Lok Sabha Question No. 1368 (UNSTARRED), answered on 2025-02-11
Subject: Kisan Credit Card
Ministry: FISHERIES, ANIMAL HUSBANDRY AND DAIRYING
Asked by: Shri Tharaniventhan M S

## GOVERNMENT OF INDIA MINISTRY OF FISHERIES, ANIMAL HUSBANDRY AND DAIRYING DEPARTMENT OF FISHERIES

## LOK SABHA UNSTARRED QUESTION NO. 1368 TO BE ANSWERED ON 11 TH  February, 2025

## Kisan Credit Card

## 1368.  Shri Tharaniventhan M S:

Will the Minister of FISHERIES, ANIMAL HUSBANDRY AND DAIRYING be pleased to state:

- (a) the features of the Kisan Credit Card (KCC) Scheme;
- (b) the details of the funds sanctioned, allocated and utilized under this scheme in Tamil Nadu during the last three years and the current year;
- (c) the details of the target set and achievements made so far in Tamil Nadu along with its response;
- (d) the criteria fixed for getting Kisan Credit Card within the country; and
- (e) whether the Government is proposing to provide KCC to poor fishermen who are unable to give any collateral, if so, the details thereof?

## ANSWER

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

(a): In the year 2018-19, Government of India extended the facility of the Kisan Credit Card (KCC)  scheme  to  Animal  Husbandry  farmer  and  Fisheries  for  their  working  capital requirements vide, Reserve Bank of India's circular dated 04.02.2019. The credit limit/ loan amount under KCCs is fixed by Banks as per guidelines prescribed in the Master Circular dated July  4,  2018  issued  by  Reserve  Bank  of  India  (RBI).  The  scheme  covers  working capital requirements for activities related to Animal Husbandry and Fisheries such as rearing animals, birds, fish, shrimp, capture fish, post-harvest expenses, produce marketing loan and other aquaculture and for any other state specific fisheries and allied activities.

## I.  Credit Limit

i.The benefits of Interest Subvention (IS) and Prompt Repayment Incentives (PRI) under KCC for Fisheries and Animal Husbandry loan are limited to Rs.2 lakhs only (for Agrifarmers for crop and allied activities, the subsidised loan are Rs.3.00 lakh). In the 202526 budget, the KCC loan limit has been increased up to ₹5.00 lakh under the Modified Interest Subvention Scheme.

## II. Interest Subvention

- i.  KCC  loan  provides  at  the  subsidized  interest  rate  of  7%,  after  giving  an  interest subvention of @ 1.5% to the financial institutions/banks.
- ii. Additional 3% interest subsidies as prompt repayment incentive (PRI) to the KCC loans, thus reducing the effective rate of interest to 4% per annum for loans up to Rs. 2.00 lakh to  the  Animal  Husbandry  farmers  and  Fish  farmers  under  the  'Modified  Interest Subvention Scheme' of M/o Agriculture and Farmers Welfare, GoI.
- iii.  Collateral free loan limit for KCC fisheries is raised from Rs.1.60 lakh to Rs.2.00Lakh from 01.01.2025 (RBI circular dated 06.12.2024).

## III.  Scale of Finance for Animal Husbandry and Fisheries

- i.  The scale of finance will be fixed by the District Level Technical Committee (DLTC) as per the Reserve Bank of India's guidelines based on local cost worked out on the basis of per acre/per unit/per animal/per bird etc.
2. (b): The details of funds sanctioned against the numbers of accounts under the KCC scheme for Animal Husbandry and Fisheries during the last three years and the current year is as under:
3. (c): In order to saturate all eligible Fishers, Fish Farmers, Animal Husbandry and Dairy Farmers with  KCC  facility,  Ministry  of  Fisheries,  Animal  Husbandry  and  Dairying  (M/o  FAH&D)  in association with the Department of Financial Services (DFS), Ministry of Finance and Ministry of Agriculture  and  Farmers  Welfare,  GoI  has  been  organising  the  'Nationwide  AHDF  KCC Campaigns' from time to time and presently, the campaign is ongoing from 15th September 2024 to 31st March 2025.

| SCHEME               | 2021-2022       | 2021-2022   | 2022-2023       | 2022-2023   | 2023-2024       | 2023-2024   | As of 31.12.2024   | As of 31.12.2024   |
|----------------------|-----------------|-------------|-----------------|-------------|-----------------|-------------|--------------------|--------------------|
| SCHEME               | No. of Accounts | Amount (Cr) | No. of Accounts | Amount (Cr) | No. of Accounts | Amount (Cr) | No. of Accounts    | Amount (Cr)        |
| KCC-ANIMAL HUSBANDRY | 123219          | 778.54      | 342901          | 2990.36     | 1079463         | 11083.6     | 943516             | 11101.88           |
| KCC- FISHERIES       | 8543            | 133.67      | 45669           | 414.1       | 93564           | 1296.02     | 83295              | 1198.79            |
| TOTAL                | 131762          | 912.21      | 388570          | 3404.46     | 1173027         | 12379.62    | 1026811            | 12300.67           |

The no. of KCC sanctioned in Tamil Nadu as on 17.01.2025 is as under:

| State        | KCC Animal Husbandry & Dairy   | KCC Fisheries   |
|--------------|--------------------------------|-----------------|
| Targets      | 4,00,000                       | 4,00,000        |
| Achievements | 16,12,124                      | 2,47,205        |

- (d): The eligibility criteria fixed for Kisan Credit Card for Fisheries and Animal Husbandry is given below:

## I.   Inland Fisheries and Aquaculture:

- i.  Fishers, Fish Farmers (individual & groups/ partners/ share croppers/ tenant farmers), Self Help Groups, Joint Liability Groups and women groups.
- ii.  The beneficiaries must own or lease any of the fisheries related assets such as ponds, tanks,  open water bodies, raceways, hatcheries, rearing units, boats, nets and other fishing gear as the case may be and possess necessary authorisation/certification as may be applicable in respective states for fish farming and fishing related activities and for any other state specific fisheries and allied activities.

## II.  Marine Fisheries:

Beneficiaries who own or lease registered fishing vessel/boat, possess necessary fishing license/permission for fishing  in  estuary  and  sea,  fish  farming/mariculture  activities  in estuaries and open sea and any other State specific fisheries and allied activities.

## III.  Poultry and Small Ruminant:

Farmers, poultry farmers either individual or joint borrower, Joint Liability Groups or Self Help Groups including tenant farmer of sheep/ goats/pigs/poultry/birds/rabbit and having owned/rented/leased sheds.

## IV.  Dairy:

Farmers and Dairy farmers either individual or joint borrower, Joint Liability Groups or Self  Help  Groups  including  tenant  farmers  having  owned  /rented/leased  sheds.  For Animal  Husbandry,  it  includes  expenses  related  to  feed,  veterinary  care,  and  other operational costs.

- (e): As per the extant RBI Guidelines dated 06.12.2024, all the Fishers and Fish Farmers and Animal Husbandry Farmers, who meet the eligibility criteria for the KCC facility, can avail loans up to Rs.2.00 lakh without any collateral.

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