Read the following passage carefully and answer the questions (Q41 - Q45) :

Kisan Credit Card (KCC)
The farmers in India have to face a lot of difficulty in arranging short term funds for the planting and harvesting season and to meet other agricultural needs. They are largely dependent on credit from the unorganized sector such as money lenders who charge exorbitant rates of interest. Realizing the need for such short-term credit, the Kisan credit card scheme was launched by the Reserve Bank of India and National Bank for Agriculture and Rural Development (NABARD). The Kisan credit card is a credit scheme introduced in August 1998 by Indian banks. The model scheme was prepared by the NABARD on the recommendations of the R.V. Gupta committee to provide term loans and agricultural needs. Under the Kisan credit card scheme, customers can get two types of credit, i.e., cash credit and term loans. A short-term credit limit is offered on the Kisan credit card for smaller agricultural needs. Term loans can also be taken for cultivation, buying equipment, irrigation, etc. The farmers also receive a passbook which contains all the relevant details of land holding, credit limit, validity, etc. The repayment period in Kisan credit cards is up to a maximum of 12 months and card is valid for a period between 3-5 years.