Lok Sabha Question No. 2301 (UNSTARRED), answered on 2025-08-04
Subject: KCC Acounts Opened in Maharashtra
Ministry: FINANCE
Asked by: Shri Mohite Patil Dhairyasheel Rajsinh, Dr. Amol Ramsing Kolhe, Smt. Supriya Sule, Shri Sanjay Dina Patil, Prof. Varsha Eknath Gaikwad, Dr. Kirsan Namdeo

## GOVERNMENT OF INDIA MINISTRY OF FINANCE DEPARTMENT OF FINANCIAL SERVICES

## LOK SABHA

## UNSTARRED QUESTION NO. 2301

ANSWERED ON MONDAY, 04 AUGUST 2025/ SRAVANA 13, 1947 (SAKA)

## KCC ACOUNTS OPENED IN MAHARASHTRA

## 2301. SMT. SUPRIYA SULE:

SHRI SANJAY DINA PATIL:

DR. AMOL RAMSING KOLHE:

SHRI MOHITE PATIL DHAIRYASHEEL RAJSINH:

DR. KIRSAN NAMDEO:

PROF. VARSHA EKNATH GAIKWAD :

Will the Minister of FINANCE be pleased to state:

- (a) the features of Kisan Credit Card Scheme and the district-wise number of Kisan Credit Card (KCC) accounts opened in Maharashtra, disaggregated by farm-size categories  along  with  the  funds  allocated,  sanctioned  and  utilised  under  this scheme in Maharashtra during the last three years;
- (b) whether  any  special  outreach  drives  for  women  farmers,  tribal  communities  has been  undertaken  in  Maharashtra  to  boost  KCC  enrolment  and  the  achievement made so far;
- (c) whether  the  Government  has  any  data  on  interest  subvention  schemes  including any  State-level  top-ups  or  additional  incentives  availed  by  KCC  holders  in Maharashtra and if so, the details thereof;
- (d) whether  the  Government  monitors  NPA  ratio  under  KCC  portfolios  of  different bank  groups  operating  in  Maharashtra  alongside  national  average  and  if  so,  the details thereof;
- (e) whether  the  Government  has  undertaken  initiatives  in  Maharashtra  to  enhance financial literacy among prospective and existing KCC holders;
- (f) if so, the details of workshops, training sessions or digital/field-based programmes on  prudent  credit  use,  budgeting  and  repayment  in  Maharashtra  along  with  the study conducted to assess the impact of KCC on farm productivity, income levels; and
- (g) whether  the  Government  proposes  to  provide  KCC  to  poor  fishermen  who  are unable to provide any collateral and if so, the details thereof?

## Answer

## THE MINISTER OF STATE IN THE MINISTRY OF FINANCE (SHRI PANKAJ CHAUDHARY)

- (a)  The  Kisan  Credit  Card  (KCC)  scheme  provides  timely  and  affordable  credit  to farmers for agricultural and allied activities. It offers crop loans for cultivation and postharvest expenses, working capital for Animal Husbandry & Fisheries and term loan for agriculture and allied activities.

The data on district-wise farm size-wise KCC accounts opened in Maharashtra is not available.  As  KCC  is  a  demand  driven  scheme,  credit  facilities  are  granted  to  the farmers as per their needs and scale of finance for agriculture and allied activities. As reported  by  State  Level  Bankers'  Committee  (SLBC),  Maharashtra,  the  details  of district wise number of KCC accounts and amount disbursed during last three years, is enclosed at Annexure-I.

(b) With an aim to provide the benefits of KCC loans to maximum number of farmers, a special KCC saturation drive was launched since February 2020 under Atma Nirbhar Bharat Abhiyan to cover 2.5 crore farmers under KCC with a credit boost of Rs. 2 lakh crore. As on 25 July 2025, 81 lakh KCC Accounts were opened/renewed in the state of Maharashtra under KCC Saturation Drive. Further, to expand the benefits of the Kisan Credit  Card  (KCC)  to  all  eligible  farmers  engaged  in  Animal  Husbandry,  Dairy,  and Fisheries  (AHDF)  activities  the  Government  organised  a  nationwide  district  level weekly camps from 15.11.2021 to 31.03.2025 as a result of which 75,135 AHDF KCC accounts  were  opened  in  Maharashtra.  Besides  this,  Viksit  Bharat  Sankalp  Yatra (VBSY)  &  Particularly  Vulnerable  Tribal  Group  (PVTG)  camps  were  organised  to boost the KCC enrolment.

(c) Under the Modified Interest Subvention Scheme (MISS), the Government of India provides an Interest Subvention (IS) of 1.5% to banks for extending short-term working capital loans up to ₹3 lakh (upto Rs 2 lakh in case of allied activities) through the Kisan Credit  Card  (KCC)  at  a  concessional  rate  of  7%  per  annum.  Additionally,  a  Prompt Repayment  Incentive  (PRI)  of  3%  is  offered  to  farmers  on  timely  repayment, effectively reducing the interest rate to 4% for farmers. Apart from this, the additional interest  subvention/PRI  is  also  provided  by  Government  of  Maharashtra.  Under Modified Interest Subvention Scheme (MISS) provided by the Union Government an amount of Rs 17,811.72  crore  was  disbursed  during  FY  2024-25  across  the  country, including  the  state  of  Maharashtra,  registering  a  growth  of  24.98%  over  previous financial year. The  details of additional interest subvention provided by State Government of Maharashtra is given at Annexure-II

(d)  Data  on  NPA  in  KCC  accounts  in  the  country  and  the  state  of  Maharashtra  is provided at Annexure-III .

(e)  and  (f)  RBI,  NABARD and Banks conduct various financial literacy programs to enhance financial literacy among farmers such as:

- Financial  and  Digital  Literacy  Camps  (FDLCs)  have  been  organized  by  banks, targeting diverse groups including farmers. The district-wise break up of camps in Maharashtra is given at Annexure-IV .
- Centres  for  Financial  Literacy  (CFLs)  project  of  RBI  conduct  financial  literacy programmes  on  a  regular  basis.  The  District-wise  count  of  CFLs  sanctioned  in Maharashtra is given at Annexure-V .
- RBI has been conducting Financial Literacy Week (FLW) every year since 2016 to propagate financial education messages on various themes of Financial Literacy.

(g)  The  Reserve  Bank  of  India  has  increased  the  limit  for  collateral-free  agricultural loans, including loans for allied activities from ₹1.6 lakh per borrower to ₹2 lakh w.e.f 01  January  2025.  This  move  enhances  credit  accessibility,  particularly  for  small  and marginal farmers including fishermen.

****

Statement referred to in part (a) of Lok Sabha Un-Starred Question no. 2301 on 'KCC Acounts Opened in Maharashtra' due for answer on 04.08.2025

District-wise  number  of  Kisan  Credit  Card  (KCC)  accounts  opened  and  amount disbursed in Maharashtra during last three years:

|     |                  |                     |          | (Number in Actual & Amount in Lakh)   | (Number in Actual & Amount in Lakh)   | (Number in Actual & Amount in Lakh)   | (Number in Actual & Amount in Lakh)   |
|-----|------------------|---------------------|----------|---------------------------------------|---------------------------------------|---------------------------------------|---------------------------------------|
| Sr. |                  | 2022-23             | 2022-23  | 2023-24                               | 2023-24                               | 2024-25                               | 2024-25                               |
| No. | Name of District | Number of KCC A/c's | Amount   | Number of KCC A/c's                   | Amount                                | Number of KCC A/c's                   | Amount                                |
| 1   | AHMEDNAGAR       | 5,80,753            | 6,31,265 | 4,89,709                              | 5,57,931                              | 5,14,735                              | 5,84,844                              |
| 2   | AKOLA            | 1,26,240            | 1,33,281 | 1,16,638                              | 1,27,334                              | 1,07,733                              | 1,30,162                              |
| 3   | AMRAVATI         | 1,65,157            | 1,86,192 | 1,57,448                              | 1,92,193                              | 1,47,338                              | 2,08,198                              |
| 4   | AURANGABAD       | 2,81,652            | 2,12,665 | 2,68,173                              | 2,09,425                              | 2,35,707                              | 2,15,331                              |
| 5   | BEED             | 2,53,625            | 2,10,822 | 2,27,602                              | 1,95,680                              | 1,89,337                              | 1,83,450                              |
| 6   | BHANDARA         | 1,01,840            | 67,854   | 1,01,696                              | 64,832                                | 1,00,547                              | 70,386                                |
| 7   | BULDHANA         | 1,96,897            | 2,00,733 | 1,58,569                              | 1,69,010                              | 1,16,254                              | 1,43,945                              |
| 8   | CHANDRAPUR       | 1,13,033            | 98,431   | 1,09,699                              | 99,628                                | 1,04,175                              | 1,07,276                              |
| 9   | DHULE            | 76,845              | 1,07,445 | 80,552                                | 1,08,268                              | 79,944                                | 1,20,820                              |
| 10  | GADCHIROLI       | 43,427              | 23,552   | 39,855                                | 23,716                                | 38,863                                | 26,732                                |
| 11  | GONDIA           | 72,761              | 42,686   | 63,719                                | 41,599                                | 60,989                                | 45,179                                |
| 12  | HINGOLI          | 1,46,473            | 1,03,480 | 1,30,465                              | 1,01,317                              | 1,16,914                              | 89,473                                |
| 13  | JALGAON          | 2,77,499            | 2,68,209 | 2,93,747                              | 2,77,122                              | 2,94,617                              | 3,46,579                              |
| 14  | JALNA            | 2,02,493            | 1,70,028 | 1,59,947                              | 1,29,877                              | 1,26,698                              | 1,08,172                              |
| 15  | KOLHAPUR         | 2,80,499            | 3,50,410 | 2,48,633                              | 3,06,084                              | 3,55,176                              | 3,86,857                              |
| 16  | LATUR            | 3,21,973            | 2,32,239 | 2,96,093                              | 2,69,083                              | 2,72,288                              | 2,75,553                              |
| 17  | MUMBAI CITY      | 762                 | 1,917    | 1,011                                 | 2,547                                 | 453                                   | 1,526                                 |
| 18  | MUMBAI SUBURB    | 1,465               | 2,733    | 3,396                                 | 5,859                                 | 2,886                                 | 8,863                                 |
| 19  | NAGPUR           | 1,01,302            | 1,18,982 | 87,526                                | 1,19,223                              | 90,513                                | 1,55,099                              |
| 20  | NANDED           | 2,63,045            | 2,24,072 | 2,38,899                              | 2,22,113                              | 1,96,522                              | 2,06,101                              |
| 21  | NANDURBAR        | 57,416              | 79,005   | 45,681                                | 81,328                                | 40,292                                | 71,454                                |
| 22  | NASIK            | 1,64,942            | 3,38,130 | 1,65,477                              | 3,31,623                              | 1,73,214                              | 4,25,026                              |
| 23  | OSMANABAD        | 1,66,295            | 1,56,141 | 1,46,058                              | 1,42,996                              | 1,40,319                              | 1,50,775                              |
| 24  | PALGHAR          | 21,844              | 21,166   | 21,214                                | 19,275                                | 23,712                                | 33,205                                |
| 25  | PARBHANI         | 1,99,241            | 1,60,099 | 1,77,757                              | 1,48,659                              | 1,56,815                              | 1,38,496                              |
| 26  | PUNE             | 4,21,564            | 5,07,967 | 4,07,735                              | 5,26,122                              | 4,29,219                              | 6,53,781                              |
| 27  | RAIGAD           | 50,999              | 41,873   | 33,355                                | 29,961                                | 43,194                                | 58,681                                |
| 28  | RATNAGIRI        | 86,420              | 64,064   | 68,904                                | 61,063                                | 54,682                                | 83,842                                |
| 29  | SANGLI           | 2,60,070            | 2,85,041 | 2,52,683                              | 2,69,766                              | 2,39,628                              | 3,07,866                              |
| 30  | SATARA           | 3,99,851            | 3,06,225 | 3,74,418                              | 3,02,807                              | 3,64,171                              | 3,52,203                              |
| 31  | SINDHUDURG       | 45,185              | 41,552   | 44,240                                | 41,422                                | 52,465                                | 64,964                                |
| 32  | SOLAPUR          | 2,64,879            | 4,16,216 | 2,30,156                              | 3,95,396                              | 2,69,297                              | 4,90,878                              |
| 33  | THANE            | 46,372              | 33,515   | 32,777                                | 31,319                                | 36,968                                | 50,974                                |
| 34  | WARDHA           | 91,112              | 96,587   | 75,290                                | 91,319                                | 62,350                                | 92,291                                |
| 35  | WASHIM           | 1,22,116 2,14,959   | 1,17,340 | 1,18,324                              | 1,17,033                              | 95,418 1,66,523                       | 1,08,286 2,08,584                     |
| 36  | YAVATMAL         |                     | 2,24,995 | 1,91,093                              | 2,06,573                              |                                       |                                       |

Source: SLBC, Maharashtra

## Statement referred to in part (c) of Lok Sabha Un-Starred Question no. 2301 on 'KCC Acounts Opened in Maharashtra' due for answer on 04.08.2025

## Details of additional Interest Subvention provided by the Govt. of Maharashtra are as under:

(Rs. in crore)

| Scheme                                 |   2023-24 |   2024-25 |
|----------------------------------------|-----------|-----------|
| Interest Subvention                    |    347    |    666.6  |
| Interest Incentive on prompt repayment |    367.99 |    299.96 |

Source: SLBC, Maharashtra

Annexure-III Statement referred to in part (d) of Lok Sabha Un-Starred Question no. 2301 on 'KCC

## Acounts Opened in Maharashtra' due for answer on 04.08.2025

## Data on NPA in KCC accounts at All India level and in the state of Maharashtra is as below:

| Bank Group   | All-India     | All-India     | Maharashtra   | Maharashtra   |
|--------------|---------------|---------------|---------------|---------------|
| Bank Group   | 31 March 2024 | 31 March 2025 | 31 March 2024 | 31 March 2025 |
| SCBs         | 13.97%        | 13.95%        | 20.76%        | 21.44%        |
| RRBs         | 7.13%         | NA*           | 4.27%         | NA*           |
| RCBs         | 6.55%         | NA*           | 19.56%        | NA*           |

SCB:  Scheduled  Cooperative  Bank;  RRB:  Regional  Rural  Bank;  RCB:  Rural  Cooperative

Banks *NA: Not Available                                                                  Data Source: RBI and NABARD

## District-wise Financial & Digital Literacy Camps conducted in the last 03 FYs

|   SN | Name of the district      | Number of Financial Literacy Camps   |
|------|---------------------------|--------------------------------------|
|    1 | Ahilyanagar               | 670                                  |
|    2 | Akola                     | 377                                  |
|    3 | Amravati                  | 153                                  |
|    4 | Chhatrapati Sambhajinagar | 1,114                                |
|    5 | Beed                      | 114                                  |
|    6 | Bhandara                  | 658                                  |
|    7 | Buldana                   | 667                                  |
|    8 | Chandrapur                | 1,811                                |
|    9 | Dharashiv                 | 388                                  |
|   10 | Dhule                     | 237                                  |
|   11 | Gadchiroli                | 1,127                                |
|   12 | Gondia                    | 898                                  |
|   13 | Hingoli                   | 89                                   |
|   14 | Jalgaon                   | 842                                  |
|   15 | Jalna                     | 640                                  |
|   16 | Kolhapur                  | 661                                  |
|   17 | Latur                     | 694                                  |
|   18 | Nagpur                    | 380                                  |
|   19 | Nanded                    | 543                                  |
|   20 | Nandurbar                 | 752                                  |
|   21 | Nasik                     | 847                                  |
|   22 | Palghar                   | 203                                  |
|   23 | Parbhani                  | 230                                  |
|   24 | Pune                      | 1,114                                |
|   25 | Raigad                    | 467                                  |
|   26 | Ratnagiri                 | 408                                  |
|   27 | Sangli                    | 865                                  |
|   28 | Satara                    | 1,540                                |
|   29 | Sindhudurg                | 550                                  |
|   30 | Solapur                   | 1118                                 |
|   31 | Thane                     | 337                                  |
|   32 | Wardha                    | 208                                  |
|   33 | Washim                    | 587                                  |
|   34 | Yavatmal                  | 775                                  |

Source: NABARD

Statement referred to in part (e) and (f) of Lok Sabha Un-Starred Question no. 2301 on 'KCC Acounts Opened in Maharashtra' due for answer on 04.08.2025

District-wise count of CFLs sanctioned under FIF in Maharashtra

|   SN | Name of the district      |   No. of CFLs |
|------|---------------------------|---------------|
|    1 | Ahilyanagar               |             2 |
|    2 | Akola                     |             2 |
|    3 | Amravati                  |             3 |
|    4 | Beed                      |             2 |
|    5 | Bhandara                  |             1 |
|    6 | Buldhana                  |             2 |
|    7 | Chandrapur                |             1 |
|    8 | Chhatrapati Sambhajinagar |             3 |
|    9 | Dharashiv                 |             1 |
|   10 | Gadchiroli                |             1 |
|   11 | Gondia                    |             2 |
|   12 | Jalgaon                   |             3 |
|   13 | Kolhapur                  |             3 |
|   14 | Latur                     |             1 |
|   15 | Nagpur                    |             5 |
|   16 | Nanded                    |             3 |
|   17 | Nashik                    |             4 |
|   18 | Palghar                   |             1 |
|   19 | Parbhani                  |             1 |
|   20 | Pune                      |             4 |
|   21 | Raigad                    |             2 |
|   22 | Sangli                    |             2 |
|   23 | Satara                    |             3 |
|   24 | Sindhudurg                |             1 |
|   25 | Solapur                   |             1 |
|   26 | Thane                     |             1 |
|   27 | Wardha                    |             2 |
|   28 | Washim                    |             1 |
|   29 | Yavatmal                  |             2 |

Source: NABARD