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Here’s how You can Avail Loan up to 20 Lakhs without KCC; Check Complete Process

Pronami Chetia
Pronami Chetia

As lockdown is underway across the country, farmers and daily wage earners are suffering almost every day. Government has been releasing different relief measures and schemes to lessen the plight of sufferers and boost agriculture allied services for the upcoming Kharif season. However, many of these schemes and facilities are limited only to those who are linked with PM-KISAN or KCC (Kisan Credit Card). The non-beneficiary of PM-KISAN or KCC have been left out from getting the benefit of many government schemes and facilities. But still, there are different agricultural schemes through which farmers or agri-professional can avail all the benefits and take loans up to Lakhs without holding a Kisan Credit Card (KCC). However, to get that benefit, farmers need to meet certain standards set by the agriculture department.  

Moreover, agri-business is growing up as the most profitable business not only in India but across the globe where the chances of loss are very less. Meanwhile, the government has been taking several measures to fulfill all aspects of agriculture including post-harvest management, soil health, cropping system, plant safety, post-harvest storage, treatment facilities for animals and employment to boost India’s agri-scenario 

What is Agri-Clinic & Agribusiness Center Scheme (AC&ABC)?  

The scheme aims to promote the establishment of Agri-Clinics and Agri-Business Centres (ACABC) all over the country. In order to give a boost to the agriculture sector, the government has launched the Agri Clinic and Agribusiness Center (AC&ABC) Scheme for Agriculture Graduates to Higher Secondary pass (12th pass) students/farmers who want to pursue a career in agriculture. As per reports, interested people are trained for 45 days under this scheme. To fulfil this aim, many centers have been established across all the states. Farmers can easily get all the information by visiting this link http://www.agriclinics.net/ 

As per reports, all these training centres have been linked with the National Agricultural Extension Management Institute (MANAG) Hyderabad, which comes under the Ministry of Agriculture, Government of India.  

NABARD to Give Loan up to 20 Lakhs under AC& ABC Scheme  

After the training, the applicants will be provided full help to take a loan from NABARD to start a business related to the farming area.  NABARD will allow loan up to 20 Lakhs to the applicants (entrepreneurs) and up to Rs 1 crore to a group of five persons. Moreover, NBARD is offering 36 per cent subsidy to general category applicants and 44 per cent to applicants belonging to scheduled castes, Scheduled Tribes (SC/ST) and women.  


  • To supplement efforts of public extension by necessarily providing extension and other services to the farmers on payment basis or free of cost as per business model of agri-preneur, local needs and affordability of target group of farmers; 

  • To support agricultural development; and 

  • To create gainful self-employment opportunities to unemployed agricultural graduates, agricultural diploma holders, intermediate in agriculture and biological science graduates with PG in agri-related courses.

 How to Apply for Training under AC& ABC Scheme?  

Before starting an Agri clinic and Agribusiness, one has to apply online for training. Applicants can choose training centres as per their convenience. For more information, the farmer can also call this toll-free number 1800-425-1556.  

To apply, visit this link:-https://www.acabcmis.gov.in/ApplicantReg.aspx 

Click Here                                   

 Important Documents  

The applicant should keep the Aadhaar card number, e-mail ID, educational qualification, photo and bank account passbook document with them while applying online.  

For more information click http://www.agriclinics.net/ 

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