Lok Sabha Question No. 3685 (UNSTARRED), answered on 2026-03-16
Subject: Kisan Credit Cards in Tamil Nadu
Ministry: FINANCE
Asked by: Shri Tharaniventhan M S

## GOVERNMENT OF INDIA MINISTRY OF FINANCE DEPARTMENT OF FINANCIAL SERVICES

## LOK SABHA UNSTARRED QUESTION NO. 3685

ANWERED ON MONDAY, MARCH 16, 2026/ PHALGUNA 25, 1947 (SAKA)

## Kisan Credit Cards in Tamil Nadu

## 3685. SHRI THARANIVENTHAN M S:

Will the Minister of FINANCE be pleased to state:

(a) the total number of Kisan Credit Cards (KCCs) issued since 2014, year-wise and State-wise, with specific data for Tamil Nadu;

(b) whether the Government has taken any steps to ensure that small and marginal farmers, tenant farmers and women farmers have easy access to KCCs and if so, the details thereof;

(c) the number of applications for KCCs rejected or pending,  along with the reasons for such rejections, State-wise, especially in Tamil Nadu;

(d) whether there is any proposal to expand the scope of KCCs to include allied sectors such as fisheries, animal husbandry, and sericulture, if so, the details thereof along with the status of implementation in Tamil Nadu; and

(e) the steps being taken by the Government to reduce delays in disbursement, ensure fair interest rates and prevent debt burden on small farmers under the KCC scheme?

## ANSWER

## THE MINISTER OF STATE IN THE MINISTRY OF FINANCE (SHRI PANKAJ CHAUDHARY)

(a) to (c) The year-wise details of total Operative Kisan Credit Cards (KCC) Accounts since 2014 is provided at Annexure-I . Further,  since  Financial Year 2020-21, the  year-wise and State/UT-wise details of number of Operative Kisan Credit Cards, including the State of Tamil Nadu is provided at Annexure-II. The detailed initiatives of Government to ensure easy access to KCC by small and marginal farmers, tenant farmers and women farmers are at AnnexureIII. The data of rejected KCC applications is not centrally maintained.

(d)  Since  February  2019,  KCC  scheme  has  also  been  extended  to  cover  working  capital requirement of Animal Husbandry, Dairying and Fisheries (AHDF). As reported by Reserve Bank of India (RBI) and National Bank for Agriculture and Rural Development (NABARD), as on 31.12.2025, the total number of Operative KCC-AHDF Accounts across the country was 42,65,030 and the total amount outstanding was Rs 53,119 crore. Further, as on 31.12.2025, the total number of Operative KCC-AHDF Accounts in the State of Tamil Nadu was 6,48,241 and the total amount outstanding thereon was Rs 7,548 crore.

(e)  The Government of India's Modified Interest Subvention Scheme (MISS) offers shortterm agricultural loans to farmers at a concessional interest rate of 7% through Kisan Credit Cards (KCC), with banks receiving a 1.5% interest subvention. Farmers who repay promptly receive an additional 3% incentive, effectively reducing their interest rate to just 4%. Further, the Government has taken various steps to improve efficiency in disbursement of KCC loans and administration of Interest Subvention and Prompt Repayment Incentive available under Modified Interest Subvention Scheme for loans taken through KCC, which inter-alia include:

- Kisan Rin Portal (KRP) has been launched in September 2023, enabling Aadhaar-based beneficiary verification and faster digital claim settlements under the Modified Interest Subvention Scheme (MISS) for loans availed through KCC.
- The  Jan  Samarth  portal  has  been  started  as  a  one-stop  digital  platform  for  linking Government-sponsored loans and subsidies Schemes. It provides a quick and efficient way  to  apply  for  loans  and  obtain  approvals  based  on  a  digital  evaluation  of  the applicant's data.

*****

## Annexure referred to in part (a) to (c) of Lok Sabha Un-Starred Question no. 3685 on 'Kisan Credit Cards in Tamil Nadu' answered on 16.03.2026

Year-wise details of total no. of Operative KCC Accounts since 2014

(Number of Accounts in Actual)

| As on 31 st March of the Financial Year   | No. of Operative KCC Accounts   |
|-------------------------------------------|---------------------------------|
| 2013-14                                   | 7,00,62,527                     |
| 2014-15                                   | 7,36,00,059                     |
| 2015-16                                   | 7,52,70,009                     |
| 2016-17                                   | 7,15,22,312                     |
| 2017-18                                   | 6,92,09,336                     |
| 2018-19                                   | 6,62,99,599                     |
| 2019-20                                   | 6,52,80,254                     |
| 2020-21                                   | 7,37,45,010                     |
| 2021-22                                   | 7,14,90,107                     |
| 2022-23                                   | 7,34,69,021                     |
| 2023-24                                   | 7,75,04,234                     |
| 2024-25                                   | 7,72,10,538                     |
| 2025-26*                                  | 7,54,82,009                     |

Source: RBI and NABARD

*: Provisional data as on 31 December 2025

Annexure-II Annexure referred to in part (a) to (c) of Lok Sabha Un-Starred Question no. 3685 on 'Kisan Credit

## Cards in Tamil Nadu' to be answered on 16.03.2026

Year-wise and State/UT-wise details of number of Operative KCC accounts since Financial Year 2020-21 (Number of Accounts in Actual)

| Sl. No   | State/UT          | 2020-21     | 2021-22     | 2022-23     | 2023-24     | 2024-25     | 2025-26*    |
|----------|-------------------|-------------|-------------|-------------|-------------|-------------|-------------|
| 1        | A &NISLAND        | 7,868       | 9,389       | 9,056       | 8,324       | 8,368       | 8,980       |
| 2        | ANDHRA PRADESH    | 46,05,047   | 45,69,808   | 45,51,558   | 48,53,487   | 47,33,502   | 46,50,958   |
| 3        | ARUNACHAL PRADESH | 8,601       | 9,880       | 10,100      | 18,388      | 22,484      | 23,713      |
| 4        | ASSAM             | 7,36,919    | 6,58,281    | 6,46,919    | 6,70,832    | 5,53,146    | 4,98,108    |
| 5        | BIHAR             | 27,71,102   | 26,56,796   | 25,76,527   | 28,80,585   | 28,20,890   | 22,59,036   |
| 6        | CHANDIGARH        | 70,857      | 1,393       | 1,475       | 1,582       | 1,010       | 739         |
| 7        | CHHATTISGARH      | 17,66,266   | 17,82,290   | 19,17,435   | 21,45,836   | 19,08,855   | 19,73,475   |
| 8        | DNHDD             | 489         | 1,417       | 1,581       | 1,543       | 1,447       | 1,202       |
| 9        | GOA               | 14,015      | 8,347       | 9,458       | 11,649      | 11,903      | 9,540       |
| 10       | GUJARAT           | 28,92,516   | 28,78,852   | 30,18,544   | 31,37,242   | 32,24,658   | 32,56,598   |
| 11       | HARYANA           | 22,63,947   | 22,53,483   | 22,86,953   | 23,61,829   | 24,00,489   | 23,51,039   |
| 12       | HIMACHAL PRADESH  | 3,92,245    | 4,23,843    | 4,60,441    | 5,02,861    | 5,10,282    | 5,24,328    |
| 13       | JAMMU &KASHMIR    | 10,08,862   | 9,33,555    | 9,10,514    | 10,66,887   | 11,13,136   | 11,16,132   |
| 14       | JHARKHAND         | 9,25,401    | 9,21,919    | 9,67,591    | 9,95,531    | 9,68,619    | 9,16,330    |
| 15       | KARNATAKA         | 48,23,251   | 47,35,000   | 47,21,067   | 54,98,818   | 53,76,105   | 57,81,201   |
| 16       | KERALA            | 18,62,579   | 19,29,232   | 25,94,466   | 26,58,063   | 24,11,756   | 22,76,340   |
| 17       | LADAKH            | 5,818       | 1,89,654    | 28,072      | 28,228      | 28,134      | 28,041      |
| 18       | LAKSHADWEEP       | 331         | 24,685      | 1,770       | 2,555       | 3,110       | 3,375       |
| 19       | MADHYAPRADESH     | 62,74,836   | 60,68,304   | 62,68,740   | 65,00,382   | 65,17,376   | 64,17,424   |
| 20       | MAHARASHTRA       | 68,67,895   | 69,10,764   | 71,77,298   | 72,17,854   | 70,31,265   | 68,05,090   |
| 21       | MANIPUR           | 18,464      | 17,806      | 19,693      | 19,699      | 18,309      | 17,917      |
| 22       | MEGHALAYA         | 61,618      | 66,190      | 71,677      | 77,422      | 85,889      | 91,643      |
| 23       | MIZORAM           | 24,442      | 27,182      | 35,093      | 51,561      | 42,682      | 37,367      |
| 24       | NAGALAND          | 27,531      | 26,259      | 30,070      | 32,072      | 36,510      | 40,167      |
| 25       | NCT OF DELHI      | 3,974       | 3,188       | 2,861       | 2,761       | 2,614       | 2,147       |
| 26       | ODISHA            | 43,37,869   | 39,98,082   | 39,71,032   | 44,65,567   | 42,79,001   | 42,07,594   |
| 27       | PUDUCHERRY        | 17,015      | 17,797      | 13,413      | 20,366      | 19,361      | 13,744      |
| 28       | PUNJAB            | 22,44,289   | 21,67,026   | 21,98,101   | 22,34,658   | 21,67,523   | 21,31,833   |
| 29       | RAJASTHAN         | 66,15,298   | 62,29,619   | 65,40,646   | 68,45,762   | 71,27,313   | 71,36,374   |
| 30       | SIKKIM            | 7,043       | 6,555       | 8,702       | 10,115      | 10,995      | 9,957       |
| 31       | TAMIL NADU        | 29,73,041   | 30,53,109   | 35,80,708   | 40,31,906   | 40,38,150   | 37,72,068   |
| 32       | TELANGANA         | 42,59,731   | 42,71,628   | 43,37,476   | 45,08,942   | 45,76,239   | 47,44,737   |
| 33       | TRIPURA           | 2,56,385    | 2,46,320    | 1,55,042    | 1,64,916    | 1,71,181    | 1,64,213    |
| 34       | UTTAR PRADESH     | 64,87,677   | 1,05,32,039 | 1,07,05,196 | 1,09,17,055 | 1,09,56,279 | 1,04,45,486 |
| 35       | UTTARAKHAND       | 53,99,542   | 5,46,806    | 5,08,644    | 5,54,157    | 5,11,706    | 5,02,984    |
| 36       | WEST BENGAL       | 37,12,246   | 33,13,609   | 31,32,363   | 30,04,799   | 35,20,251   | 32,62,129   |
|          | Total             | 7,37,45,010 | 7,14,90,107 | 7,34,70,282 | 7,75,04,234 | 7,72,10,538 | 7,54,82,009 |

Source: RBI and NABARD

*: Provisional data as on 31 December 2025

## Annexure referred to in part (a) to (c) of Lok Sabha Un-Starred Question no. 3685 on 'Kisan Credit Cards in Tamil Nadu' to be answered on 16.03.2026

## Details  of  initiatives  of  the  Government  to  ensure  easy  access  to  KCC  by  small  and marginal farmers, tenant farmers and women farmers are as under:

- Through KCC, adequate and timely credit support is provided to the farmers (individual/joint borrowers who are owner cultivators), tenant farmers, oral lessees, share croppers, Self Help groups or Joint liability groups of farmers including tenant farmers and share croppers etc.
- In terms of extant guidelines on Priority Sector Lending (PSL) issued by RBI, banks are mandated to allocate at least 18% of their Adjusted Net Bank Credit (ANBC) or Credit Equivalent of Off-Balance Sheet Exposures (CEOBSE), whichever is higher, to agriculture, out  of  which  a  sub-target  of  10  percent  is  prescribed  for  Small  and  Marginal  Farmers (SMFs). Further, it also prescribes an incentive framework for districts with comparatively lower flow of credit to priority sector which also include credit to agriculture and Small & Marginal farmers and a dis-incentive framework for districts with comparatively higher flow of priority sector credit.
- In order to discourage distress sale by farmers and to encourage them to store their produce in  warehouses,  the  benefit  of  interest  subvention  under  KCC  is  available  to  small  and marginal farmers for a further period of upto six months post the harvest of the crop against negotiable  warehouse  receipts  on  the  produce  stored  in  warehouses  accredited  with Warehousing Development Regulatory Authority (WDRA), at the same rate as applicable to the crop loan.
- The  limit  for  collateral  free  short-term  agricultural  loans,  including  loans  for  allied activities, has been raised from Rs.1.60 lakh to Rs.2.00 lakh per borrower by RBI w.e.f 01 January 2025. This move enhances credit accessibility, particularly for small and marginal farmers  (over  86%  of  the  sector),  who  benefit  from  reduced  borrowing  costs  and  the removal of collateral requirements.
- In  order  to  bring  awareness  about  the  benefits  of  the  KCC  scheme  among  farmers, Union/State  Governments,  RBI,  NABARD  and  Banks  conduct  various  awareness programmes and IEC (Information, Education and Communication) campaigns.  Further, Government of India launched KCC Saturation Drive under Atma Nirbhar Bharat Abhiyan to provide KCC to all eligible farmers. Further, to expand the benefits of the Kisan Credit Card (KCC) to all eligible farmers engaged in Animal Husbandry, Dairy, and Fisheries (AHDF) nationwide district level weekly camps were also organized.