Lok Sabha Question No. 2501 (UNSTARRED), answered on 2018-03-09
Subject: Performance of KCCs
Ministry: FINANCE
Asked by: PRASUN BANERJEE

## Government of India Ministry of Finance Department of Financial Services

## LOK SABHA

## Unstarred Question No. 2501

To be answered on Friday, March 09, 2018/Phalguna 18, 1939 (Saka)

## Performance of KCCs

2501. SHRI PRASUN BANERJEE:

Will the Minister of FINANCE be pleased to state:

- (a) the total number of Kisan Credit Cards (KCCs) issued during the past three years, State/UT-wise and year-wise along with the performance of the same;

(b) whether the Government intends to enhance such credits and broad base its issue to all States, Districts and Villages, if so, the details thereof;

- (c) whether the Government has launched another scheme for the benefit of farmers;
- (d) if so, the details thereof; and
- (e) the extent to which this new scheme is likely to benefit the farmers?

## Answer

The Minister of State in the Ministry of Finance (Shri Shiv Pratap Shukla)

(a)  and(b):  The  Kisan  Credit  Card  (KCC)  Scheme  was  introduced  for  issue  of  KCC  to  farmers  to enable them to purchase agricultural inputs such as seeds, fertilisers, pesticides, etc. and draw cash to satisfy their agricultural and consumption needs. The KCC Scheme has since been simplified and provides  for issue  of ATM  enabled  RuPay  debit  card  with,  inter  alia,  facilities  of  one-time documentation, built-in cost escalation in the limit, any number of drawals within the limit, etc.

The scheme is implemented by Commercial Banks, Regional Rural Banks (RRBs), Small Finance Banks  and  Cooperative  Banks.  The  eligible  beneficiaries  include  all  Farmers  -  Individuals  /  Joint borrowers  who  are  owner  cultivators;  Tenant  Farmers,  Oral  Lessees  &  Share  Croppers;  SHGs  or Joint Liability Groups of Farmers including tenant farmers, share croppers etc.

The state-wise/UT-wise number of Kisan Credit Cards (KCCs) holders and amount outstanding during the last three years in respect of Commercial Banks, as reported by Reserve Bank of India (RBI) is given in Annexure I. Similar information in respect of Cooperative Banks and RRBs as reported by National Bank for Agriculture and Rural Development (NABARD), is given in Annexure II.

- (c) to (e): Besides the above, the following major initiatives have been taken by the Government for the benefit of farmers. :-
-  With a view to ensuring availability of agriculture credit at a reduced interest rate of 7% p.a. to the  farmers,  the  Government  of  India  in  the  Department  of  Agriculture,  Cooperation  and  Farmers' Welfare (DAC&FW) implements an interest subvention scheme for short term crop loans up to Rs. 3.00 lakh. The scheme provides interest subvention of 2% per annum to Banks on use of their own resources.  Besides, additional 3% incentive is given to the farmers for prompt repayment of the loan, thereby reducing the effective rate of interest to 4%.
-  Pradhan Mantri Fasal Bima Yojana (PMFBY) provides a comprehensive insurance cover against failure  of  insured  crops  due  to  non-preventable  natural  risks,  thus  providing  financial  support  to farmers  suffering  crop  loss/  damage  arising  out  of  unforeseen  events;  stabilizing  the  income  of farmers  to  ensure  their  continuance  in  farming;  and  encouraging  them  to  adopt  innovative  and modern agricultural practices.
-  For  development  of  agriculture  and  welfare  of  farmers  of  the  country,  the  Government  in DAC&FW, is implementing various Central Sector/ Centrally Sponsored Schemes, which include:
- (i) Rashtriya Krishi Vikas Yojana
- (ii) National Food Security Mission
- (iii) National Agriculture Market
- (iv) National Mission For Sustainable Agriculture

| Annexure I to USQ 2501 for 09.03.2018 Kisan Credit Card Scheme   | Annexure I to USQ 2501 for 09.03.2018 Kisan Credit Card Scheme   | Annexure I to USQ 2501 for 09.03.2018 Kisan Credit Card Scheme   | Annexure I to USQ 2501 for 09.03.2018 Kisan Credit Card Scheme   | Annexure I to USQ 2501 for 09.03.2018 Kisan Credit Card Scheme   | Annexure I to USQ 2501 for 09.03.2018 Kisan Credit Card Scheme   | Annexure I to USQ 2501 for 09.03.2018 Kisan Credit Card Scheme   | Annexure I to USQ 2501 for 09.03.2018 Kisan Credit Card Scheme   |
|------------------------------------------------------------------|------------------------------------------------------------------|------------------------------------------------------------------|------------------------------------------------------------------|------------------------------------------------------------------|------------------------------------------------------------------|------------------------------------------------------------------|------------------------------------------------------------------|
|                                                                  |                                                                  |                                                                  |                                                                  | (No. in Actual &                                                 | (No. in Actual &                                                 | Amount in                                                        | Amount in                                                        |
| S.No.                                                            | State                                                            | No. of Operativ e KCCs                                           | Amount Outstanding                                               | No. of Operativ e KCCs                                           | Amount Outstanding                                               | No. of Operativ e KCCs                                           | Amount Outstanding                                               |
| 1                                                                | Andamans                                                         | 838                                                              | 314.00                                                           | 577                                                              | 272.19                                                           | 432                                                              | 298.19                                                           |
| 2                                                                | Andhra Pradesh                                                   | 1919034                                                          | 1969416.44                                                       | 1778575                                                          | 2121976.77                                                       | 1753878                                                          | 2299666.74                                                       |
| 3                                                                | Arunachal Pradesh                                                | 10448                                                            | 5475.96                                                          | 9960                                                             | 5995.74                                                          | 8574                                                             | 5488.67                                                          |
| 4                                                                | Assam                                                            | 590325                                                           | 271897.40                                                        | 568181                                                           | 309849.82                                                        | 496801                                                           | 312670.28                                                        |
| 5                                                                | Bihar                                                            | 1423068                                                          | 978624.46                                                        | 1405200                                                          | 1034408.67                                                       | 1443624                                                          | 1111440.81                                                       |
| 6                                                                | Chandigarh                                                       | 1501                                                             | 23036.87                                                         | 8428                                                             | 46967.64                                                         | 10484                                                            | 54361.30                                                         |
| 7                                                                | Chattisgarh                                                      | 198319                                                           | 269286.19                                                        | 201566                                                           | 354564.65                                                        | 219235                                                           | 425922.65                                                        |
| 8                                                                | Dadra & Nagar Haveli                                             | 608                                                              | 1582.13                                                          | 541                                                              | 1472.04                                                          | 527                                                              | 1556.98                                                          |
| 9                                                                | Daman & Diu                                                      | 49                                                               | 660.71                                                           | 308                                                              | 857.94                                                           | 314                                                              | 773.06                                                           |
| 10                                                               | Delhi                                                            | 4034                                                             | 16760.17                                                         | 8389                                                             | 25078.39                                                         | 4893                                                             | 27650.61                                                         |
| 11                                                               | Goa                                                              | 4275                                                             | 9571.44                                                          | 2869                                                             | 6845.80                                                          | 7212                                                             | 18358.77                                                         |
| 12                                                               | Gujarat                                                          | 994490                                                           | 1933097.83                                                       | 1038301                                                          | 2356049.40                                                       | 1070354                                                          | 2664767.11                                                       |
| 13                                                               | Haryana                                                          | 571778                                                           | 1964747.72                                                       | 603620                                                           | 2371127.50                                                       | 654854                                                           | 2669983.61                                                       |
| 14                                                               | Himachal Pradesh                                                 | 189050                                                           | 264948.75                                                        | 184180                                                           | 287016.48                                                        | 208895                                                           | 346884.59                                                        |
| 15                                                               | Jammu & Kashmir                                                  | 214872                                                           | 283988.67                                                        | 248104                                                           | 330208.66                                                        | 274609                                                           | 350375.46                                                        |
| 16                                                               | Jharkhand                                                        | 621491                                                           | 227340.70                                                        | 615165                                                           | 251982.68                                                        | 642314                                                           | 275237.32                                                        |
| 17                                                               | Karnataka                                                        | 912001                                                           | 2374484.54                                                       | 977326                                                           | 2640073.55                                                       | 932400                                                           | 2849586.25                                                       |
| 18                                                               | Kerala                                                           | 301964                                                           | 841517.02                                                        | 310248                                                           | 985210.37                                                        | 311424                                                           | 1196089.65                                                       |
| 19                                                               | Lakshadweep                                                      | 706                                                              | 289.00                                                           | 594                                                              | 278.33                                                           | 508                                                              | 243.63                                                           |
| 20                                                               | Madhya Pradesh                                                   | 1488478                                                          | 2564969.04                                                       | 1532783                                                          | 3070360.83                                                       | 1640177                                                          | 3437332.64                                                       |
| 21                                                               | Maharashtra                                                      | 2238521                                                          | 2895854.97                                                       | 2462070                                                          | 3495399.74                                                       | 2446364                                                          | 3809879.40                                                       |
| 22                                                               | Manipur                                                          | 19887                                                            | 11943.26                                                         | 18064                                                            | 12956.96                                                         | 14988                                                            | 11381.51                                                         |
| 23                                                               | Meghalaya                                                        | 59138                                                            | 25930.60                                                         | 55435                                                            | 28244.50                                                         | 56598                                                            | 30797.01                                                         |
| 24                                                               | Mizoram                                                          | 14627                                                            | 8183.46                                                          | 12912                                                            | 8296.83                                                          | 12395                                                            | 8366.76                                                          |
| 25                                                               | Nagaland                                                         | 32029                                                            | 13818.16                                                         | 30749                                                            | 15046.14                                                         | 32758                                                            | 15925.74                                                         |
| 26                                                               | Orissa                                                           | 703661                                                           | 385169.32                                                        | 657475                                                           | 438433.89                                                        | 602490                                                           | 449437.05                                                        |
| 27                                                               | Puducherry                                                       | 18497                                                            | 28235.69                                                         | 4560                                                             | 16510.03                                                         | 15499                                                            | 58847.91                                                         |
| 28                                                               | Punjab                                                           | 747791                                                           | 3924576.49                                                       | 805172                                                           | 4542011.94                                                       | 862228                                                           | 4917378.61                                                       |
| 29                                                               | Rajasthan                                                        | 1716205                                                          | 3619073.39                                                       | 1857950                                                          | 4313970.18                                                       | 2000765                                                          | 5044590.25                                                       |
| 30                                                               | Sikkim                                                           | 4101                                                             | 2990.30                                                          | 7185                                                             | 5499.07                                                          | 4664                                                             | 4771.64                                                          |
| 31                                                               | Tamil Nadu                                                       | 584878                                                           | 1056550.74                                                       | 549516                                                           |                                                                  | 506183                                                           | 1341306.83                                                       |
| 32                                                               | Telangana                                                        | 1770920                                                          |                                                                  | 2314711                                                          | 1246585.23                                                       |                                                                  |                                                                  |
|                                                                  |                                                                  |                                                                  | 1535141.78                                                       |                                                                  | 1539282.36                                                       | 1356409                                                          | 1938726.96                                                       |
| 33                                                               | Tripura                                                          | 79381                                                            | 28422.03                                                         | 79112                                                            | 33966.07                                                         | 45739                                                            | 26058.42                                                         |
| 34                                                               | Uttarakhand                                                      | 222120                                                           | 381448.07                                                        | 223652                                                           | 424249.64                                                        | 389100                                                           | 641787.33                                                        |
| 35                                                               | Uttar Pradesh                                                    | 3832845                                                          | 4591519.79                                                       | 3888982                                                          | 5277576.06                                                       | 4450262                                                          | 6454175.58                                                       |
| 36 West                                                          | Bengal Total                                                     | 1032630 22524560                                                 | 527583.47 33038450.54                                            | 1007329 23469789                                                 | 585027.50 38183653.59                                            | 822998 23300949                                                  | 533069.79 43335189.11                                            |
| RBI                                                              | RBI                                                              | Source:                                                          | Source:                                                          | Source:                                                          | Source:                                                          | Source:                                                          | Source:                                                          |

| Annexure II to USQ2501 for 09.03.2018 State-wise number of live and Operative KCC accounts and State- wise amount   | Annexure II to USQ2501 for 09.03.2018 State-wise number of live and Operative KCC accounts and State- wise amount   | Annexure II to USQ2501 for 09.03.2018 State-wise number of live and Operative KCC accounts and State- wise amount   | Annexure II to USQ2501 for 09.03.2018 State-wise number of live and Operative KCC accounts and State- wise amount   | Annexure II to USQ2501 for 09.03.2018 State-wise number of live and Operative KCC accounts and State- wise amount   | Annexure II to USQ2501 for 09.03.2018 State-wise number of live and Operative KCC accounts and State- wise amount   | Annexure II to USQ2501 for 09.03.2018 State-wise number of live and Operative KCC accounts and State- wise amount   |
|---------------------------------------------------------------------------------------------------------------------|---------------------------------------------------------------------------------------------------------------------|---------------------------------------------------------------------------------------------------------------------|---------------------------------------------------------------------------------------------------------------------|---------------------------------------------------------------------------------------------------------------------|---------------------------------------------------------------------------------------------------------------------|---------------------------------------------------------------------------------------------------------------------|
| outstanding                                                                                                         | underKCC loan issued 2014-15                                                                                        | underKCC loan issued 2014-15                                                                                        | each year from 2014-15 to 2015-16                                                                                   | each year from 2014-15 to 2015-16                                                                                   | (Amt. in Crores) 2016-17 in 2016-17                                                                                 | (Amt. in Crores) 2016-17 in 2016-17                                                                                 |
| S. No.                                                                                                              | State                                                                                                               | No. of Operative Cards                                                                                              | Amount Outstanding                                                                                                  | No. of Operative Cards Amount Outstanding                                                                           | No. of Operative Cards                                                                                              | Amount Outstanding                                                                                                  |
| 1 Andhra                                                                                                            | Pradesh                                                                                                             | 44,77,444                                                                                                           | 16,234.47                                                                                                           | 22,39,664 11,147.82                                                                                                 | 23,37,304                                                                                                           | 13,436.51                                                                                                           |
| 2                                                                                                                   | Assam                                                                                                               | 4,33,654                                                                                                            | 1,635.69                                                                                                            | 4,11,221 1,680.29                                                                                                   | 2,91,694                                                                                                            | 1,000.16                                                                                                            |
| 3 Arunachal Pradesh                                                                                                 |                                                                                                                     | 3,744                                                                                                               | 18.08 3,744                                                                                                         | 17.99                                                                                                               | 3,983                                                                                                               | 15.18                                                                                                               |
| 4 Bihar                                                                                                             |                                                                                                                     | 22,16,633                                                                                                           | 7,772.43 18,47,752                                                                                                  | 7,016.52                                                                                                            | 18,03,244                                                                                                           | 8,752.58                                                                                                            |
| 5 Gujarat                                                                                                           | 17,30,819                                                                                                           | 8,828.74                                                                                                            | 17,28,740                                                                                                           | 10,167.95                                                                                                           | 16,98,706                                                                                                           | 11,415.08                                                                                                           |
| 6 Goa                                                                                                               | 1,117                                                                                                               | 17.02                                                                                                               | 1,343                                                                                                               | 17.46                                                                                                               | 2,335                                                                                                               | 16.40                                                                                                               |
| 7 Haryana                                                                                                           | 15,25,999                                                                                                           | 10,461.14                                                                                                           | 15,34,304                                                                                                           | 12,112.91                                                                                                           | 14,58,365                                                                                                           | 12,166.36                                                                                                           |
| 8 Himachal Pradesh                                                                                                  | 1,30,262                                                                                                            | 1,213.99                                                                                                            | 1,36,801                                                                                                            | 1,449.56                                                                                                            | 1,26,967                                                                                                            | 1,652.78                                                                                                            |
| 9 Jammu & Kashmir                                                                                                   | 50,033                                                                                                              | 360.69                                                                                                              | 50,033                                                                                                              | 360.69                                                                                                              | 71,858                                                                                                              | 570.98                                                                                                              |
| 10 Karnataka                                                                                                        | 31,34,638                                                                                                           | 15,766.95                                                                                                           | 32,84,231                                                                                                           | 17,500.59                                                                                                           | 32,31,692                                                                                                           | 19,269.01                                                                                                           |
| 11 Kerala                                                                                                           |                                                                                                                     | 9,17,152 3,545.30                                                                                                   | 9,47,390                                                                                                            | 3,868.40                                                                                                            | 9,64,251                                                                                                            | 4,034.17                                                                                                            |
| 12 Madhya Pradesh                                                                                                   | 56,50,456                                                                                                           | 17,215.37                                                                                                           | 57,76,571                                                                                                           | 16,351.86                                                                                                           | 59,17,637                                                                                                           | 18,565.24                                                                                                           |
| 13 Maharashtra                                                                                                      | 52,22,969                                                                                                           | 11,826.91                                                                                                           | 54,70,624                                                                                                           | 17,765.60                                                                                                           | 45,64,350                                                                                                           | 21,528.74                                                                                                           |
| 14 Meghalaya                                                                                                        |                                                                                                                     | 42,663 97.18                                                                                                        | 16,074                                                                                                              | 30.35                                                                                                               | 35,702                                                                                                              | 119.93                                                                                                              |
| 15 Mizoram                                                                                                          | 17,295                                                                                                              | 72.10                                                                                                               | 15,522                                                                                                              | 69.91                                                                                                               | 7,513                                                                                                               | 91.28                                                                                                               |
| 16 Manipur                                                                                                          | 5,258                                                                                                               | 13.65                                                                                                               | 7,066                                                                                                               | 17.14                                                                                                               | 7,442                                                                                                               | 22.23                                                                                                               |
| 17 Nagaland                                                                                                         | 3,296                                                                                                               | 11.52                                                                                                               | 2,972                                                                                                               | 10.27                                                                                                               | 5,186                                                                                                               | 15.26                                                                                                               |
| 18 Odisha                                                                                                           | 50,13,619                                                                                                           | 8,760.26                                                                                                            | 51,50,219                                                                                                           | 10,267.52                                                                                                           | 41,32,602                                                                                                           | 10,078.34                                                                                                           |
| 19 Punjab                                                                                                           | 11,09,913                                                                                                           | 9,999.42                                                                                                            | 11,14,937                                                                                                           | 10,640.40                                                                                                           | 11,17,800                                                                                                           | 11,104.48                                                                                                           |
| 20 Rajasthan                                                                                                        | 44,50,810                                                                                                           | 17,653.67                                                                                                           | 44,47,320                                                                                                           | 19,837.34                                                                                                           | 40,13,914                                                                                                           | 20,766.80                                                                                                           |
| 21 Sikkim                                                                                                           |                                                                                                                     | 7,617 8.84                                                                                                          | 8,040                                                                                                               | 9.73                                                                                                                | 8,328                                                                                                               | 10.00                                                                                                               |
| 22 Tamilnadu                                                                                                        |                                                                                                                     | 18,34,148 5,713.52                                                                                                  | 20,61,309                                                                                                           | 6,873.49                                                                                                            | 16,13,734                                                                                                           | 6,053.51                                                                                                            |
| 23                                                                                                                  | Tripura                                                                                                             | 1,65,799 173.77                                                                                                     | 1,78,951                                                                                                            | 198.94                                                                                                              | 1,80,424                                                                                                            | 206.27                                                                                                              |
| 24 Telangana                                                                                                        | -                                                                                                                   | -                                                                                                                   | 21,17,806                                                                                                           | 8,686.13                                                                                                            | 21,99,905                                                                                                           | 9,591.89                                                                                                            |
| 25 Uttar Pradesh                                                                                                    | 73,31,183                                                                                                           | 26,221.29                                                                                                           | 74,71,939                                                                                                           | 30,373.36                                                                                                           | 75,66,185                                                                                                           | 33,544.00                                                                                                           |
| 26 West Bengal                                                                                                      | 24,79,163                                                                                                           | 4,791.87                                                                                                            | 25,14,771                                                                                                           | 5,652.09                                                                                                            | 23,68,373                                                                                                           | 5,838.68                                                                                                            |
| 27 A& N Islands                                                                                                     | 6,041                                                                                                               | 9.32                                                                                                                | 6,424                                                                                                               | 10.73                                                                                                               | 6,028                                                                                                               | 11.93                                                                                                               |
| 28 Chandigarh                                                                                                       |                                                                                                                     | -                                                                                                                   | -                                                                                                                   | - -                                                                                                                 | -                                                                                                                   | -                                                                                                                   |
| 29 Daman &                                                                                                          | Diu -                                                                                                               | -                                                                                                                   |                                                                                                                     | - -                                                                                                                 | -                                                                                                                   | -                                                                                                                   |
| 30 New Delhi                                                                                                        | 298                                                                                                                 | 3.83                                                                                                                |                                                                                                                     | 461 7.20                                                                                                            | 604                                                                                                                 | 10.45                                                                                                               |
| 31 D & N Haveli                                                                                                     |                                                                                                                     | - -                                                                                                                 |                                                                                                                     | - -                                                                                                                 | -                                                                                                                   | -                                                                                                                   |
| 32 Lakshdweep                                                                                                       | -                                                                                                                   | -                                                                                                                   | -                                                                                                                   | -                                                                                                                   | -                                                                                                                   | -                                                                                                                   |
| 33 Puducherry                                                                                                       | 7,010                                                                                                               | 21.43                                                                                                               | 7,197                                                                                                               | 24.88                                                                                                               | 7,377                                                                                                               | 13.36                                                                                                               |
| 34 Jharkhand                                                                                                        | 4,71,831                                                                                                            |                                                                                                                     | 865.82                                                                                                              | 1,000.88                                                                                                            | 3,86,860                                                                                                            | 1,266.96                                                                                                            |
| 35 Chhattisgarh                                                                                                     | 22,32,068                                                                                                           | 2,823.87                                                                                                            | 3,86,435                                                                                                            |                                                                                                                     |                                                                                                                     |                                                                                                                     |
|                                                                                                                     |                                                                                                                     |                                                                                                                     | 24,33,017                                                                                                           | 2,378.77                                                                                                            | 16,24,867                                                                                                           | 2,184.51                                                                                                            |
| Total                                                                                                               | 510,75,499                                                                                                          | 1,73,080.65                                                                                                         | 518,00,220                                                                                                          | 1,96,781.15                                                                                                         | 481,54,003                                                                                                          | 2,14,620.19                                                                                                         |