Lok Sabha Question No. 3621 (UNSTARRED), answered on 2019-12-10
Subject: Issue of KCC
Ministry: AGRICULTURE AND FARMERS WELFARE
Asked by: Ajay Nishad

## GOVERNMENT OF INDIA MINISTRY OF AGRICULTURE AND FARMERS WELFARE DEPARTMENT OF AGRICULTURE, COOPERATION AND FARMERS WELFARE

## LOK SABHA

## UNSTARRED QUESTION NO.3621

TO BE ANSWERED ON THE 10 TH  DECEMBER, 2019

## ISSUE OF KCC

## 3621.  SHRI AJAY NISHAD:

Will the Minister of AGRICULTURE AND FARMERS WELFARE कृ ष एवं कसान कयाण मंी be pleased to state:

- (a) the number of Kisan Credit Cards (KCCs) issued as on date, State-wise;
- (b) whether the complaints regarding non-issuance of credit cards to the farmers have been received by the Government during the last three years;
- (c) if  so,  the  details  thereof,  State-wise  and  the  remedial  steps  or  measures  taken/  being taken by the Government in this regard;
- (d) whether some problems are being faced in sanctioning the loans to be provided through Kisan Credit Cards and recovery of loan; and
- (e) if so, the details thereof and the details of corrective measures taken by the Government in this regard?

## ANSWER

## MINISTER OF AGRICULTURE AND FARMERS WELFARE

कृ ष एवं कसान कयाण मंी (SHRI NARENDRA SINGH TOMAR)

- (a): The State-wise details of operative  Kisan  Credit  Cards  (KCCs)  as  on  30 th September, 2019 is at Annexure.

(b) & (c):   Kisan Credit Card is issued by Scheduled Commercial Banks, Cooperative Banks and Regional  Rural  Banks  for  which  the  nodal  agencies  are  RBI  and  NABARD  respectively. Complaints for non-issuance of KCC are received by the RBI and NABARD and are forwarded to concerned banks for redressal. However, such data is not centrally maintained by them.

(d) & (e):  The Government has taken many steps to alleviate the problems faced by farmers regarding  issue  of  KCC.    Processing  fee,  inspection,  ledger  folio  charges  and  all  other service charges for short term crop loans upto Rs.3.00 lakh have been waived off. Collateral fee loan  limit  for  short  term  agri-credit  has  been  raised  from  Rs.1.00  lakh  to  Rs.1.60  lakh. Government  has  introduced  KCC  scheme  for  Animal  Husbandry  and  Fisheries  in  order  to provide short term working capital loans to Animal Husbandry and Fisheries farmers. Benefit of Interest  Subvention  Scheme  has  also  been  extended  on  KCC  for  animal  husbandry  and fisheries farmers' upto loan limit of Rs. 2 lakh per farmer so as to reduce the burden of interest component on farmers and provide hassle free short term working capital  loans  to them. To bring the maximum number of farmers under KCC in order to provide loan to them at a cheaper

Rate  under  the  Interest  Subvention  Scheme  (ISS),  Union  Government  has  launched  a campaign to saturate the farmers with KCC through financial institutions including Commercial Banks, Cooperative Banks  and Regional Rural Banks  in collaboration with the State Governments  and  State  Level  Bankers  Committees  (SLBCs).  Government  had  formulated  a detailed strategy and shared it among the participating agencies to be adopted for making the campaign successful, which includes issue of simplified standard application form and KCC to be issued in a time-bound manner within 14 days from the date of receiving of completed form.

*******

## ANNEXURE

## State-wise  details  of  operative  Kisan  Credit  Cards  (KCCs)  as  on  30 th September, 2019

| Name of the States/Union Territories   | (KCCs) as on   |
|----------------------------------------|----------------|
| Andaman - Nicobar Islands              | 5,229          |
| Andhra Pradesh                         | 49,98,351      |
| Arunachal Pradesh                      | 17,187         |
| Assam                                  | 9,07,207       |
| Bihar                                  | 31,52,618      |
| Chandigarh                             | 501            |
| Chattisgarh                            | 14,87,976      |
| Dadra - Nagar Haveli                   | 426            |
| Daman And Diu                          | 411            |
| Delhi                                  | 3,644          |
| Goa                                    | 6,848          |
| Gujarat                                | 24,10,806      |
| Haryana                                | 20,82,623      |
| Himachal Pradesh                       | 3,58,197       |
| Jammu And Kashmir                      | 1,17,352       |
| Jharkhand                              | 15,12,784      |
| Karnataka                              | 41,65,621      |
| Kerala                                 | 13,39,421      |
| Lakshadweep                            | 436            |
| Madhya Pradesh                         | 61,19,997      |
| Maharashtra                            | 63,55,315      |
| Manipur                                | 25,963         |
| Meghalaya                              | 1,14,048       |
| Mizoram                                | 21,939         |
| Nagaland                               | 35,193         |
| Odisha                                 | 40,75,574      |
| Puducherry                             | 14,267         |
| Punjab                                 | 18,82,615      |
| Rajasthan                              | 51,47,835      |
| Sikkim                                 | 13,950         |
| Tamil Nadu                             | 21,40,265      |
| Telangana                              | 49,83,523      |
| Tripura                                | 2,70,178       |
| Uttar Pradesh                          | 1,29,61,936    |
| Uttarakhand                            | 4,99,428       |
| West Bengal                            | 30,63,411      |
| Total                                  | 7,02,93,075    |

Source: National Bank for Agriculture and Rural Development (NABARD)

- *******