General Credit Card (GCC) Scheme

iAbout This Scheme

The General Credit Card scheme, introduced by RBI as part of financial inclusion directives, provides a revolving credit facility of up to ₹2 lakh to individuals in rural and semi-urban areas without insisting on security, purpose, or end-use of funds. It is extended through rural/semi-urban bank branches and counts toward priority sector lending.

🎁Key Benefits

• Revolving credit up to ₹2 lakh
• No security, no purpose restriction
• Counts as priority sector lending for banks
• Available at rural and semi-urban bank branches
• Flexible repayment terms
• Helps replace moneylender credit for rural households

✅Eligibility Criteria

• 1
  Individuals in rural and semi-urban areas
• 2
  No specific occupation or income criteria mandated
• 3
  Based on creditworthiness assessment by the bank

📝How to Apply

❓Frequently Asked Questions