1. Introduction
- Overview of agricultural credit in India
- The financial challenges faced by farmers
- The role of animal husbandry in rural livelihood
- How the Government of India is addressing these issues
2. What is the Kisan Credit Card (KCC) Scheme?
- History and origin of the scheme (launched in 1998)
- Objectives of the KCC
- Types of farmers eligible (crop farmers, animal husbandry farmers, fishermen)
- Institutions implementing the scheme (NABARD, commercial/co-operative banks)
3. Key Features of the Loan Scheme
- Interest rate and subsidy structure
- 2% interest subsidy
- 3% repayment incentive
- Effective interest rate: as low as 4%
- Loan coverage limit: ₹3 lakh for interest subsidy, up to ₹10 lakh total
- Repayment tenure
- Insurance coverage under the KCC
4. Sector-Wise Loan Support and Limits
- Dairy Farming
- Crossbred cows and buffaloes
- Loan amount: ₹18,000 to ₹42,000
- Sheep Farming
- 10+1 and 20+1 models
- Stall-fed vs open grazing
- Fattening of sheep
- Goat Farming
- Similar structure to sheep farming
- Loan amount: ₹14,700 to ₹57,200
- Pig Farming
- Fattening units
- Loan limit: ₹60,000
- Poultry Farming
- Broiler (meat) and Layer (egg) farming
- Loan amount: ₹80,000 to ₹1,80,000
- Rabbit Farming
- 50+1 model
- Loan limit: ₹50,000
5. Application Process (1000 words)
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- Where to apply (banks, common service centers)
- Step-by-step application process
- Required documents
- Filled application form
- Aadhaar, RTC, Bank account details
- Passport-sized photo
- Bank appraisal and disbursal
6. Government Support and Campaign Timeline
- Special drives to include animal husbandry farmers under KCC
- Extended deadline up to March 31, 2024
- Role of Department of Financial Services
7. Case Studies
- Real-life stories of farmers who benefited
- Dairy farmer expanding operations
- Goat farming group turning profitable
- A women’s self-help group using poultry farming loans
8. Challenges and Limitations
- Awareness and accessibility
- Collateral and credit history
- Need for digital literacy
9. Recommendations and Future Outlook
- Making KCC application 100% online
- Integration with PM-KISAN and eNAM
- Expanding subsidy limits
10. Conclusion
- Summary of benefits
- Encouragement for farmers to avail the scheme
- How KCC is transforming rural India
