Lok Sabha Question No. 1376 (UNSTARRED), answered on 2024-12-03
Subject: Agricultural Household's Income and Debt
Ministry: AGRICULTURE AND FARMERS WELFARE
Asked by: Adv. Adoor Prakash

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

## LOK SABHA UNSTARRED QUESTION NO. 1376

TO BE ANSWERED ON THE 3 RD  DECEMBER, 2024

## AGRICULTURAL HOUSEHOLD'S INCOME AND DEBT

1376. ADV. ADOOR PRAKASH:

Will the Minister of AGRICULTURE AND FARMERS WELFARE क ृ िष और िकसान कʞाण मंũी be pleased to state:

- (a) the details of the average agricultural household's income from cultivation during the last five years, State-wise;
- (b) the details of the steps that the Government is taking to increase the share of income from cultivation for agricultural households;
- (c) the average debt burden of agricultural households in relation to their monthly gross income during the last five years, State-wise;
- (d) the total amount of institutional credit disbursed to agricultural households during the last five years; and
- (e) the details of the steps being taken to ensure more farmers have access to affordable credit?

## ANSWER

THE MINISTER OF STATE FOR AGRICULTURE AND FARMERS WELFARE

क ृ िष और िकसान कʞाण राǛ मंũी (SHRI BHAGIRATH CHAUDHARY)

- (a) to (c): The  National  Sample  Survey  Office  (NSSO),  Ministry  of  Statistics  and Programme Implementation (MoSPI) conducted a Situation Assessment Survey (SAS) of Agricultural Households during NSS 77 th  round (January, 2019 - December, 2019) with reference to the agricultural year July, 2018- June, 2019 in the rural areas of the country. As per result of SAS, the state-wise average monthly income from different sources per agricultural household during 2018-19 is given at Annexure-I and the state-wise average amount of outstanding loan per agricultural household during the same period is given at Annexure-II.

However,  Government  has  adopted  and  implemented  several  policies,  reforms, developmental  programmes  and  schemes  for  achieving  higher  incomes  for  the  farmers directly or indirectly. The unprecedented enhanced budgetary provisions have been made to facilitate the following efforts of the Government:

1. Income support to farmers through PM KISAN
2. Pradhan Mantri Fasal Bima Yojana (PMFBY)
3. Institutional credit for agriculture sector
4. Fixing of Minimum Support Price (MSP) at one-and-a half times the cost of production
5. Promotion of organic farming in the country
6. Per Drop More Crop
7. Micro Irrigation Fund
8. Promotion of Farmer Producer Organisations (FPOs)
9. National Beekeeping and Honey Mission (NBHM)
10. Agricultural Mechanization
11. Providing Soil Health Cards to farmers
12. Setting up of National Agriculture Market (e-NAM) extension Platform
13. Launch of the National Mission for Edible Oils - Oil Palm
14. Agri Infrastructure Fund (AIF)
15. Improvement in farm produce logistics, Introduction of Kisan Rail
16. Mission for Integrated Development of Horticulture (MIDH) - Cluster Development Programme
17. Creation of a Start-up Eco system in agriculture and allied sector
18. Achievement in Export of Agri and Allied Agri- Commodities
19. Central sector Scheme Namo Drone Didi
20. (d): The government is implementing a 100% centrally funded Central Sector Scheme known as the Modified Interest Subvention Scheme (MISS) across PAN India with aim to provide  concessional  interest  rates  on  short-term  agricultural  loans  obtained  by  farmers through  Kisan  Credit  Cards  (KCC)  for  their  working  capital  requirements.  The  total agriculture credit to farmers during the last five years in rupees lakh crore is given as under:

| Financial Year   |   Crop loan (Rs in lakh crore) |   Term Loan (Rs in lakh crore) |   Total (Rs in lakh crore) |
|------------------|--------------------------------|--------------------------------|----------------------------|
| 2019-20          |                           8.25 |                           5.68 |                      13.93 |
| 2020-21          |                           8.94 |                           6.82 |                      15.76 |
| 2021-22          |                          11    |                           7.64 |                      18.64 |
| 2022-23          |                          13.19 |                           8.36 |                      21.55 |
| 2023-24          |                          15.07 |                          10.4  |                      25.47 |

Source: NABARD

- (e): As per priority Sector Landing (PSL) regulation, Govt. has mandated that banks will provide 18% of their total loans to agriculture and allied sector. Since 2016 a sub limit has been  fixed  for  small  and  marginal  farmers  which  at  present  is  10%  (i.e.  56%  of  total agriculture  credit  must  go  to  small  and  marginal  farmers).  Besides,  Department  of Agriculture & Farmers Welfare with the collaboration with Department of Financial Services, Ministry of Finance and Banks regularly organizes campaigns and camps for promotion and saturation of KCC.

## STATEMENT IN REPLY TO PART (a) OF LOK SABHA UNSTARRED QUESTION NO. 1376  ANSWERED ON 03/12/2024 REGARDING AGRICULTURAL HOUSEHOLD'S INCOME AND DEBT.

| Sr. No.   | State/Group of NE States/Group of UTs   | Net receipt from crop production   | Total Income *   |
|-----------|-----------------------------------------|------------------------------------|------------------|
| 1.        | Andhra Pradesh                          | 2,734                              | 10,480           |
| 2.        | Arunachal Pradesh                       | 5,818                              | 19,225           |
| 3.        | Assam                                   | 3,262                              | 10,675           |
| 4.        | Bihar                                   | 2,739                              | 7,542            |
| 5.        | Chhattisgarh                            | 4,336                              | 9,677            |
| 6.        | Gujarat                                 | 4,318                              | 12,631           |
| 7.        | Haryana                                 | 9,092                              | 22,841           |
| 8.        | Himachal Pradesh                        | 2,552                              | 12,153           |
| 9.        | Jammu & Kashmir                         | 1,980                              | 18,918           |
| 10.       | Jharkhand                               | 1,102                              | 4,895            |
| 11.       | Karnataka                               | 6,835                              | 13,441           |
| 12.       | Kerala                                  | 3,638                              | 17,915           |
| 13.       | Madhya Pradesh                          | 4,309                              | 8,339            |
| 14.       | Maharashtra                             | 4,747                              | 11,492           |
| 15.       | Manipur                                 | 3,221                              | 11,227           |
| 16.       | Meghalaya                               | 21,060                             | 29,348           |
| 17.       | Mizoram                                 | 8,694                              | 17,964           |
| 18.       | Nagaland                                | 2,010                              | 9,877            |
| 19.       | Odisha                                  | 1,569                              | 5,112            |
| 20.       | Punjab                                  | 12,597                             | 26,701           |
| 21.       | Rajasthan                               | 3,731                              | 12,520           |
| 22.       | Sikkim                                  | 4,065                              | 12,447           |
| 23.       | Tamil Nadu                              | 2,641                              | 11,924           |
| 24.       | Telangana                               | 4,937                              | 9,403            |
| 25.       | Tripura                                 | 2,912                              | 9,918            |
| 26.       | Uttarakhand                             | 5,277                              | 13,552           |
| 27.       | Uttar Pradesh                           | 3,290                              | 8,061            |
| 28.       | West Bengal                             | 1,547                              | 6,762            |
|           | Group of NE States                      | 8,328                              | 16,863           |
|           | Group of UTs                            | 2,494                              | 18,511           |
|           | all India                               | 3,798                              | 10,218           |

Source: NSS Report No. 587: Situation Assessment of Agricultural Households and Land and Livestock Holdings of Households in Rural India, 2019

## STATEMENT IN REPLY TO PART (c) OF LOK SABHA UNSTARRED QUESTION NO. 1376 ANSWERED ON 03/12/2024 REGARDING AGRICULTURAL HOUSEHOLD'S INCOME AND DEBT.

## State/UT wise average amount (Rs.) of outstanding loan per agricultural household and percentage of indebted agricultural households

| Sl.No.   | State/Group of NE States/ Group of UTs   | Average amount (Rs.) of outstanding loan per agricultural household   |   Percentage of indebted agricultural households |
|----------|------------------------------------------|-----------------------------------------------------------------------|--------------------------------------------------|
| 1        | Andhra Pradesh                           | 2,45,554                                                              |                                             93.2 |
| 2        | Arunachal Pradesh                        | 3,581                                                                 |                                             12.5 |
| 3        | Assam                                    | 16,407                                                                |                                             31   |
| 4        | Bihar                                    | 23,534                                                                |                                             39.7 |
| 5        | Chhattisgarh                             | 21,443                                                                |                                             31.2 |
| 6        | Gujarat                                  | 56,568                                                                |                                             42.5 |
| 7        | Haryana                                  | 1,82,922                                                              |                                             47.5 |
| 8        | Himachal Pradesh                         | 85,825                                                                |                                             29.2 |
| 9        | Jammu & Kashmir                          | 30,435                                                                |                                             31.9 |
| 10       | Jharkhand                                | 8,415                                                                 |                                             25.3 |
| 11       | Karnataka                                | 1,26,240                                                              |                                             67.6 |
| 12       | Kerala                                   | 2,42,482                                                              |                                             69.9 |
| 13       | Madhya Pradesh                           | 74,420                                                                |                                             48.4 |
| 14       | Maharashtra                              | 82,085                                                                |                                             54   |
| 15       | Manipur                                  | 5,551                                                                 |                                             20.6 |
| 16       | Meghalaya                                | 2,237                                                                 |                                              9.1 |
| 17       | Mizoram                                  | 23,485                                                                |                                              8   |
| 18       | Nagaland                                 | 1,750                                                                 |                                              6   |
| 19       | Odisha                                   | 32,721                                                                |                                             61.2 |
| 20       | Punjab                                   | 2,03,249                                                              |                                             54.4 |
| 21       | Rajasthan                                | 1,13,865                                                              |                                             60.3 |
| 22       | Sikkim                                   | 32,185                                                                |                                             10.6 |
| 23       | Tamil Nadu                               | 1,06,553                                                              |                                             65.1 |
| 24       | Telangana                                | 1,52,113                                                              |                                             91.7 |
| 25       | Tripura                                  | 23,944                                                                |                                             47.7 |
| 26       | Uttarakhand                              | 48,338                                                                |                                             46.6 |
| 27       | Uttar Pradesh                            | 51,107                                                                |                                             41.9 |
| 28       | West Bengal                              | 26,452                                                                |                                             50.8 |
|          | Group of N E States                      | 10,034                                                                |                                             19.2 |
|          | Group of UTs                             | 25,629                                                                |                                             27.5 |
|          | All India                                | 74,121                                                                |                                             50.2 |

Source: NSS Report No. 587: Situation Assessment of Agricultural Households and Land and Livestock Holdings of Households in Rural India, 2019