Lok Sabha Question No. 2762 (UNSTARRED), answered on 2016-12-02
Subject: Kisan Credit Cards
Ministry: FINANCE
Asked by: DEEPENDER SINGH HOODA

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

## LOK SABHA

To be answered on December 02, 2016/Agrahayana11, 1938 (Saka)

## Unstarred Question No. 2762 Kisan Credit Cards

## 2762. SHRI DEEPENDER SINGH HOODA:

Will the Minister of FINANCE be pleased to state:

- (a) the number of Kisan Credit Cards (KCCs) holders in the country, State/UTwise;
- (b) the details of loans 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 including Rajasthan;
- (c) whether the Government proposes to relax the rules to facilitate KCCs; and
- (d) if so, the details thereof and the steps taken/being taken by the Government in this regard?

## Answer The Minister of State in the Ministry of Finance (Shri Santosh Kumar Gangwar)

- (a):  The  State-wise  number  of  Kisan  Credit  Cards  (KCCs)  issued  by  Commercial  Banks  as  on 30.06.2016, as reported by Reserve Bank of India(RBI), is given in Annex-I. The State-wise number of KCCs issued by Cooperative Banks and Regional Rural Banks upto 31.08.2016, as reported by National Bank for Agriculture & Rural Development (NABARD) is given in Annex-II.
- (b): The State-wise details of loans sanctioned under KCC by Public Sector Banks (PSBs) during the last three years and the current year (up to 30.06.2016) are given in Annex-III.

Interest rates on loans have been deregulated by RBI and they are now linked to the Base Rate fixed by the  banks.  However,  with  a  view  to  ensuring  availability  of  short  term  agriculture  credit  at  a  reduced interest rate of 7% p.a. to farmers, Government of India 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.

Separate target for issuing KCCs is not fixed. However, Government fixes the target for agriculture credit, which  has  been  surpassed  by  banks  including  PSBs  over  the  years.  The  details  of  target  and achievement in respect of agricultural loans by Commercial Banks including PSBs, Cooperative Banks and Regional Rural Banks during the last three years and current year are as follows :-

(Rs. in crore)

| Year                       | Target   | Achievement                     |
|----------------------------|----------|---------------------------------|
| 2012-13                    | 5,75,000 | 6,07,376                        |
| 2013-14                    | 7,00,000 | 7,30,122.62                     |
| 2014-15                    | 8,00,000 | 8,45,328.23                     |
| 2015-16                    | 8,50,000 | 8,77,527.05                     |
| 2016-17 (up to 30.09.2016) | 9,00,000 | 7,55,995.16* (up to 30.09.2016) |

- (c)  &  (d):  In  order  to  ensure  that all  eligible farmers are provided  with hassle-free and timely credit for their  agricultural  operations,  the  Government  has  introduced  the  KCC  Scheme  which  enables  them  to draw cash to purchase agricultural inputs such as seeds, fertilizers, pesticides, etc.The KCC Scheme has been  simplified  further  w.e.f.  2012,  which  has    provisions  of  ATM  enabled  debit  card;  loan  for  postharvest/consumption/household  requirements  and  maintenance  of  farm  assets;  increase  in  validity  of KCC to five years;built-in cost escalation in the limit; any number of drawals within the limit, etc.

## Annex-I referred to in reply to part (a) of USQ 2762 for 2.12.2016

## No. of operative KCC - JUNE 2016 - Commercial Banks

| S.No.   | State                | (in actuals)   |
|---------|----------------------|----------------|
| 1       | 2 7                  | 2 7            |
| 1       | Andamans             | 573            |
| 2       | Andhra Pradesh       | 1599492        |
| 3       | Arunachal Pradesh    | 10061          |
| 4       | Assam                | 565214         |
| 5       | Bihar                | 1398140        |
| 6       | Chandigarh           | 1226           |
| 7       | Chattisgarh          | 206345         |
| 8       | Dadra & Nagar Haveli | 548            |
| 9       | Daman & Diu          | 319            |
| 10      | Delhi                | 12030          |
| 11      | Goa                  | 3433           |
| 12      | Gujarat              | 1054663        |
| 13      | Haryana              | 615810         |
| 14      | Himachal Pradesh     | 205080         |
| 15      | Jammu & Kashmir      | 262389         |
| 16      | Jharkhand            | 616285         |
| 17      | Karnataka            | 894117         |
| 18      | Kerala               | 294755         |
| 19      | Lakshadweep          | 581            |
| 20      | Madhya Pradesh       | 1534681        |
| 21      | Maharashtra          | 2229030        |
| 22      | Manipur              | 18460          |
| 23      | Meghalaya            | 54690          |
| 24      | Mizoram              | 13469          |
| 25      | Nagaland             | 33107          |
| 26      | Orissa               | 642766         |
| 27      | Puducherry           | 4492           |
| 28      | Punjab               | 810351         |
| 29      | Rajasthan            | 1871382        |
| 30      | Sikkim               | 5145           |
| 31      | Tamil Nadu           | 512459         |
| 32      | Telangana            | 1283140        |
| 33      | Tripura              | 79457          |
| 34      | Uttarakhand          | 229989         |
| 35      | Uttar Pradesh        | 3877438        |
| 36      | West Bengal          | 1009807        |
|         | Total                | 21950924       |

Source: RBI

## Annex-II referred to in reply to part (a) of USQ 2762 for 2.12.2016

## No. of Operative KCC as on 31/08/2016  in respect of Cooperative Banks and RRBs

| State Andhra Pradesh   | 2,294,445   |
|------------------------|-------------|
| Assam                  | 382,832     |
| Arunachal Pradesh #    | 3,744       |
| Bihar                  | 1,854,159   |
| Gujarat                | 1,737,113   |
| Goa $                  | 1,344       |
| Haryana                | 1,536,600   |
| Himachal Pradesh       | 125,196     |
| Jammu & Kashmir        | 50,033      |
| Karnataka              | 3,257,732   |
| Kerala                 | 960,087     |
| Madhya Pradesh         | 5,806,383   |
| Maharashtra            | 5,060,173   |
| Meghalaya #            | 36,415      |
| Mizoram #              | 15,522      |
| Manipur #              | 7,358       |
| Nagaland #             | 2,972       |
| Odisha                 | 4,233,998   |
| Punjab                 | 1,115,074   |
| Rajasthan              | 4,176,061   |
| Sikkim #$              | 8,310       |
| Tamilnadu              | 2,073,736   |
| Tripura #              | 178,951     |
| Telangana              | 2,160,501   |
| Uttar Pradesh          | 7,531,907   |
| West Bengal            | 2,355,431   |
| A & N Islands #$       | 6,615       |
| Chandigarh $           | -           |
| Daman & Diu #$         | -           |
| New Delhi #$           | 480         |
| D & N Haveli @$        | -           |
| Lakshdweep @$          | -           |
| Puducherry #           | 7,267       |
| Jharkhand              | 249,670     |
| Chhattisgarh           | 2,515,866   |
| Uttarakhand            | 425,811     |
| Total                  | 50,171,786  |

Source: NABARD

- #   State Cooperative Bank functions as Central Financing Agency
- @   No Cooperative Banks in these UTs.
- $     No RRB in these States/UTs.

KCC - Public Sector Banks

## (Amount in Rupees thousands)

| Particulars          | Agg Crdt Limit Sanctioned (2013)   | Agg Crdt Limit Sanctioned (2014)   | Agg Crdt Limit Sanctioned (2015)   | Agg Crdt Limit Sanctioned (As on 30 June 2016)   |
|----------------------|------------------------------------|------------------------------------|------------------------------------|--------------------------------------------------|
| State/Year           |                                    |                                    |                                    |                                                  |
| Andamans             | 305.50                             | 203.03                             | 246.00                             | 71.70                                            |
| Andhra Pradesh       | 934743.20                          | 650028.37                          | 1400594.47                         | 627325.57                                        |
| Arunachal Pradesh    | 1940.84                            | 935.42                             | 976.71                             | 438.55                                           |
| Assam                | 82419.51                           | 56282.13                           | 43007.09                           | 16755.64                                         |
| Bihar                | 346273.83                          | 218690.39                          | 222687.08                          | 115386.76                                        |
| Chandigarh           | 29126.61                           | 5943.81                            | 4915.46                            | 1775.65                                          |
| Chattisgarh          | 52582.19                           | 64134.50                           | 87178.93                           | 53617.49                                         |
| Dadra & Nagar Haveli | 106.53                             | 299.74                             | 145.35                             | 57.60                                            |
| Daman & Diu          | 5.15                               | 242.00                             | 318.95                             | 30.76                                            |
| Delhi                | 11401.31                           | 8043.05                            | 2798.61                            | 1042.13                                          |
| Goa                  | 7074.89                            | 5354.02                            | 1383.61                            | 593.85                                           |
| Gujarat              | 329337.08                          | 315109.27                          | 423978.15                          | 422297.16                                        |
| Haryana              | 350173.93                          | 404671.49                          | 536403.05                          | 314492.22                                        |
| Himachal Pradesh     | 51291.75                           | 56226.32                           | 68840.10                           | 34821.10                                         |
| Jammu & Kashmir      | 4183.84                            | 4412.01                            | 5422.21                            | 2556.34                                          |
| Jharkhand            | 76874.00                           | 54680.91                           | 52651.86                           | 35547.67                                         |
| Karnataka            | 655418.27                          | 788689.79                          | 843682.22                          | 439016.48                                        |
| Kerala               | 132806.55                          | 195422.83                          | 164193.13                          | 103465.41                                        |
| Lakshadweep          | 27.28                              | 2783.91                            | 144.17                             | 59.70                                            |
| Madhya Pradesh       | 592392.20                          | 388262.33                          | 592136.77                          | 458053.62                                        |
| Maharashtra          | 875974.30                          | 634580.23                          | 746963.57                          | 509294.43                                        |
| Manipur              | 2728.51                            | 2532.94                            | 980.40                             | 642.54                                           |
| Meghalaya            | 8198.75                            | 10277.50                           | 5132.86                            | 1587.20                                          |
| Mizoram              | 4517.05                            | 1970.18                            | 836.30                             | 368.07                                           |
| Nagaland             | 5070.13                            | 4284.79                            | 4394.65                            | 1691.01                                          |
| Orissa               | 111018.99                          | 100824.71                          | 73169.88                           | 52413.23                                         |
| Puducherry           | 18778.31                           | 47433.69                           | 20463.98                           | 3398.58                                          |
| Punjab               | 909887.08                          | 927511.98                          | 1047486.71                         | 608624.59                                        |
| Rajasthan            | 700872.83                          | 1099832.89                         | 1009106.33                         | 555778.69                                        |
| Sikkim               | 11021.87                           | 1392.02                            | 1514.51                            | 711.75                                           |
| Tamil Nadu           | 520196.44                          | 925635.92                          | 347343.23                          | 207152.30                                        |
| Telangana            | 0.00                               | 423528.44                          | 1198227.82                         | 223825.61                                        |
| Tripura              | 11516.20                           | 8169.69                            | 6542.47                            | 2232.35                                          |
| Uttarakhand          | 175503.67                          | 167398.07                          | 183084.16                          | 78367.46                                         |
| Uttar Pradesh        | 1458548.01                         | 2000189.10                         | 1628014.13                         | 1066537.00                                       |
| West Bengal          | 202307.72                          | 544056.94                          | 178184.50                          | 74032.42                                         |
| All India            | 8674624.31                         | 10120034.42                        | 10903149.45                        | 6014062.64                                       |