Lok Sabha Question No. 937 (UNSTARRED), answered on 2022-12-13
Subject: Loan limit to KCC Holders
Ministry: AGRICULTURE AND FARMERS WELFARE
Asked by: Krupal Balaji Tumane, Gomati Sai, Satyadev Pachauri, Bhavana Gawali (Patil)

## GOVERNMENT OF INDIA MINISTRY OF AGRICULTURE AND FARMERS WELFARE

## DEPARTMENT OF AGRICULTURE AND FARMERS WELFARE

## LOK SABHA UNSTARRED QUESTION NO. 937

TO BE ANSWERED ON 13 TH  December, 2022

## LOAN LIMIT TO KCC HOLDERS

937.    SHRI KRUPAL BALAJI TUMANE: SHRIMATI BHAVANA PUNDALIKRAO GAWALI: SHRIMATI GOMATI SAI: SHRI SATYADEV PACHAURI.:

Will the Minister of AGRICULTURE AND FARMERS WELFARE कृ षि एंव ककसान कल्याण मंत्री be pleased to state:

- (a) the details of loan sanctioned to the Kisan Credit Card (KCC) holders, State/UT-wise especially  in  Uttar  Pradesh,  Washim-Yavatmal  Parliamentary  Constituency  in  Maharashtra and district-wise details in Chhattisgarh;
- (b) whether the loan amount limit has been increased for the said cardholders keeping in view the increase in the expenditure of the farmers and if so, the details thereof;
- (c) whether  farmers  have  the  option  to  pay  only  interest  component  at  the  time  of payment of dues on KCC in banks and if not, whether the Government proposes to initiate any system in this regard and if so, the details thereof; and
- (d) whether the said system is likely to help the farmers to pay their KCC dues on time and save them from the clutches of money lenders and if so, the details thereof?

## ANSWER

MINISTER OF AGRICULTURE AND FARMERS WELFARE कृ षि एंव ककसान कल्याण मंत्री (SHRI NARENDRA SINGH TOMAR)

- (a):  The  district-wise  detail  of  loan  sanctioned  to  the  KCC  holders  is  not  maintained  and State/UT-wise detail is annexed.
- (b):  As  per  the  KCC  Master  Circular  of  RBI,  the  credit  limit  under  KCC  is  decided  as per following method:

The  amount  of  credit  limit  provided  is  as  per  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  repairs  and maintenance expenses of farm assets + crop insurance and/or accident insurance including Personal  Accidental Insurance Scheme  (PAIS),  health  insurance &  asset insurance. For  second  &  subsequent  years  the  calculation  is  as  follows:-  First  year  limit  for  crop cultivation  purpose  arrived  at  as  above  plus  10%  of  the  limit  towards  cost  escalation  / increase  in  scale  of  finance  for  every  successive  year  (2nd,  3rd,  4th  and  5th  year)  and estimated term loan component for the tenure of Kisan Credit Card, i.e., five years. Hence, the  maximum  limit  for  KCC  loan  is  not  fixed  and  this  takes  into  account  the  increase  in expenses.

(c) & (d): Farmer has to pay both principal and interest at the time of repayment. On timely repayment of loan amount farmers are given additional subvention of 3% per annum which reduces rate of interest to 4%. The government of India is also driving a KCC saturation drive to bring more farmers under the ambit of KCC. This enabled such farmers to gain access to institutional credit at concessional interest rate.

| Annexure   | Annexure          | Annexure                    | Annexure          | Annexure                    | Annexure             | Annexure                    | Annexure                   | Annexure                    | Annexure         |
|------------|-------------------|-----------------------------|-------------------|-----------------------------|----------------------|-----------------------------|----------------------------|-----------------------------|------------------|
| Sr.No.     | State / UT        | Cooperative                 | Cooperative       | Banks Regional Banks        | Banks Regional Banks | Scheduled Commercial Banks  | Scheduled Commercial Banks | Total                       | Total            |
| Sr.No.     | State / UT        | Total No. of Operativ eKCCs | Amt. outstandi ng | Total No. of Operativ eKCCs | Amt. outstandi ng    | Total No. of Operativ eKCCs | Amt. Outstand ing          | Total No. of Operative KCCs | Amt. outstanding |
| Sr.No.     | State / UT        | 1                           | 2                 | 3                           | 4                    | 5                           | 6                          | 7                           | 8                |
| 1          | Andhra Pradesh    | 1585640                     | 13308.74          | 947991                      | 11555.14             | 2084339                     | 33371.33                   | 4617970                     | 58235.21         |
| 2          | Andaman & Nicobar | 7229                        | 17.91             | 0                           | 0.00                 | 2289                        | 33.03                      | 9518                        | 50.94            |
| 3          | Arunachal Pradesh | 1054                        | 7.40              | 2920                        | 23.41                | 6205                        | 62.73                      | 10179                       | 93.54            |
| 4          | Assam             | 1299                        | 21.46             | 288168                      | 1432.53              | 366605                      | 2423.41                    | 656072                      | 3877.40          |
| 5          | Bihar             | 247403                      | 454.69            | 1575224                     | 11391.35             | 862468                      | 5932.80                    | 2685095                     | 17778.83         |
| 6          | Chhattisgarh      | 1496106                     | 5718.17           | 144370                      | 1256.00              | 261145                      | 4989.95                    | 1901621                     | 11964.12         |
| 7          | Goa               | 1515                        | 18.11             | 0                           | 0.00                 | 7365                        | 92.81                      | 8880                        | 110.92           |
| 8          | Gujarat           | 1001139                     | 16123.75          | 443165                      | 8114.64              | 1544870                     | 38080.47                   | 2989174                     | 62318.86         |
| 9          | Haryana           | 1157227                     | 12132.18          | 292913                      | 8263.09              | 813014                      | 28421.02                   | 2263154                     | 48816.30         |
| 10         | Himachal Pradesh  | 117149                      | 1829.22           | 72598                       | 971.37               | 246743                      | 4590.77                    | 436490                      | 7391.36          |
| 11         | Jammu and Kashmir | 7942                        | 62.47             | 125853                      | 1033.75              | 800061                      | 5390.31                    | 933856                      | 6486.53          |
| 12         | Jharkhand         | 15549                       | 46.70             | 379654                      | 2304.93              | 558508                      | 2645.91                    | 953711                      | 4997.54          |
| 13         | Karnataka         | 3180040                     | 21169.82          | 704925                      | 12667.42             | 952754                      | 19485.22                   | 4837719                     | 53322.47         |
| 14         | Kerala            | 690954                      | 5716.28           | 432917                      | 7021.72              | 1143401                     | 23540.86                   | 2267272                     | 36278.86         |
| 15         | Madhya Pradesh    | 3944546                     | 22590.36          | 441172                      | 7195.37              | 1907456                     | 44184.33                   | 6293174                     | 73970.06         |
| 16         | Maharashtra       | 3668957                     | 27533.05          | 726615                      | 6717.85              | 2876872                     | 36708.09                   | 7272444                     | 70958.99         |
| 17         | Manipur           | 2704                        | 14.01             | 10135                       | 40.71                | 6119                        | 70.85                      | 18958                       | 125.58           |
| 18         | Meghalaya         | 16212                       | 32.02             | 32760                       | 177.10               | 19026                       | 114.02                     | 67998                       | 323.15           |
| 19         | Mizoram           | 638                         | 7.01              | 20820                       | 252.89               | 10348                       | 52.20                      | 31806                       | 312.11           |
| 20         | Nagaland          | 4146                        | 22.31             | 686                         | 1.66                 | 21602                       | 134.49                     | 26434                       | 158.46           |
| 21         | New Delhi         | 61                          | 0.90              | 0                           | 0.00                 | 2833                        | 48.83                      | 2894                        | 49.73            |
| 22         | Odisha            | 2924724                     | 13147.59          | 432333                      | 2538.91              | 617806                      | 5170.77                    | 3974863                     | 20857.27         |
| 23         | Puducherry        | 0                           | 0.00              | 1128                        | 13.37                | 10650                       | 242.01                     | 11778                       | 255.38           |
| 24         | Punjab            | 954048                      | 7422.21           | 154411                      | 5413.72              | 1067558                     | 42908.82                   | 2176017                     | 55744.75         |
| 25         | Rajasthan         | 3087656                     | 12492.67          | 809959                      | 19572.35             | 2451769                     | 61396.43                   | 6349384                     | 35566.53         |
| 26         | Sikkim            | 1014                        | 5.03              | 0                           | 0.00                 | 6558                        | 46.54                      | 7572                        | 93461.46 51.57   |
| 27         | Tamil Nadu        | 1806697                     | 10884.78          | 53548                       | 850.05               | 1380482                     | 23831.70                   | 3240727                     |                  |
| 28         | Telangana         | 925798                      | 5251.85           | 1489967                     | 9857.84              | 1896712                     | 23488.44                   | 4312477                     | 38598.13         |
| 29         | Tripura           | 88114                       | 73.27             | 109145                      | 168.53               | 49235                       | 271.71                     | 246494                      | 513.51           |
| 30         | Uttar             | 2695798                     | 7582.51           | 3627125                     | 45721.48             | 3667103                     | 62262.63                   | 9990026                     | 115566.62        |
| 31         | Pradesh           | 309503                      | 1656.70           | 27580                       |                      |                             |                            | 1121450                     | 14629.63         |
|            | Uttarakhand       |                             |                   | 395218                      | 190.11               | 784367                      | 12782.82                   | 3052718                     | 13754.40         |
| 32         | West Bengal       | 1656679                     | 4730.65           |                             | 1955.17              | 1000821                     | 7068.58                    |                             |                  |
| 33         | Chandigarh        | 0 31597541                  | 0.00 190073.85    | 0 13743300                  | 0.00 166702.46       | 1514 27428598               | 112.46 489956.34           | 1514 72769439               | 112.46 846732.66 |

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