Lok Sabha Question No. 1664 (UNSTARRED), answered on 2017-03-10
Subject: Kisan Credit Cards
Ministry: FINANCE
Asked by: RAMA KISHORE SINGH

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

## LOK SABHA

Unstarred Question No. †1664

To be answered on 10 th  March, 2017/Phalguna 19, 1938 (Saka)

## KISAN CREDIT CARDS

†1664. SHRI RAMA KISHORE SINGH:

Will the Minister of FINANCE be pleased to state:

- (a)  the number of Kisan Credit Cards (KCCs) holders in the country, State/UT wise;
- (b)  the details of loan sanctioned/ interest rate charged and the target set and achievements made by the Public Sector Banks (PSBs) in issuing KCCs to the farmers during each of the last three years and the current year, State/UT-wise;
- (c)  whether  the  Government  has  received  any  complaints/irregularities  against  banks  for issuing KCCs; and
- (d) if so, the details thereof, Statewise including Bihar?

## Answer

The Minister of State in the Ministry of Finance

(Shri  Santosh Kumar Gangwar)

- (a):  The  statewise/UT  wise  number  of  Kisan  Credit  Cards  (KCCs)  holders in  respect  of Cooperative  Banks  and  Regional  Rural  Banks  (RRBs)  as  reported  by  National  Bank  for Agriculture  and  Rural  Development  (NABARD)  is  given  in  Annexure  I  and  in  respect  of Commercial Banks as reported by Reserve Bank of India (RBI) is given in Annexure II.
- (b): The details of loan sanctioned to the farmers under KCC (for the years from 2013 to 2016) are given in Annexure III.

With a view to ensuring availability of agriculture credit at a reduced interest rate of 7% p.a. to farmers, the Government of India in the Department of Agriculture, Cooperation & Farmers' Welfare  implements  an  interest  subvention  scheme  for  short  term  crop  loans  up  to  Rs.  3.00 lakh. Under the said scheme, additional subvention of 3% is given to those farmers who repay their short term crop loan in time, thereby reducing the effective rate of interest to 4% p.a. for such farmers.

RBI has reported that the information related to the target set and achievements made by the Public Sector Banks (PSBs) in issuing KCCs to the farmers during each of the last three years and the current year, State/UT-wise is not maintained.

- c)  &  (d):  Government  receives  complaints  in  regard  to  various  issues  relating  to  agriculture credit. On receipt of such complaints, the matter is taken up at appropriate level for redressal thereof. However, separate data on specific nature of complaints, such as complaints regarding issue of KCCs, is not centrally maintained.

Annexure I to USQ 1664 for 10.03.2017

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| State-wise Operative / Live KCCs in respect of Cooperative Banks and RRBs as on 31 December 2016   | State-wise Operative / Live KCCs in respect of Cooperative Banks and RRBs as on 31 December 2016   | State-wise Operative / Live KCCs in respect of Cooperative Banks and RRBs as on 31 December 2016   |
|----------------------------------------------------------------------------------------------------|----------------------------------------------------------------------------------------------------|----------------------------------------------------------------------------------------------------|
| Sr No.                                                                                             | State /UT                                                                                          | Cards issued                                                                                       |
| 1                                                                                                  | Andhra Pradesh                                                                                     | 23,10,436                                                                                          |
| 2                                                                                                  | A &NIslands                                                                                        | 5,969                                                                                              |
| 3                                                                                                  | Arunachal Pradesh                                                                                  | 3,983                                                                                              |
| 4                                                                                                  | Assam                                                                                              | 3,86,337                                                                                           |
| 5                                                                                                  | Bihar                                                                                              | 18,00,665                                                                                          |
| 6                                                                                                  | Chhattisgarh                                                                                       | 24,04,668                                                                                          |
| 7                                                                                                  | Goa                                                                                                | 2,312                                                                                              |
| 8                                                                                                  | Gujarat                                                                                            | 17,21,114                                                                                          |
| 9                                                                                                  | Haryana                                                                                            | 15,39,515                                                                                          |
| 10                                                                                                 | Himachal Pradesh                                                                                   | 1,24,976                                                                                           |
| 11                                                                                                 | Jammu&Kashmir                                                                                      | 70,750                                                                                             |
| 12                                                                                                 | Jharkhand                                                                                          | 3,75,398                                                                                           |
| 13                                                                                                 | Karnataka                                                                                          | 32,94,187                                                                                          |
| 14                                                                                                 | Kerala                                                                                             | 9,67,535                                                                                           |
| 15                                                                                                 | Madhya Pradesh                                                                                     | 58,28,617                                                                                          |
| 16                                                                                                 | Maharashtra                                                                                        | 49,78,888                                                                                          |
| 17                                                                                                 | Manipur                                                                                            | 6,907                                                                                              |
| 18                                                                                                 | Meghalaya                                                                                          | 35,027                                                                                             |
| 19                                                                                                 | Mizoram                                                                                            | 14,577                                                                                             |
| 20                                                                                                 | Nagaland                                                                                           | 5,088                                                                                              |
| 21                                                                                                 | New Delhi                                                                                          | 573                                                                                                |
| 22                                                                                                 | Odisha                                                                                             | 42,33,447                                                                                          |
| 23                                                                                                 | Puducherry                                                                                         | 7,315                                                                                              |
| 24                                                                                                 | Punjab                                                                                             | 11,15,649                                                                                          |
| 25                                                                                                 | Rajasthan                                                                                          | 41,15,551                                                                                          |
| 26                                                                                                 | Sikkim                                                                                             | 8,310                                                                                              |
| 27                                                                                                 | Tamil nadu                                                                                         | 20,68,904                                                                                          |
| 28                                                                                                 | Telangana                                                                                          | 21,91,374                                                                                          |
| 29                                                                                                 | Tripura                                                                                            | 1,78,943                                                                                           |
| 30                                                                                                 | Uttar Pradesh                                                                                      | 75,35,685                                                                                          |
| 31                                                                                                 | Uttarakhand                                                                                        | 4,08,418                                                                                           |
| 32                                                                                                 | West Bengal                                                                                        | 23,66,350                                                                                          |
|                                                                                                    | TOTAL                                                                                              | 5,01,07,468                                                                                        |

Source: NABARD

## No. of Operative  Kisan Credit Cards (KCCs) of Commercial Banks as on December 31, 2016

(Amount in Rs. Lakh and No. of Cards in Actual)

| Sr. No.   | STATE                |   No. Of Operative KCCs |
|-----------|----------------------|-------------------------|
| 1         | Andamans             |                     505 |
| 2         | Andhra Pradesh       |                 1771487 |
| 3         | Arunachal Pradesh    |                    9505 |
| 4         | Assam                |                  571247 |
| 5         | Bihar                |                 1422541 |
| 6         | Chandigarh           |                    2956 |
| 7         | Chattisgarh          |                  214063 |
| 8         | Dadra & Nagar Haveli |                     547 |
| 9         | Daman & Diu          |                     322 |
| 10        | Delhi                |                    3979 |
| 11        | Goa                  |                    5797 |
| 12        | Gujarat              |                 1082354 |
| 13        | Haryana              |                  640410 |
| 14        | Himachal Pradesh     |                  206992 |
| 15        | Jammu & Kashmir      |                  269145 |
| 16        | Jharkhand            |                  632254 |
| 17        | Karnataka            |                  976287 |
| 18        | Kerala               |                  305338 |
| 19        | Lakshadweep          |                     511 |
| 20        | Madhya Pradesh       |                 1573580 |
| 21        | Maharashtra          |                 2696592 |
| 22        | Manipur              |                   18676 |
| 23        | Meghalaya            |                   57200 |
| 24        | Mizoram              |                   12964 |
| 25        | Nagaland             |                   33617 |
| 26        | Orissa               |                  650735 |
| 27        | Puducherry           |                    4164 |
| 28        | Punjab               |                  840403 |
| 29        | Rajasthan            |                 1953354 |
| 30        | Sikkim               |                    5198 |
| 31        | Tamil Nadu           |                  505395 |
| 32        | Telangana            |                 1833207 |
| 33        | Tripura              |                   80790 |
| 34        | Uttarakhand          |                  391716 |
| 35        | Uttar Pradesh        |                 3922329 |
| 36        | West Bengal          |                 1034688 |
|           | Total                |                23730848 |

Source: RBI

Annexure III to USQ 1664 for 10.03.2017

Aggregate Annual sanctioned credit limit under Kisan Credit Cards - for last three years and current year

(Amount in Rs. Lakh and No. of Cards in

| State/UT   | Annual (2016-17) Upto Dec 2016   | Annual (2016-17) Upto Dec 2016       | Annual (2016-17) Upto Dec 2016   | Annual (2015-16)             | Annual (2015-16)                     | Annual (2015-16)   | Annual (2014-2015)           | Annual (2014-2015)                        | Annual (2014-2015)                        | Annual (2013-201             | Annual (2013-201            | Annual (2013-201   |
|------------|----------------------------------|--------------------------------------|----------------------------------|------------------------------|--------------------------------------|--------------------|------------------------------|-------------------------------------------|-------------------------------------------|------------------------------|-----------------------------|--------------------|
|            | Cards issued During the year     | Agg Crdt Limit Sanctioned during the | year                             | Cards issued During the year | Agg Crdt Limit Sanctioned during the | year               | Cards issued During the year | Agg Crdt Limit Sanctioned during the year | Agg Crdt Limit Sanctioned during the year | Cards issued During the year | Agg Crdt Sanctioned du year |                    |
|            |                                  | Crop Loan                            | Term loan                        |                              | Crop Loan                            | Term loan          |                              | Crop Loan                                 | Term loan                                 |                              | Crop Loan                   |                    |
|            |                                  | Rs. Lakh                             | Rs. Lakh                         |                              | Rs.                                  | Rs.                |                              | Rs. Lakh                                  | Rs. Lakh                                  |                              | Rs. Lakh                    |                    |

|                             |         |         |        |         | Lakh    | Lakh     |         |         |         |                |         |
|-----------------------------|---------|---------|--------|---------|---------|----------|---------|---------|---------|----------------|---------|
| Northern region             | 799358  | 3218806 | 203358 | 1005472 | 4383162 | 343628   | 1217915 | 3863056 | 644749  | 902473         | 3093872 |
| Haryana                     | 166992  | 719418  | 45012  | 200864  | 908136  | 80779    | 165975  | 711325  | 163974  | 150011         | 558237  |
| Himachal Pradesh            | 36571   | 78462   | 4830   | 38524   | 88899   | 5700     | 36876   | 76694   | 5506    | 38334          | 65513   |
| Jammu &Kashmir              | 22791   | 179037  | 4000   | 44016   | 186965  | 5484     | 87345   | 137306  | 13954   | 100377         | 133723  |
| New Delhi                   | 10254   | 23946   | 1460   | 5661    | 15334   | 2485     | 1960    | 10473   | 8601    | 3947           | 27283   |
| Punjab                      | 205859  | 1243818 | 61527  | 271835  | 1844336 | 111555   | 225890  | 1596252 | 210925  | 209790         | 1441778 |
| Rajasthan                   | 356619  | 971248  | 85365  | 443014  | 1330125 | 135108   | 698982  | 1321589 | 237321  | 388292         | 830890  |
| Chandigarh                  | 273     | 2877    | 1163   | 1558    | 9367    | 2515     | 887     | 9417    | 4468    | 11722          | 36448   |
| North-eastern region        | 130124  | 76071   | 19425  | 117918  | 59883   | 26176    | 169392  | 90565   | 51776   | 293554         | 124934  |
| Assam                       | 92004   | 53424   | 15382  | 80913   | 40917   | 20189.00 | 107100  | 58802   | 37827   | 203161         | 86527   |
| Arunachal Pradesh           | 999     | 911     | 2      | 2135    | 1163    | 1.00     | 1348    | 751     | 10      | 3063           | 1981    |
| Meghalaya                   | 9433    | 4906    | 394    | 7011    | 3167    | 645.70   | 21717   | 10589   | 2344    | 20035          | 8423    |
| Mizoram                     | 1556    | 1037    | 17     | 1324    | 774     | 18.01    | 2314    | 1698    | 186     | 4494           | 5058    |
| Manipur                     | 1914    | 1735    | 948    | 1694    | 1219    | 1365.03  | 3165    | 2203    | 5036    | 4724           | 2624    |
| Nagaland                    | 10123   | 5412    | 8      | 7364    | 4046    | 128.70   | 7993    | 4470    | 15      | 30734          | 5253    |
| Tripura                     | 13278   | 8130    | 2360   | 13949   | 6724    | 3399.07  | 23494   | 10848   | 4412    | 20809          | 12159   |
| Sikkim                      | 818     | 517     | 314    | 3528    | 1874    | 429.10   | 2261    | 1205    | 1946    | 6534           | 2909    |
| Western region              | 924380  | 1597939 | 358911 | 826198  | 1494461 | 451311   | 1935224 | 1345801 | 668664  | 943068         | 1427967 |
| Gujarat                     | 251005  | 567902  | 108496 | 218416  | 608672  | 158428   | 175108  | 433993  | 319813  | 222641         | 421480  |
| Maharashtra                 | 672029  | 1027375 | 248093 | 606358  | 883555  | 290065   | 1757122 | 906384  | 335227  | 718061         | 996016  |
| Goa $                       | 1223    | 2126    | 1858   | 1022    | 1556    | 2353     | 2659    | 4696    | 12099   | 2050           | 7671    |
| Daman and Diu               | 47      | 146     | 248    | 273     | 375     | 210      | 132     | 281     | 771     | 136            | 2427    |
| Dadra and Nagar Haveli      | 76      | 389     | 216    | 129     | 302     | 254      | 203     | 446     | 754     | 180            | 372     |
| Central region              | 1480005 | 2056028 | 128742 | 1764432 | 3059938 | 224312   | 1729752 | 2762931 | 340102  | 1682494        | 2712910 |
| Uttar Pradesh               | 1038920 | 1211932 | 53454  | 1231681 | 1885008 | 109486   | 1010557 | 1471749 | 82337   | 122489         | 180231  |
| Uttarakhand                 | 55882   | 95930   | 4267   | 89178   | 184650  | 5312     | 429514  | 660155  | 116612  | 1088607        | 1815180 |
| Madhya Pradesh              | 340031  | 668014  | 59089  | 393786  | 882911  | 93729    | 252204  | 546915  | 124083  | 422279         | 654594  |
| Chhattisgarh                | 45172   | 80151   | 11932  | 49787   | 107369  | 15784    | 37477   | 84112   | 17070   | 49119          | 62905   |
| Southern region             | 2288698 | 3264407 | 712470 | 3771483 | 4200477 | 970788   | 3494616 | 4013909 | 1546488 | 2308075        | 2932033 |
| Karnataka                   | 322546  | 731501  | 289271 | 486890  | 1044413 | 358344   | 441686  | 942672  | 418541  | 418502         | 835669  |
| Kerala                      | 123352  | 269601  | 114817 | 125289  | 299248  | 138975   | 188374  | 352661  | 290029  | 154544         | 293691  |
| Andhra Pradesh              | 968508  | 1177897 | 67715  | 1615694 | 1416885 | 101600   | 734154  | 772451  | 389749  | 1272744        | 1180598 |
| Tamil Nadu                  | 374478  | 511917  | 171376 | 271279  | 461391  | 275048   | 861493  | 1013049 | 331648  | 443573         | 596161  |
| Lakshdweep                  | 77      | 53      | 0      | 189     | 100     | 0        | 1700    | 2845    | 0       | 82             | 39      |
| Puducherry                  | 5308    | 7646    | 2990   | 10544   | 14237   | 5988     | 37198   | 47602   | 17153   | 18630          | 25876   |
| Eastern region              | 606698  | 380678  | 102984 | 943845  | 559649  | 168931   | 854423  | 945181  | 275794  |                | 720992  |
| Odisha                      | 153164  | 89103   | 46023  | 165750  | 86327   | 61669    | 204305  | 104951  | 123283  | 1509527 256122 | 116087  |
| West Bengal                 | 160014  | 117348  | 32150  | 304647  | 190750  | 46361    | 199994  | 541624  | 64819   | 353589         | 189800  |
| Andaman and Nicobar Islands | 180     | 289     | 8      | 317     | 220     | 22       | 19      | 185     | 144     | 623            | 309     |
| Jharkhand                   | 85543   | 33931   | 5340   | 152854  | 58890   | 17017    | 156882  |         | 23555   | 219138         | 74427   |
|                             |         |         |        |         |         |          |         | 67442   |         |                |         |

Total 6229263 10593928 1525890 8429348 13757570 2185145 9401322 13021442 3527572 7639191 11012706

Source: RBI