Lok Sabha Question No. 2503 (UNSTARRED), answered on 2018-03-09
Subject: Kisan Credit Cards
Ministry: FINANCE
Asked by: JAGDAMBIKA PAL

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

## LOK SABHA

Unstarred Question No. †2503

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

## Kisan Credit Cards

†2503. SHRI JAGDAMBIKA PAL:

Will the Minister of FINANCE be pleased to state:

- (a) the number of Kisan Credit Cards (KCCs) holders in the country during the last two years, State/UT-wise;
- (b) the loans sanctioned and disbursed by the banks to the farmers under KCC schemes during the said period, State/UTwise;
- (c) whether the Government has directed the banks to increase the number of KCC holders and raise the amount of loan to be distributed under KCC scheme and if so, the details thereof;
- (d) whether the Government proposes to relax the rules to facilitate KCC, if so, the details thereof;
- (e)  whether the Government is formulating any policy of loan waiving on KCC under the scheme and if so, the details thereof; and
- (f) whether the Government has received any complaints against banks for irregularities in facilitating interest rate on KCC and 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 Shiv Pratap Shukla)

- (a) to (d): The state wise/UT wise number of Kisan Credit Cards (KCCs) holders and amount outstanding during the  last  two  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 Regional Rural Banks (RRBs) as reported by National Bank for Agriculture and Rural Development (NABARD), is given in Annexure II.

Government  fixes  agriculture  credit  disbursement  targets  for  the  banking  sector  every  year  and  banks  have consistently  surpassed  these  targets.  The  details  of  agriculture  credit  targets  fixed  by  the  Government  and  the achievement by the Banks, for the last two years (2015-16 and 2016-17) are given as under:

## Agriculture Credit Target & Achievement

## (Amount. in Rs. Crore)

| Year    | Target allotted by GoI   | Achievement   |
|---------|--------------------------|---------------|
| 2015-16 | 8,50,000.00              | 9,15,509.92*  |
| 2016-17 | 9,00,000.00              | 10,65,755.67* |

Source: NABARD

*Provisional

The  Government  has  introduced  the  Kisan  Credit  Card  (KCC)  Scheme,  which  enables  farmers  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 converted into 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 Government has been closely monitoring the progress of conversion of Kisan Credit Cards (KCCs) to RuPay ATM cum Debit Kisan Credit Cards (RKCCs), the use of RKCCs may increase the frequency of funds  accessed  by  the  farmer  as  there  will  be  ease  in  withdrawing  cash  as  and  when  required.  This  periodic withdrawal of small amounts will help in reducing the interest burden on the farmers and enable them to access credit as per their needs.

- (e): There is no proposal under consideration of Union Government for waiving of farm loan.
- (f):  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 irregularities in facilitating interest rate on KCC, is not centrally maintained.

| Annexure I to USQ 2503 for 09.03.2018   | Annexure I to USQ 2503 for 09.03.2018   | Annexure I to USQ 2503 for 09.03.2018   | Annexure I to USQ 2503 for 09.03.2018   | Annexure I to USQ 2503 for 09.03.2018   | Annexure I to USQ 2503 for 09.03.2018   |
|-----------------------------------------|-----------------------------------------|-----------------------------------------|-----------------------------------------|-----------------------------------------|-----------------------------------------|
| Kisan Credit Card Scheme                | Kisan Credit Card Scheme                | Kisan Credit Card Scheme                | Kisan Credit Card Scheme                | Kisan Credit Card Scheme                | Kisan Credit Card Scheme                |
|                                         |                                         |                                         |                                         | (No. in Actual & Amount 2015-16         | (No. in Actual & Amount 2015-16         |
| S.No.                                   |                                         | Operative KCCs                          | Amount Outstanding                      | Operative KCCs                          | Amount Outstanding                      |
|                                         |                                         |                                         | Total                                   |                                         | Total                                   |
| 1                                       | Andamans                                | 577                                     | 272.19                                  | 432                                     | 298.19                                  |
| 2                                       | Andhra Pradesh                          | 1778575                                 | 2121976.77                              | 1753878                                 | 2299666.74                              |
| 3                                       | Arunachal Pradesh                       | 9960                                    | 5995.74                                 | 8574                                    | 5488.67                                 |
| 4                                       | Assam                                   | 568181                                  | 309849.82                               | 496801                                  | 312670.28                               |
| 5                                       | Bihar                                   | 1405200                                 | 1034408.67                              | 1443624                                 | 1111440.81                              |
| 6                                       | Chandigarh                              | 8428                                    | 46967.64                                | 10484                                   | 54361.30                                |
| 7                                       | Chattisgarh                             | 201566                                  | 354564.65                               | 219235                                  | 425922.65                               |
| 8                                       | Dadra & Nagar Haveli                    | 541                                     | 1472.04                                 | 527                                     | 1556.98                                 |
| 9                                       | Daman & Diu                             | 308                                     | 857.94                                  | 314                                     | 773.06                                  |
| 10                                      | Delhi                                   | 8389                                    | 25078.39                                | 4893                                    | 27650.61                                |
| 11                                      | Goa                                     | 2869                                    | 6845.80                                 | 7212                                    | 18358.77                                |
| 12                                      | Gujarat                                 | 1038301                                 | 2356049.40                              | 1070354                                 | 2664767.11                              |
| 13                                      | Haryana                                 | 603620                                  | 2371127.50                              | 654854                                  | 2669983.61                              |
| 14                                      | Himachal Pradesh                        | 184180                                  | 287016.48                               | 208895                                  | 346884.59                               |
| 15                                      | Jammu & Kashmir                         | 248104                                  | 330208.66                               | 274609                                  | 350375.46                               |
| 16                                      | Jharkhand                               | 615165                                  | 251982.68                               | 642314                                  | 275237.32                               |
| 17                                      | Karnataka                               | 977326                                  | 2640073.55                              | 932400                                  | 2849586.25                              |
| 18                                      | Kerala                                  | 310248                                  | 985210.37                               | 311424                                  | 1196089.65                              |
| 19                                      | Lakshadweep                             | 594                                     | 278.33                                  | 508                                     | 243.63                                  |
| 20                                      | Madhya Pradesh                          | 1532783                                 | 3070360.83                              | 1640177                                 | 3437332.64                              |
| 21                                      | Maharashtra                             | 2462070                                 | 3495399.74                              | 2446364                                 | 3809879.40                              |
| 22                                      | Manipur                                 | 18064                                   | 12956.96                                | 14988                                   | 11381.51                                |
| 23                                      | Meghalaya                               | 55435                                   | 28244.50                                | 56598                                   | 30797.01                                |
| 24                                      | Mizoram                                 | 12912                                   | 8296.83                                 | 12395                                   | 8366.76                                 |
| 25                                      | Nagaland                                | 30749                                   | 15046.14                                | 32758                                   | 15925.74                                |
| 26                                      | Orissa                                  | 657475                                  | 438433.89                               | 602490                                  | 449437.05                               |
| 27                                      | Puducherry                              | 4560                                    | 16510.03                                | 15499                                   | 58847.91                                |
| 28                                      | Punjab                                  | 805172                                  | 4542011.94                              | 862228                                  | 4917378.61                              |
| 29                                      | Rajasthan                               | 1857950                                 | 4313970.18                              | 2000765                                 | 5044590.25                              |
| 30                                      | Sikkim                                  | 7185                                    | 5499.07                                 | 4664                                    | 4771.64                                 |
| 31                                      | Tamil Nadu                              | 549516                                  | 1246585.23                              | 506183                                  | 1341306.83                              |
| 32                                      | Telangana                               | 2314711                                 | 1539282.36                              | 1356409                                 | 1938726.96                              |
| 33                                      | Tripura                                 | 79112                                   | 33966.07                                | 45739                                   | 26058.42                                |
| 34                                      | Uttarakhand                             | 223652                                  | 424249.64                               | 389100                                  | 641787.33                               |
| 35                                      | Uttar Pradesh                           | 3888982                                 | 5277576.06                              | 4450262                                 | 6454175.58                              |
| 36                                      | West Bengal                             | 1007329                                 | 585027.50                               | 822998                                  | 533069.79                               |
|                                         | Total                                   | 23469789                                | 38183653.59                             | 23300949                                | 43335189.11                             |

| Annexure II to USQ 2503 for 09.03.2018 State-wise number of live and OperativeKCC accounts and State- wise amount outstanding under KCC loan issued as at the end of each year for 2015-16 and 2016-17 in respect of Cooperative   | Annexure II to USQ 2503 for 09.03.2018 State-wise number of live and OperativeKCC accounts and State- wise amount outstanding under KCC loan issued as at the end of each year for 2015-16 and 2016-17 in respect of Cooperative   | Annexure II to USQ 2503 for 09.03.2018 State-wise number of live and OperativeKCC accounts and State- wise amount outstanding under KCC loan issued as at the end of each year for 2015-16 and 2016-17 in respect of Cooperative   | Annexure II to USQ 2503 for 09.03.2018 State-wise number of live and OperativeKCC accounts and State- wise amount outstanding under KCC loan issued as at the end of each year for 2015-16 and 2016-17 in respect of Cooperative   | Annexure II to USQ 2503 for 09.03.2018 State-wise number of live and OperativeKCC accounts and State- wise amount outstanding under KCC loan issued as at the end of each year for 2015-16 and 2016-17 in respect of Cooperative   | (Amt. in Crores)   |
|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|--------------------|
|                                                                                                                                                                                                                                    |                                                                                                                                                                                                                                    | No. of Operative Cards                                                                                                                                                                                                             | Amount Outstanding                                                                                                                                                                                                                 | No. of Operative Cards                                                                                                                                                                                                             | Amount Outstanding |
| No.                                                                                                                                                                                                                                | State                                                                                                                                                                                                                              | 2015-16                                                                                                                                                                                                                            | 2015-16                                                                                                                                                                                                                            | 2016-17                                                                                                                                                                                                                            | 2016-17            |
| 1                                                                                                                                                                                                                                  | Andhra Pradesh                                                                                                                                                                                                                     | 22,39,664                                                                                                                                                                                                                          | 11,147.82                                                                                                                                                                                                                          | 23,37,304                                                                                                                                                                                                                          | 13,436.51          |
| 2                                                                                                                                                                                                                                  | Assam                                                                                                                                                                                                                              | 4,11,221                                                                                                                                                                                                                           | 1,680.29                                                                                                                                                                                                                           | 2,91,694                                                                                                                                                                                                                           | 1,000.16           |
| 3                                                                                                                                                                                                                                  | Arunachal Pradesh                                                                                                                                                                                                                  | 3,744                                                                                                                                                                                                                              | 17.99                                                                                                                                                                                                                              | 3,983                                                                                                                                                                                                                              | 15.18              |
| 4                                                                                                                                                                                                                                  | Bihar                                                                                                                                                                                                                              | 18,47,752                                                                                                                                                                                                                          | 7,016.52                                                                                                                                                                                                                           | 18,03,244                                                                                                                                                                                                                          | 8,752.58           |
| 5                                                                                                                                                                                                                                  | Gujarat                                                                                                                                                                                                                            | 17,28,740                                                                                                                                                                                                                          | 10,167.95                                                                                                                                                                                                                          | 16,98,706                                                                                                                                                                                                                          | 11,415.08          |
| 6                                                                                                                                                                                                                                  | Goa                                                                                                                                                                                                                                | 1,343                                                                                                                                                                                                                              | 17.46                                                                                                                                                                                                                              | 2,335                                                                                                                                                                                                                              | 16.40              |
| 7                                                                                                                                                                                                                                  | Haryana                                                                                                                                                                                                                            | 15,34,304                                                                                                                                                                                                                          | 12,112.91                                                                                                                                                                                                                          | 14,58,365                                                                                                                                                                                                                          | 12,166.36          |
| 8                                                                                                                                                                                                                                  | Himachal Pradesh                                                                                                                                                                                                                   | 1,36,801                                                                                                                                                                                                                           | 1,449.56                                                                                                                                                                                                                           | 1,26,967                                                                                                                                                                                                                           | 1,652.78           |
| 9                                                                                                                                                                                                                                  | Jammu&Kashmir                                                                                                                                                                                                                      | 50,033                                                                                                                                                                                                                             | 360.69                                                                                                                                                                                                                             | 71,858                                                                                                                                                                                                                             | 570.98             |
| 10                                                                                                                                                                                                                                 | Karnataka                                                                                                                                                                                                                          | 32,84,231                                                                                                                                                                                                                          | 17,500.59                                                                                                                                                                                                                          | 32,31,692                                                                                                                                                                                                                          | 19,269.01          |
| 11                                                                                                                                                                                                                                 | Kerala                                                                                                                                                                                                                             | 9,47,390                                                                                                                                                                                                                           | 3,868.40                                                                                                                                                                                                                           | 9,64,251                                                                                                                                                                                                                           | 4,034.17           |
| 12                                                                                                                                                                                                                                 | Madhya Pradesh                                                                                                                                                                                                                     | 57,76,571                                                                                                                                                                                                                          | 16,351.86                                                                                                                                                                                                                          | 59,17,637                                                                                                                                                                                                                          | 18,565.24          |
| 13                                                                                                                                                                                                                                 | Maharashtra                                                                                                                                                                                                                        | 54,70,624                                                                                                                                                                                                                          | 17,765.60                                                                                                                                                                                                                          | 45,64,350                                                                                                                                                                                                                          | 21,528.74          |
| 14                                                                                                                                                                                                                                 | Meghalaya                                                                                                                                                                                                                          | 16,074                                                                                                                                                                                                                             | 30.35                                                                                                                                                                                                                              | 35,702                                                                                                                                                                                                                             | 119.93             |
| 15                                                                                                                                                                                                                                 | Mizoram                                                                                                                                                                                                                            | 15,522                                                                                                                                                                                                                             | 69.91                                                                                                                                                                                                                              | 7,513                                                                                                                                                                                                                              | 91.28              |
| 16                                                                                                                                                                                                                                 | Manipur                                                                                                                                                                                                                            | 7,066                                                                                                                                                                                                                              | 17.14                                                                                                                                                                                                                              | 7,442                                                                                                                                                                                                                              | 22.23              |
| 17                                                                                                                                                                                                                                 | Nagaland                                                                                                                                                                                                                           | 2,972                                                                                                                                                                                                                              | 10.27                                                                                                                                                                                                                              | 5,186                                                                                                                                                                                                                              | 15.26              |
| 18                                                                                                                                                                                                                                 | Odisha                                                                                                                                                                                                                             | 51,50,219                                                                                                                                                                                                                          | 10,267.52                                                                                                                                                                                                                          | 41,32,602                                                                                                                                                                                                                          | 10,078.34          |
| 19                                                                                                                                                                                                                                 | Punjab                                                                                                                                                                                                                             | 11,14,937                                                                                                                                                                                                                          | 10,640.40                                                                                                                                                                                                                          | 11,17,800                                                                                                                                                                                                                          | 11,104.48          |
| 20                                                                                                                                                                                                                                 | Rajasthan                                                                                                                                                                                                                          | 44,47,320                                                                                                                                                                                                                          | 19,837.34                                                                                                                                                                                                                          | 40,13,914                                                                                                                                                                                                                          | 20,766.80          |
| 21                                                                                                                                                                                                                                 | Sikkim                                                                                                                                                                                                                             | 8,040                                                                                                                                                                                                                              | 9.73                                                                                                                                                                                                                               | 8,328                                                                                                                                                                                                                              | 10.00              |
| 22                                                                                                                                                                                                                                 | Tamilnadu                                                                                                                                                                                                                          | 20,61,309                                                                                                                                                                                                                          | 6,873.49                                                                                                                                                                                                                           | 16,13,734                                                                                                                                                                                                                          | 6,053.51           |
| 23                                                                                                                                                                                                                                 | Tripura                                                                                                                                                                                                                            | 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                                                                                                                                                                                                                      | 74,71,939                                                                                                                                                                                                                          | 30,373.36                                                                                                                                                                                                                          | 75,66,185                                                                                                                                                                                                                          | 33,544.00          |
| 26                                                                                                                                                                                                                                 | West Bengal                                                                                                                                                                                                                        | 25,14,771                                                                                                                                                                                                                          | 5,652.09                                                                                                                                                                                                                           | 23,68,373                                                                                                                                                                                                                          | 5,838.68           |
| 27                                                                                                                                                                                                                                 | A&NIslands                                                                                                                                                                                                                         | 6,424                                                                                                                                                                                                                              | 10.73                                                                                                                                                                                                                              | 6,028                                                                                                                                                                                                                              | 11.93              |
| 28                                                                                                                                                                                                                                 | Chandigarh                                                                                                                                                                                                                         | -                                                                                                                                                                                                                                  | -                                                                                                                                                                                                                                  | -                                                                                                                                                                                                                                  | -                  |
| 29                                                                                                                                                                                                                                 | Daman& Diu                                                                                                                                                                                                                         | -                                                                                                                                                                                                                                  | -                                                                                                                                                                                                                                  | -                                                                                                                                                                                                                                  | -                  |
| 30                                                                                                                                                                                                                                 | New Delhi                                                                                                                                                                                                                          | 461                                                                                                                                                                                                                                | 7.20                                                                                                                                                                                                                               | 604                                                                                                                                                                                                                                | 10.45              |
| 31                                                                                                                                                                                                                                 | D&NHaveli                                                                                                                                                                                                                          | -                                                                                                                                                                                                                                  | -                                                                                                                                                                                                                                  | -                                                                                                                                                                                                                                  | -                  |
| 32                                                                                                                                                                                                                                 | Lakshdweep                                                                                                                                                                                                                         | -                                                                                                                                                                                                                                  | -                                                                                                                                                                                                                                  | -                                                                                                                                                                                                                                  | -                  |
| 33                                                                                                                                                                                                                                 | Puducherry                                                                                                                                                                                                                         | 7,197                                                                                                                                                                                                                              | 24.88                                                                                                                                                                                                                              | 7,377                                                                                                                                                                                                                              | 13.36              |
| 34                                                                                                                                                                                                                                 | Jharkhand                                                                                                                                                                                                                          | 3,86,435                                                                                                                                                                                                                           | 1,000.88                                                                                                                                                                                                                           | 3,86,860                                                                                                                                                                                                                           | 1,266.96           |
| 35                                                                                                                                                                                                                                 | Chhattisgarh                                                                                                                                                                                                                       | 24,33,017                                                                                                                                                                                                                          | 2,378.77                                                                                                                                                                                                                           | 16,24,867                                                                                                                                                                                                                          | 2,184.51           |
| 36                                                                                                                                                                                                                                 | Uttarakhand                                                                                                                                                                                                                        | 4,27,342                                                                                                                                                                                                                           | 1,234.37                                                                                                                                                                                                                           | 3,98,773                                                                                                                                                                                                                           | 1,267.13           |
| Source: NABARD                                                                                                                                                                                                                     | Total                                                                                                                                                                                                                              | 518,00,220                                                                                                                                                                                                                         | 1,96,781.15                                                                                                                                                                                                                        | 481,54,003                                                                                                                                                                                                                         | 2,14,620.19        |