Question: asking about kisan credit card 
Answer: told him that under this scheme, the farmers can avail concessional crop loans of up to rs.3 lakh at 7 per cent rate of interest. it also provides for an additional subvention of 3 per cent for prompt repayment within a period of one year from the date of advance. the scheme will help farmers to avail short term crop loans up to rs. 3 lakh payable within one year at only 4 per cent per annum. in case farmers do not repay the short term crop loan in time they would be eligible for interest subvention of 2% as against 5% available above.