Lok Sabha Question No. 2924 (UNSTARRED), answered on 2025-03-18
Subject: Kisan Credit Cards
Ministry: AGRICULTURE AND FARMERS WELFARE
Asked by: Dr. Manna Lal Rawat

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

## LOK SABHA UNSTARRED QUESTION NO. 2924

TO BE ANSWERED ON 18 TH  MARCH, 2025

## KISAN CREDIT CARDS

2924. DR. MANNA LAL RAWAT:

Will the Minister of AGRICULTURE AND FARMERS WELFARE कृ ͪष और ͩकसान कãयाण मंğी be pleased to state:

(a)  the details of Kisan Credit Cards issued in the country till now, States/UTs-wise;

(b)  the district-wise details of Kisan Credit Cards issued in the State of Rajasthan along with the block-wise details of Udaipur, Dungarpur, Pratapgarh and Salumbar districts thereof; and

(c) the details of special benefits and financial assistance provided under the KCC scheme in these areas?

## ANSWER

THE MINISTER OF STATE FOR AGRICULTURE AND FARMERS WELFARE कृ ͪष एवं ͩकसान कãयाण राÏय मंğी (SHRI RAMNATH THAKUR)

- (a):  The  state  wise  details  of  Kisan  Credit  Cards  issued  in  the  country  till  31.12.2024, States/UTs-wise is enclosed as Annexure-I .

(b): The district-wise / bloc-wise data of 'Kisan Credit Cards issued' in consolidated form is not maintained centrally.

(c): The Government is implementing a 100% centrally funded Central Sector Scheme known as the Modified Interest Subvention Scheme (MISS) across various States and UTs in pan India  including  Udaipur,  Dungarpur,  Pratapgarh  and  Salumbar  districts  of  Rajasthan.  This scheme aims to provide concessional interest rates on short-term agricultural loans obtained by farmers through Kisan Credit Cards (KCC) for their working capital requirements.

Under this scheme, farmers receive KCC loans at a subsidized interest rate of 7%. To facilitate this, an up front interest subvention (IS) of 1.5% is provided to financial institutions. Additionally,  farmers  who  repay  their  loans  promptly  receive  a  3%  Prompt  Repayment Incentive (PRI), effectively reducing the interest rate to 4% per annum.

The benefits of IS and PRI are available for loan limits up to Rs.3 lakhs. If the short-term loan is taken for allied activities (other than crop husbandry), the loan amount is limited to Rs.2 lakhs only. However, in the budget of 2025, an announcement has been made to extend this limit to Rs. 5 lakh.

## KCC Operative Data as on 31.12.2024

| SN          | States                             | No. of Operative KCCs   | No. of Operative KCCs   |
|-------------|------------------------------------|-------------------------|-------------------------|
| 1           | DELHI                              | 2,698                   |                         |
| 2           | HARYANA                            | 2,373,106               |                         |
| 3           | HIMACHAL PRADESH                   | 589,201                 |                         |
| 4           | JAMMU and KASHMIR                  | 1,065,204               |                         |
| 5           | PUNJAB                             | 2,163,678               |                         |
| 6           | RAJASTHAN                          | 6,967,852               |                         |
| 7           | CHANDIGARH UT                      | 1,501                   |                         |
| 8           | LADAKH                             | 28,042                  |                         |
| 9           | ARUNACHAL PRADESH                  | 22,778                  |                         |
| 10          | ASSAM                              | 587,287                 |                         |
| 11          | MANIPUR                            | 19,442                  |                         |
| 12          | MEGHALAYA                          | 82,247                  |                         |
| 13          | MIZORAM                            | 42,722                  |                         |
| 14          | NAGALAND                           | 35,508                  |                         |
| 15          | SIKKIM                             | 11,067                  |                         |
| 16          | TRIPURA                            | 174,237                 |                         |
| 17          | A and N ISLAND                     | 8,366                   |                         |
| 18          | BIHAR                              | 2,868,912               |                         |
| 19          | JHARKHAND                          | 981,788                 |                         |
| 20          | ODISHA                             | 4,303,873               |                         |
| 21          | WEST BENGAL                        | 3,490,139               |                         |
| 22          | CHHATTISGARH                       | 1,894,110               |                         |
| 23          | MADHYA PRADESH                     | 6,471,976               |                         |
| 24          | UTTARAKHAND                        | 510,753                 |                         |
| 25          | UTTAR PRADESH                      | 10,984,174              |                         |
| 26          | GOA                                | 11,886                  |                         |
| 27          | GUJARAT                            | 3,177,080               |                         |
| 28          | MAHARASHTRA                        | 7,153,999               |                         |
| 29          | Dadra & Nagar Haveli & Daman & Diu | 1,465                   |                         |
| 30          | ANDHRA PRADESH                     | 4,755,649               |                         |
| 31          | TELANGANA                          | 4,495,882               |                         |
| 32          | KARNATAKA                          | 5,386,754               |                         |
| 33          | KERALA                             | 2,468,534               |                         |
| 34          | PUDUCHERRY                         | 23,357                  |                         |
| 35          | TAMILNADU                          | 4,009,365               |                         |
| 36          | LAKSHADWEEP UT                     | 3,004                   |                         |
| Grand Total | Grand Total                        | 77,167,636              | 77,167,636              |

Source: RBI & NABARD for cooperative Bank & RRB

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