee.
  • PKCC scheme helps individuals related to agricultural activities with post-harvest expenses.

Note: If individuals take a loan amount of more than 3 lakh, they will have to pay an interest rate of 12%. Further, they need to pay the interest amount within one year to receive the next amount.

The Pashu Kisan Credit Card scheme is one of the most innovative and promising schemes of the Government of India that focuses on livestock development and farmers. Banks should come forward in distributing the loan amount so that the influence of informal credit access gets reduced.

Read the details mentioned above carefully and increase your income by applying to the Pashu Kisan Credit Card scheme.

Frequently Asked Questions

✓ Which banks offer Pashu Kisan Credit cards?

Banks that offer Pashu Kisan Credit card includes HDFC Bank, Axis Bank, State Bank Of India, Punjab National Bank Bank Of Baroda, ICICI Bank etc.

✓ Has the Reserve Bank of India decided to extend services of the Pashu Kisan Credit Card?

Yes, the Reserve Bank of India has decided to extend the Pashu Kisan Credit Card services to continue covering the working capital needs of animal husbandry related services.

Location : Karnataka India

Published Date : 2021

Information Term : Short in

Purpose of Information : Employee

Information Format : JPJ

Information Size : 672kb

Number of Pages : 02

Scanned Copy : Yes

Information Editable Text : No

Password Protected : No

Image Available : Yes

Download Link Available : Yes

Copy Text : No

Information Print Enable : Yes

File Quality : High

File size Reduced : No

File Password : No

Rate : Free of cost

For Personal Use Only

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Udyogini Yojana 2022

1-4

Under this scheme, the government has directed financial institutions, including banks, to provide interest-free loans to women belonging to different sections of the society without any prejudice or preference. Primarily, Udyogini scheme was launched by the Karnataka State Women’s Development Corporation (KSWDC), Saraswat Bank, Punjab and Sind Bank, Regional Rural Banks, Cooperative Banks along with different private and other Public sector Banks.

Details of Udyogini Yojana 2022

Loan amountMax amount up-to ₹3 lakh
Interest rateVery competitive (highly subsidized or free loans to special category)
Annual family income (applicant)₹1.5 lakh or less
Age limitMin. 18 years and max. 55 years
For widows or disabled womenNo income limit
CollateralNot required
Processing feesNil

Features of the Udyogini Scheme

  • Interest-free loans

The Udyogini scheme aims to provide financial help to women in establishing their small businesses. Financial institutions are more liberal in funding women belonging to special categories such as widows, destitute, and disabled are accorded special privileges. Women under special categories get interest-free loans under the scheme. 

  • High-value loan amount

Some of the applicants can get a loan of Rs. 3 lakh under the Udyogini scheme. However, for availing this amount, eligible applicants must meet the required eligibility criteria.

  • 88 Small scale Industries are covered under the scheme

Eighty-eight small scale industries get loan benefits under the scheme. Interest-free loans are also given to women entrepreneurs in the agriculture sector.

  • Training for skill development

Under this scheme, skill development training is also imparted to women for establishing their business. The training includes the basics of running the business, such as:

  • Business planning
  • Pricing
  • Costing
  • Feasibility of the business
  • Up to 30% loan subsidy

The main objective of the Udyogini scheme is to enable women to start and sustain their businesses. In helping them financially, the government proposes giving a 30% subsidy on the loans extended to the women entrepreneurs. This further helps in easing the financial burden and making loan payments affordable.

  • Transparency in applicant evaluation

There is a transparent mechanism adopted to evaluate the eligibility criteria of an applicant before extending the loan. The Udyogini scheme application form checks the veracity of the beneficiary transparently.

Eligibility Criteria to apply for Udyogini Scheme

Aspiring Indian women entrepreneurs who want to benefit from the Udyogini scheme has to fill the Udyogini loan application. They are eligible to receive the funding after meeting the required criteria such as:

Gender Woman
Age criteriaMinimum 18 years & Maximum 55 years
Annual Family income₹1.5 lakh or less
CollateralNot required
For widow & Disabled woman. No age limit

Documents required to apply for Udyogini Scheme

  • Passport size photographs – 2
  • Aadhar card
  • Birth certificate
  • A letter is written on local MLA OR Local MP latter pad
  • BPL card photocopy
  • Caste certificate (for SC/ST)
  • Income proof
  • Photocopy of Bank passbook

Benefits of Udyogini scheme

Some of the benefits of the scheme are:

  • Under the scheme, 7047 women entrepreneurs are supported.
  • 5432 children are supported under the scheme.
  • 1698 villages are covered till now.
  • 53762 producers are engaged so far.

Language : Kannada

Which Department : Education

Central OR State Information: State

Location : Karnataka

Published Date : 2020

Information Term : Short

Purpose of Information : Employee

Information Format : JPJ

Information Size : 672kb

Number of Pages : 02

Scanned Copy : Yes

Information Editable Text : No

Password Protected : No

Image Available : Yes

Download Link Available : Yes

Copy Text : No

Information Print Enable : Yes

File Quality : High

File size Reduced : No

File Password : No

Rate : Free of cost

For Personal Use Only

Save water, Save life’s.!!

Please Note ; We have collected this content from the internet ,for education purpose its very helpful to students, if you find this is copyrighted content and belongs to you please contact to the admin to remove this content from our website.

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