Loneitu te tana Loan ṭhami - KCC Loan

Tunhnai mai (17th Aug, 2022) a Union Cabinet ṭhukhawm chuan loneitute tana siam Bank loan, Kisan Credit Card (KCC) atana interest subvention (Bank loan pung sorkarin a tumsakna) chu kum 3 chhung (2022-25) atan interest subsidy zaa 1.5% in a tum belh leh dawn tih a puang a. Sum sen belh tur hi cheng vaibelchhe 34,856 zet a tling. Tun ṭum chu KCC Loan chungchang bakah Mizorama kan lo kalpui dan tlangpui tarlang ila a ṭha ang.

KCC loan chu engnge?

Kisan Credit Card (KCC) Scheme hi kum 1998 aṭang a bul ṭan niin, a tum ber chu loneia eizawngten an eizawna tihhmasawnna atan an mamawh ang tawk awlsam leh pung tlem bawk sia sum an puk theihna tur ruahhman a ni.

Kum 2011 Census ang chuan India ramah eizawngtu mipui zaa 54.6 zette chu loneih leh a kaih­hnawih eizawnnaa innghat an la ni a. Mizoramah pawh eizawngtu tam ber innghahna chu loneih leh a kaihhnawih tho a la ni. Chutih laiin kan state thawhchhuah belhkhawm zaa 25 vel chiah Agriculture & Allied sector aṭangin sum kan hmu a. Hei hian mi tam berte innghahna sector ngaihpawimawh a ṭulzia a tilang bawk. He kan dinhmun hi hriain sorkar chuan KCC Loan scheme hi a kalpui ta a ni.

Tuten nge Loan dil thei?

Reserve Bank of India chuan KCC loan kaihhruaina (Master Circular) a khat tawkin a tichhuak reng a. He loan hi a hun rei lo chi (short term loan) niin ranvulhtute, bawnghnute leh a kaihhnawih eizawng te, ar vulh leh Sanghadil siam etc te tana puk theih loan a ni. KCC loan hi Rs. 3,00,000 thleng dil theih niin kum 5 chhunga rulh zawh tur a ni a. Rs. 1,60,000 chinah chuan Bank ten dahkham leh guarantor phut loh tur a ni. He loan diltute chuan an hnathawhna atana an sum mamawh leh thawhchhuah tur ruahmmanna (Scale of Finance) siamin account an neihna Bank nen inbe remin loan an dil thei a ni.

Eng Bank ten nge KCC Loan pe ang?

KCC Loan hi public sector bank (SBI etc), Mizoram Rural Bank, Cooperative Bank, Private Bank, Small Finance Bank te bakah Primary Agricultural Credit Society (PACS) computerised zawng zawngten an pe thei vek a. A bikin thingtlang lamah chuan Co-operative bank leh MRB ten an pe chhuak nasa ber.

Financial Year 2021-22 chhung khan MRB chuan beneficiary (Unit) 28,976 te hnenah Rs. 36,093.84 lakhs an pe chhuak a. Mizoram Cooperative Apex Bank hian beneficiary 864 hnenah Rs. 1,060.25 lakhs an pechhuak ve bawk.

Interest Subsidy/ Subvention pek a ni

Tarlan tawh angin interest subsidy awmzia chu bank loan pung engemaw zat sorkarin mipuite a pek ṭhensak/a chawi pui hi a ni. KCC Loan-ah chauh lo pawh, PMEGP te, Housing for All scheme hnuaia Credit Linked Subsidy Scheme-ah te, NULM leh NRLM hnuaia SHG te loan lakah pawh interest subsidy hi pek a ni. KCC loan-ah chuan loan latuin a pung zaa 7% chauh a pe a, loan ṭha taka a rulh chuan a punna 3% ngaihdam leh niin zaa 4% chauhin loan an puk thei dawn a ni.

KCC Loan a Mizoram dinhmun

Financial Year liam ta, 2021-22 chhungin KCC loan hi beneficiary (unit) 47,113 hnehah cheng nuai 46,534.37 lai pekchhuah a ni. Amah­erawhchu, Financial Year 2021-22 chhung vek hian KCC Loan chhia (NPA) hi Mizoramah mi (Unit) 12,187 ah cheng nuai 9,511.68 lai a awm thung. Hei hian chiang taka a lantir chu Bank-ten loan pe chhuak ve ṭhin mahse loan chhiaah a chan fo ṭhin avangin Sorkar scheme tam tak hian a hlawhtlin tura beisei ang a thleng phak lo ta ṭhin a ni.

Harsatna hriat lawk loh thil (e.g vawk pul hri ASF hri leng ang te) chu kan sawi theih a awmlo a. Chuvangin eng scheme pawh nise, ṭha taka kalpui a nih theih nan loan latute kan rinawm hi a pawimawh em em a ni.

- Dr. Daniel Lalawmpuia Assistant Professor Department of Economics Pachhunga University College