Lok Sabha Question No. 2507 (UNSTARRED), answered on 2021-08-03
Subject: Kisan Credit Card
Ministry: AGRICULTURE AND FARMERS WELFARE
Asked by: Anil Firojiya

## GOVERNMENT OF INDIA MINISTRY OF AGRICULTURE AND FARMERS' WELFARE DEPARTMENT OF AGRICULTURE AND FARMERS WELFARE

## LOK SABHA UN-STARRED QUESTION No.2507

## TO BE ANSWERED ON 03 RD  AUGUST, 2021

## KISAN CREDIT CARD

2507. SHRI ANIL FIROJIYA:

Will  the  Minister  of  AGRICULTURE  AND  FARMERS WELFARE कृ ष एवं कसान क  याण मंी be pleased to state: (a)  whether  farmers  across  the  country  are  able  to  carry  out  agricultural  activities smoothly by obtaining institutional credit under Kisan Credit Card Scheme; (b) if so, the details thereof and if not, the reasons therefor; (c) whether farmers are forced to unnecessarily visit bank branches in order to get Kisan Credit Card; (d) if so, the details thereof and the action taken in this regard; (e) whether all the files related to Kisan Credit Card in banks are disposed quickly so as to provide easy loan to the farmers; (f) if so, the time by which the files are generally processed and the reasons for delays, if any; and

(g) the action taken to remove such impediments?

## ANSWER

## MINISTER OF AGRICULTURE AND FARMERS WELFARE कृ ष एवं कसान क  याण मंी (SHRI NARENDRA SINGH TOMAR)

(a)& (b) : The Government of India is actively involved in the promotion of Kisan Credit Card (KCC) scheme with a view to provide easy access to concessional institutional credit to farmers and several steps have been taken to simplify the procedure to have access to KCC.  The  KCC  scheme  has  been  extended  to  farmers  practicing  Animal  Husbandry, dairying  and  fisheries  from  February,  2019.  To  bring  the  maximum  number  of  farmers under  Kisan  Credit  Card  (KCC),  the  Government  has  been  running  a  campaign  for saturation of  KCC to farmers since, February, 2019. The Govt has further taken up the task of covering PM KISAN beneficiaries under KCC in a mission mode. Since February, 2020,  a  renewed  saturation  drive  is  being  run  to  cover  all  left  over  PM  KISAN beneficiaries. As a result, 228.28 lakh new KCCs have been issued to the farmers with sanctioned credit limit of Rs.2,32,812crore.

(c) & (d): No Sir, To make the credit system easy for the farmers, Union Government has issued directions to waive off processing fee, inspection, ledger folio charges and all other service charges for all short term agri loans upto Rs.3.00 lakh. State Governments have been advised to hold bank-wise and village wise camps to collect KCC application forms from eligible farmers and the applications collected therein to be submitted to the Bank's branch  and  KCC  are  to  be  issued  within  14  days  from  the  receipt  of  completed application. The progress is monitored by State Level Bankers Committee (SLBC).Standardised application form for KCC has been designed for easy understanding of farmers and a time limit of 14 days (from receipt of farmer's application) has been fixed to provide KCC to all eligible farmers.

(e) to (g):Steps taken by the Government to make the credit system  through KCC easy for the farmers are as under:

-  All the  charges  including  processing fee, inspection, ledger folio  charges, service charges for loans upto Rs.3.00 lakh were waived off.
-  Collateral free loan  limit for short term  agri-credit has  been  raised from  Rs.1.00 lakh to Rs.1.60 lakh.
-  State Governments have been advised to hold bank-wise and village wise camps to collect  KCC  application  forms  from  eligible  farmers  and  the  applications collected therein to be submitted to the Bank's branch.
-  KCC is to be issued within 14 days from the receipt of completed application.
-  The progress is to be monitored by State Level Bankers Committee (SLBC).
-  The  KCC  has  been  extended  to  the  farmers  doing  allied  activities  including Animal Husbandry, dairying and fisheries.
-  The progress of KCC Saturation Drive is monitored and reviewed through video conferencing with all the stakeholders viz- Department of Financial Services, RBI, State Governments, NABARD, SLBCs.

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