KCC 2% interest subvention not credited? File one RTI

Mahesh, KCC holder, repaid loan on time but 3% incentive never credited. 17 days after RTI, bank replied: subvention claim was filed late; corrected and refunded.

- DAFD Interest Subvention Scheme (latest 2023). - NABARD KCC Operational Guidelines. - §6(1) + §7(1) RTI Act.

To, PIO, [Bank] + NABARD + DAFD, [Address]

Subject: §6(1) RTI Act — KCC interest subvention / incentive credit

   Member name    : [Name]
   KCC account no.: [Reference]
   Crop year      : Kharif/Rabi YYYY
   Loan amount    : ₹___
   Repayment date : DD-MM-YYYY (on time)

Please provide:
1. Subvention 2% claim status with bank.
2. Prompt-repayment 3% incentive claim status.
3. Date of bank's claim filing with DAFD/NABARD.
4. Date of credit to my account.
5. Reason for any delay/non-credit.
6. Procedure for grievance escalation.

Citizen. Fee: ₹10 IPO/DD enclosed.
[Name + signature + address + date]

- Bank's claim filed late. - Repayment cut-off mis-recorded. - Crop-loan vs term-loan classification. - Insurance claim deducted from incentive. - Multi-bank KCC — coordination.

- CIC Interest Subvention v. DAFD (2020) — disclosure of state-wise claim pendency.

4% if both subvention + incentive claimed.

Within due date for full incentive.

Per-year claim.

KCC interest subvention = farmer protection. RTI breaks bank-DAFD claim delays.

- DAFD Interest Subvention Scheme 2023. - NABARD Guidelines.

Last reviewed: 24 April 2026.

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