Lok Sabha Question No. 654 (UNSTARRED), answered on 2026-02-03
Subject: Credit Support to Farmers to acquire Long-term Agricultural Assets
Ministry: AGRICULTURE AND FARMERS WELFARE
Asked by: Shri Lavu Sri Krishna Devarayalu

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

## LOK SABHA UNSTARRED QUESTION No. 654

TO BE ANSWERED ON THE 03 RD  FEBRUARY, 2026

## CREDIT SUPPORT TO FARMERS TO ACQUIRE LONG-TERM AGRICULTURAL ASSETS

654. Shri Lavu Sri Krishna Devarayalu:

Will the Minister of AGRICULTURE AND FARMERS WELFARE क ृ िष एवं िकसान कʞाण मंũी be pleased to state :

- (a) whether the Government provides credit support to farmers for the creation or acquisition of long-term  agricultural  assets  such  as  farm  machinery,  irrigation  structures  and  post-harvest infrastructure;
- (b) if so, the number of beneficiaries supported under such schemes during the last three years, year-wise and State-wise specifically district-wise for Andhra Pradesh;
- (c) the total quantum of credit disbursed for long-term agricultural investments under Governmentsupported credit schemes during the last three years, year-wise and State-wise;
- (d) whether the Government has undertaken any assessment of the gaps or challenges faced by farmers,  particularly  small,  marginal  and  tenant  farmers,  in  accessing  credit  for  long-term agricultural infrastructure; and
- (e) if so, the details of such findings and the measures taken to enhance credit access for these categories of farmers?

## ANSWER

## MINISTER OF STATE FOR AGRICULTURE AND FARMERS WELFARE क ृ िष एवं िकसान कʞाण राǛ मंũी (SHRI RAMNATH THAKUR)

- (a) to (c) : The Government of India provides credit support under the Agriculture Infrastructure Fund (AIF) through 3% per annum interest subvention. Credit guarantee coverage for loans up to ₹ 2 crore is also supported under Credit Guarantee Fund Trust for Micro and Small Enterprises (CGTMSE) and NABSanrakshan. This support is available to eligible beneficiaries viz. farmers, Farmer  Producers  Organizations  (FPOs),  Cooperatives,  Primary  Agricultural  Credit  Societies (PACS),  Self  Help  Groups  (SHGs),  agri-entrepreneurs  start-ups  etc  for  creating  post-harvest infrastructure, irrigation structures and farming assets such as custom hiring centers, warehouses, silos,  cold  storages,  pack-houses,  sorting  and  grading  units,  assaying  facilities,  solar  pumps, primary processing centers, and logistics/supply-chain infrastructure etc. The details of beneficiaries and credit disbursed under AIF over the last three years, year-wise and state-wise, along with district-wise data for beneficiaries in Andhra Pradesh are at Annexure .

(d) & (e): AIF has been designed to facilitate access to medium/long term institutional credit to wide  categories  of  beneficiaries  including  small,  marginal  and  tenant  farmers.  There  is  no minimum cap on  the  loan  amount  enabling  financing  of  small  and  need-based  infrastructure assets, which are suitable for small and marginal farmers. Further, no collateral of land is required for  loans  up  to  ₹2  crore,  which  significantly  benefits  tenant  farmers  and  sharecroppers. Government has undertaken a third-party Impact Assessment study which was conducted by Indian Institute of Management (IIM), Ahmedabad to evaluate access to credit, performance of assets and overall outcomes under the scheme. The major findings of the assessment report are as follows:(i) AIF has emerged as a strong platform for accelerating agri-infrastructure development across states. Beneficiaries reported better price realisation driven by mechanisation. (ii) Effective engagement with state departments, district agencies, and financial institutions has ensured broad reach and steady expansion of assets. (iii) Lending institutions report excellent portfolio performance with NPAs below 3%, and over 97% of supported projects operational, indicating high execution efficiency. (iv) AIF generates substantial rural employment. Each unit generates 8-9 direct and 4 indirect jobs, with 12-15% female participation, supporting mid-scale agri-entrepreneurs and promoting inclusive growth. (v) Investments in storage, cold chains, processing units and custom hiring centres have improved operational efficiency and   enhanced price realisation (vi)  AIF  has  strengthened  enterprise  credibility,  skills,  and  local  recognition,  fostering  agri- entrepreneurship, reducing youth migration, and indirectly enhancing climate resilience through modern infrastructure like cold storage, polyhouses, and hydroponics.

****

The details of beneficiaries and credit disbursed under AIF over the last three years, year-wise and statewise along with district-wise data for beneficiaries in Andhra Pradesh

| Year wise- State wise Beneficiary and credit disbursed (Am Rs in Crore)   | Year wise- State wise Beneficiary and credit disbursed (Am Rs in Crore)   | Year wise- State wise Beneficiary and credit disbursed (Am Rs in Crore)   | Year wise- State wise Beneficiary and credit disbursed (Am Rs in Crore)   | Year wise- State wise Beneficiary and credit disbursed (Am Rs in Crore)   | Year wise- State wise Beneficiary and credit disbursed (Am Rs in Crore)   | Year wise- State wise Beneficiary and credit disbursed (Am Rs in Crore)   | Year wise- State wise Beneficiary and credit disbursed (Am Rs in Crore)   | Year wise- State wise Beneficiary and credit disbursed (Am Rs in Crore)   | Year wise- State wise Beneficiary and credit disbursed (Am Rs in Crore)   |
|---------------------------------------------------------------------------|---------------------------------------------------------------------------|---------------------------------------------------------------------------|---------------------------------------------------------------------------|---------------------------------------------------------------------------|---------------------------------------------------------------------------|---------------------------------------------------------------------------|---------------------------------------------------------------------------|---------------------------------------------------------------------------|---------------------------------------------------------------------------|
| Sr No.                                                                    | State and UT                                                              | 2022-23                                                                   | 2022-23                                                                   | 2023-24                                                                   | 2023-24                                                                   | 2024-25                                                                   | 2024-25                                                                   | Total                                                                     | Total                                                                     |
|                                                                           |                                                                           | Beneficiary Count                                                         | Am.                                                                       | Beneficiary Count                                                         | Am.                                                                       | Beneficiary Count                                                         | Am.                                                                       | Beneficiary Count                                                         | Am.                                                                       |
| 1                                                                         | ANDHRA PRADESH                                                            | 396                                                                       | 310.42                                                                    | 357                                                                       | 309.55                                                                    | 1362                                                                      | 355.31                                                                    | 2115                                                                      | 975.28                                                                    |
| 2                                                                         | ARUNACHAL PRADESH                                                         | 1                                                                         | 1.51                                                                      | 2                                                                         | 0.92                                                                      | -                                                                         | 0.00                                                                      | 3                                                                         | 2.44                                                                      |
| 3                                                                         | ASSAM                                                                     | 157                                                                       | 205.48                                                                    | 194                                                                       | 245.75                                                                    | 140                                                                       | 136.06                                                                    | 491                                                                       | 587.28                                                                    |
| 4                                                                         | BIHAR                                                                     | 435                                                                       | 233.45                                                                    | 409                                                                       | 330.63                                                                    | 752                                                                       | 393.27                                                                    | 1596                                                                      | 957.35                                                                    |
| 5                                                                         | CHANDIGARH                                                                | 1                                                                         | -                                                                         | 2                                                                         | 1.77                                                                      | 1016                                                                      | 613.39                                                                    | 1019                                                                      | 615.17                                                                    |
| 6                                                                         | CHHATTISGARH                                                              | 325                                                                       | 345.12                                                                    | 513                                                                       | 436.15                                                                    | 1016                                                                      | 613.39                                                                    | 1854                                                                      | 1394.67                                                                   |
| 7                                                                         | DELHI                                                                     | 1                                                                         | 0.31                                                                      | 4                                                                         | 6.43                                                                      | 3                                                                         | 7.75                                                                      | 8                                                                         | 14.49                                                                     |
| 8                                                                         | GOA                                                                       | 5                                                                         | 1.77                                                                      | 9                                                                         | 3.21                                                                      | 11                                                                        | 22.23                                                                     | 25                                                                        | 27.21                                                                     |
| 9                                                                         | GUJARAT                                                                   | 762                                                                       | 662.09                                                                    | 1023                                                                      | 718.88                                                                    | 1498                                                                      | 1270.47                                                                   | 3283                                                                      | 2651.44                                                                   |
| 10                                                                        | HARYANA                                                                   | 570                                                                       | 664.32                                                                    | 2061                                                                      | 868.31                                                                    | 3243                                                                      | 1069.16                                                                   | 5874                                                                      | 2601.79                                                                   |
| 11                                                                        | HIMACHAL PRADESH                                                          | 149                                                                       | 37.42                                                                     | 189                                                                       | 51.10                                                                     | 258                                                                       | 62.46                                                                     | 596                                                                       | 150.98                                                                    |
| 12                                                                        | JAMMU AND KASHMIR                                                         | 31                                                                        | 32.65                                                                     | 52                                                                        | 107.01                                                                    | 128                                                                       | 179.36                                                                    | 211                                                                       | 319.02                                                                    |
| 13                                                                        | JHARKHAND                                                                 | 90                                                                        | 58.10                                                                     | 112                                                                       | 105.62                                                                    | 194                                                                       | 125.07                                                                    | 396                                                                       | 288.79                                                                    |
| 14                                                                        | KARNATAKA                                                                 | 882                                                                       | 814.85                                                                    | 993                                                                       | 864.32                                                                    | 1176                                                                      | 1039.64                                                                   | 3051                                                                      | 2718.80                                                                   |
| 15                                                                        | KERALA                                                                    | 687                                                                       | 240.01                                                                    | 954                                                                       | 236.31                                                                    | 1508                                                                      | 299.93                                                                    | 3149                                                                      | 776.26                                                                    |
| 16                                                                        | MADHYA PRADESH                                                            | 2602                                                                      | 1815.98                                                                   | 2864                                                                      | 1402.50                                                                   | 4935                                                                      | 1856.66                                                                   | 10401                                                                     | 5075.14                                                                   |
| 17                                                                        | MAHARASHTRA                                                               | 2502                                                                      | 1407.00                                                                   | 3729                                                                      | 1578.54                                                                   | 3683                                                                      | 1944.41                                                                   | 9914                                                                      | 4929.94                                                                   |
| 18                                                                        | MANIPUR                                                                   | 1                                                                         | 0.10                                                                      | 1                                                                         | 0.19                                                                      | -                                                                         | 0.00                                                                      | 2                                                                         | 0.29                                                                      |
| 19                                                                        | MEGHALAYA                                                                 | 2                                                                         | 6.92                                                                      | -                                                                         | 0.00                                                                      | 1                                                                         | -                                                                         | 3                                                                         | 6.92                                                                      |
| 20                                                                        | NAGALAND                                                                  | 1                                                                         | 1.78                                                                      | 2                                                                         | 1.75                                                                      | -                                                                         | 0.00                                                                      | 3                                                                         | 3.53                                                                      |
| 21                                                                        | ODISHA                                                                    | 303                                                                       | 205.94                                                                    | 965                                                                       | 476.95                                                                    | 1382                                                                      | 607.40                                                                    | 2650                                                                      | 1290.29                                                                   |
| 22                                                                        | PUDUCHERRY                                                                | 1                                                                         | 0.75                                                                      | 1                                                                         | 1.10                                                                      | 4                                                                         | 1.23                                                                      | 6                                                                         | 3.08                                                                      |
| 23                                                                        | PUNJAB                                                                    | 2223                                                                      | 619.91                                                                    | 9755                                                                      | 2150.73                                                                   | 10188                                                                     | 1970.66                                                                   | 22166                                                                     | 4741.30                                                                   |
| 24                                                                        | RAJASTHAN                                                                 | 536                                                                       | 539.34                                                                    | 1036                                                                      | 697.25                                                                    | 1240                                                                      | 506.11                                                                    | 2812                                                                      | 1742.70                                                                   |
| 25                                                                        | TAMIL NADU                                                                | 2660                                                                      | 669.61                                                                    | 1811                                                                      | 551.85                                                                    | 1185                                                                      | 746.97                                                                    | 5656                                                                      | 1968.43                                                                   |
| 26                                                                        | TELANGANA                                                                 | 636                                                                       | 662.38                                                                    | 670                                                                       | 716.27                                                                    | 936                                                                       | 702.69                                                                    | 2242                                                                      | 2081.35                                                                   |
| 27                                                                        | THE DADRA AND NAGAR HAVELI AND DAMAN AND DIU                              | 1                                                                         | 1.00                                                                      | -                                                                         | 0.00                                                                      | -                                                                         | 0.00                                                                      | 1                                                                         | 1.00                                                                      |
| 28                                                                        | TRIPURA                                                                   | 2                                                                         | 2.18                                                                      | 3                                                                         | 6.40                                                                      | 5                                                                         | 0.59                                                                      | 10                                                                        | 9.17                                                                      |
| 29                                                                        | UTTAR PRADESH                                                             | 1054                                                                      | 941.01                                                                    | 2503                                                                      | 1517.59                                                                   | 5093                                                                      | 2068.61                                                                   | 8650                                                                      | 4527.22                                                                   |
| 30                                                                        | UTTARAKHAND                                                               | 103                                                                       | 109.95                                                                    | 183                                                                       | 126.53                                                                    | 205                                                                       | 178.13                                                                    | 491                                                                       | 414.61                                                                    |
| 31                                                                        | WEST BENGAL                                                               | 757                                                                       | 457.56                                                                    | 1697                                                                      | 537.66                                                                    | 2642                                                                      | 648.84                                                                    | 5096                                                                      | 1644.06                                                                   |
|                                                                           | Total                                                                     | 17876                                                                     | 11048.94                                                                  | 32094                                                                     | 14051.28                                                                  | 43804                                                                     | 17419.78                                                                  | 93774                                                                     | 42519.99                                                                  |

| Year wise District wise Beneficiary counts of Andhra Pradesh District   | Year wise District wise Beneficiary counts of Andhra Pradesh District   | Year wise District wise Beneficiary counts of Andhra Pradesh District   | Year wise District wise Beneficiary counts of Andhra Pradesh District   | Year wise District wise Beneficiary counts of Andhra Pradesh District   | Year wise District wise Beneficiary counts of Andhra Pradesh District   |
|-------------------------------------------------------------------------|-------------------------------------------------------------------------|-------------------------------------------------------------------------|-------------------------------------------------------------------------|-------------------------------------------------------------------------|-------------------------------------------------------------------------|
| Sr No.                                                                  | Districts                                                               | 2022-23                                                                 | 2023- 24                                                                | 2024- 25                                                                | Total                                                                   |
| 1                                                                       | Alluri Sitharama Raju                                                   | 3                                                                       |                                                                         | 5                                                                       | 8                                                                       |
| 2                                                                       | Anakapalli                                                              | 6                                                                       | 7                                                                       | 40                                                                      | 53                                                                      |
| 3                                                                       | Ananthapuramu                                                           | 19                                                                      | 18                                                                      | 66                                                                      | 103                                                                     |
| 4                                                                       | Annamayya                                                               | 3                                                                       | 1                                                                       | 2                                                                       | 6                                                                       |
| 5                                                                       | Bapatla                                                                 | 17                                                                      | 17                                                                      | 36                                                                      | 70                                                                      |
| 6                                                                       | Chittoor                                                                | 12                                                                      | 5                                                                       | 11                                                                      | 28                                                                      |
| 7                                                                       | Dr. B.R. Ambedkar Konaseema                                             | 12                                                                      | 5                                                                       | 34                                                                      | 51                                                                      |
| 8                                                                       | East Godavari                                                           | 18                                                                      | 23                                                                      | 124                                                                     | 165                                                                     |
| 9                                                                       | Eluru                                                                   | 13                                                                      | 10                                                                      | 69                                                                      | 92                                                                      |
| 10                                                                      | Guntur                                                                  | 28                                                                      | 14                                                                      | 28                                                                      | 70                                                                      |
| 11                                                                      | Kakinada                                                                | 9                                                                       | 10                                                                      | 61                                                                      | 80                                                                      |
| 12                                                                      | Krishna                                                                 | 4                                                                       | 20                                                                      | 85                                                                      | 109                                                                     |
| 13                                                                      | Kurnool                                                                 | 11                                                                      | 9                                                                       | 66                                                                      | 86                                                                      |
| 14                                                                      | Nandyal                                                                 | 36                                                                      | 31                                                                      | 132                                                                     | 199                                                                     |
| 15                                                                      | Ntr                                                                     | 5                                                                       | 10                                                                      | 71                                                                      | 86                                                                      |
| 16                                                                      | Palnadu                                                                 | 15                                                                      | 20                                                                      | 41                                                                      | 76                                                                      |
| 17                                                                      | Parvathipuram Manyam                                                    | 17                                                                      | 28                                                                      | 31                                                                      | 76                                                                      |
| 18                                                                      | Prakasam                                                                | 15                                                                      | 9                                                                       | 20                                                                      | 44                                                                      |
| 19                                                                      | Sri Potti Sriramulu Nellore                                             | 34                                                                      | 12                                                                      | 55                                                                      | 101                                                                     |
| 20                                                                      | Sri Sathya Sai                                                          | 7                                                                       | 4                                                                       | 23                                                                      | 34                                                                      |
| 21                                                                      | Srikakulam                                                              | 37                                                                      | 43                                                                      | 86                                                                      | 166                                                                     |
| 22                                                                      | Tirupati                                                                | 10                                                                      | 10                                                                      | 25                                                                      | 45                                                                      |
| 23                                                                      | Visakhapatnam                                                           | 5                                                                       | 9                                                                       | 13                                                                      | 27                                                                      |
| 24                                                                      | Vizianagaram                                                            | 34                                                                      | 19                                                                      | 115                                                                     | 168                                                                     |
| 25                                                                      | West Godavari                                                           | 18                                                                      | 12                                                                      | 91                                                                      | 121                                                                     |
| 26                                                                      | Y.S.R.                                                                  | 8                                                                       | 11                                                                      | 32                                                                      | 51                                                                      |
| Total                                                                   | Total                                                                   | 396                                                                     | 357                                                                     | 1362                                                                    | 2115                                                                    |

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