Lok Sabha Question No. 1172 (UNSTARRED), answered on 2024-12-03
Subject: Kisan Credit Cards (KCC)
Ministry: FISHERIES, ANIMAL HUSBANDRY AND DAIRYING
Asked by: Shri Raju Bista, Dr. D. Purandeswari

## GOVERNMENT OF INDIA

## MINISTRY OF FISHERIES, ANIMAL HUSBANDRY AND DAIRYING

## DEPARTMENT OF ANIMAL HUSBANDRY AND DAIRYING LOK SABHA

UNSTARRED QUESTION NO.1172 TO BE ANSWERED ON 3 rd  DECEMBER 2024

## KISAN CREDIT CARDS (KCC)

## 1172     SHRI RAJU BISTA: SMT. DAGGUBATI PURANDESWARI:

## WILL THE MINISTER OF FISHERIES, ANIMAL HUSBANDRY AND DAIRYING मत्स्यपालन , पशुपालनऔरडेयरीमंत्री

be pleased to state:

(a) the details of issuance of Kisan Credit Cards (KCC) for Animal Husbandry and Fishery sectors since the scheme's introduction, including the number of beneficiaries particularly in the districts of Darjeeling, Kalimpong and North Dinajpur;

(b)  the  details  of  specific  benefits  and  financial  support  provided  under  the  KCC  scheme  for  these sectors, including interest rates, loan limits, and repayment terms;

(c) the details of impact of the KCC scheme on the productivity and income of farmers engaged in animal husbandry and fishery, supported by relevant statistics; and

(d) the details of Regional distribution of KCC issuance measures taken to ensure equitable access to the scheme, State-wise?

## ANSWER

## THE MINISTER OF FISHERIES, ANIMAL HUSBANDRY AND DAIRYING (SHRI RAJIV RANJAN SINGH ALIAS LALAN SINGH)

- (a) State wise details of number of operative KCCs for Animal Husbandry and Fisheries along with amount  outstanding  as  on  30.09.2024  is  given  as  Annexure.  The  district  wise  data  is  not available.
- (b) Kisan Credit Card is a saving -cum- loan product. In 2019, KCC scheme was extended to cover working  capital  requirement  of  animal  husbandry,  dairying  and  fisheries.   Banks  can  provide collateral  free  loan  up  to  Rs.1.60  lakh.  Interest  Subvention  of  1.5%  to  the  banks  and  Prompt Repayment  Incentive  of  3%  to  the  farmers  are  provided  up  to  Rs.2  lakh  on  working  capital requirement towards animal husbandry, dairying and fisheries activities against KCC cards under the 'Modified Interest Subvention Scheme'  of M/o  Agriculture and Farmers Welfare, Government of India. The loans are provided for a tenure of one year.
- (c) By availing KCC, farmers are able to access  working capital loans at subsidized interest rates, which  helps  them  to  meet  their  short-term  financial  needs  for  activities  like  animal  rearing, poultry  farming,  and  fisheries.  Even  farmer  have  option  to  take  benefit  of  livestock  insurance, personal insurance, assets insurance & health insurance (wherever product is available). The loan is in the form of revolving cash credit, thereby farmers are able to withdraw and repay funds as needed,  based  on  their  cash  flow  and  income  generation  patterns.  By  ensuring  these  financial benefits  through  institutional  sources  of  credit,  the  KCC  scheme  helps  farmers  invest  in  better resources, improve productivity, and ultimately increase their income.
- (d) In  order  to  ensure  equitable  access  to  KCC  scheme  this  department  in  association  with Department  of  Financial  Services  and  State  Animal  Husbandry  &  Fisheries  department  is conducting Nation-wide AHDF KCC Campaign since 2020. Detailed guidelines for the campaign was issued by defining the role of all stakeholders for effective implementation.. In addition to this,various  other  campaigns  have  also  been  organized  like  Ghar  Ghar  KCC  Abhiyaan,  Kisan Bhagidari  Prathmikta  Hamari,  PM  Janman,  PM  Fasal  Beema  Yojana,  etc.  NABARD  has  also released a film on KCC in seven regional languages for displaying in various events and uploaded on You Tube for creating awareness through digital platform.

****

Annexure State wise details of number of operative KCCsfor Animal Husbandry and Fisheries referred in part(a) of the answer: (Amount in Rs. crore)

| No.         |                                 | Animal Husbandry      | Animal Husbandry   | Fisheries             | Fisheries        |
|-------------|---------------------------------|-----------------------|--------------------|-----------------------|------------------|
| No.         | State                           | No. of Operative KCCs | Amt. outstanding   | No. of Operative KCCs | Amt. outstanding |
| 1           | Delhi                           | 209                   | 1.75               | 107                   | 0.58             |
| 2           | Haryana                         | 216,482               | 3,126.41           | 637                   | 9.66             |
| 3           | Himachal Pradesh                | 69,823                | 630.38             | 1,451                 | 16.24            |
| 4           | Jammu and Kashmir               | 219,754               | 1,420.69           | 636                   | 6.06             |
| 5           | Punjab                          | 379,902               | 5,290.47           | 859                   | 15.16            |
| 6           | Rajasthan                       | 628,648               | 7,350.61           | 1,226                 | 13.01            |
| 7           | Chandigarh                      | 382                   | 17.57              | -                     | -                |
| 8           | Ladakh                          | 7,844                 | 84.79              | 17                    | 0.22             |
| 9           | Arunachal Pradesh               | 123                   | 1.67               | 66                    | 0.58             |
| 10          | Assam                           | 13,448                | 193.24             | 1,926                 | 17.48            |
| 11          | Manipur                         | 1,938                 | 15.48              | 310                   | 3.82             |
| 12          | Meghalaya                       | 2,083                 | 11.08              | 206                   | 0.71             |
| 13          | Mizoram                         | 23,924                | 259.29             | 380                   | 5.13             |
| 14          | Nagaland                        | 562                   | 1.48               | 46                    | 0.38             |
| 15          | Sikkim                          | 2,842                 | 17.27              | 117                   | 1.12             |
| 16          | Tripura                         | 5,262                 | 33.52              | 3,163                 | 14.98            |
| 17          | A&N island                      | 811                   | 3.65               | 657                   | 2.12             |
| 18          | Bihar                           | 290,061               | 1,461.65           | 808                   | 11.75            |
| 19          | Jharkhand                       | 16,768                | 69.78              | 1,154                 | 7.83             |
| 20          | Odisha                          | 30,119                | 167.37             | 2,238                 | 90.40            |
| 21          | West Bengal                     | 84,142                | 506.31             | 4,565                 | 72.41            |
| 22          | Chhattisgarh                    | 21,119                | 209.54             | 1,394                 | 15.59            |
| 23          | Madhya Pradesh                  | 220,537               | 2,684.29           | 6,393                 | 19.85            |
| 24          | Uttarakhand                     | 49,649                | 386.43             | 513                   | 6.72             |
| 25          | Uttar Pradesh                   | 612,266               | 5,682.47           | 5,455                 | 66.54            |
| 26          | Goa                             | 1,447                 | 28.44              | 545                   | 11.88            |
| 27          | Gujarat                         | 474,965               | 6,301.03           | 9,280                 | 290.74           |
| 28          | Maharashtra                     | 104,948               | 1,572.64           | 6,547                 | 62.06            |
| 29          | Dadra &nagar haveli &daman &diu | 110                   | 1.19               | 560                   | 25.04            |
| 30          | Andhra pradesh                  | 182,591               | 2,121.47           | 14,399                | 2,647.84         |
| 31          | Telangana                       | 11,752                | 259.16             | 1,679                 | 16.50            |
| 32          | Karnataka                       | 220,805               | 1,769.08           | 5,819                 | 77.41            |
| 33          | Kerala                          | 87,642                | 1,093.07           | 10,950                | 217.20           |
| 34          | Puducherry                      | 5,969                 | 74.13              | 3,272                 | 55.64            |
| 35          | Tamilnadu                       | 713,732               | 9,255.47           | 39,714                | 739.16           |
| 36          | Lakshadweep                     | 664                   | 5.78               | 1,000                 | 10.65            |
| Grand Total |                                 | 4,703,323             | 52,108.68          | 128,089               | 4,552.44         |

Source: RBI & NABARD