Matsyajeebi Credit Card Scheme In West Bengal [Apply Now]

Matsyajeebi Credit Card Scheme | Matsya Jeebi Credit Card (MJCC) | মৎস্যজীবী ক্রেডিট কার্ড পোর্টাল | Benefits, Eligibility, and Application Procedure

The Matsya Jeebi Credit Card (MJCC) is a credit distribution mechanism designed to provide fish farmers with institutional short-term loan support for their working capital needs. The scheme attempts to lessen farmers’ reliance on the informal banking sector for credit. It also aims to promote self-sufficiency, job creation, and revenue generation, as well as increase productivity.

Scheme Name	West Bengal Matsyajeebi Credit Card Scheme
Launched By	Government of West Bengal, 2021
Nodal Department	Department Of Fisheries, Aquaculture, Aquatic Resources and Fishing Harbours, Government of West Bengal.
Benefits	Providing Financial Support to the Fisherman via Credit Card
Beneficiaries	Fishermen of West Bengal
Mode to Apply	Both Online & offline
Official Website	https://mjcc-fisheries.wb.gov.in/

In West Bengal, the MJCC is open to all fish farmers, including small and marginal farmers, fishermen working in capture fisheries, and those with linked fish businesses. Both the type of culture and the area under horticulture determine the credit limit. In this article, we will describe all the details regarding Matsya Jeebi Credit Card. So, read the entire post.

Join our telegram group to get the latest updates regarding All Government Schemes and Yojana

West Bengal Matsyajeebi Credit Card Scheme

The West Bengal government introduced the Matsyajeebi Credit Card Scheme, offering fisherman credit card facilities. Fishing enthusiasts are given easy-to-repay loans under this scheme. It’s open to all fish farms, even tiny and marginal ones.

The goal of the scheme is to give fish farmers institutional short-term financial support to meet their working capital needs. Fishermen and fish producers will both have access to credit card facilities. The following fish farmers will be able to use credit cards.

All Small /Marginal Fish Farmer
Self-help Group
Joint Liability Group
Fish Producer Group
Fish Farmer Producer Organization

The Department of Fisheries, Aquaculture, Aquatic Resources, and Fishing Harbours, Government of West Bengal, is the Nodal Department for this Scheme. The program lessens farmers’ reliance on loans from their unofficial banking sector. Fishermen who follow can gain from the Matsyajeebi Credit Card Scheme.

Dry fish processing
Door-to-door fish Vending
Pickles
Papad Maker From fish/prawn
Making Jewelry from fish skin

Purpose of the Matsya Jeebi Credit Card Prakalpa

A government-backed loan scheme called Matsyajeebi Credit Card provides up to Rs. 2 lakh at 7% APR to fish producers and fishermen without requiring collateral. After harvesting and marketing, payment can be made. Its goal is to give fish producers in West Bengal prompt, easy access to loans at reasonable rates.

In addition to encouraging self-sufficiency and the creation of jobs and revenue in the fishing industry, the program aims to lessen farmers’ dependency on the unofficial banking sector. It has several advantages, including affordable interest rates, adaptable payback schedules, and streamlined documentation needs.

Benefits of the Scheme

Loan Amount: Loans of up to Rs. 2,00,000 are available to fishermen. Loans up to Rs 1.6 lakh don’t require a guarantee.
Low-interest Loans: Banks that participate in the MJCC scheme offer low-interest loans to fish growers. Now, the loan has an interest rate of 7%.
Rebate: The fisherman who repays the loan before the deadline will receive a 3% rebate.
Flexible Repayment Schedule: A mechanism for postponing payments in the event of a poor crop season allows farmers to return the loan after harvest.
Simplified Documentation: Fish farmers can now get loans more easily because of the MJCC scheme’s streamlined documentation requirements.
Exclusive Benefits: Exclusive advantages from cooperating banks, like cash back on purchases and input reductions, are available to fish farmers who possess an MJCC.

Amount of Loan under the Scheme

Project Name	Jalkar	Project Expenditure / Bank Loan
Desi Magur Fish Farming	1 Bigha (33rd Century)	₹ 97,293/-
Big Fish Farming	1 Bigha (33rd Century)	₹ 1,73,310/-
Seedling Cultivation	1 Bigha (33rd Century)	₹ 59,287/-
Freshwater Mixed Fish Farming	1 Bigha (33rd Century)	₹ 72,248/-
Tilapia Fish Farming	1 Bigha (33rd Century)	₹ 82,787/-
Pangas Fish Farming	1 Bigha (33rd Century)	₹ 33,800/-
Fishing in Vietnam	1 Bigha (33rd Century)	₹ 44,495/-
Selling Fish on Bi-cycles (with Insulated Boxes)	1 Bigha (33rd Century)	₹ 19,500/-
Selling Fish on Tri-cycle (with Thermal Box)	1 Bigha (33rd Century)	₹ 32,500/-
Fish Farming in Bio-Frock System	1 Bigha (33rd Century)	₹ 42,068/-
Monosex Tilapia Fish Farming in Bio-Frock System	1 Bigha (33rd Century)	₹ 46,618/-
Singi Fish Farming by Bio-Frock System	1 Bigha (33rd Century)	₹ 49,478/-
Pabda Fish Farming by Bio-Frock System	1 Bigha (33rd Century)	₹ 59,293/-

Eligibility Criteria for Applying the Scheme

The applicant must be a West Bengal resident.
Inland Fisheries & Aquaculture: Fishers, Fish farmers (individual & groups/partners/share croppers/lease holder farmers), Self Help Groups, Joint Liability Groups & Women Groups, are eligible.
Marine Fisheries:
- Owner of boats or fishing vessels with registration.
- Possess the required license or authority from the relevant body to engage in pisciculture or fish farming in estuaries and open waters, as well as fishing in seas and seas.

Features of the Matsyajeebi Credit Card Scheme

All fish farmers, including tiny and marginal ones, are eligible for the MatsyaJeebi Credit Card.
Fishermen who work in dry fish processing and other related fish businesses (such as door-to-door fish selling, pickles, papad maker from fish/shrimp, ornament maker from fish scales, etc.) are eligible for this benefit.
It provides farmers with cash credit at a reduced rate of interest.
The credit limit varies by scheme but does not often exceed Rs 3.00 lakh.
It provides a flexible repayment schedule following the harvest season and allows payments to be rescheduled in the event of a disastrous crop season.
Withdrawals can be done in any number up to the credit limit.
Repayment occurs only after harvesting and marketing.

Required Documents for the Scheme

The eligible beneficiary needs the following documents to apply to the scheme.

Residence proof.
Aadhaar Card
Voter Card
Passport size Photo
Fisherman Identity card
Ownership Related Documents.

The following written or oral documents are associated with the lease of the water body or public representative.

Panchayati Raj Institution.
Municipality.
Municipal Corporation.

How to Apply for the West Bengal Matsyajeebi Credit Card Scheme?

Eligible beneficiaries can apply for the Matsya Jeebi Credit Card through offline and online modes. We describe both the methods below. Choose as per your recommendation.

Matsya Jeebi Credit Card Online Apply

Through an online application form, beneficiaries can apply for the West Bengal Matsyajeebi Credit card scheme.

Visit the official site and log in to the Fisherman’s portal.

Applicant needs to enter the registered mobile number, Fisherman Registration number and the OTP received through the SMS.
Then, the application form will appear, fill out the application form.
After completing the form check twice before submitting.
Upload all of the necessary files to the site.
Then, click the “Submit” button.
The Department of Fisheries will confirm receipt of the application form, and you will get your credit card.

Apply Offline through the Matsyajeebi Credit Card Form

The applicant can apply for the Matsyajeebi Credit Card by filling offline application form.

Either you can download the application form or collect the Matsyajeebi credit card form from the Duare Sarkar Initiative camp.

Please fill out the application form completely.
Enclose it with all the necessary documentation.
Now, submit the application form and the necessary supporting documentation.
Camp officials will confirm and give their approval.
Then, you may pick up your card by going to the Department of Fisheries office.

Matsya Jeebi Credit Card Status Check

Visit the West Bengal Matsyajeebi Credit Card portal.
Click the “Fisherman Login” button.
Enter your registration number, then click the “Send OTP” button.
Enter your login OTP, then click the “Validate OTP” button.
You have now successfully logged in as a Fisherman.
Click on ‘Status Timeline’ to view your MJCC Loan status.
The Fisherman Dashboard displays your application’s current status.

Contact Details

Helpline Number	+033-2357 0077
Email ID	dsfisheries@gmail.com
Address	Department Of Fisheries Government of West Bengal Benfish Tower (“7th & 8th Floor”) 31-GN Block, Sector-V, Salt Lake, Kolkata-700091

Frequently Asked Questions

1) What is a Matsyajeebi Credit Card?

The Matsyajibi Credit Card is a government-backed lending plan for fishermen and fish producers that provides up to Rs. 2 lakh at 7% APR with no collateral necessary.

2) Which documents are required to apply for the MJCC scheme?

The applicant needs proof of identity, proof of residence, proof of income, proof of land ownership, business documents, and a passport-size photo to apply for the scheme.

3) What is the Credit Limit of MJCC?

The credit limit for the MJCC is determined by both the area under pisciculture and the culture type. New cardholders have a maximum credit limit of Rs 2 lakh.

4) Which institution will provide this loan?

All Bank Branches and Cooperative Banks, Agricultural Cooperative Societies.

5) How much is interest amount?

The bank will levy 5% interest, reduced by 2%.

Important Links

Join Telegram Group	CLICK HERE
Official Website	CLICK HERE
MJCC Guidelines	CLICK HERE
Download the Application Form	CLICK HERE