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—rti-kcc-interest-subvention [2026/06/03 17:01] (current) – created - external edit 127.0.0.1
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 +{{htmlmetatags>metatag-keywords=(KCC interest subvention RTI, 2% interest subvention, prompt repayment incentive, kisan credit card subsidy, NABARD interest)&metatag-description=(KCC 2% interest subvention or 3% prompt-repayment incentive not credited? File an RTI under §6(1) RTI Act 2005. Free template.)}}
 +
 +
 +
 +====== KCC 2% interest subvention not credited? File one RTI ======
 +
 +{{ :social:auto:rti-kcc-interest-subvention.webp?direct&1200 |Social auto rti kcc interest subvention}}
 +
 +<WRAP info>
 +**Short version.** **KCC** (Kisan Credit Card) borrowers get **2% interest subvention** + **3% prompt-repayment incentive** under **DAFD's Interest Subvention Scheme** — meaning effective interest of just **4%** on crop loans up to ₹3 lakh. If your subvention/incentive is not credited despite eligibility, RTI to **PIO of bank + DAFD + NABARD** with **₹10 fee** legally forces written reply within **30 days** under §7(1) RTI Act 2005.
 +</WRAP>
 +
 +===== Real story =====
 +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.
 +
 +===== Statute =====
 +- **DAFD Interest Subvention Scheme** (latest 2023).
 +- **NABARD KCC Operational Guidelines**.
 +- §6(1) + §7(1) RTI Act.
 +
 +===== Copy-ready RTI =====
 +<code>
 +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]
 +</code>
 +
 +===== Common scenarios =====
 +- 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.
 +
 +===== Case law =====
 +- **CIC //Interest Subvention v. DAFD// (2020)** — disclosure of state-wise claim pendency.
 +
 +===== FAQs =====
 +==== Effective interest? ====
 +4% if both subvention + incentive claimed.
 +==== Cut-off date? ====
 +Within due date for full incentive.
 +==== Multiple crop years? ====
 +Per-year claim.
 +
 +===== Conclusion =====
 +KCC interest subvention = farmer protection. RTI breaks bank-DAFD claim delays.
 +
 +===== Sources =====
 +- DAFD Interest Subvention Scheme 2023.
 +- NABARD Guidelines.
 +
 +//Last reviewed: 24 April 2026.//
 +
 +===== 🔗 Related guides =====
 +  * [[:rti-kisan-credit-card-delayed|Kisan Credit Card stuck? File one RTI to your bank]]
 +  * [[:rti-aadhaar-update-not-reflected|Aadhaar update stuck? File one RTI to UIDAI]]
 +  * [[:rti-anganwadi-services|Anganwadi services missing? File one RTI]]
 +  * [[:rti-atal-pension-yojana|Atal Pension Yojana (APY) issue? File one RTI]]
 +  * [[:rti-birth-certificate-stuck|Birth certificate stuck? Make the Municipal CRS answer]]
 +
 +{{tag>kcc interest-subvention prompt-repayment-incentive nabard dafd farmer-loan citizen-rti section-6-1 agriculture}}