Lok Sabha Question No. 3947 (UNSTARRED), answered on 2025-08-18
Subject: Schemes for Easy Loans to Farmers
Ministry: FINANCE
Asked by: Shri Lumbaram Choudhary, Dr. Rajkumar Sangwan

## GOVERNMENT OF INDIA MINISTRY OF FINANCE

## DEPARTMENT OF FINANCIAL SERVICES LOK SABHA UNSTARRED QUESTION NO. 3947

ANSWERED ON MONDAY, AUGUST 18, 2025/ SRAVANA 27, 1947 (SAKA)

## SCHEMES FOR EASY LOANS TO FARMERS

## †3947. DR. RAJKUMAR SANGWAN: SHRI LUMBARAM CHOUDHARY:

Will the Minister of FINANCE be pleased to state:

(a) whether the Government has launched any special financial scheme to provide easy loan facility  to  farmers,  small  traders  and  self-employed  youth  in  Uttar  Pradesh  including Baghpat Lok Sabha Constituency and if so, the details thereof;

(b)  the  details  of  the  loan  provided  to  the  above  categories  in  Uttar  Pradesh  including Baghpat Lok Sabha Constituency during the last five years along with current year; and

(c)  whether  the  Government  has  established  any  special  campaign,  helpline  or  Loan Counseling Centre at the local level in banks or other financial institutions to make the loan process simple, transparent and time bound in Uttar Pradesh including Baghpat Lok Sabha Constituency and if so, the details thereof?

## ANSWER

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

(a) The Government has launched various schemes viz. Kisan Credit Card (KCC), Pradhan Mantri  MUDRA  Yojana  (PMMY),  Prime  Minister's  Employment  Generation  Program (PMEGP),  PM  Vishwakarma,  PM  SVANidhi  Scheme,  Stand-Up  India  Scheme  etc.  to facilitate credit flow to farmers, small traders and self-employed youth.

(b)  The  details  of  loans  sanctioned/disbursed  under  the  above-mentioned  schemes  of  the Government in Uttar Pradesh and Baghpat districts are provided in Annexure-I.

(c)  The  Government  has  taken  several  measures  to  make  various  credit  facilities  simple, transparent, and efficient which inter-alia include:

- KCC Saturation Drive under Atma Nirbhar Bharat Abhiyan were conducted to provide KCC to all eligible farmers. Additionally, nationwide district level weekly camps were also organized to expand the benefits of the Kisan Credit Card (KCC) to all eligible farmers engaged in Animal Husbandry, Dairy, and Fisheries (AHDF).
- Financial Literacy and awareness programmes are conducted through Centre for Financial Literacy  (CFL),  Financial  Literacy  Camps  (FLCs)  which  are  set-up  by  RBI  and  banks respectively. Besides this, RBI also conducts Financial Literacy Week (FLW) every year to propagate the message of financial education on various themes among members of the public across the country.
- Banking Correspondents (BCs): Eligible people are also enrolled under financial inclusion schemes through strong network of Banking Correspondents (BCs), representing the last mile connect in the Banking Services delivery system.
- Digital  Banking Units (DBUs): To make digital financial services more accessible and user-friendly, Digital Banking Units (DBUs) have been set-up by Banks with an objective to ensure the benefits of digital banking to every nook and corner of the country. These units offer facilities like opening of saving bank accounts, passbook printing, transfer of funds, loan applications, etc.
- Further, various online platforms like Jan Samarth portal, PSB Loans in 59 Minutes, PM SVANidhi portal, etc., have been established to provide quick and hassle-free credit to eligible beneficiaries in a user-friendly manner.

*****

Statement referred to in part (b) of Lok Sabha Un-Starred Question no. 3947 on   'Schemes for Easy Loans to Farmers' due for answer on 18.08.2025

## Kisan Credit Card (KCC)-Operative accounts as on 31 March of the financial year

(No. of accounts '000s and amount in Rs. Crore)

|                | Uttar Pradesh   | Uttar Pradesh      | Baghpat            | Baghpat            |
|----------------|-----------------|--------------------|--------------------|--------------------|
| Financial Year | A/Cs            | Amount Outstanding | A/Cs               | Amount Outstanding |
| 2020-21        | 11,281          | 1,18,066           | data not available | data not available |
| 2021-22        | 10,471          | 1,23,034           | 101                | 1376.83            |
| 2022-23        | 10,705          | 1,28,115           | 112                | 1572.19            |
| 2023-24        | 10,917          | 1,38,621           | 115                | 1689.27            |
| 2024-25        | 10,956          | 1,41,375           | 117                | 1758.35            |

Source: RBI, NABARD and SLBC Uttar Pradesh

Current year KCC operative data is yet to be reported.

## Pradhan Mantri Mudra Yojana

(No. of accounts in actual and amount in Rs. Crore)

|                | Uttar Pradesh   | Uttar Pradesh     | Baghpat   | Baghpat           |
|----------------|-----------------|-------------------|-----------|-------------------|
| Financial Year | A/Cs            | Sanctioned Amount | A/Cs      | Sanctioned Amount |
| 2020-21        | 47,38,452       | 29,231.35         | 23,557    | 131               |
| 2021-22        | 57,87,982       | 33,663.73         | 33,017    | 193.25            |
| 2022-23        | 68,08,721       | 48,194.90         | 48,881    | 294.36            |
| 2023-24        | 76,79,518       | 59,506.73         | 53,734    | 396.92            |
| 2024-25        | 59,24,230       | 58,837.78         | 36,299    | 375.67            |
| 2025-26*       | 6,39,913        | 8602.84           | 4721      | 70.59             |

Source: As per data uploaded by Member Lending Institutions on Mudra portal

*: Data as of June 2025

## Prime Minister's Employment Generation Program (PMEGP)

(No. of accounts in actual and amount in Rs. Crore)

|                | Uttar Pradesh   | Uttar Pradesh     | Baghpat   | Baghpat           |
|----------------|-----------------|-------------------|-----------|-------------------|
| Financial Year | A/Cs            | Sanctioned Amount | A/Cs      | Sanctioned Amount |
| 2020-21        | 12,276          | 395.9             | 91        | 3.37              |
| 2021-22        | 13,019          | 426.01            | 142       | 4.77              |
| 2022-23        | 19,660          | 688.06            | 106       | 3.9               |
| 2023-24        | 19,551          | 774.82            | 91        | 4.11              |
| 2024-25        | 7,442           | 340.56            | 34        | 1.78              |

Source: KVIC Portal

## PM Vishwakarma

(No. of accounts in actual and amount in Rs. Crore)

|                | Uttar Pradesh   | Uttar Pradesh     | Baghpat   | Baghpat           |
|----------------|-----------------|-------------------|-----------|-------------------|
| Financial Year | A/Cs            | Sanctioned Amount | A/Cs      | Sanctioned Amount |
| 2024-25        | 9555            | 86.61             | 127       | 1.15              |
| 2025-26*       | 1611            | 14.83             | 14        | 0.13              |

Source: PM Vishwakarma Portal; *:As on 14.08.2025

## PM SVANidhi Scheme

|                | Uttar Pradesh   | Uttar Pradesh     | Baghpat   | Baghpat           |
|----------------|-----------------|-------------------|-----------|-------------------|
| Financial Year | A/Cs            | Sanctioned Amount | A/Cs      | Sanctioned Amount |
| 2020-21        | 5,94,316        | 592.86            | 5,777     | 5.76              |
| 2021-22        | 2,14,972        | 231.26            | 1,029     | 1.14              |
| 2022-23        | 3,52,314        | 569.37            | 2,672     | 4.22              |
| 2023-24        | 6,89,708        | 1,125.84          | 5,349     | 9.47              |
| 2024-25        | 1,55,901        | 334.56            | 1,200     | 2.95              |
| 2025-26*       | 1,249           | 3.32              | 10        | 0.02              |

(No. of accounts in actual and amount in Rs. Crore)

Source:

Ministry of Housing and Urban Affairs; *:As on 14.08.2025

## Stand Up India Scheme

(No. of accounts in actual and amount in Rs. Crore)

|                | Uttar Pradesh   | Uttar Pradesh     | Baghpat   | Baghpat           |
|----------------|-----------------|-------------------|-----------|-------------------|
| Financial Year | A/Cs            | Sanctioned Amount | A/Cs      | Sanctioned Amount |
| 2020-21        | 1,674           | 344.1             | 16        | 3.73              |
| 2021-22        | 1,347           | 297.28            | 9         | 2.06              |
| 2022-23        | 2,836           | 593.01            | 18        | 3.41              |
| 2023-24        | 4,019           | 875.25            | 11        | 1.48              |
| 2024-25        | 4,875           | 1,075.98          | 7         | 0.98              |

Source: SIDBI