TPFKCC
To Provide Interest Subvention to Fishermen of the State at the Rate of 4% to the Beneficiaries Kishan Credit Card
5.9/10The scheme aims to provide 4% interest subvention to the fishermen in Gujarat on timely repayment of short-term loans taken through the Kisan Credit Card.
States / UT: Gujarat
Nodal department: Agriculture, Farmers Welfare and Cooperation Department
Scheme for: Individual
Scheme profile
DBT (direct benefit transfer): No
Categories: Agriculture,Rural & Environment
Sub-categories: Fishing and hunting
Target beneficiaries: Individual
Tags: Agriculture, Fisherman, Interest Subvention
Details
The scheme "To Provide Interest Subvention to Fishermen of the State at the Rate of 4% to the Beneficiaries Kishan Credit Card" introduced by the Agriculture, Farmers Welfare and Cooperation Department, Gujarat, aims to provide interest subvention to fishermen who avail short-term loans under the Kisan Credit Card scheme. If the loan is repaid on time, the beneficiaries receive a 4% interest relief, which helps reduce their financial burden and support sustainable fisheries-based livelihoods. The benefit can be claimed once per financial year.
Benefits
- Name of Component Standard of Assistance Minimum Time Limit (in Year) for Reclaiming Benefits) To provide interest subvention to fishermen of the state at the rate of 4% to the beneficiaries Kishan Credit Card.4% interest subvention on timely repayment of short-term loans taken by animal husbandry up to ₹2 00 000/-.only once in a financial year
Name of Component Standard of Assistance **Minimum Time Limit (in Year) for Reclaiming Benefits)**To provide interest subvention to fishermen of the state at the rate of 4% to the beneficiaries Kishan Credit Card.4% interest subvention on timely repayment of short-term loans taken by animal husbandry up to ₹2,00,000/-.only once in a financial year
Eligibility
- The applicant must be a fisherman.
- The applicant must have taken a short-term loan from any of the following during the financial year:
- Primary Agricultural Credit Cooperative Society
- District Central Cooperative Bank
- Nationalized Bank
- Gramin Bank
- Private Bank
- The applicant must have repaid the loan on time.
How useful is this scheme?
A practical look at this scheme for citizens
AI-generated insights showing how useful, accessible, and practical this scheme may be — combining deterministic scoring rules with a public-policy LLM analyst.
- Accessibility5.0
- Financial impact9.0
- Rural utility6.0
- Awareness4.0
- Simplicity5.0
- Inclusivity4.0
What problem does this scheme solve?
The scheme provides financial relief to fishermen through interest subvention, supporting their livelihoods.
Key challenges addressed
- High interest rates on loans for fishermen
- Financial burden on timely loan repayment
Most beneficial for
- Fishermen in Gujarat
Likely challenges
- Limited awareness among fishermen
- Dependency on banks for application process
Practical insights for citizens
Practical for those with bank access but may exclude others
Rural challenges
- Limited access to banking services
- Awareness of the scheme
Implementation bottlenecks
- Bank submission process may delay benefits
Awareness challenges
- Low awareness among fishermen about the scheme
Application analysis
- Application mode
- Offline office
- Documents burden
- Moderate, requires multiple proofs
- Verification complexity
- Moderate, dependent on bank submissions
- Office dependency
- High, requires interaction with banks and local authorities
- CSC support
- Limited
- Estimated citizen effort
- Moderate, requires coordination with banks
Estimated beneficiary reach
Benefit analysis
- Benefit type
- Cash
- Benefit frequency
- Once per financial year
- Benefit practicality
- Practical for reducing loan burden
- Financial meaningfulness
- Moderate, helps but may not cover all costs
- Long-term impact
- Supports sustainable livelihoods for fishermen
Plain-language guidance
This scheme helps fishermen in Gujarat by providing a 4% interest relief on their loans if repaid on time. It aims to ease their financial burden.
- Who should apply
- Fishermen in Gujarat who have taken short-term loans.
- Who may struggle
- Fishermen without bank access or those unaware of the scheme.
- Best application route
- Apply through the bank where the loan was taken.
This intelligence section is generated by an AI policy analyst combined with rule-based scoring. Scores and narrative are estimates derived from the publicly available scheme information shown on this page; actual experience may vary by state, district, and department. Always confirm details on the official portal before you apply.
Application Process
Offline
- The bank from which the short term loan has been availed by the fisherman has to submit the integrated interest subvention proposal of its area of operation to the Registrar, Co-operative Societies, Gujarat State, Gandhinagar.
Clarifications
Additional points from the scheme information published on myScheme (not legal advice).
- What is the objective of this scheme?
The objective of this scheme is to offer a 4% interest relief on short-term loans taken under the Kisan Credit Card (KCC) scheme by fishermen who repay their loans on time.
- Who can benefit from this scheme?
Only fishermen from Gujarat who have taken a short-term KCC loan and repaid it within the due time are eligible to receive the interest subvention benefit.
- What is the maximum loan amount eligible under this scheme?
Under this scheme, interest subvention is provided on short-term KCC loans of up to ₹2,00,000/-.
- How often can a fisherman avail this benefit?
A fisherman can avail the interest subvention benefit only once in a financial year.
- Is an individual application required to avail the benefit?
No, individual applications are not required. The bank from which the fisherman has taken the loan submits a consolidated interest subvention proposal to the Registrar, Co-operative Societies.
- Which financial institutions are covered under this scheme?
The scheme covers loans taken from Primary Agricultural Credit Cooperative Societies, District Central Cooperative Banks, Nationalized Banks, Gramin Banks, and Private Banks.
- Is an individual application required to avail the benefit?
No, individual applications are not required. The bank from which the fisherman has taken the loan submits a consolidated interest subvention proposal to the Registrar, Co-operative Societies.
- What documents are required to claim the benefit?
Documents such as the KCC loan sanction letter, proof of timely loan repayment, identity proof, address proof, and bank account details are required to process the benefit.
- Who is responsible for processing the interest subvention?
The Registrar, Co-operative Societies, Gujarat State, Gandhinagar, is responsible for processing the interest subvention after receiving proposals from banks.
- Can a farmer who is not a fisherman avail this scheme?
No, this scheme is specifically designed for fishermen and does not apply to farmers engaged in other agricultural activities.
- Where can one find more details about this scheme?
More information about the scheme can be obtained from the bank where the loan was taken or from the office of the Registrar, Co-operative Societies, Gujarat State.
Official links
References
- Guidelines
- https://agri.gujarat.gov.in/Home/SchemesDetailsPage?Id=xKNwB8H6autaudV8AV83FA==&domain=v4lc2tu73R/9lWYKO76SRg==
Apply
Apply nowOpens the official application or programme portal in a new tab. If in doubt, confirm details on the ministry site.
Frequently asked questions
- What is the purpose of To Provide Interest Subvention to Fishermen of the State at the Rate of 4% to the Beneficiaries Kishan Credit Card?
- To Provide Interest Subvention to Fishermen of the State at the Rate of 4% to the Beneficiaries Kishan Credit Card is a government welfare initiative designed to support Individual, Individual through benefits related to Agriculture,Rural & Environment, financial assistance, subsidies, social welfare, healthcare, education, or livelihood support.
- Who can apply for To Provide Interest Subvention to Fishermen of the State at the Rate of 4% to the Beneficiaries Kishan Credit Card?
- Eligibility for To Provide Interest Subvention to Fishermen of the State at the Rate of 4% to the Beneficiaries Kishan Credit Card may depend on factors such as income category, age, gender, occupation, state of residence, social category, and government-defined beneficiary criteria.
- What benefits are offered under To Provide Interest Subvention to Fishermen of the State at the Rate of 4% to the Beneficiaries Kishan Credit Card?
- Benefits under To Provide Interest Subvention to Fishermen of the State at the Rate of 4% to the Beneficiaries Kishan Credit Card may include financial assistance, subsidies, scholarships, insurance support, healthcare benefits, pension support, training assistance, or welfare services depending on the scheme guidelines.
- Which department manages To Provide Interest Subvention to Fishermen of the State at the Rate of 4% to the Beneficiaries Kishan Credit Card?
- To Provide Interest Subvention to Fishermen of the State at the Rate of 4% to the Beneficiaries Kishan Credit Card is managed by Agriculture, Farmers Welfare and Cooperation Department and may be implemented through district offices, online portals, CSC centres, banks, or authorised government agencies.
- Can users apply online for To Provide Interest Subvention to Fishermen of the State at the Rate of 4% to the Beneficiaries Kishan Credit Card?
- Yes, eligible applicants may be able to apply online for To Provide Interest Subvention to Fishermen of the State at the Rate of 4% to the Beneficiaries Kishan Credit Card through official government portals, authorised service centres, or digital application systems depending on the implementation process.
- Is Aadhaar mandatory for To Provide Interest Subvention to Fishermen of the State at the Rate of 4% to the Beneficiaries Kishan Credit Card?
- Many government schemes may require Aadhaar verification, identity proof, or linked bank account details for beneficiary validation and direct benefit transfer processing.
- Where can users apply for To Provide Interest Subvention to Fishermen of the State at the Rate of 4% to the Beneficiaries Kishan Credit Card?
- Applications for To Provide Interest Subvention to Fishermen of the State at the Rate of 4% to the Beneficiaries Kishan Credit Card may be submitted through government departments, official scheme portals, CSC centres, district offices, welfare departments, or authorised service centres.
- What documents may be required for To Provide Interest Subvention to Fishermen of the State at the Rate of 4% to the Beneficiaries Kishan Credit Card?
- Applicants may need Aadhaar card, income certificate, residence proof, bank account details, caste certificate, photographs, educational records, or occupation-related documents depending on scheme eligibility requirements.
- Is income certificate required for To Provide Interest Subvention to Fishermen of the State at the Rate of 4% to the Beneficiaries Kishan Credit Card?
- Income certificate requirements may vary depending on beneficiary category, subsidy eligibility, and financial assistance criteria defined under To Provide Interest Subvention to Fishermen of the State at the Rate of 4% to the Beneficiaries Kishan Credit Card.
- Is To Provide Interest Subvention to Fishermen of the State at the Rate of 4% to the Beneficiaries Kishan Credit Card available in all states?
- No, To Provide Interest Subvention to Fishermen of the State at the Rate of 4% to the Beneficiaries Kishan Credit Card is primarily available for eligible residents of Gujarat and may be implemented through state government departments and local administrative offices.
- Can residents outside Gujarat apply for To Provide Interest Subvention to Fishermen of the State at the Rate of 4% to the Beneficiaries Kishan Credit Card?
- Eligibility for To Provide Interest Subvention to Fishermen of the State at the Rate of 4% to the Beneficiaries Kishan Credit Card is generally limited to residents of Gujarat unless otherwise specified in the official scheme guidelines.
- Can small and marginal farmers apply for To Provide Interest Subvention to Fishermen of the State at the Rate of 4% to the Beneficiaries Kishan Credit Card?
- Eligible small and marginal farmers may apply for To Provide Interest Subvention to Fishermen of the State at the Rate of 4% to the Beneficiaries Kishan Credit Card subject to land ownership records, income eligibility, and agricultural beneficiary criteria.
- Does To Provide Interest Subvention to Fishermen of the State at the Rate of 4% to the Beneficiaries Kishan Credit Card provide subsidy support for farmers?
- To Provide Interest Subvention to Fishermen of the State at the Rate of 4% to the Beneficiaries Kishan Credit Card may provide agricultural subsidies, financial assistance, crop support, irrigation benefits, insurance coverage, or farming-related welfare assistance depending on the scheme structure.
- Can CSC centres help users apply for To Provide Interest Subvention to Fishermen of the State at the Rate of 4% to the Beneficiaries Kishan Credit Card?
- Many government schemes may be accessible through nearby CSC centres, authorised digital service centres, or welfare facilitation offices.
- How can users check the latest updates for To Provide Interest Subvention to Fishermen of the State at the Rate of 4% to the Beneficiaries Kishan Credit Card?
- Users should verify official notifications, department announcements, application deadlines, and eligibility updates through authorised government portals or implementing agencies.
- Can beneficiaries track application status for To Provide Interest Subvention to Fishermen of the State at the Rate of 4% to the Beneficiaries Kishan Credit Card?
- Certain schemes may provide online application tracking, beneficiary verification systems, or status-check facilities through official portals.
- Where can users get help for To Provide Interest Subvention to Fishermen of the State at the Rate of 4% to the Beneficiaries Kishan Credit Card in Gujarat?
- Users in Gujarat may seek assistance through CSC centres, district welfare offices, government departments, agriculture offices, social welfare departments, or authorised facilitation centres.
- Which nearby public services may help with To Provide Interest Subvention to Fishermen of the State at the Rate of 4% to the Beneficiaries Kishan Credit Card applications?
- Depending on the scheme, users may require support from Aadhaar centres, CSC centres, banks, hospitals, post offices, or government welfare offices for document verification and application assistance.