କିଷାନ କ୍ରେଡିଟ କାର୍ଡ — ସଂଶୋଧିତ ସୁଧ ରିହାତି ଯୋଜନା

ବ୍ୟାଙ୍କ ବର୍ଷକୁ 7% ରେ ଋଣ ଦିଏ (ତାହା ସମ୍ଭବ କରିବାକୁ ସରକାର ବ୍ୟାଙ୍କକୁ 1.5% ଦିଅନ୍ତି); ସମୟରେ ଫେରାଇଲେ ଏହା 4% ହୁଏ। ₹3 ଲକ୍ଷ ସୀମା ସମସ୍ତ KCC ଖାତା ମିଶି ଚାଷୀ ପିଛା (ଅନୁଚ୍ଛେଦ 3(ii))। ଏକ ବର୍ଷ ପରେ ଫେରାଇଲେ ପ୍ରୋତ୍ସାହନ ହରାଇବେ। କ୍ଷୁଦ୍ର ଓ ନାମମାତ୍ର ଚାଷୀ WDRA ଗୋଦାମ ରସିଦ ବିରୁଦ୍ଧରେ ଋଣରେ ଅମଳ ପରେ ଆଉ ଛଅ ମାସ ପର୍ଯ୍ୟନ୍ତ ରିହାତି ପାଆନ୍ତି (ଅନୁଚ୍ଛେଦ 2(iv))। ଏହି ହାର FY 2025-26 ପାଇଁ RBI ସର୍କୁଲାରରୁ; କେନ୍ଦ୍ର ବଜେଟ 2026-27 ଟିପ୍ପଣୀ ସମାନ ସର୍ତ୍ତ କହେ (₹3 ଲକ୍ଷ 7% ରେ, ସମୟରେ ଫେରାଇଲେ 3% ଅଧିକ), କିନ୍ତୁ FY 2026-27 ପାଇଁ RBI ସର୍କୁଲାର ଆମେ ଏପର୍ଯ୍ୟନ୍ତ ଦେଖିନାହୁଁ।

“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.”

ଫସଲ ଋଣ ଓ ସହଯୋଗୀ ଋଣ ଦୁଇଟି ଥିଲେ ପ୍ରଥମେ ଫସଲ ଋଣ ଗଣାଯାଏ ଓ ମୋଟ ସୀମା ₹3 ଲକ୍ଷ ହିଁ ରହେ (ଅନୁଚ୍ଛେଦ 2(iii) ଓ ଏହାର ଉଦାହରଣ) — ତା ବଦଳରେ ₹3 ଲକ୍ଷ ନିୟମ ବ୍ୟବହାର କରନ୍ତୁ।

“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% ବ୍ୟାଙ୍କକୁ ଦିଆଯାଏ, ଆପଣଙ୍କୁ ନୁହେଁ; ଆପଣ ପାଉଥିବା ହେଉଛି 7% ହାର। ଏହା ସରକାରୀ ବ୍ୟାଙ୍କ, ଘରୋଇ ବ୍ୟାଙ୍କର ଗ୍ରାମୀଣ ଓ ଅର୍ଦ୍ଧ-ସହରୀ ଶାଖା, କ୍ଷୁଦ୍ର ଅର୍ଥ ବ୍ୟାଙ୍କ ଓ ଅନୁସୂଚିତ ବାଣିଜ୍ୟିକ ବ୍ୟାଙ୍କ ସହ ଯୋଡ଼ା କମ୍ପ୍ୟୁଟରୀକୃତ PACS ରେ ଲାଗୁ (ଅନୁଚ୍ଛେଦ 2(i))। ସମୟରେ ଫେରାଇଲେ ଆଉ 3% (ସମୟରେ-ଫେରସ୍ତ ନିୟମ)। ଏଗୁଡ଼ିକ FY 2025-26 ସର୍ତ୍ତ; କେନ୍ଦ୍ର ବଜେଟ 2026-27 ଟିପ୍ପଣୀ ସମାନ କଥା କହେ।

“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.”

ବିପର୍ଯ୍ୟୟ ଗୁରୁତର କି ନାହିଁ ଆନ୍ତଃ-ମନ୍ତ୍ରାଳୟ କେନ୍ଦ୍ରୀୟ ଦଳ ଓ ଜାତୀୟ କାର୍ଯ୍ୟନିର୍ବାହୀ କମିଟିର ଉପ-କମିଟିର ସୁପାରିଶରେ ଏକ ଉଚ୍ଚସ୍ତରୀୟ କମିଟି ସ୍ଥିର କରେ (ଅନୁଚ୍ଛେଦ 2(vi))। ସାଧାରଣ ବିପର୍ଯ୍ୟୟ ପରେ ଦ୍ୱିତୀୟ ବର୍ଷଠାରୁ, ପୁନଃଗଠିତ ଋଣରେ ସାଧାରଣ ହାର ଲାଗେ (ଅନୁଚ୍ଛେଦ 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.”