Lok Sabha Question No. 5177 (UNSTARRED), answered on 2022-04-04
Subject: KCC Loans
Ministry: FINANCE
Asked by: Mohanbhai Kalyanji Kundariya

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

## LOK SABHA

Answered on

Unstarred Question No. 5177 Monday, April 4, 2022/Chaitra 14, 1944 (Saka)

## KCC LOANS

## 5177. SHRI MOHANBHAI KALYANJI KUNDARIYA:

Will the Minister of FINANCE be pleased to state:

- (a) the details of loans disbursed under Kisan Credit Card (KCC) during the last three years in the country including Gujarat along with the number of loans above rupees three lakhs among them, State and wise; year-
- b) whether the Government proposes to increase the maximum limit of loans under KCC scheme in view of increasing expenditure of farmers;
- c) if s0, the details thereof and if not; the reasons therefor indicating the maximum limit of loans at present; and
- d) the total number of farmers covered under the KCC scheme in Gujarat during the said period along with the number of applications pending at present?

## Answer

## THE MINISTER OF STATE IN THE MINISTR Y OF FINANCE (DR BHAGWAT KARAD)

(a) to (d): Details of operative Kisan Credit Card (KCC) and amount outstanding for financial years 201819,2019-20 and 2020-21 in the country including Gujarat; as reported by Reserve Bank of India (RBI) and National Bank for Agriculture and Rural Development (NABARD) are provided in Annexure. Segregated details of number of loans above three lakh is not maintained centrally as apprised

Banks extend crop loans through KCC as per the guidelines issued in terms of RBIs Master Circular o KCC Scheme dated July 04, 2018. The scheme aims at providing adequate and timely credit support to farmers to meet the short term credit requirements for cultivation of crops and related activities Further; RBI vide its circular dated February 04, 2019 has extended KCC facility to Animal Husbandry farmers and Fisheries for their working requirements the limit for collateral-free agricultural loans has been raised from Rs. 1 lakh to Rs. 1.6 lakh vide RBI's circular dated February 7,2019. capital Also;

The credit limitl loan amount under KCCs is fixed by Banks as per guidelines prescribed in the Master Circular dated July 4, 2018 issued by RBI The short term credit limit under KCC for the first year is determined based on Scale of Finance for the crop (as decided by District Level Technical Committee) x Extent of area cultivated + 10% of limit towards post-harvest/household/ consumption requirements + 20% of limit towards and maintenance expenses of farm assets + crop insurance andlor accident insurance including personal accidental insurance scheme (PAIS), health insurance & asset insurance. The limit for second and subsequent years (3rd, 4th and Sth year) is arrived based on first year limit for crop cultivation purpose plus 10% of the limit towards cost escalation increase in scale of finance and estimated term loan component for the tenure of KCC, five years. repairs

The short term loan limit arrived for the Sth year plus the estimated term loan requirement will be the Maximum Permissible Limit (MPL) and is to be treated as the Kisan Credit Card limit: long

As part of the Atmanirbhar Bharat Package, the Government is carrying out a KCC saturation drive for farmers including PM Kisan beneficiaries, Fishermen and farmers in the country. As reported by Public Sector Banks (PSBs) and NABARD, as o 02.04.2022 over 11.66 lakh KCC have been issued under the ongoing KCC saturation drive in the State of Gujarat and 1896 applications are pending: As per Standard Operative Procedure for issue of KCC, application received by the banks from eligible beneficiaries are processed within a of two weeks from date of submission of application. Dairy complete period

## StatelUT wise total number of operative KCC accounts and amount outstanding (No: in absolute & Amount in Rs: crore)

|                              | 2019          | 2019            | 2020          | 2020             | 2021          | 2021             |
|------------------------------|---------------|-----------------|---------------|------------------|---------------|------------------|
| Name of State                | Operative KCC | Amt outstanding | Operative KCC | Amt outstanding_ | Operative KCC | Amt outstanding_ |
| Andhra Pradesh               | 4538771       | 45427.06        | 4522496       | 49539.49         | 4605047       | 52278.76         |
| A & N Islands                | 9046          | 63.27           | 5362          | 24.38            | 7868          |                  |
| Arunachal Pradesh            | 61044         | 321.47          | 11562         | 78.63            | 8601          | 61.99            |
| Assam                        | 923877        | 5534.67         | 740713        | 4292.52          | 736919        | 3755.06          |
| Bihar                        | 2749887       | 19352.84        | 2800942       | 20394.70         | 2771102       | 17384.68         |
| Chandigarh                   | 7561          | 395.41          | 3874          | 392.82           | 70857         | 297.26           |
| Chhattisgarh                 | 1391363       | 7974.60         | 1521906       | 6496.01          | 1766266       | 8553.75          |
| D & N Haveli and Daman & Diu | 838           | 16.53           | 918           | 16.94            | 1281          | 21.98            |
| Goa                          | 15336         | 321.72          | 6874          | 101.24           | 14015         | 113.95           |
| Gujarat                      | 2437207       | 45589.35        | 2466036       | 50680.57         | 2892516       | 52120.59         |
| Haryana                      | 2119394       | 44477.73        | 2143528       | 46109.71         | 2263947       | 45355.90         |
| Himachal Pradesh             | 319295        | 5352.70         | 376505        | 6462.32          | 392245        | 6626.16          |
| Jammu & Kashmir              | 408150        | 4907.88         | 468307        | 5299.87          | 1008862       | 6518.13          |
| Jharkhand                    | 984977        | 4713.53         | 1021120       | 5177.54          | 925401        | 4488.49          |
| Karnataka                    | 3989864       | 43959.22        | 4109867       | 47530.16         | 4823251       | 46089.63         |
| Kerala                       | 1294029       | 17670.90        | 1080459       | 19285.56         | 1862579       | 26745.06         |
| Ladakh#                      |               |                 |               |                  | 29900         | 281.01           |
| Lakshdweep                   | 43571         | 848.27          | 407           | 2.37             | 398           | 2.65             |
| Madhya Pradesh               | 6709897       | 64220.97        | 5897055       | 68852.18         | 6274836       | 68227.34         |
| Maharashtra                  | 5774819       | 55604.03        | 5769176       | 52386.77         | 6867895       | 55635.20         |
| Manipur                      | 22900         | 138.12          | 24514         | 140.46           | 18464         | 101.45           |
| Meghalaya                    | 88174         | 481.87          | 64184         | 317.65           | 61618         | 290.35           |
| Mizoram                      | 21310         | 141.52          | 17546         | 119.12           | 24442         | 191.31           |
| Nagaland                     | 115008        | 594.00          | 27762         | 140.89           | 27531         | 147.06           |
| New Delhi                    | 3952          | 102.57          | 3872          | 84.97            | 3974          | 95.35            |
| Odisha                       | 3855616       | 17623.18        | 4004517       | 19050.78         | 4337869       | 19320.09         |
| Puducherry                   | 34463         | 861.86          | 12122         | 187.86           | 17015         | 175.13           |
| Punjab                       | 2014204       | 58302.96        | 1969220       | 58746.75         | 2244289       | 54526.01         |
| Rajasthan                    | 5635246       | 79153.68        | 5726322       | 81230.85         | 6615298       | 84637.19         |
| Sikkim                       | 19819         | 147.59          | 5808          | 38.61            | 7043          | 33.97            |
| Tamilnadu                    | 2064587       | 24212.48        | 1947580       | 26377.94         | 2973041       | 19864.50         |
| Telangana_                   | 3920822       | 32309.26        | 4079305       | 37378.09         | 4259731       | 39821.38         |
| Tripura                      | 232906        | 807.50          | 250581        | 568.37           | 256385        | 518.39           |
| Uttar Pradesh                | 11131331      | 109295.15       |               |                  | 11280943      | 118065.60        |
| Uttarakhand                  | 543824        | 6702.00         | 516460        | 6177.95          | 606276        | 7110.67          |
| West Bengal                  | 2816511       | 11960.85        | 3034711       | 13480.07         | 3712246       | 13642.86         |
| Total                        | 66299599      | 709586.74       | 65280254      | 743573.42        | 73769951      | 753132.85        |

Source: RBI (in respect of Scheduled Commercial Banks) and NABARD (in respect of Regional Rural Banks and Cooperative Banks) # Figures for 2019 & 2020 included in Jammu & Kashmir