Know everything about KCC Loan JK Bank 2025 – Interest rate, eligibility, required documents, loan limit, apply process & government subsidy details for farmers.
🌾 KCC Loan JK Bank – Farmers ke Liye Best Krishi Credit Yojana 2025
Agar aap ek kisan hain aur apne kheti ke liye working capital chahte hain to KCC Loan JK Bank (Kisan Credit Card Loan) aapke liye perfect option hai. Jammu & Kashmir Bank (JK Bank) apne KCC scheme ke through kisano ko short-term aur long-term farming ke liye easy aur affordable loan provide karta hai.
Is article me hum poori detail me samjhenge – KCC Loan JK Bank kya hai, interest rate kitna hai, eligibility kya hai, documents kya lagenge, kaise apply karein aur repayment process kya hota hai.
🏦 KCC Loan JK Bank Kya Hai?
KCC Loan JK Bank ek special loan scheme hai jo farmers ke liye launch ki gayi hai. Iska main purpose hai unhe short-term credit facility dena jisse wo apne kheti ke kaam me paisa use kar saken – jaise beej kharidna, fertilizer lena, machinery maintenance, ya irrigation system banana.
JK Bank ka Kisan Credit Card farmers ko ek revolving credit facility deta hai jisme wo apni zarurat ke hisaab se paisa use kar sakte hain aur repayment apne crop season ke baad kar sakte hain.
💰 KCC Loan JK Bank Interest Rate 2025
JK Bank apne farmers customers ko bahut hi affordable rate par KCC Loan JK Bank offer karta hai.
| Loan Type | Interest Rate (per annum) | Processing Fee |
|---|---|---|
| Crop Loan (KCC Loan JK Bank) | 7.00%* onwards | Nil / Minimal |
| Allied Activities Loan | 7.50% – 9.00% | Nil / Minimal |
| Farm Equipment Loan | 8.00% – 10.00% | Depends on loan size |
💡 Note: Agar borrower Government Interest Subvention Scheme ke under eligible hai to 3% tak additional interest subvention milta hai, jisse effective KCC Loan JK Bank rate 4% tak ho jata hai.
🧾 Eligibility Criteria for KCC Loan JK Bank
KCC loan lene ke liye applicant ko kuch basic eligibility conditions follow karni hoti hain:
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Applicant Indian citizen hona chahiye
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Farmer (individual / joint borrower / tenant / sharecropper) eligible hai
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Minimum age: 18 years
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Maximum age: 70 years
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Land ownership proof hona chahiye
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Past repayment record clean hona chahiye
📜 Documents Required for KCC Loan JK Bank
Loan apply karne ke liye ye documents lagte hain:
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KYC Documents: Aadhaar Card, PAN Card, Voter ID
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Address Proof: Electricity Bill / Ration Card / Aadhaar
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Land Ownership Documents (Jamabandi / Fard / Patta etc.)
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Income Proof (agar required ho)
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Photographs (2 passport size)
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Application Form (JK Bank KCC form)
In sab documents ke sath branch visit karne par aapka KCC Loan JK Bank turant process hota hai.
📈 KCC Loan JK Bank Limit Kitni Milti Hai?
Loan limit decide hoti hai aapki land holding aur crop value ke hisaab se.
| Land Holding | Approx. Loan Limit | Tenure |
|---|---|---|
| 1 Acre | ₹25,000 – ₹50,000 | 1 year |
| 3 Acres | ₹75,000 – ₹1,50,000 | 3 years |
| 5 Acres | ₹2,00,000+ | 5 years |
Loan limit ko time-to-time crop value aur yield ke hisaab se revise kiya jata hai.
🧮 Example: KCC Loan JK Bank Calculation
Man lijiye aapke paas 3 acres land hai aur aapka average cost per acre ₹40,000 hai.
➡️ Total Crop Cost = ₹1,20,000
➡️ Add Household + Insurance = ₹10,000
➡️ Eligible Loan Amount = ₹1,30,000
Ab agar KCC Loan JK Bank ka interest rate 7% hai, to aapko 1 saal ke liye ₹9,100 approx interest pay karna hoga.
🕒 Repayment Schedule
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Loan repayment crop harvesting ke baad kiya jata hai
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Tenure 12 months to 60 months tak hota hai
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Bank flexible repayment facility deta hai
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Time par repayment karne par 3% interest subvention milta hai
Agar aapka repayment record achha hai to future me loan limit badh sakti hai.
📱 KCC Loan JK Bank Apply Kaise Kare
Aap KCC Loan JK Bank ke liye do tarike se apply kar sakte hain –
1️⃣ Offline Mode:
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Nearest JK Bank branch me jaayein
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KCC application form lein
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Documents submit karein
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Bank officer verification karega
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Gold / land / other security ke basis par loan sanction
2️⃣ Online Mode:
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Visit karein www.jkbank.com
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“Agri & Rural Banking” section me jayein
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“Kisan Credit Card (KCC)” pe click karein
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Form download karein aur branch me submit karein
🚜 Benefits of KCC Loan JK Bank
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Low Interest Rate – Sirf 7% p.a. se shuru
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Government Subsidy – Time par repayment par 3% extra discount
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Flexible Repayment – Harvest ke baad repayment
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No Hidden Charges – Transparent system
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Multiple Use – Crop, Dairy, Poultry, Irrigation sab ke liye
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Insurance Cover – Crop aur borrower dono insured
💳 KCC Loan JK Bank – Renewal Process
KCC loan ko har 3-5 saal me renew karna hota hai. Renewal ke time pe:
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Crop pattern update hota hai
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Repayment record verify hota hai
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Land holding aur limit revise hoti hai
Agar aapka record clean hai to bank aapki credit limit badha deta hai.
🔍 Comparison: JK Bank KCC vs Other Banks
| Bank | Interest Rate | Subsidy | Max Tenure |
|---|---|---|---|
| JK Bank | 7% p.a. | 3% govt subsidy | 5 years |
| SBI | 7% p.a. | 3% subsidy | 5 years |
| PNB | 7% – 8% p.a. | 3% subsidy | 5 years |
| HDFC | 8% – 9% p.a. | Applicable | 3 years |
Clearly, KCC Loan JK Bank ek strong competitor hai in terms of low interest rate aur easy processing.
❓ FAQ – KCC Loan JK Bank
Q1. KCC Loan JK Bank kya hai?
👉 Ye ek Krishi Credit Yojana hai jo farmers ko short-term aur long-term agricultural loan provide karti hai.
Q2. KCC Loan JK Bank interest rate kitna hai?
👉 7% per annum se start hota hai (government subsidy ke baad 4% tak aa sakta hai).
Q3. KCC Loan JK Bank ke liye kaun apply kar sakta hai?
👉 Farmers, tenant cultivators, sharecroppers sab eligible hain.
Q4. KCC Loan JK Bank apply kaise karein?
👉 Aap online jkbank.com se ya nearest branch se apply kar sakte hain.
Q5. KCC Loan repayment kaise hota hai?
👉 Harvest ke baad single payment ya flexible EMI mode me repay kar sakte hain.
🏁 Conclusion
Agar aap ek kisan hain aur apne kheti ke liye reliable aur low-interest credit chahte hain, to KCC Loan JK Bank ek bahut accha option hai. Isme low interest rate, government subsidy aur easy repayment facility milti hai.
JK Bank ka KCC scheme not only helps in farming growth but also promotes rural development.
⚠️ Warning Message (Disclaimer)
Ye article sirf educational purpose ke liye hai. KCC Loan JK Bank ke interest rate aur terms time ke sath change ho sakte hain. Loan lene se pehle JK Bank ki official website ya nearest branch se latest details confirm kar lein. Hum kisi bhi financial loss ke liye zimmedar nahi hain.
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