किसान क्रेडिट कार्ड — सुधारित व्याज सवलत योजना

बँक वर्षाला 7% दराने कर्ज देते (ते शक्य व्हावे म्हणून सरकार बँकेला 1.5% देते); वेळेवर फेड केल्यास ते 4% होते. ₹3 लाखांची मर्यादा प्रति शेतकरी, सर्व KCC खाती मिळून (परिच्छेद 3(ii)). एक वर्षानंतर फेड केल्यास प्रोत्साहन मिळत नाही. WDRA गोदाम पावतीवरील कर्जावर लहान व अत्यल्प भूधारक शेतकऱ्यांना काढणीनंतर आणखी सहा महिन्यांपर्यंत सवलत मिळते (परिच्छेद 2(iv)). हे दर आर्थिक वर्ष 2025-26 च्या RBI परिपत्रकातील आहेत; केंद्रीय अर्थसंकल्प 2026-27 च्या टिपांत त्याच अटी आहेत (₹3 लाख, 7% दराने, वेळेवर फेडीसाठी आणखी 3%), पण आर्थिक वर्ष 2026-27 चे RBI परिपत्रक आम्ही अजून पाहिलेले नाही.

“An additional interest subvention of 3% per annum will be provided to such of those farmers repaying in time, i.e., from the date of disbursement/drawl/renewal of the loan/s upto the actual date of repayment/tenure/due date or upto the due date fixed by the banks for repayment of such loan/s, whichever is earlier, subject to a maximum period of one year from the date of disbursement.”

तुमच्याकडे पीक कर्ज व संलग्न कर्ज दोन्ही असल्यास, आधी पीक कर्ज धरले जाते आणि एकूण मर्यादा ₹3 लाखच राहते (परिच्छेद 2(iii) व त्यातील उदाहरणे) — त्याऐवजी ₹3 लाखांचा नियम वापरा.

“Interest subvention and prompt repayment incentive benefits on short term crop loans and short term loans for allied activities will be available on an overall limit of ₹3 lakh per annum subject to a maximum sub-limit of ₹2 lakh per farmer in respect of those farmers involved only in activities related to animal husbandry, dairy, fisheries, bee keeping etc.”

1.5% बँकेला दिले जातात, तुम्हाला नाही; तुम्हाला मिळतो तो 7% दर. हे सार्वजनिक क्षेत्रातील बँका, खाजगी बँकांच्या ग्रामीण व निमशहरी शाखा, स्मॉल फायनान्स बँका आणि अनुसूचित व्यावसायिक बँकेशी जोडलेल्या संगणकीकृत PACS मध्ये लागू (परिच्छेद 2(i)). वेळेवर फेड केल्यास आणखी 3% (वेळेवर फेडीचा नियम). या आर्थिक वर्ष 2025-26 च्या अटी आहेत; केंद्रीय अर्थसंकल्प 2026-27 च्या टिपांतही तसेच वर्णन आहे.

“In order to provide short term crop loans and short term loans for allied activities including animal husbandry, dairy, fisheries, bee keeping etc. upto an overall limit of ₹3 lakh to farmers through KCC at concessional interest rate during the year 2025-26, it has been decided to provide interest subvention to lending institutions … Lending rate to farmers 7% — Rate of Interest Subvention to Lending Institutions 1.50%”

“In order to discourage distress sale by farmers and to encourage them to store their produce in warehouses, the benefit of interest subvention under KCC will be available to small and marginal farmers for a further period of upto six months post the harvest of the crop against negotiable warehouse receipts on the produce stored in warehouses accredited with Warehousing Development Regulatory Authority (WDRA), at the same rate as applicable to the crop loan from the date of pledge.”

आपत्ती गंभीर धरायची की नाही हे आंतर-मंत्रालयीन केंद्रीय पथक आणि राष्ट्रीय कार्यकारी समितीच्या उपसमितीच्या शिफारशीवरून उच्चस्तरीय समिती ठरवते (परिच्छेद 2(vi)). सामान्य आपत्तीनंतरच्या दुसऱ्या वर्षापासून पुनर्रचित कर्जावर नेहमीचा दर लागतो (परिच्छेद 2(v)).

“(v) To provide relief to farmers affected by natural calamities, the applicable rate of interest subvention for that year will be made available to banks for the first year on the restructured loan amount. … (vi) However, to provide relief to farmers affected due to severe natural calamities, the applicable rate of interest subvention for that year will be made available to banks for first three years/entire period (subject to a maximum of five years) on the restructured loan amount. Further, in all such cases, the benefit of prompt repayment incentive @3% per annum shall also be provided to the affected farmers.”