West Bengal Matsya Jeebi Credit Card Scheme 2023

West Bengal Matsya Jeebi Credit Card (MJCC) is a credit is a financial assistance scheme for fish farmer in west bengal. Its delivery mechanism that aims to provide quick and timely access to affordable credit for fish farmers in West Bengal. The scheme is designed to reduce farmer dependence on the informal banking sector and promote self-reliance, employment generation, and income generation in the fisheries sector.

The MJCC is available to all fish farmers in West Bengal, including small and marginal farmers, fisher folk engaged in capture fishery, and those involved in allied fish business. The credit limit is based on the area under pisciculture as well as culture type. Farmers can use the credit for a variety of purposes, such as purchasing fish seed, feed, and other inputs, as well as meeting working capital needs.

West Bengal Matsya Jeebi Credit Card Scheme 2023

West Bengal Matsyajibi Credit Card: A government-backed loan scheme for fishermen and fish farmers, offering up to Rs. 2 lakh at 7% interest with no collateral required. Repayment can be made after harvesting and marketing.

Benefits of the Matsya Jeebi Credit Card Scheme

The Matsya Jeebi Credit Card (MJCC) Scheme is a government-backed loan scheme that provides financial assistance to fishermen and fish farmers in West Bengal. It offers a number of benefits, including low interest rates, flexible repayment terms, and simplified documentation requirements.

It offers a number of benefits, including:

• Loan Amount: Under the Scheme, Fishermen can take a loan up to Rs. 2,00,000/
• No guarantee is required for loans up to Rs 1.6 lakh
• Low-interest loans: Fish farmers can avail of low-interest loans from participating banks under the MJCC scheme. The interest rate on the loan is currently 7%.
• Rebate: A 3% rebate will be granted if the fishermen repays the loan on or before the due date.
• Flexible repayment schedule: Farmers can repay the loan after the harvest season, and there is a provision for rescheduling payments in case of a bad crop season.
• Simplified documentation: The MJCC scheme has simplified documentation requirements, making it easier for fish farmers to obtain a loan.
• Exclusive benefits: Fish farmers with an MJCC can avail of exclusive benefits from participating banks, such as cash back on purchases and discounts on inputs.

Features Of the Scheme

Here are some of the features of the MJCC:

1. All fish farmers, including small and marginal farmers, are eligible for the MatsyaJeebi Credit Card.
2. Fisherfolk engaged in dry fish processing, and other allied fish businesses (like door-to-door fish vending, pickles, papad maker from fish/shrimp, ornament maker from fish scales etc.) are entitled to receive this benefit.
3. It allows cash credit at a subsidised rate of interest to farmers
4. The credit limit varies from scheme to scheme but does not generally exceed Rs 3.00 lakh
5. It offers a flexible repayment schedule after the harvest season and enables the rescheduling of payments in case of a bad crop season.
6. Any number of withdrawals can be made, within the credit limit.
7. Repayment- only after harvest and marketing.
8. No collateral is required for loans up to Rs 1.6 lakh
9. Interest subvention is available for timely repayment of loan

Ref: https://mjcc-fisheries.wb.gov.in/

Eligibility

• (A) Inland Fisheries & Aquaculture-
  • Fishers, Fish farmers (individual & groups/partners/share croppers/lease holder farmers), Self Help Groups, Joint Liability Groups and women Groups, are eligible.
• (B) Marine Fisheries –
  • owner of registered fishing vessels/boats.
  • posses necessary license/permission from the competent authority for fishing in estuaries and in the sea, fish farming/pisciculture activities in estuaries and in open seas.

What is the Credit Limit of MJCC

The credit limit for the Matsya Jeebi Credit Card (MJCC) is based on the area under pisciculture as well as culture type. The maximum credit limit for new cardholders is Rs. 2 lakh.

However, the actual credit limit that a farmer is eligible for will depend on their individual circumstances, such as their financial history and repayment capacity. Farmers can apply for a higher credit limit after repaying their existing loan and building a good track record.

It is important to note that the MJCC is a government-backed loan scheme, but it is still a loan and must be repaid. Farmers should carefully consider their repayment capacity before applying for a loan.

Documents required for MJCC

The following documents are required for the Matsya Jeebi Credit Card (MJCC) scheme:

• Proof of identity: Self-attested copy of voter ID card, Aadhaar card, or other government-issued ID card.
• Proof of residence: Self-attested copy of voter ID card, Aadhaar card, or other government-issued ID card, along with a recent electricity bill or telephone bill.
• Proof of income: Self-attested copy of income tax return, salary slip, or other proof of income.
• Proof of land ownership: Self-attested copy of land ownership documents, such as a lease deed or patta.
• Business documents: Self-attested copy of business registration certificate, if applicable.
• Photo: Two passport-size photographs of the applicant.

In addition to the above documents, some banks may also require additional documents, such as a certificate from the local panchayat or municipality.

Fish farmers can apply for the MJCC scheme at any participating bank in West Bengal. The application process is simple and straightforward. Farmers can apply online or at the bank branch.

Once the application is submitted, the bank will verify the applicant’s eligibility and documentation. If the application is approved, the bank will issue the applicant an MJCC card.

How to Apply for WB Matsya Jeebi Credit Card Online

To apply for WBMJCC follow the below-mentioned steps :

• First, go to the West Bengal Matsyajeebi Credit card portal.
• Click on the “Fisherman Login” button.
• Enter Your Registration Number and Click on the “Send OTP” button.
• Enter Your Login OTP and Click on the “Validate OTP” button.
• Now you are logged in successfully as a Fisherman.
• Click on the “Apply for MJCC” button or you can also click on “Application Form”.
• Fill in the details of your MJCC project and your bank-related information.
• Fill in the details of the Location of the waterbody and the Insurance details of the waterbody (if any).
  • For uploading the Ownership document click on any of the options and there will be two options to select (Own/Lease).
  • If you select ‘Own’ then there will appear owner partisanship type of waterbody options and if you select ‘Lease’ then there will be appear lease type of waterbody options.
• If you choose ‘Own’ then you will have to select either ‘Single Ownership’ or ‘Multiple Ownership’.
• If you choose ‘Lease’ then you will have to select either ‘Written Lease’ or ‘Oral Lease’.
• If you choose ‘Multiple Ownership’ then there will appear an option of uploading NOC from other owners.
• If you choose ‘Written Lease’ then there will be an option of uploading a Lease Agreement. If you choose ‘Oral Lease’ then there will appear an option of uploading a Certificate of FEO for oral lease.
• In the Upload Documents part, you have three options for Fisherman Identity Proof Aadhar card, Fisherman Registration Card and Any other identity proof (PAN card, Voter ID card, or any other government ID proof).
• After selecting fisherman identity proof there will appear a file upload option underneath it.
• Before submitting the form you will have to check the ‘I agree’ checkbox otherwise you will not be able to submit the application form.
• Now you can save or submit the form.
  • (Note: If you just save the form then the form details, for applying the form click on the ‘SUBMIT’ button.)
• After submitting the form you will see the pop-up success message on the screen.

Matsya Jeebi credit Card status check

To check West Bengal Matsya Jeebi credit Card status follow the steps :

• First, go to the West Bengal Matsyajeebi Credit card portal.
• Click on the “Fisherman Login” button.
• Enter Your Registration Number and Click on the “Send OTP” button.
• Enter Your Login OTP and Click on the “Validate OTP” button.
• Now you are logged in successfully as a Fisherman.
• You can see your MJCC Loan status by clicking on ‘Status Timeline’.
• This is your application status timeline page and you can track your MJCC Loan status from here
• You can also see your current application status from the Fisherman Dashboard

Official website of West Bengal Matsya Jeebi Credit Card Scheme

Official Website of MJCC: https://mjcc-fisheries.wb.gov.in/

Contact Details

• Department of Fisheries Helpline Number:- 033-23570077
• Fisheries Department Email Id:- [email protected]
• IT Tower (7th & 8th Floor) 31-GN Block, Sector-V, Salt Lake, Kolkata-700091
• Department Of Fisheries
  Government of West Bengal
  Benfish Tower (“7th & 8th Floor”)
  31-GN Block, Sector-V, Salt Lake, Kolkata-700091