Lok Sabha Question No. 115 (UNSTARRED), answered on 2025-07-21
Subject: Total Outstanding Loan under KCC Scheme
Ministry: FINANCE
Asked by: Shri Rajesh Naranbhai Chudasama

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

## LOK SABHA

Unstarred Question No. 115

ANSWERED ON MONDAY, 21 JULY 2025/ASHADHA 30, 1947 (SAKA)

## Total Outstanding Loan under KCC Scheme

## 115. Shri Rajesh Naranbhai Chudasama:

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 since its inception, year and State-wise;
- (c) the amount of budget allocation and expenditure in the last five years under the scheme, yearwise;
- (d) the total outstanding loan amount under the KCC scheme in the last five years, year wise; and
- (e) the way by which the Government plans to reduce the rising outstanding amount under the KCC scheme?

## Answer

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

(a) to (e) As reported by RBI and NABARD, the year-wise and State-wise details of total number of operative Kisan Credit Cards (KCCs) and outstanding loan amount for the last 5 years is provided at Annexure-I .

Government  of  India  under  Modified  Interest  Subvention  Scheme  (MISS)  provides  Interest Subvention of 1.5% to banks for providing short-term working capital loans upto Rs 3.00 lakh at 7% per annum provided through Kisan Credit Card (KCC). The details 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 | 2020-21 | 19,831.75           | 17,789.72               |
|      2 | 2021-22 | 21,476.93           | 21,476.93               |
|      3 | 2022-23 | 19,700.00           | 17,997.88               |
|      4 | 2023-24 | 18,500.00           | 14,251.92               |
|      5 | 2024-25 | 22,600.00           | 17,811.72               |

The details of total outstanding loan amount under the KCC scheme at the end of last 5 financial years are as under:

| Financial Year   | Total Amount Outstanding in Operative Accounts (in Crores)   |
|------------------|--------------------------------------------------------------|
| 2020-21          | 7,53,133                                                     |
| 2021-22          | 8,13,945                                                     |
| 2022-23          | 8,85,921                                                     |
| 2023-24          | 9,81,761                                                     |
| 2024-25          | 10,20,072                                                    |

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. 115 on 'Total Outstanding Loan under KCC Scheme' due for answer on 21.07.2025 (Amount in Rs. Cr & number of cards issued in '000)

| SN   | State/UT          | 31 March 2021   | 31 March 2021   | 31 March 2022   | 31 March 2022   | 31 March 2023   | 31 March 2023   | 31 March 2024   | 31 March 2024   | 31 March 2025   | 31 March 2025   |
|------|-------------------|-----------------|-----------------|-----------------|-----------------|-----------------|-----------------|-----------------|-----------------|-----------------|-----------------|
| SN   | State/UT          | No. of KCCs     | Amount O/s      | No. of KCCs     | Amount O/s      | No. of KCCs     | Amount O/s      | No. of KCCs     | Amount O/s      | No. of KCCs     | Amount O/s      |
| 1    | A &NIsland        | 8               | 34              | 9               | 45              | 9               | 38              | 8               | 23              | 8               | 24              |
| 2    | Andhra Pradesh    | 4,605           | 52,279          | 4,577           | 56,125          | 4,552           | 60,883          | 4,853           | 65,455          | 4,734           | 68,003          |
| 3    | Arunachal Pradesh | 9               | 62              | 10              | 76              | 10              | 81              | 18              | 195             | 22              | 254             |
| 4    | Assam             | 737             | 3,755           | 658             | 3,896           | 647             | 3,895           | 671             | 4,616           | 553             | 4,931           |
| 5    | Bihar             | 2,771           | 17,385          | 2,657           | 17,581          | 2,577           | 17,388          | 2,881           | 19,152          | 2,821           | 19,369          |
| 6    | Chandigarh        | 71              | 297             | 1               | 107             | 1               | 99              | 2               | 126             | 1               | 113             |
| 7    | Chhattisgarh      | 1,766           | 8,554           | 1,782           | 9,798           | 1,917           | 10,757          | 2,146           | 10,582          | 1,909           | 15,088          |
| 8    | DNHDD             | 1               | 22              | 1               | 30              | 2               | 40              | 2               | 40              | 1               | 47              |
| 9    | Delhi             | 4               | 95              | 3               | 55              | 3               | 45              | 3               | 43              | 3               | 42              |
| 10   | Goa               | 14              | 114             | 8               | 110             | 9               | 111             | 12              | 148             | 12              | 178             |
| 11   | Gujarat           | 2,892           | 52,121          | 2,879           | 56,941          | 3,019           | 62,391          | 3,137           | 71,132          | 3,225           | 77,441          |
| 12   | Haryana           | 2,264           | 45,356          | 2,253           | 48,049          | 2,287           | 50,045          | 2,362           | 54,000          | 2,400           | 55,411          |
| 13   | Himachal Pradesh  | 392             | 6,626           | 424             | 7,309           | 460             | 7,636           | 503             | 9,072           | 510             | 9572            |
| 14   | Jammu &Kashmir    | 1,009           | 6,518           | 934             | 6,292           | 911             | 6,363           | 1,067           | 6,974           | 1,113           | 7379            |
| 15   | Jharkhand         | 925             | 4,488           | 922             | 4,648           | 968             | 5,200           | 996             | 5,560           | 969             | 5668            |
| 16   | Karnataka         | 4,823           | 46,090          | 4,737           | 50,578          | 4,721           | 54,181          | 5,499           | 62,794          | 5,376           | 67,542          |
| 17   | Kerala            | 1,863           | 26,745          | 1,929           | 27,864          | 2,594           | 43,401          | 2,658           | 49,952          | 2,412           | 44,788          |
| 18   | Ladakh            | 30              | 281             | 190             | 4,226           | 28              | 258             | 28              | 268             | 28              | 272             |
| 19   | Lakshadweep       | 0               | 3               | 25              | 376             | 2               | 15              | 3               | 22              | 3               | 28              |
| 20   | Madhya Pradesh    | 6,274           | 68,227          | 6,068           | 69,133          | 6,269           | 78,136          | 6,500           | 84,523          | 6,517           | 88,732          |
| 21   | Maharashtra       | 6,868           | 55,635          | 6,921           | 62,643          | 7,177           | 70,354          | 7,218           | 78,018          | 7,031           | 85,049          |
| 22   | Manipur           | 18              | 101             | 18              | 111             | 20              | 165             | 20              | 159             | 18              | 161             |
| 23   | Meghalaya         | 61              | 290             | 66              | 320             | 72              | 360             | 77              | 467             | 86              | 557             |
| 24   | Mizoram           | 25              | 191             | 27              | 269             | 35              | 315             | 52              | 518             | 43              | 387             |
| 25   | Nagaland          | 28              | 147             | 26              | 153             | 30              | 179             | 32              | 192             | 37              | 234             |
| 26   | Odisha            | 4,338           | 19,320          | 3,999           | 20,349          | 3,971           | 21,744          | 4,466           | 29,097          | 4,279           | 27,064          |
| 27   | Puducherry        | 16              | 175             | 18              | 237             | 13              | 276             | 20              | 392             | 19              | 463             |
| 28   | Punjab            | 2,244           | 54,526          | 2,169           | 55,754          | 2,198           | 55,428          | 2,235           | 57,830          | 2,168           | 57,536          |
| 29   | Rajasthan         | 6,615           | 84,637          | 6,216           | 94,583          | 6,541           | 99,551          | 6,846           | 1,08,973        | 7,127           | 1,12,364        |
| 30   | Sikkim            | 7               | 34              | 7               | 46              | 9               | 56              | 10              | 62              | 11              | 71              |
| 32   | Telangana         | 4,260           | 39,821          | 4,273           | 40,611          | 4,337           | 44,405          | 4,509           | 47,786          | 4,576           | 50,594          |
| 33   | Tripura           | 256             | 518             | 246             | 513             | 155             | 507             | 165             | 522             | 171             | 518             |
| 34   | Uttar Pradesh     | 11,281          | 1,18,066        | 10,471          | 1,23,034        | 10,705          | 1,28,123        | 10,917          | 1,38,621        | 10,956          | 1,41,375        |
| 35   | Uttarakhand       | 606             | 7,111           | 547             | 6,688           | 509             | 6,365           | 554             | 6,479           | 512             | 6,238           |
| 36   | West Bengal       | 3,712           | 13,643          | 3,222           | 13,784          | 3,132           | 14,531          | 3,005           | 15,856          | 3,520           | 17,459          |
|      | TOTAL             | 73,769          | 7,53,133        | 71,348          | 8,13,945        | 73,470          | 8,85,464        | 77,507          | 9,81,761        | 77,211          | 10,20,072       |

O/s : Outstanding