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माननीय प्रधानमंत्री ने राष्ट्र की स्वतंत्रता के 75 वर्ष पूर्ण हो जाने पर वर्ष 2022 तक सभी के लिए आवास की परिकल्पना की है। इस उद्येश्य की प्राप्ति के लिए केन्द्र सरकार ने एंक व्यापक मिशन "2022 तक सबके लिए आवास" शुरू किया है। 25 जून 2015 को प्रधानमंत्री श्री नरेन्द्र मोदी ने इस बहुप्रतीक्षित योजना को प्रधानमंत्री आवास योजना के नाम से प्रारम्भ किया है।
Hon’ble Prime Minister envisioned housing for All by 2022 when the Nation completes 75 years of its Independence. In order to achieve this objective, Central Government has launched a comprehensive mission “Housing for All by 2022”. This much awaited scheme has been launched by the Prime Minister of India, Sh. Narendra Modi on 25th June, 2015 as Pradhan Mantri Awas Yojana.

2019-02-04

Indian Banking Association issues advisory guidelines requesting banks to waive off processing, documentation, inspection, ledger folio charges and all other service charges for Kisan Credit Card/crop loans upto 3 Lakhs

Ministry of Agriculture & Farmers Welfare

Indian Banking Association issues advisory guidelines requesting banks to waive off processing, documentation, inspection, ledger folio charges and all other service charges for Kisan Credit Card/crop loans upto 3 Lakhs

Posted On: 04 FEB 2019 7:17PM by PIB Delhi

In yet another move to provide direct benefit to farmers and ease the pressure on them, the Indian Banking Association today issued advisory guidelines requesting banks to waive off the processing, documentation, inspection, ledger folio charges and all other service charges for Kisan Credit Card /crop loans upto 3 Lakhs.

In India, Land Holding pattern is dominated by Small and Marginal farmers (SMF) category Roughly 85 per cent of the total operational holding I the country (about 43 percent of the gross cropped area) are in the SMF category. There are around 21.6 crore small and marginal farmers (or 4.3 crore families). Providing timely and affordable credit to this resource constrained group is the key to attaining inclusive growth. The small and Marginal farmers are the most affected during times of floods, droughts, and other natural calamities. As per parliamentary standing committee on Agriculture the losses due to climate change account for overall GDP loss of 1.5% of agriculture economy. The instability in income of the farmers due to various types of risks involved in production, low bargaining power, etc, add more distress to the already affected farmers.

The Kisan Credit Card Scheme aims at providing adequate and timely credit support from the banking system under a single window with flexible and simplified procedure to the farmers to meet the short term credit requirements for cultivation of crops, investment credit requirements for agriculture and allied activities and other needs.

In this context, it was learnt that some of scheduled commercial banks are collecting a nominal amount of service charges towards processing, documentation, inspection, etc. for agriculture loans. However, some of the banks are collecting service charges which are at a bit higher. This is not irrespective of whether the loan is sanctioned or not. This often acts as a deterrent for the farmers to approach the banks for loans.

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Source : PIB

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