Deprecated (16384): The ArrayAccess methods will be removed in 4.0.0.Use getParam(), getData() and getQuery() instead. - /home/brlfuser/public_html/src/Controller/ArtileDetailController.php, line: 73
 You can disable deprecation warnings by setting `Error.errorLevel` to `E_ALL & ~E_USER_DEPRECATED` in your config/app.php. [CORE/src/Core/functions.php, line 311]
Code Context


        trigger_error($message, E_USER_DEPRECATED);

    }
$message = 'The ArrayAccess methods will be removed in 4.0.0.Use getParam(), getData() and getQuery() instead. - /home/brlfuser/public_html/src/Controller/ArtileDetailController.php, line: 73
 You can disable deprecation warnings by setting `Error.errorLevel` to `E_ALL & ~E_USER_DEPRECATED` in your config/app.php.'
$stackFrame = (int) 1
$trace = [
	(int) 0 => [
		'file' => '/home/brlfuser/public_html/vendor/cakephp/cakephp/src/Http/ServerRequest.php',
		'line' => (int) 2421,
		'function' => 'deprecationWarning',
		'args' => [
			(int) 0 => 'The ArrayAccess methods will be removed in 4.0.0.Use getParam(), getData() and getQuery() instead.'
		]
	],
	(int) 1 => [
		'file' => '/home/brlfuser/public_html/src/Controller/ArtileDetailController.php',
		'line' => (int) 73,
		'function' => 'offsetGet',
		'class' => 'Cake\Http\ServerRequest',
		'object' => object(Cake\Http\ServerRequest) {},
		'type' => '->',
		'args' => [
			(int) 0 => 'catslug'
		]
	],
	(int) 2 => [
		'file' => '/home/brlfuser/public_html/vendor/cakephp/cakephp/src/Controller/Controller.php',
		'line' => (int) 610,
		'function' => 'printArticle',
		'class' => 'App\Controller\ArtileDetailController',
		'object' => object(App\Controller\ArtileDetailController) {},
		'type' => '->',
		'args' => []
	],
	(int) 3 => [
		'file' => '/home/brlfuser/public_html/vendor/cakephp/cakephp/src/Http/ActionDispatcher.php',
		'line' => (int) 120,
		'function' => 'invokeAction',
		'class' => 'Cake\Controller\Controller',
		'object' => object(App\Controller\ArtileDetailController) {},
		'type' => '->',
		'args' => []
	],
	(int) 4 => [
		'file' => '/home/brlfuser/public_html/vendor/cakephp/cakephp/src/Http/ActionDispatcher.php',
		'line' => (int) 94,
		'function' => '_invoke',
		'class' => 'Cake\Http\ActionDispatcher',
		'object' => object(Cake\Http\ActionDispatcher) {},
		'type' => '->',
		'args' => [
			(int) 0 => object(App\Controller\ArtileDetailController) {}
		]
	],
	(int) 5 => [
		'file' => '/home/brlfuser/public_html/vendor/cakephp/cakephp/src/Http/BaseApplication.php',
		'line' => (int) 235,
		'function' => 'dispatch',
		'class' => 'Cake\Http\ActionDispatcher',
		'object' => object(Cake\Http\ActionDispatcher) {},
		'type' => '->',
		'args' => [
			(int) 0 => object(Cake\Http\ServerRequest) {},
			(int) 1 => object(Cake\Http\Response) {}
		]
	],
	(int) 6 => [
		'file' => '/home/brlfuser/public_html/vendor/cakephp/cakephp/src/Http/Runner.php',
		'line' => (int) 65,
		'function' => '__invoke',
		'class' => 'Cake\Http\BaseApplication',
		'object' => object(App\Application) {},
		'type' => '->',
		'args' => [
			(int) 0 => object(Cake\Http\ServerRequest) {},
			(int) 1 => object(Cake\Http\Response) {},
			(int) 2 => object(Cake\Http\Runner) {}
		]
	],
	(int) 7 => [
		'file' => '/home/brlfuser/public_html/vendor/cakephp/cakephp/src/Routing/Middleware/RoutingMiddleware.php',
		'line' => (int) 162,
		'function' => '__invoke',
		'class' => 'Cake\Http\Runner',
		'object' => object(Cake\Http\Runner) {},
		'type' => '->',
		'args' => [
			(int) 0 => object(Cake\Http\ServerRequest) {},
			(int) 1 => object(Cake\Http\Response) {}
		]
	],
	(int) 8 => [
		'file' => '/home/brlfuser/public_html/vendor/cakephp/cakephp/src/Http/Runner.php',
		'line' => (int) 65,
		'function' => '__invoke',
		'class' => 'Cake\Routing\Middleware\RoutingMiddleware',
		'object' => object(Cake\Routing\Middleware\RoutingMiddleware) {},
		'type' => '->',
		'args' => [
			(int) 0 => object(Cake\Http\ServerRequest) {},
			(int) 1 => object(Cake\Http\Response) {},
			(int) 2 => object(Cake\Http\Runner) {}
		]
	],
	(int) 9 => [
		'file' => '/home/brlfuser/public_html/vendor/cakephp/cakephp/src/Routing/Middleware/AssetMiddleware.php',
		'line' => (int) 88,
		'function' => '__invoke',
		'class' => 'Cake\Http\Runner',
		'object' => object(Cake\Http\Runner) {},
		'type' => '->',
		'args' => [
			(int) 0 => object(Cake\Http\ServerRequest) {},
			(int) 1 => object(Cake\Http\Response) {}
		]
	],
	(int) 10 => [
		'file' => '/home/brlfuser/public_html/vendor/cakephp/cakephp/src/Http/Runner.php',
		'line' => (int) 65,
		'function' => '__invoke',
		'class' => 'Cake\Routing\Middleware\AssetMiddleware',
		'object' => object(Cake\Routing\Middleware\AssetMiddleware) {},
		'type' => '->',
		'args' => [
			(int) 0 => object(Cake\Http\ServerRequest) {},
			(int) 1 => object(Cake\Http\Response) {},
			(int) 2 => object(Cake\Http\Runner) {}
		]
	],
	(int) 11 => [
		'file' => '/home/brlfuser/public_html/vendor/cakephp/cakephp/src/Error/Middleware/ErrorHandlerMiddleware.php',
		'line' => (int) 96,
		'function' => '__invoke',
		'class' => 'Cake\Http\Runner',
		'object' => object(Cake\Http\Runner) {},
		'type' => '->',
		'args' => [
			(int) 0 => object(Cake\Http\ServerRequest) {},
			(int) 1 => object(Cake\Http\Response) {}
		]
	],
	(int) 12 => [
		'file' => '/home/brlfuser/public_html/vendor/cakephp/cakephp/src/Http/Runner.php',
		'line' => (int) 65,
		'function' => '__invoke',
		'class' => 'Cake\Error\Middleware\ErrorHandlerMiddleware',
		'object' => object(Cake\Error\Middleware\ErrorHandlerMiddleware) {},
		'type' => '->',
		'args' => [
			(int) 0 => object(Cake\Http\ServerRequest) {},
			(int) 1 => object(Cake\Http\Response) {},
			(int) 2 => object(Cake\Http\Runner) {}
		]
	],
	(int) 13 => [
		'file' => '/home/brlfuser/public_html/vendor/cakephp/cakephp/src/Http/Runner.php',
		'line' => (int) 51,
		'function' => '__invoke',
		'class' => 'Cake\Http\Runner',
		'object' => object(Cake\Http\Runner) {},
		'type' => '->',
		'args' => [
			(int) 0 => object(Cake\Http\ServerRequest) {},
			(int) 1 => object(Cake\Http\Response) {}
		]
	],
	(int) 14 => [
		'file' => '/home/brlfuser/public_html/vendor/cakephp/cakephp/src/Http/Server.php',
		'line' => (int) 98,
		'function' => 'run',
		'class' => 'Cake\Http\Runner',
		'object' => object(Cake\Http\Runner) {},
		'type' => '->',
		'args' => [
			(int) 0 => object(Cake\Http\MiddlewareQueue) {},
			(int) 1 => object(Cake\Http\ServerRequest) {},
			(int) 2 => object(Cake\Http\Response) {}
		]
	],
	(int) 15 => [
		'file' => '/home/brlfuser/public_html/webroot/index.php',
		'line' => (int) 39,
		'function' => 'run',
		'class' => 'Cake\Http\Server',
		'object' => object(Cake\Http\Server) {},
		'type' => '->',
		'args' => []
	]
]
$frame = [
	'file' => '/home/brlfuser/public_html/src/Controller/ArtileDetailController.php',
	'line' => (int) 73,
	'function' => 'offsetGet',
	'class' => 'Cake\Http\ServerRequest',
	'object' => object(Cake\Http\ServerRequest) {
		trustProxy => false
		[protected] params => [
			[maximum depth reached]
		]
		[protected] data => [[maximum depth reached]]
		[protected] query => [[maximum depth reached]]
		[protected] cookies => [
			[maximum depth reached]
		]
		[protected] _environment => [
			[maximum depth reached]
		]
		[protected] url => 'latest-news-updates/kisan-credit-card-allowing-easy-credit-access-to-farmers-by-ankit-sharma-6158/print'
		[protected] base => ''
		[protected] webroot => '/'
		[protected] here => '/latest-news-updates/kisan-credit-card-allowing-easy-credit-access-to-farmers-by-ankit-sharma-6158/print'
		[protected] trustedProxies => [[maximum depth reached]]
		[protected] _input => null
		[protected] _detectors => [
			[maximum depth reached]
		]
		[protected] _detectorCache => [
			[maximum depth reached]
		]
		[protected] stream => object(Zend\Diactoros\PhpInputStream) {}
		[protected] uri => object(Zend\Diactoros\Uri) {}
		[protected] session => object(Cake\Http\Session) {}
		[protected] attributes => [[maximum depth reached]]
		[protected] emulatedAttributes => [
			[maximum depth reached]
		]
		[protected] uploadedFiles => [[maximum depth reached]]
		[protected] protocol => null
		[protected] requestTarget => null
		[private] deprecatedProperties => [
			[maximum depth reached]
		]
	},
	'type' => '->',
	'args' => [
		(int) 0 => 'catslug'
	]
]
deprecationWarning - CORE/src/Core/functions.php, line 311
Cake\Http\ServerRequest::offsetGet() - CORE/src/Http/ServerRequest.php, line 2421
App\Controller\ArtileDetailController::printArticle() - APP/Controller/ArtileDetailController.php, line 73
Cake\Controller\Controller::invokeAction() - CORE/src/Controller/Controller.php, line 610
Cake\Http\ActionDispatcher::_invoke() - CORE/src/Http/ActionDispatcher.php, line 120
Cake\Http\ActionDispatcher::dispatch() - CORE/src/Http/ActionDispatcher.php, line 94
Cake\Http\BaseApplication::__invoke() - CORE/src/Http/BaseApplication.php, line 235
Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
Cake\Routing\Middleware\RoutingMiddleware::__invoke() - CORE/src/Routing/Middleware/RoutingMiddleware.php, line 162
Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
Cake\Routing\Middleware\AssetMiddleware::__invoke() - CORE/src/Routing/Middleware/AssetMiddleware.php, line 88
Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
Cake\Error\Middleware\ErrorHandlerMiddleware::__invoke() - CORE/src/Error/Middleware/ErrorHandlerMiddleware.php, line 96
Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
Cake\Http\Runner::run() - CORE/src/Http/Runner.php, line 51
Cake\Http\Server::run() - CORE/src/Http/Server.php, line 98

Deprecated (16384): The ArrayAccess methods will be removed in 4.0.0.Use getParam(), getData() and getQuery() instead. - /home/brlfuser/public_html/src/Controller/ArtileDetailController.php, line: 74
 You can disable deprecation warnings by setting `Error.errorLevel` to `E_ALL & ~E_USER_DEPRECATED` in your config/app.php. [CORE/src/Core/functions.php, line 311]
Code Context


        trigger_error($message, E_USER_DEPRECATED);

    }
$message = 'The ArrayAccess methods will be removed in 4.0.0.Use getParam(), getData() and getQuery() instead. - /home/brlfuser/public_html/src/Controller/ArtileDetailController.php, line: 74
 You can disable deprecation warnings by setting `Error.errorLevel` to `E_ALL & ~E_USER_DEPRECATED` in your config/app.php.'
$stackFrame = (int) 1
$trace = [
	(int) 0 => [
		'file' => '/home/brlfuser/public_html/vendor/cakephp/cakephp/src/Http/ServerRequest.php',
		'line' => (int) 2421,
		'function' => 'deprecationWarning',
		'args' => [
			(int) 0 => 'The ArrayAccess methods will be removed in 4.0.0.Use getParam(), getData() and getQuery() instead.'
		]
	],
	(int) 1 => [
		'file' => '/home/brlfuser/public_html/src/Controller/ArtileDetailController.php',
		'line' => (int) 74,
		'function' => 'offsetGet',
		'class' => 'Cake\Http\ServerRequest',
		'object' => object(Cake\Http\ServerRequest) {},
		'type' => '->',
		'args' => [
			(int) 0 => 'artileslug'
		]
	],
	(int) 2 => [
		'file' => '/home/brlfuser/public_html/vendor/cakephp/cakephp/src/Controller/Controller.php',
		'line' => (int) 610,
		'function' => 'printArticle',
		'class' => 'App\Controller\ArtileDetailController',
		'object' => object(App\Controller\ArtileDetailController) {},
		'type' => '->',
		'args' => []
	],
	(int) 3 => [
		'file' => '/home/brlfuser/public_html/vendor/cakephp/cakephp/src/Http/ActionDispatcher.php',
		'line' => (int) 120,
		'function' => 'invokeAction',
		'class' => 'Cake\Controller\Controller',
		'object' => object(App\Controller\ArtileDetailController) {},
		'type' => '->',
		'args' => []
	],
	(int) 4 => [
		'file' => '/home/brlfuser/public_html/vendor/cakephp/cakephp/src/Http/ActionDispatcher.php',
		'line' => (int) 94,
		'function' => '_invoke',
		'class' => 'Cake\Http\ActionDispatcher',
		'object' => object(Cake\Http\ActionDispatcher) {},
		'type' => '->',
		'args' => [
			(int) 0 => object(App\Controller\ArtileDetailController) {}
		]
	],
	(int) 5 => [
		'file' => '/home/brlfuser/public_html/vendor/cakephp/cakephp/src/Http/BaseApplication.php',
		'line' => (int) 235,
		'function' => 'dispatch',
		'class' => 'Cake\Http\ActionDispatcher',
		'object' => object(Cake\Http\ActionDispatcher) {},
		'type' => '->',
		'args' => [
			(int) 0 => object(Cake\Http\ServerRequest) {},
			(int) 1 => object(Cake\Http\Response) {}
		]
	],
	(int) 6 => [
		'file' => '/home/brlfuser/public_html/vendor/cakephp/cakephp/src/Http/Runner.php',
		'line' => (int) 65,
		'function' => '__invoke',
		'class' => 'Cake\Http\BaseApplication',
		'object' => object(App\Application) {},
		'type' => '->',
		'args' => [
			(int) 0 => object(Cake\Http\ServerRequest) {},
			(int) 1 => object(Cake\Http\Response) {},
			(int) 2 => object(Cake\Http\Runner) {}
		]
	],
	(int) 7 => [
		'file' => '/home/brlfuser/public_html/vendor/cakephp/cakephp/src/Routing/Middleware/RoutingMiddleware.php',
		'line' => (int) 162,
		'function' => '__invoke',
		'class' => 'Cake\Http\Runner',
		'object' => object(Cake\Http\Runner) {},
		'type' => '->',
		'args' => [
			(int) 0 => object(Cake\Http\ServerRequest) {},
			(int) 1 => object(Cake\Http\Response) {}
		]
	],
	(int) 8 => [
		'file' => '/home/brlfuser/public_html/vendor/cakephp/cakephp/src/Http/Runner.php',
		'line' => (int) 65,
		'function' => '__invoke',
		'class' => 'Cake\Routing\Middleware\RoutingMiddleware',
		'object' => object(Cake\Routing\Middleware\RoutingMiddleware) {},
		'type' => '->',
		'args' => [
			(int) 0 => object(Cake\Http\ServerRequest) {},
			(int) 1 => object(Cake\Http\Response) {},
			(int) 2 => object(Cake\Http\Runner) {}
		]
	],
	(int) 9 => [
		'file' => '/home/brlfuser/public_html/vendor/cakephp/cakephp/src/Routing/Middleware/AssetMiddleware.php',
		'line' => (int) 88,
		'function' => '__invoke',
		'class' => 'Cake\Http\Runner',
		'object' => object(Cake\Http\Runner) {},
		'type' => '->',
		'args' => [
			(int) 0 => object(Cake\Http\ServerRequest) {},
			(int) 1 => object(Cake\Http\Response) {}
		]
	],
	(int) 10 => [
		'file' => '/home/brlfuser/public_html/vendor/cakephp/cakephp/src/Http/Runner.php',
		'line' => (int) 65,
		'function' => '__invoke',
		'class' => 'Cake\Routing\Middleware\AssetMiddleware',
		'object' => object(Cake\Routing\Middleware\AssetMiddleware) {},
		'type' => '->',
		'args' => [
			(int) 0 => object(Cake\Http\ServerRequest) {},
			(int) 1 => object(Cake\Http\Response) {},
			(int) 2 => object(Cake\Http\Runner) {}
		]
	],
	(int) 11 => [
		'file' => '/home/brlfuser/public_html/vendor/cakephp/cakephp/src/Error/Middleware/ErrorHandlerMiddleware.php',
		'line' => (int) 96,
		'function' => '__invoke',
		'class' => 'Cake\Http\Runner',
		'object' => object(Cake\Http\Runner) {},
		'type' => '->',
		'args' => [
			(int) 0 => object(Cake\Http\ServerRequest) {},
			(int) 1 => object(Cake\Http\Response) {}
		]
	],
	(int) 12 => [
		'file' => '/home/brlfuser/public_html/vendor/cakephp/cakephp/src/Http/Runner.php',
		'line' => (int) 65,
		'function' => '__invoke',
		'class' => 'Cake\Error\Middleware\ErrorHandlerMiddleware',
		'object' => object(Cake\Error\Middleware\ErrorHandlerMiddleware) {},
		'type' => '->',
		'args' => [
			(int) 0 => object(Cake\Http\ServerRequest) {},
			(int) 1 => object(Cake\Http\Response) {},
			(int) 2 => object(Cake\Http\Runner) {}
		]
	],
	(int) 13 => [
		'file' => '/home/brlfuser/public_html/vendor/cakephp/cakephp/src/Http/Runner.php',
		'line' => (int) 51,
		'function' => '__invoke',
		'class' => 'Cake\Http\Runner',
		'object' => object(Cake\Http\Runner) {},
		'type' => '->',
		'args' => [
			(int) 0 => object(Cake\Http\ServerRequest) {},
			(int) 1 => object(Cake\Http\Response) {}
		]
	],
	(int) 14 => [
		'file' => '/home/brlfuser/public_html/vendor/cakephp/cakephp/src/Http/Server.php',
		'line' => (int) 98,
		'function' => 'run',
		'class' => 'Cake\Http\Runner',
		'object' => object(Cake\Http\Runner) {},
		'type' => '->',
		'args' => [
			(int) 0 => object(Cake\Http\MiddlewareQueue) {},
			(int) 1 => object(Cake\Http\ServerRequest) {},
			(int) 2 => object(Cake\Http\Response) {}
		]
	],
	(int) 15 => [
		'file' => '/home/brlfuser/public_html/webroot/index.php',
		'line' => (int) 39,
		'function' => 'run',
		'class' => 'Cake\Http\Server',
		'object' => object(Cake\Http\Server) {},
		'type' => '->',
		'args' => []
	]
]
$frame = [
	'file' => '/home/brlfuser/public_html/src/Controller/ArtileDetailController.php',
	'line' => (int) 74,
	'function' => 'offsetGet',
	'class' => 'Cake\Http\ServerRequest',
	'object' => object(Cake\Http\ServerRequest) {
		trustProxy => false
		[protected] params => [
			[maximum depth reached]
		]
		[protected] data => [[maximum depth reached]]
		[protected] query => [[maximum depth reached]]
		[protected] cookies => [
			[maximum depth reached]
		]
		[protected] _environment => [
			[maximum depth reached]
		]
		[protected] url => 'latest-news-updates/kisan-credit-card-allowing-easy-credit-access-to-farmers-by-ankit-sharma-6158/print'
		[protected] base => ''
		[protected] webroot => '/'
		[protected] here => '/latest-news-updates/kisan-credit-card-allowing-easy-credit-access-to-farmers-by-ankit-sharma-6158/print'
		[protected] trustedProxies => [[maximum depth reached]]
		[protected] _input => null
		[protected] _detectors => [
			[maximum depth reached]
		]
		[protected] _detectorCache => [
			[maximum depth reached]
		]
		[protected] stream => object(Zend\Diactoros\PhpInputStream) {}
		[protected] uri => object(Zend\Diactoros\Uri) {}
		[protected] session => object(Cake\Http\Session) {}
		[protected] attributes => [[maximum depth reached]]
		[protected] emulatedAttributes => [
			[maximum depth reached]
		]
		[protected] uploadedFiles => [[maximum depth reached]]
		[protected] protocol => null
		[protected] requestTarget => null
		[private] deprecatedProperties => [
			[maximum depth reached]
		]
	},
	'type' => '->',
	'args' => [
		(int) 0 => 'artileslug'
	]
]
deprecationWarning - CORE/src/Core/functions.php, line 311
Cake\Http\ServerRequest::offsetGet() - CORE/src/Http/ServerRequest.php, line 2421
App\Controller\ArtileDetailController::printArticle() - APP/Controller/ArtileDetailController.php, line 74
Cake\Controller\Controller::invokeAction() - CORE/src/Controller/Controller.php, line 610
Cake\Http\ActionDispatcher::_invoke() - CORE/src/Http/ActionDispatcher.php, line 120
Cake\Http\ActionDispatcher::dispatch() - CORE/src/Http/ActionDispatcher.php, line 94
Cake\Http\BaseApplication::__invoke() - CORE/src/Http/BaseApplication.php, line 235
Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
Cake\Routing\Middleware\RoutingMiddleware::__invoke() - CORE/src/Routing/Middleware/RoutingMiddleware.php, line 162
Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
Cake\Routing\Middleware\AssetMiddleware::__invoke() - CORE/src/Routing/Middleware/AssetMiddleware.php, line 88
Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
Cake\Error\Middleware\ErrorHandlerMiddleware::__invoke() - CORE/src/Error/Middleware/ErrorHandlerMiddleware.php, line 96
Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
Cake\Http\Runner::run() - CORE/src/Http/Runner.php, line 51
Cake\Http\Server::run() - CORE/src/Http/Server.php, line 98

Warning (512): Unable to emit headers. Headers sent in file=/home/brlfuser/public_html/vendor/cakephp/cakephp/src/Error/Debugger.php line=853 [CORE/src/Http/ResponseEmitter.php, line 48]
Code Context
            if (Configure::read('debug')) {

                trigger_error($message, E_USER_WARNING);

            } else {
$response = object(Cake\Http\Response) {

	'status' => (int) 200,
	'contentType' => 'text/html',
	'headers' => [
		'Content-Type' => [
			[maximum depth reached]
		]
	],
	'file' => null,
	'fileRange' => [],
	'cookies' => object(Cake\Http\Cookie\CookieCollection) {},
	'cacheDirectives' => [],
	'body' => '<!DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN"
        "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd">
<html xmlns="http://www.w3.org/1999/xhtml">
<head>
    <link rel="canonical" href="https://im4change.in/<pre class="cake-error"><a href="javascript:void(0);" onclick="document.getElementById('cakeErr6800d8ec70776-trace').style.display = (document.getElementById('cakeErr6800d8ec70776-trace').style.display == 'none' ? '' : 'none');"><b>Notice</b> (8)</a>: Undefined variable: urlPrefix [<b>APP/Template/Layout/printlayout.ctp</b>, line <b>8</b>]<div id="cakeErr6800d8ec70776-trace" class="cake-stack-trace" style="display: none;"><a href="javascript:void(0);" onclick="document.getElementById('cakeErr6800d8ec70776-code').style.display = (document.getElementById('cakeErr6800d8ec70776-code').style.display == 'none' ? '' : 'none')">Code</a> <a href="javascript:void(0);" onclick="document.getElementById('cakeErr6800d8ec70776-context').style.display = (document.getElementById('cakeErr6800d8ec70776-context').style.display == 'none' ? '' : 'none')">Context</a><pre id="cakeErr6800d8ec70776-code" class="cake-code-dump" style="display: none;"><code><span style="color: #000000"><span style="color: #0000BB"></span><span style="color: #007700">&lt;</span><span style="color: #0000BB">head</span><span style="color: #007700">&gt;
</span></span></code>
<span class="code-highlight"><code><span style="color: #000000">&nbsp;&nbsp;&nbsp;&nbsp;&lt;link&nbsp;rel="canonical"&nbsp;href="<span style="color: #0000BB">&lt;?php&nbsp;</span><span style="color: #007700">echo&nbsp;</span><span style="color: #0000BB">Configure</span><span style="color: #007700">::</span><span style="color: #0000BB">read</span><span style="color: #007700">(</span><span style="color: #DD0000">'SITE_URL'</span><span style="color: #007700">);&nbsp;</span><span style="color: #0000BB">?&gt;&lt;?php&nbsp;</span><span style="color: #007700">echo&nbsp;</span><span style="color: #0000BB">$urlPrefix</span><span style="color: #007700">;</span><span style="color: #0000BB">?&gt;&lt;?php&nbsp;</span><span style="color: #007700">echo&nbsp;</span><span style="color: #0000BB">$article_current</span><span style="color: #007700">-&gt;</span><span style="color: #0000BB">category</span><span style="color: #007700">-&gt;</span><span style="color: #0000BB">slug</span><span style="color: #007700">;&nbsp;</span><span style="color: #0000BB">?&gt;</span>/<span style="color: #0000BB">&lt;?php&nbsp;</span><span style="color: #007700">echo&nbsp;</span><span style="color: #0000BB">$article_current</span><span style="color: #007700">-&gt;</span><span style="color: #0000BB">seo_url</span><span style="color: #007700">;&nbsp;</span><span style="color: #0000BB">?&gt;</span>.html"/&gt;
</span></code></span>
<code><span style="color: #000000"><span style="color: #0000BB">&nbsp;&nbsp;&nbsp;&nbsp;</span><span style="color: #007700">&lt;</span><span style="color: #0000BB">meta&nbsp;http</span><span style="color: #007700">-</span><span style="color: #0000BB">equiv</span><span style="color: #007700">=</span><span style="color: #DD0000">"Content-Type"&nbsp;</span><span style="color: #0000BB">content</span><span style="color: #007700">=</span><span style="color: #DD0000">"text/html;&nbsp;charset=utf-8"</span><span style="color: #007700">/&gt;
</span></span></code></pre><pre id="cakeErr6800d8ec70776-context" class="cake-context" style="display: none;">$viewFile = &#039;/home/brlfuser/public_html/src/Template/Layout/printlayout.ctp&#039;
$dataForView = [
	&#039;article_current&#039; =&gt; object(App\Model\Entity\Article) {

		&#039;id&#039; =&gt; (int) 6064,
		&#039;title&#039; =&gt; &#039;Kisan Credit Card: Allowing easy credit access to farmers by Ankit Sharma&#039;,
		&#039;subheading&#039; =&gt; &#039;&#039;,
		&#039;description&#039; =&gt; &#039;&lt;div align=&quot;justify&quot;&gt;
Non availability of timely credit has been a major drawback for the agricultural sector of India. In a country which relies mostly on agriculture, constant endeavors are needed to see that rural and agricultural credit facilities are enhanced with time. As a part of these efforts, agricultural credit cards got introduced in the agricultural lending system. Similarly cash credit facility was also being offered by many banks.&lt;br /&gt;
&lt;br /&gt;
However, a major shortfall in these schemes remained the fact that they were concentrated mainly to the niche segment. The farmers lying in the higher end of the pyramid received access to these schemes while the marginal and small ones still remained unprivileged. The inability of these schemes to market themselves in mass scale led to the establishment of Kisan Credit Card (KCC) scheme.&lt;br /&gt;
&lt;br /&gt;
The KCC scheme was formulated by Government of India (GOI) after consultation with Reserve Bank of India (RBI) and National Bank for Agricultural and Rural Development (NABARD). The Union Budget of 1998-99 announced the idea to develop a model scheme for issuing Kisan Credit Cards to farmers. The scheme was circulated to commercial banks by RBI and cooperative banks by NABARD.&lt;br /&gt;
&lt;br /&gt;
The major objective behind setting up of the scheme was to allow for adequate and timely support to farmers in agricultural activities by banks in a cost effective manner.&lt;br /&gt;
&lt;br /&gt;
&lt;strong&gt;&lt;em&gt;Features of Kisan Credit Cards:&lt;br /&gt;
&lt;/em&gt;&lt;/strong&gt;
&lt;/div&gt;
&lt;div align=&quot;justify&quot;&gt;
&amp;nbsp;
&lt;/div&gt;
&lt;div align=&quot;justify&quot;&gt;
1.The card has been designed with the aim to provide benefits to farmers in meeting production and cultivation expenses as well as act as a cushion in case of contingencies.&lt;br /&gt;
&lt;br /&gt;
2.A credit cum passbook is also provided with KCC to the farmer.&lt;br /&gt;
&lt;br /&gt;
3.It offers revolving credit facility thereby allowing unlimited withdrawal as well as repayment within the pre designated limit.&lt;br /&gt;
&lt;br /&gt;
4.The card has a repayment period of 12 months. This means every withdrawal made has to be repaid in 12 months time.&lt;br /&gt;
&lt;br /&gt;
5.The validity of the card lies for 3 years subject to annual review.&lt;br /&gt;
&lt;br /&gt;
6.Credit limit has the option to be enhanced on need and performance basis.&lt;br /&gt;
&lt;br /&gt;
7.Rescheduling/conversion of loans is possible in case of genuine situations like natural calamities.&lt;br /&gt;
&lt;br /&gt;
8.Personal Accident Insurance up to Rs.50, 000 is offered to the card holder under Personal Accident Insurance Scheme (PAIS).&lt;br /&gt;
&lt;br /&gt;
In order to be eligible for a KCC, the farmer must have good track record for atleast two previous years. In case of new borrowers a proof of operational land holding is necessary. Furthermore the farmer&#039;s reputation in the village also plays an important role in defining his eligibility for KCC.&lt;br /&gt;
&lt;br /&gt;
Credit limit of the card varies from one card holder to another. It depends on the operational land holding and the type of crops desired to be grown and the pattern of cropping too. The scale of finance is usually recommended by District Level Technical Committee (DLTC)/State Level Technical Committee (SLTC). In case the scale has not been recommended, banks are allowed to set the scale of finance.&lt;br /&gt;
&lt;br /&gt;
Recently it was proposed to banks by the finance ministry that the credit limit on collateral free credit under KCC should be increased in a bid to hike the agricultural credit.&lt;br /&gt;
&lt;br /&gt;
The rate of interest as well as collateral needed and margin amount is decided by banks as per norms set by RBI. Rate of interest is subject to change from time to time depending upon the notification from the authorities.&lt;br /&gt;
&lt;br /&gt;
&lt;strong&gt;&lt;em&gt;Advantages of KCC to the farmer:&lt;br /&gt;
&lt;/em&gt;&lt;/strong&gt;&lt;br /&gt;
1.Availability of adequate as well as timely credit facility.&lt;br /&gt;
&lt;br /&gt;
2.It offers farmers not only access to credit but also the discretion to decide upon the utilization of credit.&lt;br /&gt;
&lt;br /&gt;
3.Since repayment is fixed on annual basis, therefore credit requirement of the farmer is taken care of for the entire year.&lt;br /&gt;
&lt;br /&gt;
4.Opportunity to make unlimited withdrawals and repayments within the set credit limit.&lt;br /&gt;
&lt;br /&gt;
5.Personal accident cover offered is an added advantage to farmers.&lt;br /&gt;
&lt;br /&gt;
&lt;strong&gt;&lt;em&gt;Pitfalls in the scheme:&lt;br /&gt;
&lt;/em&gt;&lt;/strong&gt;&lt;br /&gt;
1.Lack of awareness and education amongst farmers to understand the positive aspects of the scheme.&lt;br /&gt;
&lt;br /&gt;
2.Adequate credit requirements of the farmers has been found not met as envisaged in the plan.&lt;br /&gt;
&lt;br /&gt;
3.The documentation process for the scheme has been found to be a cause of concern for farmers sometimes.&lt;br /&gt;
&lt;br /&gt;
&lt;/div&gt;&#039;,
		&#039;credit_writer&#039; =&gt; &#039;RupeeTimes.com, February, 2011, http://www.rupeetimes.com/article/credit_cards/kisan_credit_card_allowing_easy_credit_access_to_farmers_4964.html&#039;,
		&#039;article_img&#039; =&gt; &#039;&#039;,
		&#039;article_img_thumb&#039; =&gt; &#039;&#039;,
		&#039;status&#039; =&gt; (int) 1,
		&#039;show_on_home&#039; =&gt; (int) 1,
		&#039;lang&#039; =&gt; &#039;EN&#039;,
		&#039;category_id&#039; =&gt; (int) 16,
		&#039;tag_keyword&#039; =&gt; &#039;&#039;,
		&#039;seo_url&#039; =&gt; &#039;kisan-credit-card-allowing-easy-credit-access-to-farmers-by-ankit-sharma-6158&#039;,
		&#039;meta_title&#039; =&gt; null,
		&#039;meta_keywords&#039; =&gt; null,
		&#039;meta_description&#039; =&gt; null,
		&#039;noindex&#039; =&gt; (int) 0,
		&#039;publish_date&#039; =&gt; object(Cake\I18n\FrozenDate) {},
		&#039;most_visit_section_id&#039; =&gt; null,
		&#039;article_big_img&#039; =&gt; null,
		&#039;liveid&#039; =&gt; (int) 6158,
		&#039;created&#039; =&gt; object(Cake\I18n\FrozenTime) {},
		&#039;modified&#039; =&gt; object(Cake\I18n\FrozenTime) {},
		&#039;edate&#039; =&gt; &#039;&#039;,
		&#039;tags&#039; =&gt; [
			[maximum depth reached]
		],
		&#039;category&#039; =&gt; object(App\Model\Entity\Category) {},
		&#039;[new]&#039; =&gt; false,
		&#039;[accessible]&#039; =&gt; [
			[maximum depth reached]
		],
		&#039;[dirty]&#039; =&gt; [[maximum depth reached]],
		&#039;[original]&#039; =&gt; [[maximum depth reached]],
		&#039;[virtual]&#039; =&gt; [[maximum depth reached]],
		&#039;[hasErrors]&#039; =&gt; false,
		&#039;[errors]&#039; =&gt; [[maximum depth reached]],
		&#039;[invalid]&#039; =&gt; [[maximum depth reached]],
		&#039;[repository]&#039; =&gt; &#039;Articles&#039;
	
	},
	&#039;articleid&#039; =&gt; (int) 6064,
	&#039;metaTitle&#039; =&gt; &#039;LATEST NEWS UPDATES | Kisan Credit Card: Allowing easy credit access to farmers by Ankit Sharma&#039;,
	&#039;metaKeywords&#039; =&gt; &#039;Agriculture&#039;,
	&#039;metaDesc&#039; =&gt; &#039;
Non availability of timely credit has been a major drawback for the agricultural sector of India. In a country which relies mostly on agriculture, constant endeavors are needed to see that rural and agricultural credit facilities are enhanced with time....&#039;,
	&#039;disp&#039; =&gt; &#039;&lt;div align=&quot;justify&quot;&gt;Non availability of timely credit has been a major drawback for the agricultural sector of India. In a country which relies mostly on agriculture, constant endeavors are needed to see that rural and agricultural credit facilities are enhanced with time. As a part of these efforts, agricultural credit cards got introduced in the agricultural lending system. Similarly cash credit facility was also being offered by many banks.&lt;br /&gt;&lt;br /&gt;However, a major shortfall in these schemes remained the fact that they were concentrated mainly to the niche segment. The farmers lying in the higher end of the pyramid received access to these schemes while the marginal and small ones still remained unprivileged. The inability of these schemes to market themselves in mass scale led to the establishment of Kisan Credit Card (KCC) scheme.&lt;br /&gt;&lt;br /&gt;The KCC scheme was formulated by Government of India (GOI) after consultation with Reserve Bank of India (RBI) and National Bank for Agricultural and Rural Development (NABARD). The Union Budget of 1998-99 announced the idea to develop a model scheme for issuing Kisan Credit Cards to farmers. The scheme was circulated to commercial banks by RBI and cooperative banks by NABARD.&lt;br /&gt;&lt;br /&gt;The major objective behind setting up of the scheme was to allow for adequate and timely support to farmers in agricultural activities by banks in a cost effective manner.&lt;br /&gt;&lt;br /&gt;&lt;strong&gt;&lt;em&gt;Features of Kisan Credit Cards:&lt;br /&gt;&lt;/em&gt;&lt;/strong&gt;&lt;/div&gt;&lt;div align=&quot;justify&quot;&gt;&amp;nbsp;&lt;/div&gt;&lt;div align=&quot;justify&quot;&gt;1.The card has been designed with the aim to provide benefits to farmers in meeting production and cultivation expenses as well as act as a cushion in case of contingencies.&lt;br /&gt;&lt;br /&gt;2.A credit cum passbook is also provided with KCC to the farmer.&lt;br /&gt;&lt;br /&gt;3.It offers revolving credit facility thereby allowing unlimited withdrawal as well as repayment within the pre designated limit.&lt;br /&gt;&lt;br /&gt;4.The card has a repayment period of 12 months. This means every withdrawal made has to be repaid in 12 months time.&lt;br /&gt;&lt;br /&gt;5.The validity of the card lies for 3 years subject to annual review.&lt;br /&gt;&lt;br /&gt;6.Credit limit has the option to be enhanced on need and performance basis.&lt;br /&gt;&lt;br /&gt;7.Rescheduling/conversion of loans is possible in case of genuine situations like natural calamities.&lt;br /&gt;&lt;br /&gt;8.Personal Accident Insurance up to Rs.50, 000 is offered to the card holder under Personal Accident Insurance Scheme (PAIS).&lt;br /&gt;&lt;br /&gt;In order to be eligible for a KCC, the farmer must have good track record for atleast two previous years. In case of new borrowers a proof of operational land holding is necessary. Furthermore the farmer&#039;s reputation in the village also plays an important role in defining his eligibility for KCC.&lt;br /&gt;&lt;br /&gt;Credit limit of the card varies from one card holder to another. It depends on the operational land holding and the type of crops desired to be grown and the pattern of cropping too. The scale of finance is usually recommended by District Level Technical Committee (DLTC)/State Level Technical Committee (SLTC). In case the scale has not been recommended, banks are allowed to set the scale of finance.&lt;br /&gt;&lt;br /&gt;Recently it was proposed to banks by the finance ministry that the credit limit on collateral free credit under KCC should be increased in a bid to hike the agricultural credit.&lt;br /&gt;&lt;br /&gt;The rate of interest as well as collateral needed and margin amount is decided by banks as per norms set by RBI. Rate of interest is subject to change from time to time depending upon the notification from the authorities.&lt;br /&gt;&lt;br /&gt;&lt;strong&gt;&lt;em&gt;Advantages of KCC to the farmer:&lt;br /&gt;&lt;/em&gt;&lt;/strong&gt;&lt;br /&gt;1.Availability of adequate as well as timely credit facility.&lt;br /&gt;&lt;br /&gt;2.It offers farmers not only access to credit but also the discretion to decide upon the utilization of credit.&lt;br /&gt;&lt;br /&gt;3.Since repayment is fixed on annual basis, therefore credit requirement of the farmer is taken care of for the entire year.&lt;br /&gt;&lt;br /&gt;4.Opportunity to make unlimited withdrawals and repayments within the set credit limit.&lt;br /&gt;&lt;br /&gt;5.Personal accident cover offered is an added advantage to farmers.&lt;br /&gt;&lt;br /&gt;&lt;strong&gt;&lt;em&gt;Pitfalls in the scheme:&lt;br /&gt;&lt;/em&gt;&lt;/strong&gt;&lt;br /&gt;1.Lack of awareness and education amongst farmers to understand the positive aspects of the scheme.&lt;br /&gt;&lt;br /&gt;2.Adequate credit requirements of the farmers has been found not met as envisaged in the plan.&lt;br /&gt;&lt;br /&gt;3.The documentation process for the scheme has been found to be a cause of concern for farmers sometimes.&lt;br /&gt;&lt;br /&gt;&lt;/div&gt;&#039;,
	&#039;lang&#039; =&gt; &#039;English&#039;,
	&#039;SITE_URL&#039; =&gt; &#039;https://im4change.in/&#039;,
	&#039;site_title&#039; =&gt; &#039;im4change&#039;,
	&#039;adminprix&#039; =&gt; &#039;admin&#039;
]
$article_current = object(App\Model\Entity\Article) {

	&#039;id&#039; =&gt; (int) 6064,
	&#039;title&#039; =&gt; &#039;Kisan Credit Card: Allowing easy credit access to farmers by Ankit Sharma&#039;,
	&#039;subheading&#039; =&gt; &#039;&#039;,
	&#039;description&#039; =&gt; &#039;&lt;div align=&quot;justify&quot;&gt;
Non availability of timely credit has been a major drawback for the agricultural sector of India. In a country which relies mostly on agriculture, constant endeavors are needed to see that rural and agricultural credit facilities are enhanced with time. As a part of these efforts, agricultural credit cards got introduced in the agricultural lending system. Similarly cash credit facility was also being offered by many banks.&lt;br /&gt;
&lt;br /&gt;
However, a major shortfall in these schemes remained the fact that they were concentrated mainly to the niche segment. The farmers lying in the higher end of the pyramid received access to these schemes while the marginal and small ones still remained unprivileged. The inability of these schemes to market themselves in mass scale led to the establishment of Kisan Credit Card (KCC) scheme.&lt;br /&gt;
&lt;br /&gt;
The KCC scheme was formulated by Government of India (GOI) after consultation with Reserve Bank of India (RBI) and National Bank for Agricultural and Rural Development (NABARD). The Union Budget of 1998-99 announced the idea to develop a model scheme for issuing Kisan Credit Cards to farmers. The scheme was circulated to commercial banks by RBI and cooperative banks by NABARD.&lt;br /&gt;
&lt;br /&gt;
The major objective behind setting up of the scheme was to allow for adequate and timely support to farmers in agricultural activities by banks in a cost effective manner.&lt;br /&gt;
&lt;br /&gt;
&lt;strong&gt;&lt;em&gt;Features of Kisan Credit Cards:&lt;br /&gt;
&lt;/em&gt;&lt;/strong&gt;
&lt;/div&gt;
&lt;div align=&quot;justify&quot;&gt;
&amp;nbsp;
&lt;/div&gt;
&lt;div align=&quot;justify&quot;&gt;
1.The card has been designed with the aim to provide benefits to farmers in meeting production and cultivation expenses as well as act as a cushion in case of contingencies.&lt;br /&gt;
&lt;br /&gt;
2.A credit cum passbook is also provided with KCC to the farmer.&lt;br /&gt;
&lt;br /&gt;
3.It offers revolving credit facility thereby allowing unlimited withdrawal as well as repayment within the pre designated limit.&lt;br /&gt;
&lt;br /&gt;
4.The card has a repayment period of 12 months. This means every withdrawal made has to be repaid in 12 months time.&lt;br /&gt;
&lt;br /&gt;
5.The validity of the card lies for 3 years subject to annual review.&lt;br /&gt;
&lt;br /&gt;
6.Credit limit has the option to be enhanced on need and performance basis.&lt;br /&gt;
&lt;br /&gt;
7.Rescheduling/conversion of loans is possible in case of genuine situations like natural calamities.&lt;br /&gt;
&lt;br /&gt;
8.Personal Accident Insurance up to Rs.50, 000 is offered to the card holder under Personal Accident Insurance Scheme (PAIS).&lt;br /&gt;
&lt;br /&gt;
In order to be eligible for a KCC, the farmer must have good track record for atleast two previous years. In case of new borrowers a proof of operational land holding is necessary. Furthermore the farmer&#039;s reputation in the village also plays an important role in defining his eligibility for KCC.&lt;br /&gt;
&lt;br /&gt;
Credit limit of the card varies from one card holder to another. It depends on the operational land holding and the type of crops desired to be grown and the pattern of cropping too. The scale of finance is usually recommended by District Level Technical Committee (DLTC)/State Level Technical Committee (SLTC). In case the scale has not been recommended, banks are allowed to set the scale of finance.&lt;br /&gt;
&lt;br /&gt;
Recently it was proposed to banks by the finance ministry that the credit limit on collateral free credit under KCC should be increased in a bid to hike the agricultural credit.&lt;br /&gt;
&lt;br /&gt;
The rate of interest as well as collateral needed and margin amount is decided by banks as per norms set by RBI. Rate of interest is subject to change from time to time depending upon the notification from the authorities.&lt;br /&gt;
&lt;br /&gt;
&lt;strong&gt;&lt;em&gt;Advantages of KCC to the farmer:&lt;br /&gt;
&lt;/em&gt;&lt;/strong&gt;&lt;br /&gt;
1.Availability of adequate as well as timely credit facility.&lt;br /&gt;
&lt;br /&gt;
2.It offers farmers not only access to credit but also the discretion to decide upon the utilization of credit.&lt;br /&gt;
&lt;br /&gt;
3.Since repayment is fixed on annual basis, therefore credit requirement of the farmer is taken care of for the entire year.&lt;br /&gt;
&lt;br /&gt;
4.Opportunity to make unlimited withdrawals and repayments within the set credit limit.&lt;br /&gt;
&lt;br /&gt;
5.Personal accident cover offered is an added advantage to farmers.&lt;br /&gt;
&lt;br /&gt;
&lt;strong&gt;&lt;em&gt;Pitfalls in the scheme:&lt;br /&gt;
&lt;/em&gt;&lt;/strong&gt;&lt;br /&gt;
1.Lack of awareness and education amongst farmers to understand the positive aspects of the scheme.&lt;br /&gt;
&lt;br /&gt;
2.Adequate credit requirements of the farmers has been found not met as envisaged in the plan.&lt;br /&gt;
&lt;br /&gt;
3.The documentation process for the scheme has been found to be a cause of concern for farmers sometimes.&lt;br /&gt;
&lt;br /&gt;
&lt;/div&gt;&#039;,
	&#039;credit_writer&#039; =&gt; &#039;RupeeTimes.com, February, 2011, http://www.rupeetimes.com/article/credit_cards/kisan_credit_card_allowing_easy_credit_access_to_farmers_4964.html&#039;,
	&#039;article_img&#039; =&gt; &#039;&#039;,
	&#039;article_img_thumb&#039; =&gt; &#039;&#039;,
	&#039;status&#039; =&gt; (int) 1,
	&#039;show_on_home&#039; =&gt; (int) 1,
	&#039;lang&#039; =&gt; &#039;EN&#039;,
	&#039;category_id&#039; =&gt; (int) 16,
	&#039;tag_keyword&#039; =&gt; &#039;&#039;,
	&#039;seo_url&#039; =&gt; &#039;kisan-credit-card-allowing-easy-credit-access-to-farmers-by-ankit-sharma-6158&#039;,
	&#039;meta_title&#039; =&gt; null,
	&#039;meta_keywords&#039; =&gt; null,
	&#039;meta_description&#039; =&gt; null,
	&#039;noindex&#039; =&gt; (int) 0,
	&#039;publish_date&#039; =&gt; object(Cake\I18n\FrozenDate) {},
	&#039;most_visit_section_id&#039; =&gt; null,
	&#039;article_big_img&#039; =&gt; null,
	&#039;liveid&#039; =&gt; (int) 6158,
	&#039;created&#039; =&gt; object(Cake\I18n\FrozenTime) {},
	&#039;modified&#039; =&gt; object(Cake\I18n\FrozenTime) {},
	&#039;edate&#039; =&gt; &#039;&#039;,
	&#039;tags&#039; =&gt; [
		(int) 0 =&gt; object(Cake\ORM\Entity) {}
	],
	&#039;category&#039; =&gt; object(App\Model\Entity\Category) {},
	&#039;[new]&#039; =&gt; false,
	&#039;[accessible]&#039; =&gt; [
		&#039;*&#039; =&gt; true,
		&#039;id&#039; =&gt; false
	],
	&#039;[dirty]&#039; =&gt; [],
	&#039;[original]&#039; =&gt; [],
	&#039;[virtual]&#039; =&gt; [],
	&#039;[hasErrors]&#039; =&gt; false,
	&#039;[errors]&#039; =&gt; [],
	&#039;[invalid]&#039; =&gt; [],
	&#039;[repository]&#039; =&gt; &#039;Articles&#039;

}
$articleid = (int) 6064
$metaTitle = &#039;LATEST NEWS UPDATES | Kisan Credit Card: Allowing easy credit access to farmers by Ankit Sharma&#039;
$metaKeywords = &#039;Agriculture&#039;
$metaDesc = &#039;
Non availability of timely credit has been a major drawback for the agricultural sector of India. In a country which relies mostly on agriculture, constant endeavors are needed to see that rural and agricultural credit facilities are enhanced with time....&#039;
$disp = &#039;&lt;div align=&quot;justify&quot;&gt;Non availability of timely credit has been a major drawback for the agricultural sector of India. In a country which relies mostly on agriculture, constant endeavors are needed to see that rural and agricultural credit facilities are enhanced with time. As a part of these efforts, agricultural credit cards got introduced in the agricultural lending system. Similarly cash credit facility was also being offered by many banks.&lt;br /&gt;&lt;br /&gt;However, a major shortfall in these schemes remained the fact that they were concentrated mainly to the niche segment. The farmers lying in the higher end of the pyramid received access to these schemes while the marginal and small ones still remained unprivileged. The inability of these schemes to market themselves in mass scale led to the establishment of Kisan Credit Card (KCC) scheme.&lt;br /&gt;&lt;br /&gt;The KCC scheme was formulated by Government of India (GOI) after consultation with Reserve Bank of India (RBI) and National Bank for Agricultural and Rural Development (NABARD). The Union Budget of 1998-99 announced the idea to develop a model scheme for issuing Kisan Credit Cards to farmers. The scheme was circulated to commercial banks by RBI and cooperative banks by NABARD.&lt;br /&gt;&lt;br /&gt;The major objective behind setting up of the scheme was to allow for adequate and timely support to farmers in agricultural activities by banks in a cost effective manner.&lt;br /&gt;&lt;br /&gt;&lt;strong&gt;&lt;em&gt;Features of Kisan Credit Cards:&lt;br /&gt;&lt;/em&gt;&lt;/strong&gt;&lt;/div&gt;&lt;div align=&quot;justify&quot;&gt;&amp;nbsp;&lt;/div&gt;&lt;div align=&quot;justify&quot;&gt;1.The card has been designed with the aim to provide benefits to farmers in meeting production and cultivation expenses as well as act as a cushion in case of contingencies.&lt;br /&gt;&lt;br /&gt;2.A credit cum passbook is also provided with KCC to the farmer.&lt;br /&gt;&lt;br /&gt;3.It offers revolving credit facility thereby allowing unlimited withdrawal as well as repayment within the pre designated limit.&lt;br /&gt;&lt;br /&gt;4.The card has a repayment period of 12 months. This means every withdrawal made has to be repaid in 12 months time.&lt;br /&gt;&lt;br /&gt;5.The validity of the card lies for 3 years subject to annual review.&lt;br /&gt;&lt;br /&gt;6.Credit limit has the option to be enhanced on need and performance basis.&lt;br /&gt;&lt;br /&gt;7.Rescheduling/conversion of loans is possible in case of genuine situations like natural calamities.&lt;br /&gt;&lt;br /&gt;8.Personal Accident Insurance up to Rs.50, 000 is offered to the card holder under Personal Accident Insurance Scheme (PAIS).&lt;br /&gt;&lt;br /&gt;In order to be eligible for a KCC, the farmer must have good track record for atleast two previous years. In case of new borrowers a proof of operational land holding is necessary. Furthermore the farmer&#039;s reputation in the village also plays an important role in defining his eligibility for KCC.&lt;br /&gt;&lt;br /&gt;Credit limit of the card varies from one card holder to another. It depends on the operational land holding and the type of crops desired to be grown and the pattern of cropping too. The scale of finance is usually recommended by District Level Technical Committee (DLTC)/State Level Technical Committee (SLTC). In case the scale has not been recommended, banks are allowed to set the scale of finance.&lt;br /&gt;&lt;br /&gt;Recently it was proposed to banks by the finance ministry that the credit limit on collateral free credit under KCC should be increased in a bid to hike the agricultural credit.&lt;br /&gt;&lt;br /&gt;The rate of interest as well as collateral needed and margin amount is decided by banks as per norms set by RBI. Rate of interest is subject to change from time to time depending upon the notification from the authorities.&lt;br /&gt;&lt;br /&gt;&lt;strong&gt;&lt;em&gt;Advantages of KCC to the farmer:&lt;br /&gt;&lt;/em&gt;&lt;/strong&gt;&lt;br /&gt;1.Availability of adequate as well as timely credit facility.&lt;br /&gt;&lt;br /&gt;2.It offers farmers not only access to credit but also the discretion to decide upon the utilization of credit.&lt;br /&gt;&lt;br /&gt;3.Since repayment is fixed on annual basis, therefore credit requirement of the farmer is taken care of for the entire year.&lt;br /&gt;&lt;br /&gt;4.Opportunity to make unlimited withdrawals and repayments within the set credit limit.&lt;br /&gt;&lt;br /&gt;5.Personal accident cover offered is an added advantage to farmers.&lt;br /&gt;&lt;br /&gt;&lt;strong&gt;&lt;em&gt;Pitfalls in the scheme:&lt;br /&gt;&lt;/em&gt;&lt;/strong&gt;&lt;br /&gt;1.Lack of awareness and education amongst farmers to understand the positive aspects of the scheme.&lt;br /&gt;&lt;br /&gt;2.Adequate credit requirements of the farmers has been found not met as envisaged in the plan.&lt;br /&gt;&lt;br /&gt;3.The documentation process for the scheme has been found to be a cause of concern for farmers sometimes.&lt;br /&gt;&lt;br /&gt;&lt;/div&gt;&#039;
$lang = &#039;English&#039;
$SITE_URL = &#039;https://im4change.in/&#039;
$site_title = &#039;im4change&#039;
$adminprix = &#039;admin&#039;</pre><pre class="stack-trace">include - APP/Template/Layout/printlayout.ctp, line 8
Cake\View\View::_evaluate() - CORE/src/View/View.php, line 1413
Cake\View\View::_render() - CORE/src/View/View.php, line 1374
Cake\View\View::renderLayout() - CORE/src/View/View.php, line 927
Cake\View\View::render() - CORE/src/View/View.php, line 885
Cake\Controller\Controller::render() - CORE/src/Controller/Controller.php, line 791
Cake\Http\ActionDispatcher::_invoke() - CORE/src/Http/ActionDispatcher.php, line 126
Cake\Http\ActionDispatcher::dispatch() - CORE/src/Http/ActionDispatcher.php, line 94
Cake\Http\BaseApplication::__invoke() - CORE/src/Http/BaseApplication.php, line 235
Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
Cake\Routing\Middleware\RoutingMiddleware::__invoke() - CORE/src/Routing/Middleware/RoutingMiddleware.php, line 162
Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
Cake\Routing\Middleware\AssetMiddleware::__invoke() - CORE/src/Routing/Middleware/AssetMiddleware.php, line 88
Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
Cake\Error\Middleware\ErrorHandlerMiddleware::__invoke() - CORE/src/Error/Middleware/ErrorHandlerMiddleware.php, line 96
Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
Cake\Http\Runner::run() - CORE/src/Http/Runner.php, line 51</pre></div></pre>latest-news-updates/kisan-credit-card-allowing-easy-credit-access-to-farmers-by-ankit-sharma-6158.html"/>
    <meta http-equiv="Content-Type" content="text/html; charset=utf-8"/>
    <link href="https://im4change.in/css/control.css" rel="stylesheet" type="text/css"
          media="all"/>
    <title>LATEST NEWS UPDATES | Kisan Credit Card: Allowing easy credit access to farmers by Ankit Sharma | Im4change.org</title>
    <meta name="description" content="
Non availability of timely credit has been a major drawback for the agricultural sector of India. In a country which relies mostly on agriculture, constant endeavors are needed to see that rural and agricultural credit facilities are enhanced with time...."/>
    <script src="https://im4change.in/js/jquery-1.10.2.js"></script>
    <script type="text/javascript" src="https://im4change.in/js/jquery-migrate.min.js"></script>
    <script language="javascript" type="text/javascript">

        $(document).ready(function () {
            var img = $("img")[0]; // Get my img elem
            var pic_real_width, pic_real_height;
            $("<img/>") // Make in memory copy of image to avoid css issues
                .attr("src", $(img).attr("src"))
                .load(function () {
                    pic_real_width = this.width;   // Note: $(this).width() will not
                    pic_real_height = this.height; // work for in memory images.
                });
        });
    </script>
    <style type="text/css">
        @media screen {
            div.divFooter {
                display: block;
            }
        }

        @media print {
            .printbutton {
                display: none !important;
            }
        }
    </style>
</head>
<body>
<table cellpadding="0" cellspacing="0" border="0" width="98%" align="center">
    <tr>
        <td class="top_bg">
            <div class="divFooter">
                <img src="https://im4change.in/images/logo1.jpg" height="59" border="0"
                     alt="Resource centre on India's rural distress" style="padding-top:14px;"/>
            </div>

        </td>
    </tr>
    <tr>
        <td id="topspace">&nbsp;</td>
    </tr>

    <tr id="topspace">
        <td>&nbsp;</td>
    </tr>
    <tr>
        <td height="50" style="border-bottom:1px solid #000; padding-top:10px;" class="printbutton">
            <form><input type="button" value=" Print this page "
                         onclick="window.print();return false;"/></form>
        </td>
    </tr>

    <tr>
        <td width="100%">
            <h1 class="news_headlines" style="font-style:normal">
                <strong>Kisan Credit Card: Allowing easy credit access to farmers by Ankit Sharma</strong></h1>
        </td>
    </tr>
    <tr>
        <td width="100%" style="font-family:Arial, 'Segoe Script', 'Segoe UI', sans-serif, serif"><font size="3">
                <div align="justify">Non availability of timely credit has been a major drawback for the agricultural sector of India. In a country which relies mostly on agriculture, constant endeavors are needed to see that rural and agricultural credit facilities are enhanced with time. As a part of these efforts, agricultural credit cards got introduced in the agricultural lending system. Similarly cash credit facility was also being offered by many banks.<br /><br />However, a major shortfall in these schemes remained the fact that they were concentrated mainly to the niche segment. The farmers lying in the higher end of the pyramid received access to these schemes while the marginal and small ones still remained unprivileged. The inability of these schemes to market themselves in mass scale led to the establishment of Kisan Credit Card (KCC) scheme.<br /><br />The KCC scheme was formulated by Government of India (GOI) after consultation with Reserve Bank of India (RBI) and National Bank for Agricultural and Rural Development (NABARD). The Union Budget of 1998-99 announced the idea to develop a model scheme for issuing Kisan Credit Cards to farmers. The scheme was circulated to commercial banks by RBI and cooperative banks by NABARD.<br /><br />The major objective behind setting up of the scheme was to allow for adequate and timely support to farmers in agricultural activities by banks in a cost effective manner.<br /><br /><strong><em>Features of Kisan Credit Cards:<br /></em></strong></div><div align="justify">&nbsp;</div><div align="justify">1.The card has been designed with the aim to provide benefits to farmers in meeting production and cultivation expenses as well as act as a cushion in case of contingencies.<br /><br />2.A credit cum passbook is also provided with KCC to the farmer.<br /><br />3.It offers revolving credit facility thereby allowing unlimited withdrawal as well as repayment within the pre designated limit.<br /><br />4.The card has a repayment period of 12 months. This means every withdrawal made has to be repaid in 12 months time.<br /><br />5.The validity of the card lies for 3 years subject to annual review.<br /><br />6.Credit limit has the option to be enhanced on need and performance basis.<br /><br />7.Rescheduling/conversion of loans is possible in case of genuine situations like natural calamities.<br /><br />8.Personal Accident Insurance up to Rs.50, 000 is offered to the card holder under Personal Accident Insurance Scheme (PAIS).<br /><br />In order to be eligible for a KCC, the farmer must have good track record for atleast two previous years. In case of new borrowers a proof of operational land holding is necessary. Furthermore the farmer's reputation in the village also plays an important role in defining his eligibility for KCC.<br /><br />Credit limit of the card varies from one card holder to another. It depends on the operational land holding and the type of crops desired to be grown and the pattern of cropping too. The scale of finance is usually recommended by District Level Technical Committee (DLTC)/State Level Technical Committee (SLTC). In case the scale has not been recommended, banks are allowed to set the scale of finance.<br /><br />Recently it was proposed to banks by the finance ministry that the credit limit on collateral free credit under KCC should be increased in a bid to hike the agricultural credit.<br /><br />The rate of interest as well as collateral needed and margin amount is decided by banks as per norms set by RBI. Rate of interest is subject to change from time to time depending upon the notification from the authorities.<br /><br /><strong><em>Advantages of KCC to the farmer:<br /></em></strong><br />1.Availability of adequate as well as timely credit facility.<br /><br />2.It offers farmers not only access to credit but also the discretion to decide upon the utilization of credit.<br /><br />3.Since repayment is fixed on annual basis, therefore credit requirement of the farmer is taken care of for the entire year.<br /><br />4.Opportunity to make unlimited withdrawals and repayments within the set credit limit.<br /><br />5.Personal accident cover offered is an added advantage to farmers.<br /><br /><strong><em>Pitfalls in the scheme:<br /></em></strong><br />1.Lack of awareness and education amongst farmers to understand the positive aspects of the scheme.<br /><br />2.Adequate credit requirements of the farmers has been found not met as envisaged in the plan.<br /><br />3.The documentation process for the scheme has been found to be a cause of concern for farmers sometimes.<br /><br /></div>               </font>
        </td>
    </tr>
    <tr>
        <td>&nbsp;</td>
    </tr>

    <tr>
        <td height="50" style="border-top:1px solid #000; border-bottom:1px solid #000;padding-top:10px;">
            <form><input type="button" value=" Print this page "
                         onclick="window.print();return false;"/></form>
        </td>
    </tr>
</table></body>
</html>'

}
$maxBufferLength = (int) 8192
$file = '/home/brlfuser/public_html/vendor/cakephp/cakephp/src/Error/Debugger.php'
$line = (int) 853
$message = 'Unable to emit headers. Headers sent in file=/home/brlfuser/public_html/vendor/cakephp/cakephp/src/Error/Debugger.php line=853'
Cake\Http\ResponseEmitter::emit() - CORE/src/Http/ResponseEmitter.php, line 48
Cake\Http\Server::emit() - CORE/src/Http/Server.php, line 141
[main] - ROOT/webroot/index.php, line 39

Warning (2): Cannot modify header information - headers already sent by (output started at /home/brlfuser/public_html/vendor/cakephp/cakephp/src/Error/Debugger.php:853) [CORE/src/Http/ResponseEmitter.php, line 148]
Code Context
            $response->getStatusCode(),

            ($reasonPhrase ? ' ' . $reasonPhrase : '')

        ));
$response = object(Cake\Http\Response) {

	'status' => (int) 200,
	'contentType' => 'text/html',
	'headers' => [
		'Content-Type' => [
			[maximum depth reached]
		]
	],
	'file' => null,
	'fileRange' => [],
	'cookies' => object(Cake\Http\Cookie\CookieCollection) {},
	'cacheDirectives' => [],
	'body' => '<!DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN"
        "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd">
<html xmlns="http://www.w3.org/1999/xhtml">
<head>
    <link rel="canonical" href="https://im4change.in/<pre class="cake-error"><a href="javascript:void(0);" onclick="document.getElementById('cakeErr6800d8ec70776-trace').style.display = (document.getElementById('cakeErr6800d8ec70776-trace').style.display == 'none' ? '' : 'none');"><b>Notice</b> (8)</a>: Undefined variable: urlPrefix [<b>APP/Template/Layout/printlayout.ctp</b>, line <b>8</b>]<div id="cakeErr6800d8ec70776-trace" class="cake-stack-trace" style="display: none;"><a href="javascript:void(0);" onclick="document.getElementById('cakeErr6800d8ec70776-code').style.display = (document.getElementById('cakeErr6800d8ec70776-code').style.display == 'none' ? '' : 'none')">Code</a> <a href="javascript:void(0);" onclick="document.getElementById('cakeErr6800d8ec70776-context').style.display = (document.getElementById('cakeErr6800d8ec70776-context').style.display == 'none' ? '' : 'none')">Context</a><pre id="cakeErr6800d8ec70776-code" class="cake-code-dump" style="display: none;"><code><span style="color: #000000"><span style="color: #0000BB"></span><span style="color: #007700">&lt;</span><span style="color: #0000BB">head</span><span style="color: #007700">&gt;
</span></span></code>
<span class="code-highlight"><code><span style="color: #000000">&nbsp;&nbsp;&nbsp;&nbsp;&lt;link&nbsp;rel="canonical"&nbsp;href="<span style="color: #0000BB">&lt;?php&nbsp;</span><span style="color: #007700">echo&nbsp;</span><span style="color: #0000BB">Configure</span><span style="color: #007700">::</span><span style="color: #0000BB">read</span><span style="color: #007700">(</span><span style="color: #DD0000">'SITE_URL'</span><span style="color: #007700">);&nbsp;</span><span style="color: #0000BB">?&gt;&lt;?php&nbsp;</span><span style="color: #007700">echo&nbsp;</span><span style="color: #0000BB">$urlPrefix</span><span style="color: #007700">;</span><span style="color: #0000BB">?&gt;&lt;?php&nbsp;</span><span style="color: #007700">echo&nbsp;</span><span style="color: #0000BB">$article_current</span><span style="color: #007700">-&gt;</span><span style="color: #0000BB">category</span><span style="color: #007700">-&gt;</span><span style="color: #0000BB">slug</span><span style="color: #007700">;&nbsp;</span><span style="color: #0000BB">?&gt;</span>/<span style="color: #0000BB">&lt;?php&nbsp;</span><span style="color: #007700">echo&nbsp;</span><span style="color: #0000BB">$article_current</span><span style="color: #007700">-&gt;</span><span style="color: #0000BB">seo_url</span><span style="color: #007700">;&nbsp;</span><span style="color: #0000BB">?&gt;</span>.html"/&gt;
</span></code></span>
<code><span style="color: #000000"><span style="color: #0000BB">&nbsp;&nbsp;&nbsp;&nbsp;</span><span style="color: #007700">&lt;</span><span style="color: #0000BB">meta&nbsp;http</span><span style="color: #007700">-</span><span style="color: #0000BB">equiv</span><span style="color: #007700">=</span><span style="color: #DD0000">"Content-Type"&nbsp;</span><span style="color: #0000BB">content</span><span style="color: #007700">=</span><span style="color: #DD0000">"text/html;&nbsp;charset=utf-8"</span><span style="color: #007700">/&gt;
</span></span></code></pre><pre id="cakeErr6800d8ec70776-context" class="cake-context" style="display: none;">$viewFile = &#039;/home/brlfuser/public_html/src/Template/Layout/printlayout.ctp&#039;
$dataForView = [
	&#039;article_current&#039; =&gt; object(App\Model\Entity\Article) {

		&#039;id&#039; =&gt; (int) 6064,
		&#039;title&#039; =&gt; &#039;Kisan Credit Card: Allowing easy credit access to farmers by Ankit Sharma&#039;,
		&#039;subheading&#039; =&gt; &#039;&#039;,
		&#039;description&#039; =&gt; &#039;&lt;div align=&quot;justify&quot;&gt;
Non availability of timely credit has been a major drawback for the agricultural sector of India. In a country which relies mostly on agriculture, constant endeavors are needed to see that rural and agricultural credit facilities are enhanced with time. As a part of these efforts, agricultural credit cards got introduced in the agricultural lending system. Similarly cash credit facility was also being offered by many banks.&lt;br /&gt;
&lt;br /&gt;
However, a major shortfall in these schemes remained the fact that they were concentrated mainly to the niche segment. The farmers lying in the higher end of the pyramid received access to these schemes while the marginal and small ones still remained unprivileged. The inability of these schemes to market themselves in mass scale led to the establishment of Kisan Credit Card (KCC) scheme.&lt;br /&gt;
&lt;br /&gt;
The KCC scheme was formulated by Government of India (GOI) after consultation with Reserve Bank of India (RBI) and National Bank for Agricultural and Rural Development (NABARD). The Union Budget of 1998-99 announced the idea to develop a model scheme for issuing Kisan Credit Cards to farmers. The scheme was circulated to commercial banks by RBI and cooperative banks by NABARD.&lt;br /&gt;
&lt;br /&gt;
The major objective behind setting up of the scheme was to allow for adequate and timely support to farmers in agricultural activities by banks in a cost effective manner.&lt;br /&gt;
&lt;br /&gt;
&lt;strong&gt;&lt;em&gt;Features of Kisan Credit Cards:&lt;br /&gt;
&lt;/em&gt;&lt;/strong&gt;
&lt;/div&gt;
&lt;div align=&quot;justify&quot;&gt;
&amp;nbsp;
&lt;/div&gt;
&lt;div align=&quot;justify&quot;&gt;
1.The card has been designed with the aim to provide benefits to farmers in meeting production and cultivation expenses as well as act as a cushion in case of contingencies.&lt;br /&gt;
&lt;br /&gt;
2.A credit cum passbook is also provided with KCC to the farmer.&lt;br /&gt;
&lt;br /&gt;
3.It offers revolving credit facility thereby allowing unlimited withdrawal as well as repayment within the pre designated limit.&lt;br /&gt;
&lt;br /&gt;
4.The card has a repayment period of 12 months. This means every withdrawal made has to be repaid in 12 months time.&lt;br /&gt;
&lt;br /&gt;
5.The validity of the card lies for 3 years subject to annual review.&lt;br /&gt;
&lt;br /&gt;
6.Credit limit has the option to be enhanced on need and performance basis.&lt;br /&gt;
&lt;br /&gt;
7.Rescheduling/conversion of loans is possible in case of genuine situations like natural calamities.&lt;br /&gt;
&lt;br /&gt;
8.Personal Accident Insurance up to Rs.50, 000 is offered to the card holder under Personal Accident Insurance Scheme (PAIS).&lt;br /&gt;
&lt;br /&gt;
In order to be eligible for a KCC, the farmer must have good track record for atleast two previous years. In case of new borrowers a proof of operational land holding is necessary. Furthermore the farmer&#039;s reputation in the village also plays an important role in defining his eligibility for KCC.&lt;br /&gt;
&lt;br /&gt;
Credit limit of the card varies from one card holder to another. It depends on the operational land holding and the type of crops desired to be grown and the pattern of cropping too. The scale of finance is usually recommended by District Level Technical Committee (DLTC)/State Level Technical Committee (SLTC). In case the scale has not been recommended, banks are allowed to set the scale of finance.&lt;br /&gt;
&lt;br /&gt;
Recently it was proposed to banks by the finance ministry that the credit limit on collateral free credit under KCC should be increased in a bid to hike the agricultural credit.&lt;br /&gt;
&lt;br /&gt;
The rate of interest as well as collateral needed and margin amount is decided by banks as per norms set by RBI. Rate of interest is subject to change from time to time depending upon the notification from the authorities.&lt;br /&gt;
&lt;br /&gt;
&lt;strong&gt;&lt;em&gt;Advantages of KCC to the farmer:&lt;br /&gt;
&lt;/em&gt;&lt;/strong&gt;&lt;br /&gt;
1.Availability of adequate as well as timely credit facility.&lt;br /&gt;
&lt;br /&gt;
2.It offers farmers not only access to credit but also the discretion to decide upon the utilization of credit.&lt;br /&gt;
&lt;br /&gt;
3.Since repayment is fixed on annual basis, therefore credit requirement of the farmer is taken care of for the entire year.&lt;br /&gt;
&lt;br /&gt;
4.Opportunity to make unlimited withdrawals and repayments within the set credit limit.&lt;br /&gt;
&lt;br /&gt;
5.Personal accident cover offered is an added advantage to farmers.&lt;br /&gt;
&lt;br /&gt;
&lt;strong&gt;&lt;em&gt;Pitfalls in the scheme:&lt;br /&gt;
&lt;/em&gt;&lt;/strong&gt;&lt;br /&gt;
1.Lack of awareness and education amongst farmers to understand the positive aspects of the scheme.&lt;br /&gt;
&lt;br /&gt;
2.Adequate credit requirements of the farmers has been found not met as envisaged in the plan.&lt;br /&gt;
&lt;br /&gt;
3.The documentation process for the scheme has been found to be a cause of concern for farmers sometimes.&lt;br /&gt;
&lt;br /&gt;
&lt;/div&gt;&#039;,
		&#039;credit_writer&#039; =&gt; &#039;RupeeTimes.com, February, 2011, http://www.rupeetimes.com/article/credit_cards/kisan_credit_card_allowing_easy_credit_access_to_farmers_4964.html&#039;,
		&#039;article_img&#039; =&gt; &#039;&#039;,
		&#039;article_img_thumb&#039; =&gt; &#039;&#039;,
		&#039;status&#039; =&gt; (int) 1,
		&#039;show_on_home&#039; =&gt; (int) 1,
		&#039;lang&#039; =&gt; &#039;EN&#039;,
		&#039;category_id&#039; =&gt; (int) 16,
		&#039;tag_keyword&#039; =&gt; &#039;&#039;,
		&#039;seo_url&#039; =&gt; &#039;kisan-credit-card-allowing-easy-credit-access-to-farmers-by-ankit-sharma-6158&#039;,
		&#039;meta_title&#039; =&gt; null,
		&#039;meta_keywords&#039; =&gt; null,
		&#039;meta_description&#039; =&gt; null,
		&#039;noindex&#039; =&gt; (int) 0,
		&#039;publish_date&#039; =&gt; object(Cake\I18n\FrozenDate) {},
		&#039;most_visit_section_id&#039; =&gt; null,
		&#039;article_big_img&#039; =&gt; null,
		&#039;liveid&#039; =&gt; (int) 6158,
		&#039;created&#039; =&gt; object(Cake\I18n\FrozenTime) {},
		&#039;modified&#039; =&gt; object(Cake\I18n\FrozenTime) {},
		&#039;edate&#039; =&gt; &#039;&#039;,
		&#039;tags&#039; =&gt; [
			[maximum depth reached]
		],
		&#039;category&#039; =&gt; object(App\Model\Entity\Category) {},
		&#039;[new]&#039; =&gt; false,
		&#039;[accessible]&#039; =&gt; [
			[maximum depth reached]
		],
		&#039;[dirty]&#039; =&gt; [[maximum depth reached]],
		&#039;[original]&#039; =&gt; [[maximum depth reached]],
		&#039;[virtual]&#039; =&gt; [[maximum depth reached]],
		&#039;[hasErrors]&#039; =&gt; false,
		&#039;[errors]&#039; =&gt; [[maximum depth reached]],
		&#039;[invalid]&#039; =&gt; [[maximum depth reached]],
		&#039;[repository]&#039; =&gt; &#039;Articles&#039;
	
	},
	&#039;articleid&#039; =&gt; (int) 6064,
	&#039;metaTitle&#039; =&gt; &#039;LATEST NEWS UPDATES | Kisan Credit Card: Allowing easy credit access to farmers by Ankit Sharma&#039;,
	&#039;metaKeywords&#039; =&gt; &#039;Agriculture&#039;,
	&#039;metaDesc&#039; =&gt; &#039;
Non availability of timely credit has been a major drawback for the agricultural sector of India. In a country which relies mostly on agriculture, constant endeavors are needed to see that rural and agricultural credit facilities are enhanced with time....&#039;,
	&#039;disp&#039; =&gt; &#039;&lt;div align=&quot;justify&quot;&gt;Non availability of timely credit has been a major drawback for the agricultural sector of India. In a country which relies mostly on agriculture, constant endeavors are needed to see that rural and agricultural credit facilities are enhanced with time. As a part of these efforts, agricultural credit cards got introduced in the agricultural lending system. Similarly cash credit facility was also being offered by many banks.&lt;br /&gt;&lt;br /&gt;However, a major shortfall in these schemes remained the fact that they were concentrated mainly to the niche segment. The farmers lying in the higher end of the pyramid received access to these schemes while the marginal and small ones still remained unprivileged. The inability of these schemes to market themselves in mass scale led to the establishment of Kisan Credit Card (KCC) scheme.&lt;br /&gt;&lt;br /&gt;The KCC scheme was formulated by Government of India (GOI) after consultation with Reserve Bank of India (RBI) and National Bank for Agricultural and Rural Development (NABARD). The Union Budget of 1998-99 announced the idea to develop a model scheme for issuing Kisan Credit Cards to farmers. The scheme was circulated to commercial banks by RBI and cooperative banks by NABARD.&lt;br /&gt;&lt;br /&gt;The major objective behind setting up of the scheme was to allow for adequate and timely support to farmers in agricultural activities by banks in a cost effective manner.&lt;br /&gt;&lt;br /&gt;&lt;strong&gt;&lt;em&gt;Features of Kisan Credit Cards:&lt;br /&gt;&lt;/em&gt;&lt;/strong&gt;&lt;/div&gt;&lt;div align=&quot;justify&quot;&gt;&amp;nbsp;&lt;/div&gt;&lt;div align=&quot;justify&quot;&gt;1.The card has been designed with the aim to provide benefits to farmers in meeting production and cultivation expenses as well as act as a cushion in case of contingencies.&lt;br /&gt;&lt;br /&gt;2.A credit cum passbook is also provided with KCC to the farmer.&lt;br /&gt;&lt;br /&gt;3.It offers revolving credit facility thereby allowing unlimited withdrawal as well as repayment within the pre designated limit.&lt;br /&gt;&lt;br /&gt;4.The card has a repayment period of 12 months. This means every withdrawal made has to be repaid in 12 months time.&lt;br /&gt;&lt;br /&gt;5.The validity of the card lies for 3 years subject to annual review.&lt;br /&gt;&lt;br /&gt;6.Credit limit has the option to be enhanced on need and performance basis.&lt;br /&gt;&lt;br /&gt;7.Rescheduling/conversion of loans is possible in case of genuine situations like natural calamities.&lt;br /&gt;&lt;br /&gt;8.Personal Accident Insurance up to Rs.50, 000 is offered to the card holder under Personal Accident Insurance Scheme (PAIS).&lt;br /&gt;&lt;br /&gt;In order to be eligible for a KCC, the farmer must have good track record for atleast two previous years. In case of new borrowers a proof of operational land holding is necessary. Furthermore the farmer&#039;s reputation in the village also plays an important role in defining his eligibility for KCC.&lt;br /&gt;&lt;br /&gt;Credit limit of the card varies from one card holder to another. It depends on the operational land holding and the type of crops desired to be grown and the pattern of cropping too. The scale of finance is usually recommended by District Level Technical Committee (DLTC)/State Level Technical Committee (SLTC). In case the scale has not been recommended, banks are allowed to set the scale of finance.&lt;br /&gt;&lt;br /&gt;Recently it was proposed to banks by the finance ministry that the credit limit on collateral free credit under KCC should be increased in a bid to hike the agricultural credit.&lt;br /&gt;&lt;br /&gt;The rate of interest as well as collateral needed and margin amount is decided by banks as per norms set by RBI. Rate of interest is subject to change from time to time depending upon the notification from the authorities.&lt;br /&gt;&lt;br /&gt;&lt;strong&gt;&lt;em&gt;Advantages of KCC to the farmer:&lt;br /&gt;&lt;/em&gt;&lt;/strong&gt;&lt;br /&gt;1.Availability of adequate as well as timely credit facility.&lt;br /&gt;&lt;br /&gt;2.It offers farmers not only access to credit but also the discretion to decide upon the utilization of credit.&lt;br /&gt;&lt;br /&gt;3.Since repayment is fixed on annual basis, therefore credit requirement of the farmer is taken care of for the entire year.&lt;br /&gt;&lt;br /&gt;4.Opportunity to make unlimited withdrawals and repayments within the set credit limit.&lt;br /&gt;&lt;br /&gt;5.Personal accident cover offered is an added advantage to farmers.&lt;br /&gt;&lt;br /&gt;&lt;strong&gt;&lt;em&gt;Pitfalls in the scheme:&lt;br /&gt;&lt;/em&gt;&lt;/strong&gt;&lt;br /&gt;1.Lack of awareness and education amongst farmers to understand the positive aspects of the scheme.&lt;br /&gt;&lt;br /&gt;2.Adequate credit requirements of the farmers has been found not met as envisaged in the plan.&lt;br /&gt;&lt;br /&gt;3.The documentation process for the scheme has been found to be a cause of concern for farmers sometimes.&lt;br /&gt;&lt;br /&gt;&lt;/div&gt;&#039;,
	&#039;lang&#039; =&gt; &#039;English&#039;,
	&#039;SITE_URL&#039; =&gt; &#039;https://im4change.in/&#039;,
	&#039;site_title&#039; =&gt; &#039;im4change&#039;,
	&#039;adminprix&#039; =&gt; &#039;admin&#039;
]
$article_current = object(App\Model\Entity\Article) {

	&#039;id&#039; =&gt; (int) 6064,
	&#039;title&#039; =&gt; &#039;Kisan Credit Card: Allowing easy credit access to farmers by Ankit Sharma&#039;,
	&#039;subheading&#039; =&gt; &#039;&#039;,
	&#039;description&#039; =&gt; &#039;&lt;div align=&quot;justify&quot;&gt;
Non availability of timely credit has been a major drawback for the agricultural sector of India. In a country which relies mostly on agriculture, constant endeavors are needed to see that rural and agricultural credit facilities are enhanced with time. As a part of these efforts, agricultural credit cards got introduced in the agricultural lending system. Similarly cash credit facility was also being offered by many banks.&lt;br /&gt;
&lt;br /&gt;
However, a major shortfall in these schemes remained the fact that they were concentrated mainly to the niche segment. The farmers lying in the higher end of the pyramid received access to these schemes while the marginal and small ones still remained unprivileged. The inability of these schemes to market themselves in mass scale led to the establishment of Kisan Credit Card (KCC) scheme.&lt;br /&gt;
&lt;br /&gt;
The KCC scheme was formulated by Government of India (GOI) after consultation with Reserve Bank of India (RBI) and National Bank for Agricultural and Rural Development (NABARD). The Union Budget of 1998-99 announced the idea to develop a model scheme for issuing Kisan Credit Cards to farmers. The scheme was circulated to commercial banks by RBI and cooperative banks by NABARD.&lt;br /&gt;
&lt;br /&gt;
The major objective behind setting up of the scheme was to allow for adequate and timely support to farmers in agricultural activities by banks in a cost effective manner.&lt;br /&gt;
&lt;br /&gt;
&lt;strong&gt;&lt;em&gt;Features of Kisan Credit Cards:&lt;br /&gt;
&lt;/em&gt;&lt;/strong&gt;
&lt;/div&gt;
&lt;div align=&quot;justify&quot;&gt;
&amp;nbsp;
&lt;/div&gt;
&lt;div align=&quot;justify&quot;&gt;
1.The card has been designed with the aim to provide benefits to farmers in meeting production and cultivation expenses as well as act as a cushion in case of contingencies.&lt;br /&gt;
&lt;br /&gt;
2.A credit cum passbook is also provided with KCC to the farmer.&lt;br /&gt;
&lt;br /&gt;
3.It offers revolving credit facility thereby allowing unlimited withdrawal as well as repayment within the pre designated limit.&lt;br /&gt;
&lt;br /&gt;
4.The card has a repayment period of 12 months. This means every withdrawal made has to be repaid in 12 months time.&lt;br /&gt;
&lt;br /&gt;
5.The validity of the card lies for 3 years subject to annual review.&lt;br /&gt;
&lt;br /&gt;
6.Credit limit has the option to be enhanced on need and performance basis.&lt;br /&gt;
&lt;br /&gt;
7.Rescheduling/conversion of loans is possible in case of genuine situations like natural calamities.&lt;br /&gt;
&lt;br /&gt;
8.Personal Accident Insurance up to Rs.50, 000 is offered to the card holder under Personal Accident Insurance Scheme (PAIS).&lt;br /&gt;
&lt;br /&gt;
In order to be eligible for a KCC, the farmer must have good track record for atleast two previous years. In case of new borrowers a proof of operational land holding is necessary. Furthermore the farmer&#039;s reputation in the village also plays an important role in defining his eligibility for KCC.&lt;br /&gt;
&lt;br /&gt;
Credit limit of the card varies from one card holder to another. It depends on the operational land holding and the type of crops desired to be grown and the pattern of cropping too. The scale of finance is usually recommended by District Level Technical Committee (DLTC)/State Level Technical Committee (SLTC). In case the scale has not been recommended, banks are allowed to set the scale of finance.&lt;br /&gt;
&lt;br /&gt;
Recently it was proposed to banks by the finance ministry that the credit limit on collateral free credit under KCC should be increased in a bid to hike the agricultural credit.&lt;br /&gt;
&lt;br /&gt;
The rate of interest as well as collateral needed and margin amount is decided by banks as per norms set by RBI. Rate of interest is subject to change from time to time depending upon the notification from the authorities.&lt;br /&gt;
&lt;br /&gt;
&lt;strong&gt;&lt;em&gt;Advantages of KCC to the farmer:&lt;br /&gt;
&lt;/em&gt;&lt;/strong&gt;&lt;br /&gt;
1.Availability of adequate as well as timely credit facility.&lt;br /&gt;
&lt;br /&gt;
2.It offers farmers not only access to credit but also the discretion to decide upon the utilization of credit.&lt;br /&gt;
&lt;br /&gt;
3.Since repayment is fixed on annual basis, therefore credit requirement of the farmer is taken care of for the entire year.&lt;br /&gt;
&lt;br /&gt;
4.Opportunity to make unlimited withdrawals and repayments within the set credit limit.&lt;br /&gt;
&lt;br /&gt;
5.Personal accident cover offered is an added advantage to farmers.&lt;br /&gt;
&lt;br /&gt;
&lt;strong&gt;&lt;em&gt;Pitfalls in the scheme:&lt;br /&gt;
&lt;/em&gt;&lt;/strong&gt;&lt;br /&gt;
1.Lack of awareness and education amongst farmers to understand the positive aspects of the scheme.&lt;br /&gt;
&lt;br /&gt;
2.Adequate credit requirements of the farmers has been found not met as envisaged in the plan.&lt;br /&gt;
&lt;br /&gt;
3.The documentation process for the scheme has been found to be a cause of concern for farmers sometimes.&lt;br /&gt;
&lt;br /&gt;
&lt;/div&gt;&#039;,
	&#039;credit_writer&#039; =&gt; &#039;RupeeTimes.com, February, 2011, http://www.rupeetimes.com/article/credit_cards/kisan_credit_card_allowing_easy_credit_access_to_farmers_4964.html&#039;,
	&#039;article_img&#039; =&gt; &#039;&#039;,
	&#039;article_img_thumb&#039; =&gt; &#039;&#039;,
	&#039;status&#039; =&gt; (int) 1,
	&#039;show_on_home&#039; =&gt; (int) 1,
	&#039;lang&#039; =&gt; &#039;EN&#039;,
	&#039;category_id&#039; =&gt; (int) 16,
	&#039;tag_keyword&#039; =&gt; &#039;&#039;,
	&#039;seo_url&#039; =&gt; &#039;kisan-credit-card-allowing-easy-credit-access-to-farmers-by-ankit-sharma-6158&#039;,
	&#039;meta_title&#039; =&gt; null,
	&#039;meta_keywords&#039; =&gt; null,
	&#039;meta_description&#039; =&gt; null,
	&#039;noindex&#039; =&gt; (int) 0,
	&#039;publish_date&#039; =&gt; object(Cake\I18n\FrozenDate) {},
	&#039;most_visit_section_id&#039; =&gt; null,
	&#039;article_big_img&#039; =&gt; null,
	&#039;liveid&#039; =&gt; (int) 6158,
	&#039;created&#039; =&gt; object(Cake\I18n\FrozenTime) {},
	&#039;modified&#039; =&gt; object(Cake\I18n\FrozenTime) {},
	&#039;edate&#039; =&gt; &#039;&#039;,
	&#039;tags&#039; =&gt; [
		(int) 0 =&gt; object(Cake\ORM\Entity) {}
	],
	&#039;category&#039; =&gt; object(App\Model\Entity\Category) {},
	&#039;[new]&#039; =&gt; false,
	&#039;[accessible]&#039; =&gt; [
		&#039;*&#039; =&gt; true,
		&#039;id&#039; =&gt; false
	],
	&#039;[dirty]&#039; =&gt; [],
	&#039;[original]&#039; =&gt; [],
	&#039;[virtual]&#039; =&gt; [],
	&#039;[hasErrors]&#039; =&gt; false,
	&#039;[errors]&#039; =&gt; [],
	&#039;[invalid]&#039; =&gt; [],
	&#039;[repository]&#039; =&gt; &#039;Articles&#039;

}
$articleid = (int) 6064
$metaTitle = &#039;LATEST NEWS UPDATES | Kisan Credit Card: Allowing easy credit access to farmers by Ankit Sharma&#039;
$metaKeywords = &#039;Agriculture&#039;
$metaDesc = &#039;
Non availability of timely credit has been a major drawback for the agricultural sector of India. In a country which relies mostly on agriculture, constant endeavors are needed to see that rural and agricultural credit facilities are enhanced with time....&#039;
$disp = &#039;&lt;div align=&quot;justify&quot;&gt;Non availability of timely credit has been a major drawback for the agricultural sector of India. In a country which relies mostly on agriculture, constant endeavors are needed to see that rural and agricultural credit facilities are enhanced with time. As a part of these efforts, agricultural credit cards got introduced in the agricultural lending system. Similarly cash credit facility was also being offered by many banks.&lt;br /&gt;&lt;br /&gt;However, a major shortfall in these schemes remained the fact that they were concentrated mainly to the niche segment. The farmers lying in the higher end of the pyramid received access to these schemes while the marginal and small ones still remained unprivileged. The inability of these schemes to market themselves in mass scale led to the establishment of Kisan Credit Card (KCC) scheme.&lt;br /&gt;&lt;br /&gt;The KCC scheme was formulated by Government of India (GOI) after consultation with Reserve Bank of India (RBI) and National Bank for Agricultural and Rural Development (NABARD). The Union Budget of 1998-99 announced the idea to develop a model scheme for issuing Kisan Credit Cards to farmers. The scheme was circulated to commercial banks by RBI and cooperative banks by NABARD.&lt;br /&gt;&lt;br /&gt;The major objective behind setting up of the scheme was to allow for adequate and timely support to farmers in agricultural activities by banks in a cost effective manner.&lt;br /&gt;&lt;br /&gt;&lt;strong&gt;&lt;em&gt;Features of Kisan Credit Cards:&lt;br /&gt;&lt;/em&gt;&lt;/strong&gt;&lt;/div&gt;&lt;div align=&quot;justify&quot;&gt;&amp;nbsp;&lt;/div&gt;&lt;div align=&quot;justify&quot;&gt;1.The card has been designed with the aim to provide benefits to farmers in meeting production and cultivation expenses as well as act as a cushion in case of contingencies.&lt;br /&gt;&lt;br /&gt;2.A credit cum passbook is also provided with KCC to the farmer.&lt;br /&gt;&lt;br /&gt;3.It offers revolving credit facility thereby allowing unlimited withdrawal as well as repayment within the pre designated limit.&lt;br /&gt;&lt;br /&gt;4.The card has a repayment period of 12 months. This means every withdrawal made has to be repaid in 12 months time.&lt;br /&gt;&lt;br /&gt;5.The validity of the card lies for 3 years subject to annual review.&lt;br /&gt;&lt;br /&gt;6.Credit limit has the option to be enhanced on need and performance basis.&lt;br /&gt;&lt;br /&gt;7.Rescheduling/conversion of loans is possible in case of genuine situations like natural calamities.&lt;br /&gt;&lt;br /&gt;8.Personal Accident Insurance up to Rs.50, 000 is offered to the card holder under Personal Accident Insurance Scheme (PAIS).&lt;br /&gt;&lt;br /&gt;In order to be eligible for a KCC, the farmer must have good track record for atleast two previous years. In case of new borrowers a proof of operational land holding is necessary. Furthermore the farmer&#039;s reputation in the village also plays an important role in defining his eligibility for KCC.&lt;br /&gt;&lt;br /&gt;Credit limit of the card varies from one card holder to another. It depends on the operational land holding and the type of crops desired to be grown and the pattern of cropping too. The scale of finance is usually recommended by District Level Technical Committee (DLTC)/State Level Technical Committee (SLTC). In case the scale has not been recommended, banks are allowed to set the scale of finance.&lt;br /&gt;&lt;br /&gt;Recently it was proposed to banks by the finance ministry that the credit limit on collateral free credit under KCC should be increased in a bid to hike the agricultural credit.&lt;br /&gt;&lt;br /&gt;The rate of interest as well as collateral needed and margin amount is decided by banks as per norms set by RBI. Rate of interest is subject to change from time to time depending upon the notification from the authorities.&lt;br /&gt;&lt;br /&gt;&lt;strong&gt;&lt;em&gt;Advantages of KCC to the farmer:&lt;br /&gt;&lt;/em&gt;&lt;/strong&gt;&lt;br /&gt;1.Availability of adequate as well as timely credit facility.&lt;br /&gt;&lt;br /&gt;2.It offers farmers not only access to credit but also the discretion to decide upon the utilization of credit.&lt;br /&gt;&lt;br /&gt;3.Since repayment is fixed on annual basis, therefore credit requirement of the farmer is taken care of for the entire year.&lt;br /&gt;&lt;br /&gt;4.Opportunity to make unlimited withdrawals and repayments within the set credit limit.&lt;br /&gt;&lt;br /&gt;5.Personal accident cover offered is an added advantage to farmers.&lt;br /&gt;&lt;br /&gt;&lt;strong&gt;&lt;em&gt;Pitfalls in the scheme:&lt;br /&gt;&lt;/em&gt;&lt;/strong&gt;&lt;br /&gt;1.Lack of awareness and education amongst farmers to understand the positive aspects of the scheme.&lt;br /&gt;&lt;br /&gt;2.Adequate credit requirements of the farmers has been found not met as envisaged in the plan.&lt;br /&gt;&lt;br /&gt;3.The documentation process for the scheme has been found to be a cause of concern for farmers sometimes.&lt;br /&gt;&lt;br /&gt;&lt;/div&gt;&#039;
$lang = &#039;English&#039;
$SITE_URL = &#039;https://im4change.in/&#039;
$site_title = &#039;im4change&#039;
$adminprix = &#039;admin&#039;</pre><pre class="stack-trace">include - APP/Template/Layout/printlayout.ctp, line 8
Cake\View\View::_evaluate() - CORE/src/View/View.php, line 1413
Cake\View\View::_render() - CORE/src/View/View.php, line 1374
Cake\View\View::renderLayout() - CORE/src/View/View.php, line 927
Cake\View\View::render() - CORE/src/View/View.php, line 885
Cake\Controller\Controller::render() - CORE/src/Controller/Controller.php, line 791
Cake\Http\ActionDispatcher::_invoke() - CORE/src/Http/ActionDispatcher.php, line 126
Cake\Http\ActionDispatcher::dispatch() - CORE/src/Http/ActionDispatcher.php, line 94
Cake\Http\BaseApplication::__invoke() - CORE/src/Http/BaseApplication.php, line 235
Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
Cake\Routing\Middleware\RoutingMiddleware::__invoke() - CORE/src/Routing/Middleware/RoutingMiddleware.php, line 162
Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
Cake\Routing\Middleware\AssetMiddleware::__invoke() - CORE/src/Routing/Middleware/AssetMiddleware.php, line 88
Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
Cake\Error\Middleware\ErrorHandlerMiddleware::__invoke() - CORE/src/Error/Middleware/ErrorHandlerMiddleware.php, line 96
Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
Cake\Http\Runner::run() - CORE/src/Http/Runner.php, line 51</pre></div></pre>latest-news-updates/kisan-credit-card-allowing-easy-credit-access-to-farmers-by-ankit-sharma-6158.html"/>
    <meta http-equiv="Content-Type" content="text/html; charset=utf-8"/>
    <link href="https://im4change.in/css/control.css" rel="stylesheet" type="text/css"
          media="all"/>
    <title>LATEST NEWS UPDATES | Kisan Credit Card: Allowing easy credit access to farmers by Ankit Sharma | Im4change.org</title>
    <meta name="description" content="
Non availability of timely credit has been a major drawback for the agricultural sector of India. In a country which relies mostly on agriculture, constant endeavors are needed to see that rural and agricultural credit facilities are enhanced with time...."/>
    <script src="https://im4change.in/js/jquery-1.10.2.js"></script>
    <script type="text/javascript" src="https://im4change.in/js/jquery-migrate.min.js"></script>
    <script language="javascript" type="text/javascript">

        $(document).ready(function () {
            var img = $("img")[0]; // Get my img elem
            var pic_real_width, pic_real_height;
            $("<img/>") // Make in memory copy of image to avoid css issues
                .attr("src", $(img).attr("src"))
                .load(function () {
                    pic_real_width = this.width;   // Note: $(this).width() will not
                    pic_real_height = this.height; // work for in memory images.
                });
        });
    </script>
    <style type="text/css">
        @media screen {
            div.divFooter {
                display: block;
            }
        }

        @media print {
            .printbutton {
                display: none !important;
            }
        }
    </style>
</head>
<body>
<table cellpadding="0" cellspacing="0" border="0" width="98%" align="center">
    <tr>
        <td class="top_bg">
            <div class="divFooter">
                <img src="https://im4change.in/images/logo1.jpg" height="59" border="0"
                     alt="Resource centre on India's rural distress" style="padding-top:14px;"/>
            </div>

        </td>
    </tr>
    <tr>
        <td id="topspace">&nbsp;</td>
    </tr>

    <tr id="topspace">
        <td>&nbsp;</td>
    </tr>
    <tr>
        <td height="50" style="border-bottom:1px solid #000; padding-top:10px;" class="printbutton">
            <form><input type="button" value=" Print this page "
                         onclick="window.print();return false;"/></form>
        </td>
    </tr>

    <tr>
        <td width="100%">
            <h1 class="news_headlines" style="font-style:normal">
                <strong>Kisan Credit Card: Allowing easy credit access to farmers by Ankit Sharma</strong></h1>
        </td>
    </tr>
    <tr>
        <td width="100%" style="font-family:Arial, 'Segoe Script', 'Segoe UI', sans-serif, serif"><font size="3">
                <div align="justify">Non availability of timely credit has been a major drawback for the agricultural sector of India. In a country which relies mostly on agriculture, constant endeavors are needed to see that rural and agricultural credit facilities are enhanced with time. As a part of these efforts, agricultural credit cards got introduced in the agricultural lending system. Similarly cash credit facility was also being offered by many banks.<br /><br />However, a major shortfall in these schemes remained the fact that they were concentrated mainly to the niche segment. The farmers lying in the higher end of the pyramid received access to these schemes while the marginal and small ones still remained unprivileged. The inability of these schemes to market themselves in mass scale led to the establishment of Kisan Credit Card (KCC) scheme.<br /><br />The KCC scheme was formulated by Government of India (GOI) after consultation with Reserve Bank of India (RBI) and National Bank for Agricultural and Rural Development (NABARD). The Union Budget of 1998-99 announced the idea to develop a model scheme for issuing Kisan Credit Cards to farmers. The scheme was circulated to commercial banks by RBI and cooperative banks by NABARD.<br /><br />The major objective behind setting up of the scheme was to allow for adequate and timely support to farmers in agricultural activities by banks in a cost effective manner.<br /><br /><strong><em>Features of Kisan Credit Cards:<br /></em></strong></div><div align="justify">&nbsp;</div><div align="justify">1.The card has been designed with the aim to provide benefits to farmers in meeting production and cultivation expenses as well as act as a cushion in case of contingencies.<br /><br />2.A credit cum passbook is also provided with KCC to the farmer.<br /><br />3.It offers revolving credit facility thereby allowing unlimited withdrawal as well as repayment within the pre designated limit.<br /><br />4.The card has a repayment period of 12 months. This means every withdrawal made has to be repaid in 12 months time.<br /><br />5.The validity of the card lies for 3 years subject to annual review.<br /><br />6.Credit limit has the option to be enhanced on need and performance basis.<br /><br />7.Rescheduling/conversion of loans is possible in case of genuine situations like natural calamities.<br /><br />8.Personal Accident Insurance up to Rs.50, 000 is offered to the card holder under Personal Accident Insurance Scheme (PAIS).<br /><br />In order to be eligible for a KCC, the farmer must have good track record for atleast two previous years. In case of new borrowers a proof of operational land holding is necessary. Furthermore the farmer's reputation in the village also plays an important role in defining his eligibility for KCC.<br /><br />Credit limit of the card varies from one card holder to another. It depends on the operational land holding and the type of crops desired to be grown and the pattern of cropping too. The scale of finance is usually recommended by District Level Technical Committee (DLTC)/State Level Technical Committee (SLTC). In case the scale has not been recommended, banks are allowed to set the scale of finance.<br /><br />Recently it was proposed to banks by the finance ministry that the credit limit on collateral free credit under KCC should be increased in a bid to hike the agricultural credit.<br /><br />The rate of interest as well as collateral needed and margin amount is decided by banks as per norms set by RBI. Rate of interest is subject to change from time to time depending upon the notification from the authorities.<br /><br /><strong><em>Advantages of KCC to the farmer:<br /></em></strong><br />1.Availability of adequate as well as timely credit facility.<br /><br />2.It offers farmers not only access to credit but also the discretion to decide upon the utilization of credit.<br /><br />3.Since repayment is fixed on annual basis, therefore credit requirement of the farmer is taken care of for the entire year.<br /><br />4.Opportunity to make unlimited withdrawals and repayments within the set credit limit.<br /><br />5.Personal accident cover offered is an added advantage to farmers.<br /><br /><strong><em>Pitfalls in the scheme:<br /></em></strong><br />1.Lack of awareness and education amongst farmers to understand the positive aspects of the scheme.<br /><br />2.Adequate credit requirements of the farmers has been found not met as envisaged in the plan.<br /><br />3.The documentation process for the scheme has been found to be a cause of concern for farmers sometimes.<br /><br /></div>               </font>
        </td>
    </tr>
    <tr>
        <td>&nbsp;</td>
    </tr>

    <tr>
        <td height="50" style="border-top:1px solid #000; border-bottom:1px solid #000;padding-top:10px;">
            <form><input type="button" value=" Print this page "
                         onclick="window.print();return false;"/></form>
        </td>
    </tr>
</table></body>
</html>'

}
$reasonPhrase = 'OK'
header - [internal], line ??
Cake\Http\ResponseEmitter::emitStatusLine() - CORE/src/Http/ResponseEmitter.php, line 148
Cake\Http\ResponseEmitter::emit() - CORE/src/Http/ResponseEmitter.php, line 54
Cake\Http\Server::emit() - CORE/src/Http/Server.php, line 141
[main] - ROOT/webroot/index.php, line 39

Warning (2): Cannot modify header information - headers already sent by (output started at /home/brlfuser/public_html/vendor/cakephp/cakephp/src/Error/Debugger.php:853) [CORE/src/Http/ResponseEmitter.php, line 181]
Code Context
                    $value

                ), $first);

                $first = false;
$response = object(Cake\Http\Response) {

	'status' => (int) 200,
	'contentType' => 'text/html',
	'headers' => [
		'Content-Type' => [
			[maximum depth reached]
		]
	],
	'file' => null,
	'fileRange' => [],
	'cookies' => object(Cake\Http\Cookie\CookieCollection) {},
	'cacheDirectives' => [],
	'body' => '<!DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN"
        "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd">
<html xmlns="http://www.w3.org/1999/xhtml">
<head>
    <link rel="canonical" href="https://im4change.in/<pre class="cake-error"><a href="javascript:void(0);" onclick="document.getElementById('cakeErr6800d8ec70776-trace').style.display = (document.getElementById('cakeErr6800d8ec70776-trace').style.display == 'none' ? '' : 'none');"><b>Notice</b> (8)</a>: Undefined variable: urlPrefix [<b>APP/Template/Layout/printlayout.ctp</b>, line <b>8</b>]<div id="cakeErr6800d8ec70776-trace" class="cake-stack-trace" style="display: none;"><a href="javascript:void(0);" onclick="document.getElementById('cakeErr6800d8ec70776-code').style.display = (document.getElementById('cakeErr6800d8ec70776-code').style.display == 'none' ? '' : 'none')">Code</a> <a href="javascript:void(0);" onclick="document.getElementById('cakeErr6800d8ec70776-context').style.display = (document.getElementById('cakeErr6800d8ec70776-context').style.display == 'none' ? '' : 'none')">Context</a><pre id="cakeErr6800d8ec70776-code" class="cake-code-dump" style="display: none;"><code><span style="color: #000000"><span style="color: #0000BB"></span><span style="color: #007700">&lt;</span><span style="color: #0000BB">head</span><span style="color: #007700">&gt;
</span></span></code>
<span class="code-highlight"><code><span style="color: #000000">&nbsp;&nbsp;&nbsp;&nbsp;&lt;link&nbsp;rel="canonical"&nbsp;href="<span style="color: #0000BB">&lt;?php&nbsp;</span><span style="color: #007700">echo&nbsp;</span><span style="color: #0000BB">Configure</span><span style="color: #007700">::</span><span style="color: #0000BB">read</span><span style="color: #007700">(</span><span style="color: #DD0000">'SITE_URL'</span><span style="color: #007700">);&nbsp;</span><span style="color: #0000BB">?&gt;&lt;?php&nbsp;</span><span style="color: #007700">echo&nbsp;</span><span style="color: #0000BB">$urlPrefix</span><span style="color: #007700">;</span><span style="color: #0000BB">?&gt;&lt;?php&nbsp;</span><span style="color: #007700">echo&nbsp;</span><span style="color: #0000BB">$article_current</span><span style="color: #007700">-&gt;</span><span style="color: #0000BB">category</span><span style="color: #007700">-&gt;</span><span style="color: #0000BB">slug</span><span style="color: #007700">;&nbsp;</span><span style="color: #0000BB">?&gt;</span>/<span style="color: #0000BB">&lt;?php&nbsp;</span><span style="color: #007700">echo&nbsp;</span><span style="color: #0000BB">$article_current</span><span style="color: #007700">-&gt;</span><span style="color: #0000BB">seo_url</span><span style="color: #007700">;&nbsp;</span><span style="color: #0000BB">?&gt;</span>.html"/&gt;
</span></code></span>
<code><span style="color: #000000"><span style="color: #0000BB">&nbsp;&nbsp;&nbsp;&nbsp;</span><span style="color: #007700">&lt;</span><span style="color: #0000BB">meta&nbsp;http</span><span style="color: #007700">-</span><span style="color: #0000BB">equiv</span><span style="color: #007700">=</span><span style="color: #DD0000">"Content-Type"&nbsp;</span><span style="color: #0000BB">content</span><span style="color: #007700">=</span><span style="color: #DD0000">"text/html;&nbsp;charset=utf-8"</span><span style="color: #007700">/&gt;
</span></span></code></pre><pre id="cakeErr6800d8ec70776-context" class="cake-context" style="display: none;">$viewFile = &#039;/home/brlfuser/public_html/src/Template/Layout/printlayout.ctp&#039;
$dataForView = [
	&#039;article_current&#039; =&gt; object(App\Model\Entity\Article) {

		&#039;id&#039; =&gt; (int) 6064,
		&#039;title&#039; =&gt; &#039;Kisan Credit Card: Allowing easy credit access to farmers by Ankit Sharma&#039;,
		&#039;subheading&#039; =&gt; &#039;&#039;,
		&#039;description&#039; =&gt; &#039;&lt;div align=&quot;justify&quot;&gt;
Non availability of timely credit has been a major drawback for the agricultural sector of India. In a country which relies mostly on agriculture, constant endeavors are needed to see that rural and agricultural credit facilities are enhanced with time. As a part of these efforts, agricultural credit cards got introduced in the agricultural lending system. Similarly cash credit facility was also being offered by many banks.&lt;br /&gt;
&lt;br /&gt;
However, a major shortfall in these schemes remained the fact that they were concentrated mainly to the niche segment. The farmers lying in the higher end of the pyramid received access to these schemes while the marginal and small ones still remained unprivileged. The inability of these schemes to market themselves in mass scale led to the establishment of Kisan Credit Card (KCC) scheme.&lt;br /&gt;
&lt;br /&gt;
The KCC scheme was formulated by Government of India (GOI) after consultation with Reserve Bank of India (RBI) and National Bank for Agricultural and Rural Development (NABARD). The Union Budget of 1998-99 announced the idea to develop a model scheme for issuing Kisan Credit Cards to farmers. The scheme was circulated to commercial banks by RBI and cooperative banks by NABARD.&lt;br /&gt;
&lt;br /&gt;
The major objective behind setting up of the scheme was to allow for adequate and timely support to farmers in agricultural activities by banks in a cost effective manner.&lt;br /&gt;
&lt;br /&gt;
&lt;strong&gt;&lt;em&gt;Features of Kisan Credit Cards:&lt;br /&gt;
&lt;/em&gt;&lt;/strong&gt;
&lt;/div&gt;
&lt;div align=&quot;justify&quot;&gt;
&amp;nbsp;
&lt;/div&gt;
&lt;div align=&quot;justify&quot;&gt;
1.The card has been designed with the aim to provide benefits to farmers in meeting production and cultivation expenses as well as act as a cushion in case of contingencies.&lt;br /&gt;
&lt;br /&gt;
2.A credit cum passbook is also provided with KCC to the farmer.&lt;br /&gt;
&lt;br /&gt;
3.It offers revolving credit facility thereby allowing unlimited withdrawal as well as repayment within the pre designated limit.&lt;br /&gt;
&lt;br /&gt;
4.The card has a repayment period of 12 months. This means every withdrawal made has to be repaid in 12 months time.&lt;br /&gt;
&lt;br /&gt;
5.The validity of the card lies for 3 years subject to annual review.&lt;br /&gt;
&lt;br /&gt;
6.Credit limit has the option to be enhanced on need and performance basis.&lt;br /&gt;
&lt;br /&gt;
7.Rescheduling/conversion of loans is possible in case of genuine situations like natural calamities.&lt;br /&gt;
&lt;br /&gt;
8.Personal Accident Insurance up to Rs.50, 000 is offered to the card holder under Personal Accident Insurance Scheme (PAIS).&lt;br /&gt;
&lt;br /&gt;
In order to be eligible for a KCC, the farmer must have good track record for atleast two previous years. In case of new borrowers a proof of operational land holding is necessary. Furthermore the farmer&#039;s reputation in the village also plays an important role in defining his eligibility for KCC.&lt;br /&gt;
&lt;br /&gt;
Credit limit of the card varies from one card holder to another. It depends on the operational land holding and the type of crops desired to be grown and the pattern of cropping too. The scale of finance is usually recommended by District Level Technical Committee (DLTC)/State Level Technical Committee (SLTC). In case the scale has not been recommended, banks are allowed to set the scale of finance.&lt;br /&gt;
&lt;br /&gt;
Recently it was proposed to banks by the finance ministry that the credit limit on collateral free credit under KCC should be increased in a bid to hike the agricultural credit.&lt;br /&gt;
&lt;br /&gt;
The rate of interest as well as collateral needed and margin amount is decided by banks as per norms set by RBI. Rate of interest is subject to change from time to time depending upon the notification from the authorities.&lt;br /&gt;
&lt;br /&gt;
&lt;strong&gt;&lt;em&gt;Advantages of KCC to the farmer:&lt;br /&gt;
&lt;/em&gt;&lt;/strong&gt;&lt;br /&gt;
1.Availability of adequate as well as timely credit facility.&lt;br /&gt;
&lt;br /&gt;
2.It offers farmers not only access to credit but also the discretion to decide upon the utilization of credit.&lt;br /&gt;
&lt;br /&gt;
3.Since repayment is fixed on annual basis, therefore credit requirement of the farmer is taken care of for the entire year.&lt;br /&gt;
&lt;br /&gt;
4.Opportunity to make unlimited withdrawals and repayments within the set credit limit.&lt;br /&gt;
&lt;br /&gt;
5.Personal accident cover offered is an added advantage to farmers.&lt;br /&gt;
&lt;br /&gt;
&lt;strong&gt;&lt;em&gt;Pitfalls in the scheme:&lt;br /&gt;
&lt;/em&gt;&lt;/strong&gt;&lt;br /&gt;
1.Lack of awareness and education amongst farmers to understand the positive aspects of the scheme.&lt;br /&gt;
&lt;br /&gt;
2.Adequate credit requirements of the farmers has been found not met as envisaged in the plan.&lt;br /&gt;
&lt;br /&gt;
3.The documentation process for the scheme has been found to be a cause of concern for farmers sometimes.&lt;br /&gt;
&lt;br /&gt;
&lt;/div&gt;&#039;,
		&#039;credit_writer&#039; =&gt; &#039;RupeeTimes.com, February, 2011, http://www.rupeetimes.com/article/credit_cards/kisan_credit_card_allowing_easy_credit_access_to_farmers_4964.html&#039;,
		&#039;article_img&#039; =&gt; &#039;&#039;,
		&#039;article_img_thumb&#039; =&gt; &#039;&#039;,
		&#039;status&#039; =&gt; (int) 1,
		&#039;show_on_home&#039; =&gt; (int) 1,
		&#039;lang&#039; =&gt; &#039;EN&#039;,
		&#039;category_id&#039; =&gt; (int) 16,
		&#039;tag_keyword&#039; =&gt; &#039;&#039;,
		&#039;seo_url&#039; =&gt; &#039;kisan-credit-card-allowing-easy-credit-access-to-farmers-by-ankit-sharma-6158&#039;,
		&#039;meta_title&#039; =&gt; null,
		&#039;meta_keywords&#039; =&gt; null,
		&#039;meta_description&#039; =&gt; null,
		&#039;noindex&#039; =&gt; (int) 0,
		&#039;publish_date&#039; =&gt; object(Cake\I18n\FrozenDate) {},
		&#039;most_visit_section_id&#039; =&gt; null,
		&#039;article_big_img&#039; =&gt; null,
		&#039;liveid&#039; =&gt; (int) 6158,
		&#039;created&#039; =&gt; object(Cake\I18n\FrozenTime) {},
		&#039;modified&#039; =&gt; object(Cake\I18n\FrozenTime) {},
		&#039;edate&#039; =&gt; &#039;&#039;,
		&#039;tags&#039; =&gt; [
			[maximum depth reached]
		],
		&#039;category&#039; =&gt; object(App\Model\Entity\Category) {},
		&#039;[new]&#039; =&gt; false,
		&#039;[accessible]&#039; =&gt; [
			[maximum depth reached]
		],
		&#039;[dirty]&#039; =&gt; [[maximum depth reached]],
		&#039;[original]&#039; =&gt; [[maximum depth reached]],
		&#039;[virtual]&#039; =&gt; [[maximum depth reached]],
		&#039;[hasErrors]&#039; =&gt; false,
		&#039;[errors]&#039; =&gt; [[maximum depth reached]],
		&#039;[invalid]&#039; =&gt; [[maximum depth reached]],
		&#039;[repository]&#039; =&gt; &#039;Articles&#039;
	
	},
	&#039;articleid&#039; =&gt; (int) 6064,
	&#039;metaTitle&#039; =&gt; &#039;LATEST NEWS UPDATES | Kisan Credit Card: Allowing easy credit access to farmers by Ankit Sharma&#039;,
	&#039;metaKeywords&#039; =&gt; &#039;Agriculture&#039;,
	&#039;metaDesc&#039; =&gt; &#039;
Non availability of timely credit has been a major drawback for the agricultural sector of India. In a country which relies mostly on agriculture, constant endeavors are needed to see that rural and agricultural credit facilities are enhanced with time....&#039;,
	&#039;disp&#039; =&gt; &#039;&lt;div align=&quot;justify&quot;&gt;Non availability of timely credit has been a major drawback for the agricultural sector of India. In a country which relies mostly on agriculture, constant endeavors are needed to see that rural and agricultural credit facilities are enhanced with time. As a part of these efforts, agricultural credit cards got introduced in the agricultural lending system. Similarly cash credit facility was also being offered by many banks.&lt;br /&gt;&lt;br /&gt;However, a major shortfall in these schemes remained the fact that they were concentrated mainly to the niche segment. The farmers lying in the higher end of the pyramid received access to these schemes while the marginal and small ones still remained unprivileged. The inability of these schemes to market themselves in mass scale led to the establishment of Kisan Credit Card (KCC) scheme.&lt;br /&gt;&lt;br /&gt;The KCC scheme was formulated by Government of India (GOI) after consultation with Reserve Bank of India (RBI) and National Bank for Agricultural and Rural Development (NABARD). The Union Budget of 1998-99 announced the idea to develop a model scheme for issuing Kisan Credit Cards to farmers. The scheme was circulated to commercial banks by RBI and cooperative banks by NABARD.&lt;br /&gt;&lt;br /&gt;The major objective behind setting up of the scheme was to allow for adequate and timely support to farmers in agricultural activities by banks in a cost effective manner.&lt;br /&gt;&lt;br /&gt;&lt;strong&gt;&lt;em&gt;Features of Kisan Credit Cards:&lt;br /&gt;&lt;/em&gt;&lt;/strong&gt;&lt;/div&gt;&lt;div align=&quot;justify&quot;&gt;&amp;nbsp;&lt;/div&gt;&lt;div align=&quot;justify&quot;&gt;1.The card has been designed with the aim to provide benefits to farmers in meeting production and cultivation expenses as well as act as a cushion in case of contingencies.&lt;br /&gt;&lt;br /&gt;2.A credit cum passbook is also provided with KCC to the farmer.&lt;br /&gt;&lt;br /&gt;3.It offers revolving credit facility thereby allowing unlimited withdrawal as well as repayment within the pre designated limit.&lt;br /&gt;&lt;br /&gt;4.The card has a repayment period of 12 months. This means every withdrawal made has to be repaid in 12 months time.&lt;br /&gt;&lt;br /&gt;5.The validity of the card lies for 3 years subject to annual review.&lt;br /&gt;&lt;br /&gt;6.Credit limit has the option to be enhanced on need and performance basis.&lt;br /&gt;&lt;br /&gt;7.Rescheduling/conversion of loans is possible in case of genuine situations like natural calamities.&lt;br /&gt;&lt;br /&gt;8.Personal Accident Insurance up to Rs.50, 000 is offered to the card holder under Personal Accident Insurance Scheme (PAIS).&lt;br /&gt;&lt;br /&gt;In order to be eligible for a KCC, the farmer must have good track record for atleast two previous years. In case of new borrowers a proof of operational land holding is necessary. Furthermore the farmer&#039;s reputation in the village also plays an important role in defining his eligibility for KCC.&lt;br /&gt;&lt;br /&gt;Credit limit of the card varies from one card holder to another. It depends on the operational land holding and the type of crops desired to be grown and the pattern of cropping too. The scale of finance is usually recommended by District Level Technical Committee (DLTC)/State Level Technical Committee (SLTC). In case the scale has not been recommended, banks are allowed to set the scale of finance.&lt;br /&gt;&lt;br /&gt;Recently it was proposed to banks by the finance ministry that the credit limit on collateral free credit under KCC should be increased in a bid to hike the agricultural credit.&lt;br /&gt;&lt;br /&gt;The rate of interest as well as collateral needed and margin amount is decided by banks as per norms set by RBI. Rate of interest is subject to change from time to time depending upon the notification from the authorities.&lt;br /&gt;&lt;br /&gt;&lt;strong&gt;&lt;em&gt;Advantages of KCC to the farmer:&lt;br /&gt;&lt;/em&gt;&lt;/strong&gt;&lt;br /&gt;1.Availability of adequate as well as timely credit facility.&lt;br /&gt;&lt;br /&gt;2.It offers farmers not only access to credit but also the discretion to decide upon the utilization of credit.&lt;br /&gt;&lt;br /&gt;3.Since repayment is fixed on annual basis, therefore credit requirement of the farmer is taken care of for the entire year.&lt;br /&gt;&lt;br /&gt;4.Opportunity to make unlimited withdrawals and repayments within the set credit limit.&lt;br /&gt;&lt;br /&gt;5.Personal accident cover offered is an added advantage to farmers.&lt;br /&gt;&lt;br /&gt;&lt;strong&gt;&lt;em&gt;Pitfalls in the scheme:&lt;br /&gt;&lt;/em&gt;&lt;/strong&gt;&lt;br /&gt;1.Lack of awareness and education amongst farmers to understand the positive aspects of the scheme.&lt;br /&gt;&lt;br /&gt;2.Adequate credit requirements of the farmers has been found not met as envisaged in the plan.&lt;br /&gt;&lt;br /&gt;3.The documentation process for the scheme has been found to be a cause of concern for farmers sometimes.&lt;br /&gt;&lt;br /&gt;&lt;/div&gt;&#039;,
	&#039;lang&#039; =&gt; &#039;English&#039;,
	&#039;SITE_URL&#039; =&gt; &#039;https://im4change.in/&#039;,
	&#039;site_title&#039; =&gt; &#039;im4change&#039;,
	&#039;adminprix&#039; =&gt; &#039;admin&#039;
]
$article_current = object(App\Model\Entity\Article) {

	&#039;id&#039; =&gt; (int) 6064,
	&#039;title&#039; =&gt; &#039;Kisan Credit Card: Allowing easy credit access to farmers by Ankit Sharma&#039;,
	&#039;subheading&#039; =&gt; &#039;&#039;,
	&#039;description&#039; =&gt; &#039;&lt;div align=&quot;justify&quot;&gt;
Non availability of timely credit has been a major drawback for the agricultural sector of India. In a country which relies mostly on agriculture, constant endeavors are needed to see that rural and agricultural credit facilities are enhanced with time. As a part of these efforts, agricultural credit cards got introduced in the agricultural lending system. Similarly cash credit facility was also being offered by many banks.&lt;br /&gt;
&lt;br /&gt;
However, a major shortfall in these schemes remained the fact that they were concentrated mainly to the niche segment. The farmers lying in the higher end of the pyramid received access to these schemes while the marginal and small ones still remained unprivileged. The inability of these schemes to market themselves in mass scale led to the establishment of Kisan Credit Card (KCC) scheme.&lt;br /&gt;
&lt;br /&gt;
The KCC scheme was formulated by Government of India (GOI) after consultation with Reserve Bank of India (RBI) and National Bank for Agricultural and Rural Development (NABARD). The Union Budget of 1998-99 announced the idea to develop a model scheme for issuing Kisan Credit Cards to farmers. The scheme was circulated to commercial banks by RBI and cooperative banks by NABARD.&lt;br /&gt;
&lt;br /&gt;
The major objective behind setting up of the scheme was to allow for adequate and timely support to farmers in agricultural activities by banks in a cost effective manner.&lt;br /&gt;
&lt;br /&gt;
&lt;strong&gt;&lt;em&gt;Features of Kisan Credit Cards:&lt;br /&gt;
&lt;/em&gt;&lt;/strong&gt;
&lt;/div&gt;
&lt;div align=&quot;justify&quot;&gt;
&amp;nbsp;
&lt;/div&gt;
&lt;div align=&quot;justify&quot;&gt;
1.The card has been designed with the aim to provide benefits to farmers in meeting production and cultivation expenses as well as act as a cushion in case of contingencies.&lt;br /&gt;
&lt;br /&gt;
2.A credit cum passbook is also provided with KCC to the farmer.&lt;br /&gt;
&lt;br /&gt;
3.It offers revolving credit facility thereby allowing unlimited withdrawal as well as repayment within the pre designated limit.&lt;br /&gt;
&lt;br /&gt;
4.The card has a repayment period of 12 months. This means every withdrawal made has to be repaid in 12 months time.&lt;br /&gt;
&lt;br /&gt;
5.The validity of the card lies for 3 years subject to annual review.&lt;br /&gt;
&lt;br /&gt;
6.Credit limit has the option to be enhanced on need and performance basis.&lt;br /&gt;
&lt;br /&gt;
7.Rescheduling/conversion of loans is possible in case of genuine situations like natural calamities.&lt;br /&gt;
&lt;br /&gt;
8.Personal Accident Insurance up to Rs.50, 000 is offered to the card holder under Personal Accident Insurance Scheme (PAIS).&lt;br /&gt;
&lt;br /&gt;
In order to be eligible for a KCC, the farmer must have good track record for atleast two previous years. In case of new borrowers a proof of operational land holding is necessary. Furthermore the farmer&#039;s reputation in the village also plays an important role in defining his eligibility for KCC.&lt;br /&gt;
&lt;br /&gt;
Credit limit of the card varies from one card holder to another. It depends on the operational land holding and the type of crops desired to be grown and the pattern of cropping too. The scale of finance is usually recommended by District Level Technical Committee (DLTC)/State Level Technical Committee (SLTC). In case the scale has not been recommended, banks are allowed to set the scale of finance.&lt;br /&gt;
&lt;br /&gt;
Recently it was proposed to banks by the finance ministry that the credit limit on collateral free credit under KCC should be increased in a bid to hike the agricultural credit.&lt;br /&gt;
&lt;br /&gt;
The rate of interest as well as collateral needed and margin amount is decided by banks as per norms set by RBI. Rate of interest is subject to change from time to time depending upon the notification from the authorities.&lt;br /&gt;
&lt;br /&gt;
&lt;strong&gt;&lt;em&gt;Advantages of KCC to the farmer:&lt;br /&gt;
&lt;/em&gt;&lt;/strong&gt;&lt;br /&gt;
1.Availability of adequate as well as timely credit facility.&lt;br /&gt;
&lt;br /&gt;
2.It offers farmers not only access to credit but also the discretion to decide upon the utilization of credit.&lt;br /&gt;
&lt;br /&gt;
3.Since repayment is fixed on annual basis, therefore credit requirement of the farmer is taken care of for the entire year.&lt;br /&gt;
&lt;br /&gt;
4.Opportunity to make unlimited withdrawals and repayments within the set credit limit.&lt;br /&gt;
&lt;br /&gt;
5.Personal accident cover offered is an added advantage to farmers.&lt;br /&gt;
&lt;br /&gt;
&lt;strong&gt;&lt;em&gt;Pitfalls in the scheme:&lt;br /&gt;
&lt;/em&gt;&lt;/strong&gt;&lt;br /&gt;
1.Lack of awareness and education amongst farmers to understand the positive aspects of the scheme.&lt;br /&gt;
&lt;br /&gt;
2.Adequate credit requirements of the farmers has been found not met as envisaged in the plan.&lt;br /&gt;
&lt;br /&gt;
3.The documentation process for the scheme has been found to be a cause of concern for farmers sometimes.&lt;br /&gt;
&lt;br /&gt;
&lt;/div&gt;&#039;,
	&#039;credit_writer&#039; =&gt; &#039;RupeeTimes.com, February, 2011, http://www.rupeetimes.com/article/credit_cards/kisan_credit_card_allowing_easy_credit_access_to_farmers_4964.html&#039;,
	&#039;article_img&#039; =&gt; &#039;&#039;,
	&#039;article_img_thumb&#039; =&gt; &#039;&#039;,
	&#039;status&#039; =&gt; (int) 1,
	&#039;show_on_home&#039; =&gt; (int) 1,
	&#039;lang&#039; =&gt; &#039;EN&#039;,
	&#039;category_id&#039; =&gt; (int) 16,
	&#039;tag_keyword&#039; =&gt; &#039;&#039;,
	&#039;seo_url&#039; =&gt; &#039;kisan-credit-card-allowing-easy-credit-access-to-farmers-by-ankit-sharma-6158&#039;,
	&#039;meta_title&#039; =&gt; null,
	&#039;meta_keywords&#039; =&gt; null,
	&#039;meta_description&#039; =&gt; null,
	&#039;noindex&#039; =&gt; (int) 0,
	&#039;publish_date&#039; =&gt; object(Cake\I18n\FrozenDate) {},
	&#039;most_visit_section_id&#039; =&gt; null,
	&#039;article_big_img&#039; =&gt; null,
	&#039;liveid&#039; =&gt; (int) 6158,
	&#039;created&#039; =&gt; object(Cake\I18n\FrozenTime) {},
	&#039;modified&#039; =&gt; object(Cake\I18n\FrozenTime) {},
	&#039;edate&#039; =&gt; &#039;&#039;,
	&#039;tags&#039; =&gt; [
		(int) 0 =&gt; object(Cake\ORM\Entity) {}
	],
	&#039;category&#039; =&gt; object(App\Model\Entity\Category) {},
	&#039;[new]&#039; =&gt; false,
	&#039;[accessible]&#039; =&gt; [
		&#039;*&#039; =&gt; true,
		&#039;id&#039; =&gt; false
	],
	&#039;[dirty]&#039; =&gt; [],
	&#039;[original]&#039; =&gt; [],
	&#039;[virtual]&#039; =&gt; [],
	&#039;[hasErrors]&#039; =&gt; false,
	&#039;[errors]&#039; =&gt; [],
	&#039;[invalid]&#039; =&gt; [],
	&#039;[repository]&#039; =&gt; &#039;Articles&#039;

}
$articleid = (int) 6064
$metaTitle = &#039;LATEST NEWS UPDATES | Kisan Credit Card: Allowing easy credit access to farmers by Ankit Sharma&#039;
$metaKeywords = &#039;Agriculture&#039;
$metaDesc = &#039;
Non availability of timely credit has been a major drawback for the agricultural sector of India. In a country which relies mostly on agriculture, constant endeavors are needed to see that rural and agricultural credit facilities are enhanced with time....&#039;
$disp = &#039;&lt;div align=&quot;justify&quot;&gt;Non availability of timely credit has been a major drawback for the agricultural sector of India. In a country which relies mostly on agriculture, constant endeavors are needed to see that rural and agricultural credit facilities are enhanced with time. As a part of these efforts, agricultural credit cards got introduced in the agricultural lending system. Similarly cash credit facility was also being offered by many banks.&lt;br /&gt;&lt;br /&gt;However, a major shortfall in these schemes remained the fact that they were concentrated mainly to the niche segment. The farmers lying in the higher end of the pyramid received access to these schemes while the marginal and small ones still remained unprivileged. The inability of these schemes to market themselves in mass scale led to the establishment of Kisan Credit Card (KCC) scheme.&lt;br /&gt;&lt;br /&gt;The KCC scheme was formulated by Government of India (GOI) after consultation with Reserve Bank of India (RBI) and National Bank for Agricultural and Rural Development (NABARD). The Union Budget of 1998-99 announced the idea to develop a model scheme for issuing Kisan Credit Cards to farmers. The scheme was circulated to commercial banks by RBI and cooperative banks by NABARD.&lt;br /&gt;&lt;br /&gt;The major objective behind setting up of the scheme was to allow for adequate and timely support to farmers in agricultural activities by banks in a cost effective manner.&lt;br /&gt;&lt;br /&gt;&lt;strong&gt;&lt;em&gt;Features of Kisan Credit Cards:&lt;br /&gt;&lt;/em&gt;&lt;/strong&gt;&lt;/div&gt;&lt;div align=&quot;justify&quot;&gt;&amp;nbsp;&lt;/div&gt;&lt;div align=&quot;justify&quot;&gt;1.The card has been designed with the aim to provide benefits to farmers in meeting production and cultivation expenses as well as act as a cushion in case of contingencies.&lt;br /&gt;&lt;br /&gt;2.A credit cum passbook is also provided with KCC to the farmer.&lt;br /&gt;&lt;br /&gt;3.It offers revolving credit facility thereby allowing unlimited withdrawal as well as repayment within the pre designated limit.&lt;br /&gt;&lt;br /&gt;4.The card has a repayment period of 12 months. This means every withdrawal made has to be repaid in 12 months time.&lt;br /&gt;&lt;br /&gt;5.The validity of the card lies for 3 years subject to annual review.&lt;br /&gt;&lt;br /&gt;6.Credit limit has the option to be enhanced on need and performance basis.&lt;br /&gt;&lt;br /&gt;7.Rescheduling/conversion of loans is possible in case of genuine situations like natural calamities.&lt;br /&gt;&lt;br /&gt;8.Personal Accident Insurance up to Rs.50, 000 is offered to the card holder under Personal Accident Insurance Scheme (PAIS).&lt;br /&gt;&lt;br /&gt;In order to be eligible for a KCC, the farmer must have good track record for atleast two previous years. In case of new borrowers a proof of operational land holding is necessary. Furthermore the farmer&#039;s reputation in the village also plays an important role in defining his eligibility for KCC.&lt;br /&gt;&lt;br /&gt;Credit limit of the card varies from one card holder to another. It depends on the operational land holding and the type of crops desired to be grown and the pattern of cropping too. The scale of finance is usually recommended by District Level Technical Committee (DLTC)/State Level Technical Committee (SLTC). In case the scale has not been recommended, banks are allowed to set the scale of finance.&lt;br /&gt;&lt;br /&gt;Recently it was proposed to banks by the finance ministry that the credit limit on collateral free credit under KCC should be increased in a bid to hike the agricultural credit.&lt;br /&gt;&lt;br /&gt;The rate of interest as well as collateral needed and margin amount is decided by banks as per norms set by RBI. Rate of interest is subject to change from time to time depending upon the notification from the authorities.&lt;br /&gt;&lt;br /&gt;&lt;strong&gt;&lt;em&gt;Advantages of KCC to the farmer:&lt;br /&gt;&lt;/em&gt;&lt;/strong&gt;&lt;br /&gt;1.Availability of adequate as well as timely credit facility.&lt;br /&gt;&lt;br /&gt;2.It offers farmers not only access to credit but also the discretion to decide upon the utilization of credit.&lt;br /&gt;&lt;br /&gt;3.Since repayment is fixed on annual basis, therefore credit requirement of the farmer is taken care of for the entire year.&lt;br /&gt;&lt;br /&gt;4.Opportunity to make unlimited withdrawals and repayments within the set credit limit.&lt;br /&gt;&lt;br /&gt;5.Personal accident cover offered is an added advantage to farmers.&lt;br /&gt;&lt;br /&gt;&lt;strong&gt;&lt;em&gt;Pitfalls in the scheme:&lt;br /&gt;&lt;/em&gt;&lt;/strong&gt;&lt;br /&gt;1.Lack of awareness and education amongst farmers to understand the positive aspects of the scheme.&lt;br /&gt;&lt;br /&gt;2.Adequate credit requirements of the farmers has been found not met as envisaged in the plan.&lt;br /&gt;&lt;br /&gt;3.The documentation process for the scheme has been found to be a cause of concern for farmers sometimes.&lt;br /&gt;&lt;br /&gt;&lt;/div&gt;&#039;
$lang = &#039;English&#039;
$SITE_URL = &#039;https://im4change.in/&#039;
$site_title = &#039;im4change&#039;
$adminprix = &#039;admin&#039;</pre><pre class="stack-trace">include - APP/Template/Layout/printlayout.ctp, line 8
Cake\View\View::_evaluate() - CORE/src/View/View.php, line 1413
Cake\View\View::_render() - CORE/src/View/View.php, line 1374
Cake\View\View::renderLayout() - CORE/src/View/View.php, line 927
Cake\View\View::render() - CORE/src/View/View.php, line 885
Cake\Controller\Controller::render() - CORE/src/Controller/Controller.php, line 791
Cake\Http\ActionDispatcher::_invoke() - CORE/src/Http/ActionDispatcher.php, line 126
Cake\Http\ActionDispatcher::dispatch() - CORE/src/Http/ActionDispatcher.php, line 94
Cake\Http\BaseApplication::__invoke() - CORE/src/Http/BaseApplication.php, line 235
Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
Cake\Routing\Middleware\RoutingMiddleware::__invoke() - CORE/src/Routing/Middleware/RoutingMiddleware.php, line 162
Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
Cake\Routing\Middleware\AssetMiddleware::__invoke() - CORE/src/Routing/Middleware/AssetMiddleware.php, line 88
Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
Cake\Error\Middleware\ErrorHandlerMiddleware::__invoke() - CORE/src/Error/Middleware/ErrorHandlerMiddleware.php, line 96
Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
Cake\Http\Runner::run() - CORE/src/Http/Runner.php, line 51</pre></div></pre>latest-news-updates/kisan-credit-card-allowing-easy-credit-access-to-farmers-by-ankit-sharma-6158.html"/>
    <meta http-equiv="Content-Type" content="text/html; charset=utf-8"/>
    <link href="https://im4change.in/css/control.css" rel="stylesheet" type="text/css"
          media="all"/>
    <title>LATEST NEWS UPDATES | Kisan Credit Card: Allowing easy credit access to farmers by Ankit Sharma | Im4change.org</title>
    <meta name="description" content="
Non availability of timely credit has been a major drawback for the agricultural sector of India. In a country which relies mostly on agriculture, constant endeavors are needed to see that rural and agricultural credit facilities are enhanced with time...."/>
    <script src="https://im4change.in/js/jquery-1.10.2.js"></script>
    <script type="text/javascript" src="https://im4change.in/js/jquery-migrate.min.js"></script>
    <script language="javascript" type="text/javascript">

        $(document).ready(function () {
            var img = $("img")[0]; // Get my img elem
            var pic_real_width, pic_real_height;
            $("<img/>") // Make in memory copy of image to avoid css issues
                .attr("src", $(img).attr("src"))
                .load(function () {
                    pic_real_width = this.width;   // Note: $(this).width() will not
                    pic_real_height = this.height; // work for in memory images.
                });
        });
    </script>
    <style type="text/css">
        @media screen {
            div.divFooter {
                display: block;
            }
        }

        @media print {
            .printbutton {
                display: none !important;
            }
        }
    </style>
</head>
<body>
<table cellpadding="0" cellspacing="0" border="0" width="98%" align="center">
    <tr>
        <td class="top_bg">
            <div class="divFooter">
                <img src="https://im4change.in/images/logo1.jpg" height="59" border="0"
                     alt="Resource centre on India's rural distress" style="padding-top:14px;"/>
            </div>

        </td>
    </tr>
    <tr>
        <td id="topspace">&nbsp;</td>
    </tr>

    <tr id="topspace">
        <td>&nbsp;</td>
    </tr>
    <tr>
        <td height="50" style="border-bottom:1px solid #000; padding-top:10px;" class="printbutton">
            <form><input type="button" value=" Print this page "
                         onclick="window.print();return false;"/></form>
        </td>
    </tr>

    <tr>
        <td width="100%">
            <h1 class="news_headlines" style="font-style:normal">
                <strong>Kisan Credit Card: Allowing easy credit access to farmers by Ankit Sharma</strong></h1>
        </td>
    </tr>
    <tr>
        <td width="100%" style="font-family:Arial, 'Segoe Script', 'Segoe UI', sans-serif, serif"><font size="3">
                <div align="justify">Non availability of timely credit has been a major drawback for the agricultural sector of India. In a country which relies mostly on agriculture, constant endeavors are needed to see that rural and agricultural credit facilities are enhanced with time. As a part of these efforts, agricultural credit cards got introduced in the agricultural lending system. Similarly cash credit facility was also being offered by many banks.<br /><br />However, a major shortfall in these schemes remained the fact that they were concentrated mainly to the niche segment. The farmers lying in the higher end of the pyramid received access to these schemes while the marginal and small ones still remained unprivileged. The inability of these schemes to market themselves in mass scale led to the establishment of Kisan Credit Card (KCC) scheme.<br /><br />The KCC scheme was formulated by Government of India (GOI) after consultation with Reserve Bank of India (RBI) and National Bank for Agricultural and Rural Development (NABARD). The Union Budget of 1998-99 announced the idea to develop a model scheme for issuing Kisan Credit Cards to farmers. The scheme was circulated to commercial banks by RBI and cooperative banks by NABARD.<br /><br />The major objective behind setting up of the scheme was to allow for adequate and timely support to farmers in agricultural activities by banks in a cost effective manner.<br /><br /><strong><em>Features of Kisan Credit Cards:<br /></em></strong></div><div align="justify">&nbsp;</div><div align="justify">1.The card has been designed with the aim to provide benefits to farmers in meeting production and cultivation expenses as well as act as a cushion in case of contingencies.<br /><br />2.A credit cum passbook is also provided with KCC to the farmer.<br /><br />3.It offers revolving credit facility thereby allowing unlimited withdrawal as well as repayment within the pre designated limit.<br /><br />4.The card has a repayment period of 12 months. This means every withdrawal made has to be repaid in 12 months time.<br /><br />5.The validity of the card lies for 3 years subject to annual review.<br /><br />6.Credit limit has the option to be enhanced on need and performance basis.<br /><br />7.Rescheduling/conversion of loans is possible in case of genuine situations like natural calamities.<br /><br />8.Personal Accident Insurance up to Rs.50, 000 is offered to the card holder under Personal Accident Insurance Scheme (PAIS).<br /><br />In order to be eligible for a KCC, the farmer must have good track record for atleast two previous years. In case of new borrowers a proof of operational land holding is necessary. Furthermore the farmer's reputation in the village also plays an important role in defining his eligibility for KCC.<br /><br />Credit limit of the card varies from one card holder to another. It depends on the operational land holding and the type of crops desired to be grown and the pattern of cropping too. The scale of finance is usually recommended by District Level Technical Committee (DLTC)/State Level Technical Committee (SLTC). In case the scale has not been recommended, banks are allowed to set the scale of finance.<br /><br />Recently it was proposed to banks by the finance ministry that the credit limit on collateral free credit under KCC should be increased in a bid to hike the agricultural credit.<br /><br />The rate of interest as well as collateral needed and margin amount is decided by banks as per norms set by RBI. Rate of interest is subject to change from time to time depending upon the notification from the authorities.<br /><br /><strong><em>Advantages of KCC to the farmer:<br /></em></strong><br />1.Availability of adequate as well as timely credit facility.<br /><br />2.It offers farmers not only access to credit but also the discretion to decide upon the utilization of credit.<br /><br />3.Since repayment is fixed on annual basis, therefore credit requirement of the farmer is taken care of for the entire year.<br /><br />4.Opportunity to make unlimited withdrawals and repayments within the set credit limit.<br /><br />5.Personal accident cover offered is an added advantage to farmers.<br /><br /><strong><em>Pitfalls in the scheme:<br /></em></strong><br />1.Lack of awareness and education amongst farmers to understand the positive aspects of the scheme.<br /><br />2.Adequate credit requirements of the farmers has been found not met as envisaged in the plan.<br /><br />3.The documentation process for the scheme has been found to be a cause of concern for farmers sometimes.<br /><br /></div>               </font>
        </td>
    </tr>
    <tr>
        <td>&nbsp;</td>
    </tr>

    <tr>
        <td height="50" style="border-top:1px solid #000; border-bottom:1px solid #000;padding-top:10px;">
            <form><input type="button" value=" Print this page "
                         onclick="window.print();return false;"/></form>
        </td>
    </tr>
</table></body>
</html>'

}
$cookies = []
$values = [
	(int) 0 => 'text/html; charset=UTF-8'
]
$name = 'Content-Type'
$first = true
$value = 'text/html; charset=UTF-8'
header - [internal], line ??
Cake\Http\ResponseEmitter::emitHeaders() - CORE/src/Http/ResponseEmitter.php, line 181
Cake\Http\ResponseEmitter::emit() - CORE/src/Http/ResponseEmitter.php, line 55
Cake\Http\Server::emit() - CORE/src/Http/Server.php, line 141
[main] - ROOT/webroot/index.php, line 39

<head>

    <link rel="canonical" href="<?php echo Configure::read('SITE_URL'); ?><?php echo $urlPrefix;?><?php echo $article_current->category->slug; ?>/<?php echo $article_current->seo_url; ?>.html"/>

    <meta http-equiv="Content-Type" content="text/html; charset=utf-8"/>

$viewFile = '/home/brlfuser/public_html/src/Template/Layout/printlayout.ctp'
$dataForView = [
	'article_current' => object(App\Model\Entity\Article) {

		'id' => (int) 6064,
		'title' => 'Kisan Credit Card: Allowing easy credit access to farmers by Ankit Sharma',
		'subheading' => '',
		'description' => '<div align="justify">
Non availability of timely credit has been a major drawback for the agricultural sector of India. In a country which relies mostly on agriculture, constant endeavors are needed to see that rural and agricultural credit facilities are enhanced with time. As a part of these efforts, agricultural credit cards got introduced in the agricultural lending system. Similarly cash credit facility was also being offered by many banks.<br />
<br />
However, a major shortfall in these schemes remained the fact that they were concentrated mainly to the niche segment. The farmers lying in the higher end of the pyramid received access to these schemes while the marginal and small ones still remained unprivileged. The inability of these schemes to market themselves in mass scale led to the establishment of Kisan Credit Card (KCC) scheme.<br />
<br />
The KCC scheme was formulated by Government of India (GOI) after consultation with Reserve Bank of India (RBI) and National Bank for Agricultural and Rural Development (NABARD). The Union Budget of 1998-99 announced the idea to develop a model scheme for issuing Kisan Credit Cards to farmers. The scheme was circulated to commercial banks by RBI and cooperative banks by NABARD.<br />
<br />
The major objective behind setting up of the scheme was to allow for adequate and timely support to farmers in agricultural activities by banks in a cost effective manner.<br />
<br />
<strong><em>Features of Kisan Credit Cards:<br />
</em></strong>
</div>
<div align="justify">
&nbsp;
</div>
<div align="justify">
1.The card has been designed with the aim to provide benefits to farmers in meeting production and cultivation expenses as well as act as a cushion in case of contingencies.<br />
<br />
2.A credit cum passbook is also provided with KCC to the farmer.<br />
<br />
3.It offers revolving credit facility thereby allowing unlimited withdrawal as well as repayment within the pre designated limit.<br />
<br />
4.The card has a repayment period of 12 months. This means every withdrawal made has to be repaid in 12 months time.<br />
<br />
5.The validity of the card lies for 3 years subject to annual review.<br />
<br />
6.Credit limit has the option to be enhanced on need and performance basis.<br />
<br />
7.Rescheduling/conversion of loans is possible in case of genuine situations like natural calamities.<br />
<br />
8.Personal Accident Insurance up to Rs.50, 000 is offered to the card holder under Personal Accident Insurance Scheme (PAIS).<br />
<br />
In order to be eligible for a KCC, the farmer must have good track record for atleast two previous years. In case of new borrowers a proof of operational land holding is necessary. Furthermore the farmer's reputation in the village also plays an important role in defining his eligibility for KCC.<br />
<br />
Credit limit of the card varies from one card holder to another. It depends on the operational land holding and the type of crops desired to be grown and the pattern of cropping too. The scale of finance is usually recommended by District Level Technical Committee (DLTC)/State Level Technical Committee (SLTC). In case the scale has not been recommended, banks are allowed to set the scale of finance.<br />
<br />
Recently it was proposed to banks by the finance ministry that the credit limit on collateral free credit under KCC should be increased in a bid to hike the agricultural credit.<br />
<br />
The rate of interest as well as collateral needed and margin amount is decided by banks as per norms set by RBI. Rate of interest is subject to change from time to time depending upon the notification from the authorities.<br />
<br />
<strong><em>Advantages of KCC to the farmer:<br />
</em></strong><br />
1.Availability of adequate as well as timely credit facility.<br />
<br />
2.It offers farmers not only access to credit but also the discretion to decide upon the utilization of credit.<br />
<br />
3.Since repayment is fixed on annual basis, therefore credit requirement of the farmer is taken care of for the entire year.<br />
<br />
4.Opportunity to make unlimited withdrawals and repayments within the set credit limit.<br />
<br />
5.Personal accident cover offered is an added advantage to farmers.<br />
<br />
<strong><em>Pitfalls in the scheme:<br />
</em></strong><br />
1.Lack of awareness and education amongst farmers to understand the positive aspects of the scheme.<br />
<br />
2.Adequate credit requirements of the farmers has been found not met as envisaged in the plan.<br />
<br />
3.The documentation process for the scheme has been found to be a cause of concern for farmers sometimes.<br />
<br />
</div>',
		'credit_writer' => 'RupeeTimes.com, February, 2011, http://www.rupeetimes.com/article/credit_cards/kisan_credit_card_allowing_easy_credit_access_to_farmers_4964.html',
		'article_img' => '',
		'article_img_thumb' => '',
		'status' => (int) 1,
		'show_on_home' => (int) 1,
		'lang' => 'EN',
		'category_id' => (int) 16,
		'tag_keyword' => '',
		'seo_url' => 'kisan-credit-card-allowing-easy-credit-access-to-farmers-by-ankit-sharma-6158',
		'meta_title' => null,
		'meta_keywords' => null,
		'meta_description' => null,
		'noindex' => (int) 0,
		'publish_date' => object(Cake\I18n\FrozenDate) {},
		'most_visit_section_id' => null,
		'article_big_img' => null,
		'liveid' => (int) 6158,
		'created' => object(Cake\I18n\FrozenTime) {},
		'modified' => object(Cake\I18n\FrozenTime) {},
		'edate' => '',
		'tags' => [
			[maximum depth reached]
		],
		'category' => object(App\Model\Entity\Category) {},
		'[new]' => false,
		'[accessible]' => [
			[maximum depth reached]
		],
		'[dirty]' => [[maximum depth reached]],
		'[original]' => [[maximum depth reached]],
		'[virtual]' => [[maximum depth reached]],
		'[hasErrors]' => false,
		'[errors]' => [[maximum depth reached]],
		'[invalid]' => [[maximum depth reached]],
		'[repository]' => 'Articles'
	
	},
	'articleid' => (int) 6064,
	'metaTitle' => 'LATEST NEWS UPDATES | Kisan Credit Card: Allowing easy credit access to farmers by Ankit Sharma',
	'metaKeywords' => 'Agriculture',
	'metaDesc' => '
Non availability of timely credit has been a major drawback for the agricultural sector of India. In a country which relies mostly on agriculture, constant endeavors are needed to see that rural and agricultural credit facilities are enhanced with time....',
	'disp' => '<div align="justify">Non availability of timely credit has been a major drawback for the agricultural sector of India. In a country which relies mostly on agriculture, constant endeavors are needed to see that rural and agricultural credit facilities are enhanced with time. As a part of these efforts, agricultural credit cards got introduced in the agricultural lending system. Similarly cash credit facility was also being offered by many banks.<br /><br />However, a major shortfall in these schemes remained the fact that they were concentrated mainly to the niche segment. The farmers lying in the higher end of the pyramid received access to these schemes while the marginal and small ones still remained unprivileged. The inability of these schemes to market themselves in mass scale led to the establishment of Kisan Credit Card (KCC) scheme.<br /><br />The KCC scheme was formulated by Government of India (GOI) after consultation with Reserve Bank of India (RBI) and National Bank for Agricultural and Rural Development (NABARD). The Union Budget of 1998-99 announced the idea to develop a model scheme for issuing Kisan Credit Cards to farmers. The scheme was circulated to commercial banks by RBI and cooperative banks by NABARD.<br /><br />The major objective behind setting up of the scheme was to allow for adequate and timely support to farmers in agricultural activities by banks in a cost effective manner.<br /><br /><strong><em>Features of Kisan Credit Cards:<br /></em></strong></div><div align="justify">&nbsp;</div><div align="justify">1.The card has been designed with the aim to provide benefits to farmers in meeting production and cultivation expenses as well as act as a cushion in case of contingencies.<br /><br />2.A credit cum passbook is also provided with KCC to the farmer.<br /><br />3.It offers revolving credit facility thereby allowing unlimited withdrawal as well as repayment within the pre designated limit.<br /><br />4.The card has a repayment period of 12 months. This means every withdrawal made has to be repaid in 12 months time.<br /><br />5.The validity of the card lies for 3 years subject to annual review.<br /><br />6.Credit limit has the option to be enhanced on need and performance basis.<br /><br />7.Rescheduling/conversion of loans is possible in case of genuine situations like natural calamities.<br /><br />8.Personal Accident Insurance up to Rs.50, 000 is offered to the card holder under Personal Accident Insurance Scheme (PAIS).<br /><br />In order to be eligible for a KCC, the farmer must have good track record for atleast two previous years. In case of new borrowers a proof of operational land holding is necessary. Furthermore the farmer's reputation in the village also plays an important role in defining his eligibility for KCC.<br /><br />Credit limit of the card varies from one card holder to another. It depends on the operational land holding and the type of crops desired to be grown and the pattern of cropping too. The scale of finance is usually recommended by District Level Technical Committee (DLTC)/State Level Technical Committee (SLTC). In case the scale has not been recommended, banks are allowed to set the scale of finance.<br /><br />Recently it was proposed to banks by the finance ministry that the credit limit on collateral free credit under KCC should be increased in a bid to hike the agricultural credit.<br /><br />The rate of interest as well as collateral needed and margin amount is decided by banks as per norms set by RBI. Rate of interest is subject to change from time to time depending upon the notification from the authorities.<br /><br /><strong><em>Advantages of KCC to the farmer:<br /></em></strong><br />1.Availability of adequate as well as timely credit facility.<br /><br />2.It offers farmers not only access to credit but also the discretion to decide upon the utilization of credit.<br /><br />3.Since repayment is fixed on annual basis, therefore credit requirement of the farmer is taken care of for the entire year.<br /><br />4.Opportunity to make unlimited withdrawals and repayments within the set credit limit.<br /><br />5.Personal accident cover offered is an added advantage to farmers.<br /><br /><strong><em>Pitfalls in the scheme:<br /></em></strong><br />1.Lack of awareness and education amongst farmers to understand the positive aspects of the scheme.<br /><br />2.Adequate credit requirements of the farmers has been found not met as envisaged in the plan.<br /><br />3.The documentation process for the scheme has been found to be a cause of concern for farmers sometimes.<br /><br /></div>',
	'lang' => 'English',
	'SITE_URL' => 'https://im4change.in/',
	'site_title' => 'im4change',
	'adminprix' => 'admin'
]
$article_current = object(App\Model\Entity\Article) {

	'id' => (int) 6064,
	'title' => 'Kisan Credit Card: Allowing easy credit access to farmers by Ankit Sharma',
	'subheading' => '',
	'description' => '<div align="justify">
Non availability of timely credit has been a major drawback for the agricultural sector of India. In a country which relies mostly on agriculture, constant endeavors are needed to see that rural and agricultural credit facilities are enhanced with time. As a part of these efforts, agricultural credit cards got introduced in the agricultural lending system. Similarly cash credit facility was also being offered by many banks.<br />
<br />
However, a major shortfall in these schemes remained the fact that they were concentrated mainly to the niche segment. The farmers lying in the higher end of the pyramid received access to these schemes while the marginal and small ones still remained unprivileged. The inability of these schemes to market themselves in mass scale led to the establishment of Kisan Credit Card (KCC) scheme.<br />
<br />
The KCC scheme was formulated by Government of India (GOI) after consultation with Reserve Bank of India (RBI) and National Bank for Agricultural and Rural Development (NABARD). The Union Budget of 1998-99 announced the idea to develop a model scheme for issuing Kisan Credit Cards to farmers. The scheme was circulated to commercial banks by RBI and cooperative banks by NABARD.<br />
<br />
The major objective behind setting up of the scheme was to allow for adequate and timely support to farmers in agricultural activities by banks in a cost effective manner.<br />
<br />
<strong><em>Features of Kisan Credit Cards:<br />
</em></strong>
</div>
<div align="justify">
&nbsp;
</div>
<div align="justify">
1.The card has been designed with the aim to provide benefits to farmers in meeting production and cultivation expenses as well as act as a cushion in case of contingencies.<br />
<br />
2.A credit cum passbook is also provided with KCC to the farmer.<br />
<br />
3.It offers revolving credit facility thereby allowing unlimited withdrawal as well as repayment within the pre designated limit.<br />
<br />
4.The card has a repayment period of 12 months. This means every withdrawal made has to be repaid in 12 months time.<br />
<br />
5.The validity of the card lies for 3 years subject to annual review.<br />
<br />
6.Credit limit has the option to be enhanced on need and performance basis.<br />
<br />
7.Rescheduling/conversion of loans is possible in case of genuine situations like natural calamities.<br />
<br />
8.Personal Accident Insurance up to Rs.50, 000 is offered to the card holder under Personal Accident Insurance Scheme (PAIS).<br />
<br />
In order to be eligible for a KCC, the farmer must have good track record for atleast two previous years. In case of new borrowers a proof of operational land holding is necessary. Furthermore the farmer's reputation in the village also plays an important role in defining his eligibility for KCC.<br />
<br />
Credit limit of the card varies from one card holder to another. It depends on the operational land holding and the type of crops desired to be grown and the pattern of cropping too. The scale of finance is usually recommended by District Level Technical Committee (DLTC)/State Level Technical Committee (SLTC). In case the scale has not been recommended, banks are allowed to set the scale of finance.<br />
<br />
Recently it was proposed to banks by the finance ministry that the credit limit on collateral free credit under KCC should be increased in a bid to hike the agricultural credit.<br />
<br />
The rate of interest as well as collateral needed and margin amount is decided by banks as per norms set by RBI. Rate of interest is subject to change from time to time depending upon the notification from the authorities.<br />
<br />
<strong><em>Advantages of KCC to the farmer:<br />
</em></strong><br />
1.Availability of adequate as well as timely credit facility.<br />
<br />
2.It offers farmers not only access to credit but also the discretion to decide upon the utilization of credit.<br />
<br />
3.Since repayment is fixed on annual basis, therefore credit requirement of the farmer is taken care of for the entire year.<br />
<br />
4.Opportunity to make unlimited withdrawals and repayments within the set credit limit.<br />
<br />
5.Personal accident cover offered is an added advantage to farmers.<br />
<br />
<strong><em>Pitfalls in the scheme:<br />
</em></strong><br />
1.Lack of awareness and education amongst farmers to understand the positive aspects of the scheme.<br />
<br />
2.Adequate credit requirements of the farmers has been found not met as envisaged in the plan.<br />
<br />
3.The documentation process for the scheme has been found to be a cause of concern for farmers sometimes.<br />
<br />
</div>',
	'credit_writer' => 'RupeeTimes.com, February, 2011, http://www.rupeetimes.com/article/credit_cards/kisan_credit_card_allowing_easy_credit_access_to_farmers_4964.html',
	'article_img' => '',
	'article_img_thumb' => '',
	'status' => (int) 1,
	'show_on_home' => (int) 1,
	'lang' => 'EN',
	'category_id' => (int) 16,
	'tag_keyword' => '',
	'seo_url' => 'kisan-credit-card-allowing-easy-credit-access-to-farmers-by-ankit-sharma-6158',
	'meta_title' => null,
	'meta_keywords' => null,
	'meta_description' => null,
	'noindex' => (int) 0,
	'publish_date' => object(Cake\I18n\FrozenDate) {},
	'most_visit_section_id' => null,
	'article_big_img' => null,
	'liveid' => (int) 6158,
	'created' => object(Cake\I18n\FrozenTime) {},
	'modified' => object(Cake\I18n\FrozenTime) {},
	'edate' => '',
	'tags' => [
		(int) 0 => object(Cake\ORM\Entity) {}
	],
	'category' => object(App\Model\Entity\Category) {},
	'[new]' => false,
	'[accessible]' => [
		'*' => true,
		'id' => false
	],
	'[dirty]' => [],
	'[original]' => [],
	'[virtual]' => [],
	'[hasErrors]' => false,
	'[errors]' => [],
	'[invalid]' => [],
	'[repository]' => 'Articles'

}
$articleid = (int) 6064
$metaTitle = 'LATEST NEWS UPDATES | Kisan Credit Card: Allowing easy credit access to farmers by Ankit Sharma'
$metaKeywords = 'Agriculture'
$metaDesc = '
Non availability of timely credit has been a major drawback for the agricultural sector of India. In a country which relies mostly on agriculture, constant endeavors are needed to see that rural and agricultural credit facilities are enhanced with time....'
$disp = '<div align="justify">Non availability of timely credit has been a major drawback for the agricultural sector of India. In a country which relies mostly on agriculture, constant endeavors are needed to see that rural and agricultural credit facilities are enhanced with time. As a part of these efforts, agricultural credit cards got introduced in the agricultural lending system. Similarly cash credit facility was also being offered by many banks.<br /><br />However, a major shortfall in these schemes remained the fact that they were concentrated mainly to the niche segment. The farmers lying in the higher end of the pyramid received access to these schemes while the marginal and small ones still remained unprivileged. The inability of these schemes to market themselves in mass scale led to the establishment of Kisan Credit Card (KCC) scheme.<br /><br />The KCC scheme was formulated by Government of India (GOI) after consultation with Reserve Bank of India (RBI) and National Bank for Agricultural and Rural Development (NABARD). The Union Budget of 1998-99 announced the idea to develop a model scheme for issuing Kisan Credit Cards to farmers. The scheme was circulated to commercial banks by RBI and cooperative banks by NABARD.<br /><br />The major objective behind setting up of the scheme was to allow for adequate and timely support to farmers in agricultural activities by banks in a cost effective manner.<br /><br /><strong><em>Features of Kisan Credit Cards:<br /></em></strong></div><div align="justify">&nbsp;</div><div align="justify">1.The card has been designed with the aim to provide benefits to farmers in meeting production and cultivation expenses as well as act as a cushion in case of contingencies.<br /><br />2.A credit cum passbook is also provided with KCC to the farmer.<br /><br />3.It offers revolving credit facility thereby allowing unlimited withdrawal as well as repayment within the pre designated limit.<br /><br />4.The card has a repayment period of 12 months. This means every withdrawal made has to be repaid in 12 months time.<br /><br />5.The validity of the card lies for 3 years subject to annual review.<br /><br />6.Credit limit has the option to be enhanced on need and performance basis.<br /><br />7.Rescheduling/conversion of loans is possible in case of genuine situations like natural calamities.<br /><br />8.Personal Accident Insurance up to Rs.50, 000 is offered to the card holder under Personal Accident Insurance Scheme (PAIS).<br /><br />In order to be eligible for a KCC, the farmer must have good track record for atleast two previous years. In case of new borrowers a proof of operational land holding is necessary. Furthermore the farmer's reputation in the village also plays an important role in defining his eligibility for KCC.<br /><br />Credit limit of the card varies from one card holder to another. It depends on the operational land holding and the type of crops desired to be grown and the pattern of cropping too. The scale of finance is usually recommended by District Level Technical Committee (DLTC)/State Level Technical Committee (SLTC). In case the scale has not been recommended, banks are allowed to set the scale of finance.<br /><br />Recently it was proposed to banks by the finance ministry that the credit limit on collateral free credit under KCC should be increased in a bid to hike the agricultural credit.<br /><br />The rate of interest as well as collateral needed and margin amount is decided by banks as per norms set by RBI. Rate of interest is subject to change from time to time depending upon the notification from the authorities.<br /><br /><strong><em>Advantages of KCC to the farmer:<br /></em></strong><br />1.Availability of adequate as well as timely credit facility.<br /><br />2.It offers farmers not only access to credit but also the discretion to decide upon the utilization of credit.<br /><br />3.Since repayment is fixed on annual basis, therefore credit requirement of the farmer is taken care of for the entire year.<br /><br />4.Opportunity to make unlimited withdrawals and repayments within the set credit limit.<br /><br />5.Personal accident cover offered is an added advantage to farmers.<br /><br /><strong><em>Pitfalls in the scheme:<br /></em></strong><br />1.Lack of awareness and education amongst farmers to understand the positive aspects of the scheme.<br /><br />2.Adequate credit requirements of the farmers has been found not met as envisaged in the plan.<br /><br />3.The documentation process for the scheme has been found to be a cause of concern for farmers sometimes.<br /><br /></div>'
$lang = 'English'
$SITE_URL = 'https://im4change.in/'
$site_title = 'im4change'
$adminprix = 'admin'

include - APP/Template/Layout/printlayout.ctp, line 8
Cake\View\View::_evaluate() - CORE/src/View/View.php, line 1413
Cake\View\View::_render() - CORE/src/View/View.php, line 1374
Cake\View\View::renderLayout() - CORE/src/View/View.php, line 927
Cake\View\View::render() - CORE/src/View/View.php, line 885
Cake\Controller\Controller::render() - CORE/src/Controller/Controller.php, line 791
Cake\Http\ActionDispatcher::_invoke() - CORE/src/Http/ActionDispatcher.php, line 126
Cake\Http\ActionDispatcher::dispatch() - CORE/src/Http/ActionDispatcher.php, line 94
Cake\Http\BaseApplication::__invoke() - CORE/src/Http/BaseApplication.php, line 235
Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
Cake\Routing\Middleware\RoutingMiddleware::__invoke() - CORE/src/Routing/Middleware/RoutingMiddleware.php, line 162
Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
Cake\Routing\Middleware\AssetMiddleware::__invoke() - CORE/src/Routing/Middleware/AssetMiddleware.php, line 88
Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
Cake\Error\Middleware\ErrorHandlerMiddleware::__invoke() - CORE/src/Error/Middleware/ErrorHandlerMiddleware.php, line 96
Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
Cake\Http\Runner::run() - CORE/src/Http/Runner.php, line 51

Kisan Credit Card: Allowing easy credit access to farmers by Ankit Sharma

Non availability of timely credit has been a major drawback for the agricultural sector of India. In a country which relies mostly on agriculture, constant endeavors are needed to see that rural and agricultural credit facilities are enhanced with time. As a part of these efforts, agricultural credit cards got introduced in the agricultural lending system. Similarly cash credit facility was also being offered by many banks. However, a major shortfall in these schemes remained the fact that they were concentrated mainly to the niche segment. The farmers lying in the higher end of the pyramid received access to these schemes while the marginal and small ones still remained unprivileged. The inability of these schemes to market themselves in mass scale led to the establishment of Kisan Credit Card (KCC) scheme. The KCC scheme was formulated by Government of India (GOI) after consultation with Reserve Bank of India (RBI) and National Bank for Agricultural and Rural Development (NABARD). The Union Budget of 1998-99 announced the idea to develop a model scheme for issuing Kisan Credit Cards to farmers. The scheme was circulated to commercial banks by RBI and cooperative banks by NABARD. The major objective behind setting up of the scheme was to allow for adequate and timely support to farmers in agricultural activities by banks in a cost effective manner. Features of Kisan Credit Cards:   1.The card has been designed with the aim to provide benefits to farmers in meeting production and cultivation expenses as well as act as a cushion in case of contingencies. 2.A credit cum passbook is also provided with KCC to the farmer. 3.It offers revolving credit facility thereby allowing unlimited withdrawal as well as repayment within the pre designated limit. 4.The card has a repayment period of 12 months. This means every withdrawal made has to be repaid in 12 months time. 5.The validity of the card lies for 3 years subject to annual review. 6.Credit limit has the option to be enhanced on need and performance basis. 7.Rescheduling/conversion of loans is possible in case of genuine situations like natural calamities. 8.Personal Accident Insurance up to Rs.50, 000 is offered to the card holder under Personal Accident Insurance Scheme (PAIS). In order to be eligible for a KCC, the farmer must have good track record for atleast two previous years. In case of new borrowers a proof of operational land holding is necessary. Furthermore the farmer's reputation in the village also plays an important role in defining his eligibility for KCC. Credit limit of the card varies from one card holder to another. It depends on the operational land holding and the type of crops desired to be grown and the pattern of cropping too. The scale of finance is usually recommended by District Level Technical Committee (DLTC)/State Level Technical Committee (SLTC). In case the scale has not been recommended, banks are allowed to set the scale of finance. Recently it was proposed to banks by the finance ministry that the credit limit on collateral free credit under KCC should be increased in a bid to hike the agricultural credit. The rate of interest as well as collateral needed and margin amount is decided by banks as per norms set by RBI. Rate of interest is subject to change from time to time depending upon the notification from the authorities. Advantages of KCC to the farmer: 1.Availability of adequate as well as timely credit facility. 2.It offers farmers not only access to credit but also the discretion to decide upon the utilization of credit. 3.Since repayment is fixed on annual basis, therefore credit requirement of the farmer is taken care of for the entire year. 4.Opportunity to make unlimited withdrawals and repayments within the set credit limit. 5.Personal accident cover offered is an added advantage to farmers. Pitfalls in the scheme: 1.Lack of awareness and education amongst farmers to understand the positive aspects of the scheme. 2.Adequate credit requirements of the farmers has been found not met as envisaged in the plan. 3.The documentation process for the scheme has been found to be a cause of concern for farmers sometimes.