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Official Website : Rajasthan Sahkari Gopal Credit Card Yojana Portal : Apply Online सहकारी गोपाल क्रेडिट कार्ड ऋण योजना पोर्टल !

सहकारी गोपाल क्रेडिट कार्ड ऋण योजना पोर्टल

The Rajasthan government has introduced the Gopal Credit Card Yojana, inspired by the Kisan Credit Card, to offer short-term loans of up to ₹100,000 to small and marginal farmers. This initiative was announced by Deputy Chief Minister Rajkumari Divya Kumari on February 8, 2024. Its goal is to help farmers buy agricultural equipment, which will boost farming activities and improve their livelihoods. The scheme reflects the government’s dedication to ensuring financial stability for the agricultural community by providing interest-free loans and an online portal for easy applications.

Also, it aims to support animal husbandry, which creates jobs and provides daily income in rural areas. State Minister for Cooperation (Independent Charge) Gautam Kumar Deka highlighted that under Chief Minister Bhajan Lal Sharma’s guidance, this scheme represents an important move toward the well-being and prosperity of farmers and those involved in animal husbandry.

Budget Allocation for the Scheme :

• Total Budget : The Rajasthan government has set aside ₹150 crores for the Gopal Credit Card Yojana 2024.
• Purpose : This funding will support loans for farmers to buy agricultural equipment throughout the state.

Distribution of Loans :

• Loan Amount : Each qualified farmer can receive a loan of up to ₹100,000.
• Target Beneficiaries : The initiative is intended to assist over 5 lakh farmers in the state.
• Objective : The ₹150 crores allocation will facilitate the effective implementation and functioning of the scheme.

First Phase of the Scheme :

• Initial Phase : In the first stage, loans will distributed to 5 lakh farmers.
• Goal : This initial effort aims to enhance the reach and effectiveness of the Gopal Credit Card Yojana 2024.
• Expected Outcomes : The scheme aims to boost farmers’ income and promote their empowerment and independence.

Cooperative Gopal Credit Card Scheme :

Interest-Free Loan for Animal Husbandry :

• Launch Event : The interest-free loan portal was officially opened at a ceremony at Nehru Cooperative Bhavan.
• Announcement : The State Minister for Cooperation revealed that Rajasthan will offer short-term, interest-free loans up to ₹100,000 for one year to dairy farming families in rural areas, making it a first in the country.
• Loan Terms : Loans can taken without interest if repaid on time.
• Purpose : This initiative aims to help dairy farmers overcome financial challenges, such as funding essential equipment and infrastructure like sheds, fencing, and feed.
• Objective : The government seeks to enable dairy farmers to maximize the benefits from animal husbandry through these interest-free loans.

Online Loans for Animal Husbandry :

• Online Process : The loan application and approval will managed online under the Gopal Credit Card Scheme for transparency and convenience for dairy farming families.
• Application : Farmers can apply for loans at e-Mitra centers or local Gram Seva Cooperative Societies, requiring membership in the Primary Milk Producers Cooperative Society.
• Outreach Efforts : The Cooperation Minister plans to collaborate with dairy unions and central cooperative banks to provide loans to five lakh farmers through organised camps.
• Promotion : Officials are encouraged to promote the scheme widely to ensure it reaches as many dairy farmers as possible.

Benefits of the Gopal Credit Card Scheme :

• Funding Allocation : The Rajasthan government has set aside ₹150 crores for the Gopal Credit Card Yojana 2024, targeting around 5 lakh farmers across the state.
• Loan Amount : Each eligible farmer may receive up to ₹100,000, offering substantial support for agricultural practices.
• Inclusivity : The scheme will benefit farmers irrespective of caste or socio-economic status, ensuring equal access without discrimination.
• Agricultural Improvement : By providing financial assistance, the scheme aims to enhance farming practices, contributing to a more productive agricultural sector in Rajasthan.

Gopal Credit Card Scheme – Application Process :

• Similar to Kisan Credit Card Scheme: The application process will mirror that of the Kisan Credit Card Scheme.
• Issuance of GCC Card: Livestock owners will given a GCC card to access their loans.
• Current Status: The scheme has been announced, but applications are not yet open. Updates will provided when the application process begins.

Required Documents for application :

• Aadhaar Card
• Mobile Number
• Caste Certificate
• Residence Proof
• Farmer Card
• Income Certificate
• Bank Passbook
• Passport-sized Photograph

Eligibility for Gopal Credit Card Yojana 2024 :

• Residence Requirement : To eligible for the scheme and its benefits, applicants must reside in Rajasthan.
• Farmer Status : Individuals must actively engaged in farming activities within Rajasthan.
• Bank Account Requirement : Applicants need a personal bank account that is linked to their Aadhaar card.
• Use of Funds : The loan from this scheme can used by farmers for purchasing necessary agricultural equipment.

Significant Investment in the Cooperative Sector :

The Rajasthan government has approved a grant of ₹19,800.29 crores for the cooperative department.

• Cooperative Society Overview :
  • Rajasthan has over 1.35 crore members across 41,000 cooperative societies.
  • These societies hold more than ₹21,480 crores in share capital and over ₹1,37,096 crores in working capital.
  • About 20% of the state’s population engages with the cooperative sector, underscoring its vital role in rural development.
• Target for Crop Loans :
  • This financial year aims to distribute ₹23,000 crores in crop loans and enroll 5 lakh new members in cooperative societies.
  • By July 24, 2024, short-term crop loans have already reached 24 lakh farmers.
• Increased Loan Limits and Subsidies :
  • The maximum loan from cooperative banks will rise from ₹50 crores to ₹100 crores.
  • The interest subsidy for timely loan repayments has increased from 5% to 7%, encouraging prompt repayment and supporting cooperative lending.
• Plans to Increase Warehouse Capacity :
  • New warehouses will constructed with capacities of up to 500 metric tons, growing from the previous 100 metric tons.
  • The budget for this expansion has nearly tripled to ₹35 crores to ensure ample storage for agricultural products.
• Impact on Rural Development :
  • The expansion of cooperative lending and initiatives like the Gopal Credit Card are expected to greatly enhance rural development.
  • By improving credit access and investing in agriculture and animal husbandry, these efforts will support economic growth and elevate living standards in rural communities.
  • The Gopal Credit Card Yojana aims to boost financial inclusion for farmers by offering interest-free loans and strengthening the agricultural sector.