हरियाणा सरकार अब पशु किसान क्रेडिट कार्ड स्कीम की करेगी शुरुआत, सभी किसान जिनके पास अपने पशु है वो आवेदन / पंजीकरण फॉर्म भर कर अप्लाई कर सकते हैं, जानिए पूरी जानकारी
Pashu Kisan Credit Card Scheme is a welfare scheme launched by the Haryana govt. for all the farmers with livestock. With Pashu Kisan Credit Cards, farmers can get loans and buy anything they need but must repay the money within 1 year to avail concessional 4% interest rate. Check the procedure of how to apply and fill Pashu Kisan Credit Cards application / 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।
वित्त वर्ष 2024-2025 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
Below is the complete procedure to fill application / registration form to apply for Pashu Kisan Credit Card in Haryana:-
- The implementation strategy for Pashu Kisan Credit Cards in Haryana involves tie-ups with 24 dairy milk plants. These dairy milk plants have milk collection points along with chilling centres across the state.
- The data operators and the officials of the animal husbandry department will get the Pashu Kisan Credit Card application form of farmers filled at these milk collection centres.
- Next, the details of each dairy animal would be picked along with 1 photograph from the “Har Pashu Ka Gyan” app. This app had been used by the department of animal husbandry for livestock census.
- On completion of details, department will follow up with the banks so that Pashu Kisan Credit Cards are issued and delivered to farmers the next day at milk collection point itself.
Pashu Kisan Credit Cards in Haryana are going to empower farmers to provide the best nutrition such as area specific mineral mixture and also get mats and fans for the animals. This scheme is expected to become a game changer in Haryana. The farmers would be able to make repayment whenever they have the money and to enable them to use funds efficiently.
Haryana Pashu Kisan Credit Card Scheme Application Form at Banks
To get Pashu Credit Card, go to your bank and apply for it. For this purpose, an application has to be submitted at the bank itself. Along with the Pashu Kisan Credit Card application form, documents like identity card, aadhaar card, passport size photograph will have to be submitted. It must be noted that this scheme is only for Haryana residents. After verifying the application form, your Pashu Credit Card will be sent in 1 month duration.
It is now clear that all those interested beneficiaries of Haryana state who want to get benefits of Pashu Kisan Credit Card Scheme are required to go to their nearest bank and apply. Before applying for Haryana Pashu Kisan Credit Card Yojana, you have to go to the bank with all your required documents. Application form has to be filled there. You have to get KYC done after filling the Pashu KCC form.
For KYC, farmers will have to provide Aadhaar card, PAN card, Voter ID card and passport size photo.To get the Kisan Credit Card for Pashu Loan Scheme. After obtaining the KYC from the bank and verification of the application form, you will get the Pashu Kisan credit card within 1 month.
Eligibility Criteria for Haryana Pashu Kisan Credit Card Scheme
Here is the complete eligibility criteria for Haryana Pashu Kisan Credit Card Scheme 2024:-
- Applicant should be a permanent resident of Haryana State
- Farmers owning livestock would be eligible for Pashu Kisan Credit Scheme in Haryana.
- Applicant’s Aadhar Card, PAN Card, Voter ID Card, mobile number, Passport size photograph is necessary to apply.
Get Loan Without Any Interest through Haryana Pashu Kisan Credit Card
Under Haryana Pashu Kisan Credit Card scheme, no interest will be charged on loans upto Rs. 1.6 lakh as mentioned above. The farmers will be given loans under Pashu Kisan Credit Card Scheme at 7% interest rate. Out of this, central govt. will provide 3% interest subsidy and Haryana state govt. will give rebate on remaining 4%. In this manner, the loan taken under PKCC Scheme will be without any interest. All the cattle rearers of Haryana can take advantage of Pashu Kisan Credit Card Yojana.
Salient Features of Pashu Kisan Credit Card Scheme
- Pashu Kisan Credit Card Scheme will be in the nature of revolving cash credit account. Credit balance in the account, if any, will fetch interest at Savings bank rate.
- Farmers would be able to get credit of Rs. 76,300 per Murrah buffalo, Rs. 71,325 per exotic cow and Rs. 70,825 per indigenous cow.
- With these Pashu Kisan credit card, farmers can purchase anything and can spend money anywhere.
- Repayment period is 1 year to get concessional 4% interest rate. Otherwise, the interest rates will go up and farmers become defaulters too.
How to Get Loan under PKCC Scheme
In this scheme, farmers will have to give an affidavit to the Deputy Director of Animal Husbandry and Dairy department. Before this, farmer will also have to get his animal insured. For this, only Rs. 100 have to be paid.
Loan Details for Pashu Kisan Credit Card Scheme
Under this scheme, Haryana govt. gives loans of Rs. 40,783 to farmer who owns a cow. The loans will be given to farmers through credit card in 6 equal installments (Rs. 6,797 per installment) every month. Similar to this, loan of upto Rs. 60,249 will be given to the farmers having a buffalo. The money will have to be returned within 1 year with an interest of 4% per annum. The farmers who repay their loan on time will get extra benefit.
In case farmer takes loan above Rs. 1.6 lakh through Pashu Credit Card, then he will get loan at the normal interest rate. For this loan, farmer will have to something on mortgage. Here too, if farmer pays loan amount within one year, he will get rebate on interest.
Haryana Pashu Kisan Credit Card Scheme Repayment Schedule
One can easily understand the repayment schedule of Haryana Pashu Kisan Credit Card. For eg, if anyone buys diesel worth Rs. 4000 on 4 July 2022, then he must repay money by 3 July 2023. Similar to this, if anyone buys a fridge or pays tuition fees worth Rs. 9000 on 9 August 2022, then he must return that amount before 8 August 2023 to avail concessional 4% interest rate.
The main aim of these Pashu Kisan Credit Cards is to free farmers from the debt trap of money lenders and to boost their consumption expenditure. The state govt. of Haryana issue 10 lakh Pashu Kisan Credit Cards in FY 2022-23. The new facility of Pashu Kisan Credit Cards would meet the short term credit requirements for rearing livestock as well as fish, shrimp and other aquatic organisms.
Similar to this, for brackish water shrimp, the rate is fixed at Rs. 92,800 while for freshwater shrimp, rate is fixed at Rs. 1.12 lakh. The state govt. has fixed this rate after including the feeding, labour, veterinary and electricity supply costs. Haryana govt. has approx. 89 lakh livestock and produces 44 lakh litres of milk per day. There are around 29 lakh farming households which depends on livestock for their daily income.