Lok Sabha Question No. 2500 (UNSTARRED), answered on 2025-08-04
Subject: Kisan Credit Cards and Informal Credit
Ministry: FINANCE
Asked by: Shri Sachithanantham R

## GOVERNMENT OF INDIA MINISTRY OF FINANCE

## DEPARTMENT OF FINANCIAL SERVICES

## LOK SABHA UNSTARRED QUESTION NO. 2500

ANSWERED ON MONDAY, 04 AUGUST 2025/ SRAVANA 13, 1947 (SAKA)

## KISAN CREDIT CARDS AND INFORMAL CREDIT

2500. SHRI SACHITHANANTHAM R : Will the Minister of FINANCE be pleased to state: (a) whether the Government has conducted any study or has any data regarding the penetration of KCC (Kisan Credit Cards) among the farmers and if so, the details thereof; and

(b) the percentage of informal credit in operation among farmers?

## Answer

THE MINISTER OF STATE IN THE MINISTRY OF FINANCE (SHRI PANKAJ CHAUDHARY) (a) Details of operative Kisan Credit Card (KCC) and amount outstanding as on 31.03.2025 in

- each state are at Annexure-I .
- (b)  As per NABARD All India Rural Financial Inclusion Survey (NAFIS) 2021-22 released in October  2024,  23.40%  of  the  agricultural  households  reported  to  have  taken  loan  from  noninstitutional sources in the Agricultural Year 2021-22.

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Annexure-I

## Statement referred to in part (a) of Lok Sabha Un-Starred Question no. 2500 on 'Kisan Credit Cards and Informal Credit' due for answer on 04.08.2025

(Amount in Rs. Cr & number of cards issued in '000)

| SN   | State/UT          | 31 March 2025   | 31 March 2025   |
|------|-------------------|-----------------|-----------------|
|      |                   | No. of KCCs     | Amount O/s      |
| 1    | A &NIsland        | 8               | 24              |
| 2    | Andhra Pradesh    | 4,734           | 68,003          |
| 3    | Arunachal Pradesh | 22              | 254             |
| 4    | Assam             | 553             | 4,931           |
| 5    | Bihar             | 2,821           | 19,369          |
| 6    | Chandigarh        | 1               | 113             |
| 7    | Chhattisgarh      | 1,909           | 15,088          |
| 8    | DNHDD             | 1               | 47              |
| 9    | Delhi             | 3               | 42              |
| 10   | Goa               | 12              | 178             |
| 11   | Gujarat           | 3,225           | 77,441          |
| 12   | Haryana           | 2,400           | 55,411          |
| 13   | Himachal Pradesh  | 510             | 9572            |
| 14   | Jammu &Kashmir    | 1,113           | 7379            |
| 15   | Jharkhand         | 969             | 5668            |
| 16   | Karnataka         | 5,376           | 67,542          |
| 17   | Kerala            | 2,412           | 44,788          |
| 18   | Ladakh            | 28              | 272             |
| 19   | Lakshadweep       | 3               | 28              |
| 20   | Madhya Pradesh    | 6,517           | 88,732          |
| 21   | Maharashtra       | 7,031           | 85,049          |
| 22   | Manipur           | 18              | 161             |
| 23   | Meghalaya         | 86              | 557             |
| 24   | Mizoram           | 43              | 387             |
| 25   | Nagaland          | 37              | 234             |
| 26   | Odisha            | 4,279           | 27,064          |
| 27   | Puducherry        | 19              | 463             |
| 28   | Punjab            | 2,168           | 57,536          |
| 29   | Rajasthan         | 7,127           | 1,12,364        |
| 30   | Sikkim            | 11              | 71              |
| 31   | Tamil Nadu        | 4,038           | 55,121          |
| 32   | Telangana         | 4,576           | 50,594          |
| 33   | Tripura           | 171             | 518             |
| 34   | Uttar Pradesh     | 10,956          | 1,41,375        |
| 35   | Uttarakhand       | 512             | 6,238           |
| 36   | West Bengal       | 3,520           | 17,459          |
|      | TOTAL             | 77,211          | 10,20,072       |

O/s: Outstanding