Lok Sabha Question No. 9 (UNSTARRED), answered on 2024-07-22
Subject: Loan amount under Kisan Credit Cards
Ministry: FINANCE
Asked by: Shri Vishaldada Prakashbapu Patil, Shri Benny Behanan

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

## LOK SABHA

Unstarred Question No. 9 Answered on Monday, July 22, 2024/31 Ashadha, 1946 (Saka)

## Loan Amount Under Kisan Credit Cards

## 9. SHRI VISHALDADA PRAKASHBAPU PATIL :

SHRI BENNY BEHANAN :

Will the Minister of FINANCE be pleased to state:

- (a) the total number of eligible beneficiaries for issuance of Kisan Credit Cards;
- (b) the total number of Kisan Credit Cards issued till now, year-wise and State-wise;
- (c) the amount of budgetary allocation and expenditure in the last 5 years under the scheme, year-wise;
- (d) the total outstanding loan amount under the KCC scheme in the last 5 years, year-wise; and
- (e) whether the Government is planning to reduce the rising total outstanding amount under the KCC scheme and if so, the details thereof?

## Answer

THE MINISTER OF STATE IN THE MINISTRY OF FINANCE

(SHRI PANKAJ CHAUDHARY)

- (a) to (e) As per available data the year-wise and State-wise details of  total number of Kisan Credit Cards (KCCs) issued for the past 5 years is provided at Annexure-I.

The detail of Budget allocation and disbursement of funds under Modified Interest Subvention Scheme (MISS) during the last five years is given below:

(Rs. in crore)

|   S.No | Year    |   Budget allocation |   Disbursement of funds |
|--------|---------|---------------------|-------------------------|
|      1 | 2019-20 |             16236.9 |                 16218.8 |
|      2 | 2020-21 |             19831.8 |                 17789.7 |
|      3 | 2021-22 |             21476.9 |                 21476.9 |
|      4 | 2022-23 |             19700   |                 17997.9 |
|      5 | 2023-24 |             18500   |                 14251.9 |

The total outstanding loan amount under the KCC scheme in the last 5 years is :

| Year    | Total Amount Outstanding in Operative Accounts in Crores   |
|---------|------------------------------------------------------------|
| 2019-20 | 6,97,018                                                   |
| 2020-21 | 7,53,133                                                   |
| 2021-22 | 9,37,612                                                   |
| 2022-23 | 8,85,921                                                   |
| 2023-24 | 9,81,764                                                   |

As per the extant RBI guidelines, farmers have to pay both interest and principal at the time of renewal of KCC. To promote timely repayment of outstanding amount in operative accounts of KCC, the farmers are provided 3% prompt repayment incentives.

******

Annexure-I Statement referred to in part (a) to (e) of Lok Sabha Un-Starred Question No. 9 on 'Loan Amount Under Kisan Credit Cards' due for answer on 22.07.2024

| S. No.   | State               | FY 2019-20   | FY 2020-21   | FY 2021-22   | FY 2022-23   | FY 2023-24*   |
|----------|---------------------|--------------|--------------|--------------|--------------|---------------|
| 1        | Andaman &Nicobar    | 269          | 1,190        | 1,099        | 508          | 12,767        |
| 2        | Andhra Pradesh      | 9,88,893     | 5,87,158     | 6,53,555     | 6,79,777     | 7,16,670      |
| 3        | Arunachal Pradesh   | 2,199        | 701          | 2,302        | 2,098        | 5,075         |
| 4        | Assam               | 2,78,619     | 41,108       | 65,353       | 64,813       | 1,45,563      |
| 5        | Bihar               | 2,30,398     | 91,905       | 1,24,124     | 1,03,408     | 1,61,942      |
| 6        | Chandigarh          | 765          | 334          | 294          | 287          | 462           |
| 7        | Chattisgarh         | 3,11,321     | 1,44,578     | 1,11,444     | 3,06,195     | 1,64,183      |
| 8        | Dadra &Nagar Haveli | 79           | 377          | 878          | 393          | 218           |
| 9        | Daman &Diu          | 22           |              |              |              |               |
| 10       | Delhi               | 1,498        | 368          | 538          | 651          | 1,833         |
| 11       | Goa                 | 2,784        | 2,019        | 1,356        | 3,378        | 2,095         |
| 12       | Gujarat             | 3,38,716     | 3,55,699     | 3,02,541     | 3,76,241     | 3,49,448      |
| 13       | Haryana             | 2,30,386     | 1,56,148     | 2,05,971     | 2,22,170     | 2,16,842      |
| 14       | Himachal Pradesh    | 69,856       | 53,468       | 58,975       | 74,149       | 1,28,253      |
| 15       | Jammu &Kashmir      | 3,67,826     | 49,151       | 73,246       | 44,231       | 2,21,151      |
| 16       | Jharkhand           | 2,03,222     | 62,664       | 1,26,469     | 1,90,419     | 66,542        |
| 17       | Karnataka           | 8,08,694     | 9,17,530     | 6,76,701     | 10,23,601    | 10,63,492     |
| 18       | Kerala              | 3,57,131     | 5,99,728     | 6,28,630     | 9,19,680     | 12,04,136     |
| 19       | Ladakh              | -            | 102          | 17,379       | 1,005        | 615           |
| 20       | Lakshadweep         | 58           | 159          | 622          | 3,834        | 6,477         |
| 21       | Madhya Pradesh      | 5,57,059     | 3,57,290     | 3,74,448     | 5,76,515     | 4,12,725      |
| 22       | Maharashtra         | 6,95,628     | 10,62,692    | 7,29,727     | 7,13,375     | 5,44,280      |
| 23       | Manipur             | 2,964        | 3,730        | 3,273        | 4,013        | 1,786         |
| 24       | Meghalaya           | 12,244       | 6,965        | 12,916       | 13,006       | 17,485        |
| 25       | Mizoram             | 4,719        | 8,295        | 7,404        | 8,231        | 15,569        |
| 26       | Nagaland            | 8,312        | 1,895        | 5,218        | 10,040       | 8,495         |
| 27       | Orissa              | 3,14,733     | 1,63,963     | 1,36,817     | 1,79,862     | 1,91,597      |
| 28       | Puducherry          | 1,699        | 3,908        | 5,245        | 7,749        | 16,180        |
| 29       | Punjab              | 2,82,311     | 1,54,222     | 2,28,445     | 3,07,134     | 2,59,427      |
| 30       | Rajasthan           | 10,30,272    | 10,13,048    | 5,43,638     | 6,61,477     | 6,42,111      |
| 31       | Sikkim              | 1,743        | 782          | 1,709        | 2,825        | 41,494        |
| 32       | Tamil Nadu          | 3,81,302     | 4,24,247     | 7,20,158     | 9,68,967     | 11,67,822     |
| 33       | Telangana           | 6,61,450     | 3,78,865     | 4,60,656     | 5,41,431     | 7,22,352      |
| 34       | Tripura             | 95,687       | 44,245       | 4,204        | 15,967       | 4,55,459      |
| 35       | Uttarakhand         | 1,00,556     | 58,224       | 43,379       | 1,04,218     | 76,350        |
| 36       | Uttar Pradesh       | 20,25,254    | 11,07,867    | 9,84,679     | 13,92,338    | 15,06,254     |
|          | Total               | 1,08,91,546  | 82,26,160    | 74,78,126    | 97,23,567    | 1,07,07,268   |