The Haryana Pashu Kisan Credit Card Scheme 2024 is designed to help farmers who have animals. If you’re a farmer with livestock, you can apply for a Pashu Kisan Credit Card (PKCC) under this scheme. By filling out the application form, you can get a new credit card. This card comes with a 4% discount on interest rates, and you have one year to repay the credit. Farmers can receive specific amounts of credit for each type of animal they own, such as Rs. 76,300 for a Murrah buffalo, Rs. 71,325 for an exotic cow, and Rs. 70,825 for an indigenous cow.
The Pashu Kisan Credit Card Scheme is a beneficial program introduced by the Haryana government for farmers who own livestock. This scheme provides farmers with Pashu Kisan Credit Cards, allowing them to access loans for various purposes. However, it’s important for farmers to repay the borrowed amount within one year to benefit from a discounted 4% interest rate. If you’re a farmer interested in this scheme, you can learn about the application process and fill out the Pashu Kisan Credit Card application or registration form.
पशु किसान क्रेडिट कार्ड योजना एक कल्याणकारी योजना है जो हरियाणा सरकार द्वारा शुरू की गई है, जिसका उद्देश्य सभी पशुपालक किसानों के लिए आसान क्रेडिट उपलब्ध करवाना है। पशु किसान क्रेडिट कार्ड के साथ, किसान ऋण प्राप्त कर सकते हैं और पैसे को अपनी जरूरत के लिए इस्तेमाल कर सकते हैं, लेकिन उन्हें राशि को 1 वर्ष के भीतर वापस करना होगा ताकि उन्हें 4% ब्याज दर से लाभ हो सके। पशु किसान क्रेडिट कार्ड आवेदन और पंजीकरण फॉर्म भरने की प्रक्रिया नीचे दी गई है।
हरियाणा पशु किसान क्रेडिट कार्ड योजना 2024 – आवेदन
सभी पशु किसान क्रेडिट कार्ड, किसान क्रेडिट कार्ड की रूपरेखा पर आधारित होंगे। PKC स्कीम के तहत दी जाने वाली ऋण राशि पशुपालन को बढ़ावा देने का काम करेगी। इस योजना के तहत किसान मछली पालन, मुर्गा पालन, भेड़-बकरी पालन, गाय और भैंस पालन के लिए ऋण प्राप्त करेंगे। हरियाणा सरकार ने पहले ही गाय संरक्षण के लिए एक कड़ा कानून लाया है, अब यह देश का पहला राज्य होगा जो पशुपालक किसानों के लिए क्रेडिट कार्ड लॉन्च करेगा।
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वित्त वर्ष 2023-2024 के दौरान लगभग 10 लाख किसानों को पशु किसान क्रेडिट कार्ड मिल चुके हैं और क्रेडिट कार्ड का लाभ उठाने वाले किसानों की संख्या आने वाले वर्षों में बढ़ेगी। यहां हरियाणा में पशु किसान क्रेडिट कार्ड योजना की पूरी जानकारी है।
हरियाणा पशु किसान क्रेडिट कार्ड योजना ऑनलाइन पंजीकरण फॉर्म
हरियाणा में पशु किसान क्रेडिट कार्ड के लिए आवेदन/पंजीकरण फॉर्म भरने की पूरी प्रक्रिया नीचे दी हुई है।
हरियाणा में पशु किसान क्रेडिट कार्ड के लिए डेयरी मिल्क प्लांट्स पास आवेदन किया जा सकता है। इन डेयरी मिल्क प्लांट्स के पास राज्य भर में दूध जमा करने के साथ ही चिलिंग प्लांट्स भी हैं।
इन दूध संग्रह केंद्रों पर किसानों के पशु किसान क्रेडिट कार्ड के आवेदन पत्र को डेटा ऑपरेटर्स और पशुपालन विभाग के अधिकारी भरेंगे।
उसके बाद, “हर पशु का ज्ञान” ऐप से प्रत्येक डेयरी पशु के विवरण के साथ 1 फोटो को लिए जाएगा। इस एप्लिकेशन का पशुपालन जनगणना के लिए पशुपालन विभाग द्वारा पहले से ही इस्तेमाल किया गया है।
विवरणों के पूर्ण होने पर, विभाग बैंकों के साथ सम्पर्क करेगा ताकि पशु किसान क्रेडिट कार्ड जारी किए जा सकें और उन्हें अगले दिन ही पर ही मिलें।
हरियाणा में पशु किसान क्रेडिट कार्ड किसानों को सबसे अच्छा पोषण, जैसे कि क्षेत्रविशेष खनिज मिश्रण और पशुओं के लिए चटाई और पंखे प्रदान करने की क्षमता प्रदान करेंगे। इस योजना की उम्मीद है कि यह हरियाणा में एक गेम चेंजर बनेगी।
Haryana Pashu Kisan Credit Card Scheme Online Registration Form
Here is a simplified version of the procedure to fill out the application/registration form for the Pashu Kisan Credit Card in Haryana:
The Pashu Kisan Credit Card initiative in Haryana involves partnering with 24 dairy milk plants across the state. These plants are equipped with milk collection points and chilling centers.
At these milk collection centers, data operators and officials from the animal husbandry department will assist farmers in completing the Pashu Kisan Credit Card application form.
Using the “Har Pashu Ka Gyan” app, details of each dairy animal, along with a photograph, will be recorded. This app has previously been utilized by the animal husbandry department for a livestock census.
After collecting the necessary information, the department will collaborate with banks to ensure the issuance of Pashu Kisan Credit Cards. Farmers can expect to receive their cards the very next day at the milk collection points.
The Pashu Kisan Credit Cards in Haryana aim to empower farmers by providing essential nutrition, including region-specific mineral mixtures, and facilitating the acquisition of mats and fans for their animals. This scheme is anticipated to bring about significant positive changes in Haryana, allowing farmers to repay loans at their convenience and utilize funds more efficiently.
Haryana Pashu Kisan Credit Card Scheme Application Form at Banks
To obtain the Pashu Kisan Credit Card, follow these steps:
1. Visit your bank and request the Pashu Kisan Credit Card application form. You must submit this application directly at the bank.
2. Along with the application form, provide supporting documents such as your identity card, Aadhaar card, and a passport-sized photograph.
3. It’s important to note that this scheme is exclusive to residents of Haryana.
4. After submitting the application form and required documents, the bank will verify your details.
5. The Pashu Credit Card will be issued within a month after the verification process is completed.
For interested beneficiaries in Haryana, the key is to visit the nearest bank, complete the necessary paperwork, and undergo the Know Your Customer (KYC) process. Required documents for KYC include Aadhaar card, PAN card, Voter ID card, and a passport-sized photo. Once the KYC is completed and the application is verified, the Pashu Kisan Credit Card will be provided within a month.
Eligibility Criteria for Haryana Pashu Kisan Credit Card Scheme
The eligibility criteria for the Haryana Pashu Kisan Credit Card Scheme 2024 are as follows:
1. The applicant must be a permanent resident of Haryana State.
2. Farmers who own livestock are eligible to apply for the Pashu Kisan Credit Scheme in Haryana.
3. Essential documents, including Aadhar Card, PAN Card, Voter ID Card, mobile number, and a passport-size photograph, are required for the application process.
Get Loan Without Any Interest through Haryana Pashu Kisan Credit Card
The Haryana Pashu Kisan Credit Card scheme ensures that no interest will be charged on loans up to Rs. 1.6 lakh. Farmers will be provided loans under this scheme at a 7% interest rate. The central government will offer a 3% interest subsidy, and the Haryana state government will provide a rebate on the remaining 4%. As a result, the loans obtained under the PKCC Scheme will be interest-free. This scheme is open to all cattle rearers in Haryana, allowing them to benefit from the Pashu Kisan Credit Card Yojana.
Salient Features of Pashu Kisan Credit Card Scheme
The Pashu Kisan Credit Card Scheme operates like a revolving cash credit account, and any credit balance in the account earns interest at the savings bank rate.
Farmers can access credit amounts of Rs. 76,300 per Murrah buffalo, Rs. 71,325 per exotic cow, and Rs. 70,825 per indigenous cow through these credit cards.
With these Pashu Kisan credit cards, farmers have the flexibility to make purchases and spend money as needed.
The repayment period is 1 year to avail of a concessional 4% interest rate. If farmers fail to repay within this period, interest rates may increase, and they may be labeled as defaulters.
How to Get Loan under PKCC Scheme
Under this scheme, farmers are required to submit an affidavit to the Deputy Director of the Animal Husbandry and Dairy department. Additionally, farmers need to ensure their animals are insured, and a nominal fee of Rs. 100 is required for the insurance process.
Loan Details for Pashu Kisan Credit Card Scheme
In this program, the Haryana government provides loans of Rs. 40,783 to farmers who own a cow. These loans are disbursed through a credit card in six equal monthly installments of Rs. 6,797 each. Similarly, farmers with buffaloes can avail loans of up to Rs. 60,249. The borrowed amount must be repaid within one year with an annual interest rate of 4%. Farmers who repay their loans on time may receive additional benefits.
If a farmer applies for a loan exceeding Rs. 1.6 lakh through the Pashu Credit Card, the loan will be subject to the regular interest rate. In such cases, the farmer may need to provide collateral. However, prompt repayment within one year will make the farmer eligible for an interest rebate.
Understanding the repayment schedule for Haryana Pashu Kisan Credit Cards is straightforward. For example, if someone makes a diesel purchase of Rs. 4,000 on July 4, 2022, they must repay the amount by July 3, 2023. Similarly, if an individual buys a refrigerator or pays tuition fees amounting to Rs. 9,000 on August 9, 2022, they should return the money by August 8, 2023, to benefit from the concessional 4% interest rate.
The primary goal of Pashu Kisan Credit Cards is to liberate farmers from the clutches of money lenders and stimulate their spending. The Haryana state government aims to issue 10 lakh Pashu Kisan Credit Cards in the fiscal year 2022-23. This new credit facility will cater to the short-term credit needs of livestock rearing, as well as fish, shrimp, and other aquatic organisms.
Specific rates are fixed for various livestock, such as Rs. 92,800 for brackish water shrimp and Rs. 1.12 lakh for freshwater shrimp. These rates include feeding, labor, veterinary, and electricity supply costs. Haryana has around 89 lakh livestock and produces 44 lakh liters of milk daily. Approximately 29 lakh farming households rely on livestock for their daily income.
