Lok Sabha Question No. 76 (UNSTARRED), answered on 2021-02-02
Subject: Loans Disbursed under KCC
Ministry: AGRICULTURE AND FARMERS WELFARE
Asked by: Ravneet Singh, Pratima Bhoumik

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

## LOK SABHA UNSTARRED QUESTION NO.76

TO BE ANSWERED ON THE 2 ND  FEBRUARY, 2021

## LOANS DISBURSED UNDER KCC

76. SHRI RAVNEET SINGH BITTU: MS. PRATIMA BHOUMIK:

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

- (a) whether the Government has issued Kisan Credit Cards in the last two years and if so, the details thereof, State-wise;
- (b) the  details  of  the  total  loans  distributed  under  Kisan  Credit  Card  during  the  last  two years in the country including Punjab, State/UT-wise and year-wise;
- (c) whether the Government proposes to increase the maximum limit of loan under KCC Scheme in view of increasing inflationary pressures on farmers, if so, the details thereof and if not, the reasons therefor;
- (d) the total number of farmers covered under the KCC scheme in Punjab till date along with the details of the pending applications as on date for availing the scheme; and
- (e) whether the Government has cleared any projects sanctioned under Agri Infrastructure Fund, if so, the details thereof along with the amount sanctioned till now, State-wise?

## ANSWER

MINISTER OF AGRICULTURE AND FARMERS WELFARE

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

- (a): In  the  last  two  years  (2018-19  and  2019-20)  -22,442,515  Kisan  Credit  Cards  have been issued.  The State-wise detail is provided in Annexure-I .
- (b): State-wise  Short-term  loan  including  loans  through  Kisan  Credit  Card  in  the  country during the last two years (2018-19 and 2019-20) including Punjab is at Annexure-II .

(c): As per  the  KC  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 postharvest/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.

(d): Total  number  of  live  &  operative  cards  (till  date)  in  Punjab  are  11,09,686.  The  total number of pending applications for KCC as on 08.01.2021 is 4,222.

(e): Yes.  The  details  of  state-wise  number  of  projects  sanctioned  and  loan  amount sanctioned by  NABARD  and Commercial  banks respectively, are given at Annexure-III .

## Annexure I

| State-wise KCC issued in the years 2018-19 & 2019-20   | State-wise KCC issued in the years 2018-19 & 2019-20   | State-wise KCC issued in the years 2018-19 & 2019-20   |
|--------------------------------------------------------|--------------------------------------------------------|--------------------------------------------------------|
| States/Uts                                             | Card issued in 2018-19                                 | Card issued in 2019-20                                 |
| Andaman and Nicobar Islands                            | 578                                                    | 448                                                    |
| Andhra Pradesh                                         | 962120                                                 | 878176                                                 |
| Arunachal Pradesh                                      | 6476                                                   | 62760                                                  |
| Assam                                                  | 161095                                                 | 267433                                                 |
| Bihar                                                  | 288451                                                 | 204391                                                 |
| Chandigarh                                             | 503                                                    | 315357                                                 |
| Chhattisgarh                                           | 62991                                                  | 330169                                                 |
| Dadra and Nagar Haveli                                 | 50                                                     | 57813                                                  |
| Daman and Diu                                          | 18                                                     | 54721                                                  |
| Goa                                                    | 3226                                                   | 1949                                                   |
| Gujarat                                                | 83298                                                  | 166948                                                 |
| Haryana                                                | 287285                                                 | 284841                                                 |
| Himachal Pradesh                                       | 217946                                                 | 179343                                                 |
| Jammu & Kashmir                                        | 55384                                                  | 56171                                                  |
| Jharkhand                                              | 130014                                                 | 82763                                                  |
| Karnataka                                              | 572672                                                 | 677436                                                 |
| Kerala                                                 | 349352                                                 | 441782                                                 |
| Lakshdweep                                             | 123515                                                 | 90073                                                  |
| Madhya Pradesh                                         | 49193                                                  | 183261                                                 |
| Maharashtra                                            | 635469                                                 | 709938                                                 |
| Manipur                                                | 662203                                                 | 392116                                                 |
| Meghalaya                                              | 5744                                                   | 70331                                                  |
| Mizoram                                                | 13123                                                  | 125354                                                 |
| Nagaland                                               | 2124                                                   | 18287                                                  |
| New Delhi                                              | 15391                                                  | 19321                                                  |
| Odisha                                                 | 329739                                                 | 516312                                                 |
| Puducherry                                             | 4120                                                   | 100324                                                 |
| Punjab                                                 | 329208                                                 | 1929411                                                |
| Rajasthan                                              | 627370                                                 | 910019                                                 |
| Sikkim                                                 | 2271                                                   | 1108                                                   |
| Tamil Nadu                                             | 500219                                                 | 319307                                                 |
| Telangana                                              | 635628                                                 | 547025                                                 |
| Tripura                                                | 101777                                                 | 78682                                                  |
| Uttar Pradesh                                          | 657552                                                 | 512815                                                 |
| Uttarakhand                                            | 1652775                                                | 1348316                                                |
| West Bengal                                            | 550297                                                 | 428837                                                 |
| Total                                                  | 10078897                                               | 12363138                                               |

## Annexure-II

## Short Term Agri Loan including through Kisan Credit Card (KCC) disbursement during 2018-19 and 2019-20

| Sr.No.   | States and Region    | Short Term Agri Loan 2018-19 Amount (Rs. in Lakh)   |   Short Term Agri Loan 2019-20 Amount (Rs. in Lakh) |
|----------|----------------------|-----------------------------------------------------|-----------------------------------------------------|
| 1        | DELHI                | 188,082                                             |                                     75458.7         |
| 2        | HARYANA              | 4,116,242                                           |                                         4.32501e+06 |
| 3        | HIMACHAL PRADESH     | 489,996                                             |                                    566620           |
| 4        | JAMMU and KASHMIR    | 1,053,258                                           |                                         1.09293e+06 |
| 5        | PUNJAB               | 5,402,287                                           |                                         5.74444e+06 |
| 6        | RAJASTHAN            | 6,157,042                                           |                                         6.71041e+06 |
| 7        | CHANDIGARH UT        | 40,844                                              |                                     18455.2         |
|          | Northern Region      | 17,447,751                                          |                                         1.85333e+07 |
| 8        | ARUNACHAL PRADESH    | 2,450                                               |                                      2733.72        |
| 9        | ASSAM                | 105,700                                             |                                    153553           |
| 10       | MANIPUR              | 3,803                                               |                                      3306.17        |
| 11       | MEGHALAYA            | 13,715                                              |                                     14852.2         |
| 12       | MIZORAM              | 1,717                                               |                                      1276.75        |
| 13       | NAGALAND             | 8,327                                               |                                     10475.3         |
| 14       | SIKKIM               | 5,910                                               |                                      7063.13        |
| 15       | TRIPURA              | 41,274                                              |                                     20251.6         |
|          | North Eastern Region | 182,895                                             |                                    213512           |
| 16       | A and N ISLAND       | 3,119                                               |                                      2623.59        |
| 17       | BIHAR                | 1,788,625                                           |                                         1.71634e+06 |
| 18       | JHARKHAND            | 175,729                                             |                                    176811           |
| 19       | ODISHA               | 1,733,809                                           |                                         1.79813e+06 |
| 20       | WEST BENGAL          | 1,221,784                                           |                                         1.36204e+06 |
|          | Eastern Region       | 4,923,065                                           |                                         5.05595e+06 |
| 21       | CHHATTISGARH         | 642,086                                             |                                    983197           |
| 22       | MADHYA PRADESH       | 4,414,701                                           |                                         4.18708e+06 |
| 23       | UTTARAKHAND          | 530,000                                             |                                    459799           |
| 24       | UTTAR PRADESH        | 6,045,197                                           |                                         7.43672e+06 |
|          | Central Region       | 11,631,984                                          |                                         1.30668e+07 |
| 25       | GOA                  | 34,033                                              |                                     29004.3         |
| 26       | GUJARAT              | 3,985,046                                           |                                         4.39648e+06 |
| 27       | MAHARASHTRA          | 3,366,558                                           |                                         3.15471e+06 |
| 28       | D and N HAVELI UT    | 1,104                                               |                                      1146.43        |
| 29       | DAMAN and DIU UT     | 986                                                 |                                      1154.32        |
|          | Western Region       | 7,387,727                                           |                                         7.58249e+06 |
| 30       | ANDHRA PRADESH       | 8,291,211                                           |                                         9.33803e+06 |
| 31       | TELANGANA            | 2,737,804                                           |                                         3.29303e+06 |
| 32       | KARNATAKA            | 3,797,494                                           |                                         4.44767e+06 |
| 33       | KERALA               | 6,002,335                                           |                                         6.22245e+06 |
| 34       | PUDUCHERRY           | 218,909                                             |                                    240181           |
| 35       | TAMILNADU            | 12,599,610                                          |                                         1.45213e+07 |
| 36       | LAKSHADWEEP UT       | 140                                                 |                                       154.92        |
|          | Southern Region      | 33,647,501                                          |                                         3.80628e+07 |
|          | Grand Total:         | 75,220,924                                          |                                         8.25149e+07 |

## Loan amount sanctioned to Primary Agricultural Credit Societies (PACS) by NABARD

| S.No.             | States            | Number of Projects   | Loan amount 'in principal' sanctioned by NABARD (Rs. in crore)   |
|-------------------|-------------------|----------------------|------------------------------------------------------------------|
| 1                 | ANDAMAN & NICOBAR | 3                    | 0.34                                                             |
| 2                 | ANDHRA PRADESH    | 3297                 | 1426                                                             |
| 3 ASSAM           | 7                 |                      | 2.67                                                             |
| 4 BIHAR           |                   | 31                   | 70.87                                                            |
| 5                 | CHHATTISGARH      | 123                  | 19.68                                                            |
| 6 DELHI           | -                 |                      | -                                                                |
| 7 GOA             | -                 |                      | -                                                                |
| 8 GUJARAT         | 151               |                      | 55.66                                                            |
| 9 HARYANA         | 95                |                      | 26.34                                                            |
| 10 HIMACHAL       | PRADESH 20        |                      | 6.08                                                             |
| 11 JHARKHAND      |                   | -                    | -                                                                |
| 12 KARNATAKA      |                   | 163                  | 66.6                                                             |
| 13 KERALA         | 70                |                      | 143.45                                                           |
| 14 MADHYA PRADESH | 351               |                      | 124.74                                                           |
| 15 MAHARASHTRA    | 309               |                      | 71.63                                                            |
| 16 MANIPUR        | -                 |                      | -                                                                |
| 17 MEGHALAYA      |                   | -                    | -                                                                |
| 18 NAGALAND       |                   | 10                   | 1.4                                                              |
| 19 ODISHA         | 103               |                      | 25.46                                                            |
| 20 PUNJAB         | 60                |                      | 7.19                                                             |
| 21 RAJASTHAN      |                   | 258                  | 48.58                                                            |
| 22 TAMIL NADU     |                   | 201                  | 310                                                              |
| 23                | TELANGANA         | 207                  | 178.3                                                            |
| 24                | TRIPURA           | -                    | -                                                                |
| 25 UTTRAKHAND     |                   | 102                  | 16.55                                                            |
| 26                | UTTAR PRADESH     | 244                  | 41.49                                                            |
| 27                | WEST BENGAL       | 200                  | 40.86                                                            |
|                   | Grand Total       | 6005                 | 2683.89                                                          |

Loan amount sanctioned to other entities by Commercial Banks

| S.No.               | States      | No. of Projects Loan amount sanctioned by Commercial banks (Rs in crore)   |
|---------------------|-------------|----------------------------------------------------------------------------|
| 1 MADHYA            | PRADESH 154 | 151                                                                        |
| 2 RAJASTHAN         | 68          | 79                                                                         |
| 3 MAHARASHTRA       | 11          | 11                                                                         |
| 4 GUJARAT           | 10          | 20                                                                         |
| 5 UTTAR PRADESH     | 4           | 2                                                                          |
| 6 HARYANA           | 6           | 7                                                                          |
| 7 ODISHA            | 13          | 8                                                                          |
| 8 BIHAR             | 0           | 0                                                                          |
| 9 KERALA            | 0           | 0                                                                          |
| 10 ANDHRA PRADESH   | 1           | 0                                                                          |
| 11 KARNATAKA        | 2           | 3                                                                          |
| 12 TAMIL NADU       | 2           | 1                                                                          |
| 13 CHHATTISGARH     | 1           | 2                                                                          |
| PUNJAB              | 0           | 14 0                                                                       |
| 15 WEST BENGAL      | 0           | 0                                                                          |
| 16 JHARKHAND        | 0           | 0                                                                          |
| 17 HIMACHAL PRADESH | 1           | 1                                                                          |
| 18 TELANGANA        | 0           | 0                                                                          |
| 19 DELHI            | 1           | 2                                                                          |
| 20 TRIPURA          | 0           | 0                                                                          |
| 21 GOA              | 0           | 0                                                                          |
| 22 ASSAM            | 0           | 0                                                                          |
| 23 MEGHALAYA        | 0           | 0                                                                          |
| 24 MANIPUR          | 0           | 0                                                                          |
| 25 NAGALAND         | 0           | 0                                                                          |
| Grand               | Total       | 274 287                                                                    |

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