For the existing KCC holders the benefits of interest subvention and prompt repayment incentive will be admissible up to the credit limit of Rs. 3 lakhs including fisheries activities.
In the case of new card holders, the credit limit is Rs. 2 lakhs to meet their working capital requirements for fisheries activities.
In the KCC scheme @7% is the lending rate to farmers including @2% interest subvention per annumby Govt. of India. Also, another @3% per annum is provided in case of prompt repayment as an additional incentive as per the existing guidelines.
This implies that the farmers repaying promptly as above would get a loan @ 4% per annum effectively for loan amount uptoRs 2 lakhs.
For availing the KCC, farmers can contact directly to bank or to concerned fisheries district office