** --- ## What is DigiLocker? **DigiLocker** is a flagship initiative under the **Digital India** program. It provides a secure cloud-based platform for **storing, accessing, and sharing official documents and certificates** issued by various government agencies. ### Key Features of DigiLocker: * Access to authentic documents issued by the government * Linked with your Aadhaar number for secure login * Available as a mobile app and web portal * Recognized legally under the **Information Technology Act, 2000** * Used by over **100 million Indian citizens** --- ## Documents You Can Download Using DigiLocker The government has partnered with various departments to make their services available on DigiLocker. You can download: | **Type of Certificate** | **Issuing Department** | | ----------------------------- | ------------------------------------- | | Aadhaar Card | UIDAI | | PAN Card | Income Tax Department | | Driving License | Ministry of Road Transport & Highways | | Vehicle RC | MoRTH | | Caste Certificate | State Revenue Departments | | Income Certificate | State Government | | Birth & Death Certificates | Local Municipality / Health Dept | | Educational Certificates | CBSE, State Boards, Universities | | Voter ID | Election Commission of India | | Insurance Policy Documents | IRDA-registered companies | | COVID Vaccination Certificate | Ministry of Health | These documents are available in **PDF format** and are considered **legally valid**. --- ## How to Download Government Certificates on Mobile – Step-by-Step Guide ### Step 1: Download the DigiLocker App * Open Google Play Store (Android) or App Store (iOS) * Search for **“DigiLocker”** by MeitY, Government of India * Install and open the app ### Step 2: Register with Your Aadhaar * Tap on “**Sign Up**” * Enter your **mobile number** and verify with OTP * Set a username and password * Enter your **Aadhaar number** and verify with OTP > **Note:** Aadhaar is required to access documents issued in your name. ### Step 3: Access Your Documents * After login, go to **“Issued Documents”** * Click on **“Get More Documents”** * Select the issuing agency (like CBSE, UIDAI, Transport Dept, etc.) * Enter your details such as Aadhaar, PAN, driving license number * Tap **“Get Document”** Once retrieved, the document will be saved in your DigiLocker and can be downloaded anytime. --- ## Direct Website for Accessing All Government Certificates If you don’t want to use the mobile app, you can also use the **official DigiLocker website**: **[https://www.digilocker.gov.in/](https://www.digilocker.gov.in/)** This website allows you to: * Sign in using your mobile number * Access your Aadhaar-linked documents * Download and share e-documents * Verify certificates online It’s a single-point access system recognized by **over 250 government organizations** and **multiple state departments**. --- ## Benefits of Using DigiLocker to Download Certificates ### 1. Legal Validity All documents downloaded from DigiLocker are digitally signed and valid for all official purposes. ### 2. Secure Cloud Storage Your documents are stored securely and encrypted. You don’t have to carry physical papers everywhere. ### 3. Time-Saving No more waiting in queues or running between government offices. Access everything from your phone. ### 4. Free Service All services on DigiLocker are **completely free** for Indian citizens. ### 5. Accepted Across Government Departments Most government portals accept DigiLocker documents as original proof for identity, income, and education. --- ## State Government Certificates Available on DigiLocker Some states have integrated their services with DigiLocker. You can download: * **Caste Certificate** – Available for Karnataka, Maharashtra, Tamil Nadu, etc. * **Income Certificate** – Linked with your Aadhaar and state services * **Domicile Certificate** * **Land Records** (for some states like Maharashtra) * **Scholarship Applications** – Linked with educational board certificates Check if your **state department** is listed in the “Get More Documents” section in the app or website. --- ## Common Use Cases for Downloaded Certificates You can use these documents for: * Government job applications * Bank account opening * Applying for scholarships * College admissions * Submitting KYC documents * Income tax filing * Land registration and property records --- ## Frequently Asked Questions (FAQ) ### 1. Is DigiLocker safe to use? Yes, it is managed by the **Ministry of Electronics and Information Technology**, Government of India. It uses encrypted and secure login. ### 2. Can I use DigiLocker certificates instead of physical copies? Yes, they are legally valid and accepted by most institutions, as per the **IT Act, 2000**. ### 3. What happens if I change my mobile number? You can update your number in DigiLocker by logging in and changing your profile settings. ### 4. Do I need internet to show documents? You can **download documents in advance** and access them offline as PDFs. ### 5. Are all Indian citizens eligible to use DigiLocker? Yes, anyone with a valid **Aadhaar number** and mobile number can register. --- ## Tips to Get the Most Out of DigiLocker * Always keep your **Aadhaar and mobile number updated** for quick OTP verification. * Link your **PAN, Driving License, and Board Roll Numbers** in DigiLocker for automatic syncing. * Use DigiLocker while applying for **Karnataka state government schemes** to avoid physical documentation. * For **students**, upload educational marks cards and certificates to avoid losing originals. --- ## Final Thoughts If you're looking for a **safe, legal, and hassle-free** way to access all your government-issued certificates in one place, **DigiLocker is the best official solution**. It saves time, eliminates paperwork, and ensures your documents are always accessible—right from your mobile device. With just a few clicks, you can download **birth certificates, Aadhaar, PAN, driving licenses, caste and income certificates**, and more—all in **digital format**, fully recognized by government authorities. ### 👉 Visit Now: [https://www.digilocker.gov.in/](https://www.digilocker.gov.in/) Start downloading your documents today and experience **digital governance at your fingertips**. --- Would you like a **Kannada version** of this post for your site as well? I can translate or localize this content to reach a broader Karnataka audience. Let me know!](https://kar.kannadavidhya.com/wp-content/uploads/2025/06/How-to-Download-All-Government-Certificates-on-Mobile.jpg)
Kisan Credit Card Scheme 2025: Farmers Can Now Get Up to ₹5 Lakh Loan with Interest Subsidy
Good news for Indian farmers! The Government of India has expanded the Kisan Credit Card (KCC) scheme, now offering loans up to ₹5 lakh at subsidized interest rates. This major policy decision is aimed at strengthening the financial backbone of India’s agricultural sector, helping farmers across the country invest in farming, animal husbandry, fisheries, and allied activities.
This comprehensive guide provides all the essential details about the KCC loan limit increase, eligibility, benefits, interest subsidy, and how to apply both online and offline.
What is the Kisan Credit Card (KCC) Scheme?
Launched in 1998 by NABARD and the Reserve Bank of India (RBI), the Kisan Credit Card scheme was introduced to provide short-term credit support to farmers at low interest rates. Initially meant for crop loans, the scheme was later extended to cover allied sectors like dairy, poultry, and fisheries.
Now, with digitization and policy expansion, the scheme has evolved into a comprehensive credit support system for all types of agricultural operations.
Key Highlights of the KCC Scheme in 2025
| Feature | Updated Details |
|---|---|
| Loan Limit | Increased to ₹5 lakh |
| Standard Interest Rate | 7% per annum |
| Subsidized Interest Rate | 4% (with timely repayment) |
| Sectors Covered | Farming, Dairy, Poultry, Fisheries |
| Launched In | 1998 |
| Digital Portal | Kisan Report Portal (KRP) |
| Total Beneficiaries | Over 5.9 crore farmers |
| Target Beneficiaries (2025) | 7.7 crore farmers |
KCC Scheme Benefits for Farmers
The new ₹5 lakh loan limit under the Kisan Credit Card scheme brings several significant benefits:
✅ 1. Low-Interest Loans
Farmers can now avail loans at just 7% interest per annum, with a 3% government interest subsidy for timely repayment, reducing the effective interest rate to just 4%.
✅ 2. No Collateral up to ₹2 Lakh
Loans up to ₹2 lakh are collateral-free, making it easier for small and marginal farmers to access funds without pledging land or property.
✅ 3. Coverage Beyond Farming
The scheme now covers:
- Animal Husbandry
- Poultry Farming
- Fisheries
- Beekeeping
- Agriculture Infrastructure (cold storage, farm equipment, etc.)
✅ 4. Digital Convenience
Farmers can apply online through the Kisan Report Portal (KRP), reducing the need to visit banks physically.
✅ 5. Support for Entire Crop Cycle
Funds can be used for:
- Seeds and fertilizers
- Irrigation tools and pump sets
- Post-harvest expenses (storage, transport)
- Marketing and sales
✅ 6. Boost to Rural Economy
The KCC scheme is also a powerful tool to generate rural employment and stimulate the rural economy through increased credit flow.
Loan Eligibility and Interest Subsidy
To qualify for the scheme, the applicant must:
- Be a citizen of India
- Be an owner-cultivator, tenant farmer, sharecropper, or involved in animal husbandry/fisheries
- Have a valid Aadhaar, land records, and bank account
🔸 Interest Subsidy Breakdown:
- Base Interest: 7%
- Subsidy: 3% (if repayment is timely)
- Effective Interest Rate: 4%
This interest subsidy is directly credited to the farmer’s bank account, helping reduce the financial burden.
KCC Scheme Details in Table Format
| Parameter | Details |
|---|---|
| Scheme Name | Kisan Credit Card (KCC) |
| Introduced In | 1998 |
| Revised Loan Limit (2025) | ₹5,00,000 |
| Collateral-Free Limit | ₹2,00,000 |
| Interest Rate (Standard) | 7% per annum |
| Interest Rate (Subsidized) | 4% per annum |
| Applicable Sectors | Agriculture, Dairy, Poultry, Fisheries |
| Application Modes | Online via PM-Kisan or Bank website, Offline through bank branches |
| Documents Required | Aadhaar, Land Records, Bank Details, Passport-sized Photo |
| Digital Platform | Kisan Report Portal (KRP) |
| Regulating Bodies | NABARD, RBI, Public/Private Banks, Co-operative Banks |
How to Apply for a Kisan Credit Card Online and Offline
🖥️ Online Application Process:
- Visit https://pmkisan.gov.in
- Click on “Apply for KCC”
- Fill in your Aadhaar number, land details, and bank account information
- Upload scanned documents
- Submit and track the status online
🏦 Offline Application Process:
- Visit your nearest bank branch (Public, Co-operative, or Private)
- Ask for the KCC application form
- Fill and submit along with the required documents
- Loan will be processed within 7–15 working days
Required Documents for KCC Application
To apply for the Kisan Credit Card scheme, keep the following documents ready:
- Aadhaar Card
- Land Ownership Records (RTC/Pahani)
- Bank Account Passbook
- Recent Passport-sized Photograph
- PAN Card (if available)
- Livelihood Proof (for animal husbandry/fisheries applicants)
Digital Integration via Kisan Portal (KRP)
To streamline the subsidy and monitoring process, the government introduced the Kisan Report Portal (KRP) in 2023. Key features of KRP include:
- Real-time data sharing between banks, NABARD, and RBI
- Easy subsidy disbursement tracking
- No need for multiple bank visits
- Fully secure and farmer-friendly interface
This portal ensures transparency and speed in delivering credit and subsidies to eligible beneficiaries.
Why Farmers Must Apply Today
The Kisan Credit Card scheme is one of the most powerful financial tools available to Indian farmers in 2025. With a raised credit limit of ₹5 lakh, low interest rates, and a simple online application process, farmers can now access the capital they need to modernize their farms, expand livestock operations, or enter aquaculture ventures.
