Lok Sabha Question No. 1365 (UNSTARRED), answered on 2025-07-28
Subject: Increase in Limit of Kisan Credit Card Scheme
Ministry: FINANCE
Asked by: Shri Gopal Jee Thakur

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

## LOK SABHA

## Unstarred Question No. 1365

ANSWERED ON MONDAY, 28 JULY 2025/ SRAVANA 6, 1947 (Saka)

## Increase in Limit of Kisan Credit Card Scheme

†1365. Shri Gopal Jee Thakur:

Will the Minister of FINANCE be pleased to state:

- a) whether  the  Government  proposes  to  increase  the  limit  of  the  Kisan  Credit  Card  scheme for farmers to Rs.5 lakh without guarantee;
- b) whether small farmers will not face difficulties in agricultural works due to this initiative;
- c) the  number  of  farmers  of  Darbhanga  district  of  Bihar  benefitted  from  this  scheme  during the last five years, the scheme-wise;
- d) whether the Government proposes to make this scheme more accessible to farmers; and
- e) if so, the details thereof?

## Answer

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

(a)  In  Union  Budget  2025-26,  the  Government  of  India  has  announced  to  increase  the  loan limit under the Modified Interest Subvention Scheme (MISS) from existing Rs. 3 lakh to Rs 5 lakh for loans taken through the Kisan Credit Card (KCC). The limit for collateral free credit under  KCC  has  already  been  increased  from  the  Rs.  1.6  lakh  to  Rs.  2  lakh  per  borrower, effective  from 01 January, 2025. There is no proposal under consideration for increasing this limit further.

(b) The aforesaid initiatives of Government are aimed to promote greater access to formal/institutional credit in the agricultural sector, thereby reducing reliance  on  noninstitutional sources.

(c)  As  reported  by  SLBC,  Bihar,  the  details  of  number  of  farmers  of  Darbhanga  district  of Bihar benefitted from this scheme during the last five years is given at Annexure .

(d) and (e) Government has taken various steps to make KCC scheme more accessible to farmers which inter-alia includes:

- i. In  2019,  KCC  scheme  was  extended  to  cover  working  capital  requirement  of  animal husbandry, dairying and fisheries.
- ii. In  order  to  bring  awareness  about  the  benefits  of  the  KCC  scheme  among  farmers, Union/State  Governments,  RBI,  NABARD  and  Banks  conduct  various  awareness programmes and IEC (Information, Education and Communication) campaigns.
- iii. Government  of  India  launched  KCC  Saturation  Drive  under  Atma  Nirbhar  Bharat Abhiyan to provide KCC to all eligible farmers. Further, to expand the benefits of the Kisan Credit Card (KCC) to all eligible farmers engaged in Animal Husbandry, Dairy, and Fisheries (AHDF) nationwide district level weekly camps were also organized.

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Annexure

| Number of KCC disbursed during the last five years   | Number of KCC disbursed during the last five years   | Number of KCC disbursed during the last five years   | Number of KCC disbursed during the last five years   | Number of KCC disbursed during the last five years   |
|------------------------------------------------------|------------------------------------------------------|------------------------------------------------------|------------------------------------------------------|------------------------------------------------------|
| Financial Year KCC-Crop                              | KCC-Animal Husbandry                                 | KCC-Fisheries                                        | Total KCC                                            |                                                      |
| 2020-21 30,778                                       | 471                                                  | 21                                                   | 31,270                                               |                                                      |
| 54,074                                               | 654                                                  | 47                                                   | 2021-22 54,775                                       |                                                      |
| 2022-23 51,053                                       | 994                                                  | 35                                                   | 52,082                                               |                                                      |
| 2023-24 45,452                                       | 1,023                                                | 24                                                   | 46,499                                               |                                                      |
| 2024-25 63,194                                       | 6,432                                                | 194                                                  | 69,820                                               |                                                      |