Lok Sabha Question No. 4831 (UNSTARRED), answered on 2026-03-23
Subject: Extension of Rupay Kisan Credit Card to Cooperative Societies
Ministry: FINANCE
Asked by: Shri Pradeep Kumar Singh, Smt. Kamaljeet Sehrawat, Shri Lumbaram Choudhary, Smt. Kriti Devi Debbarman, Shri Yogender Chandolia, Shri Anup Sanjay Dhotre, Shri Vishweshwar Hegde Kageri, Shri Krishna Prasad Tenneti, Shri Haribhai Patel, Shri Satish Kumar Gautam, Shri Bharatsinhji Shankarji Dabhi, Shri Praveen Patel, Shri Vishnu Dayal Ram

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

## LOK SABHA UNSTARRED QUESTION NO. 4831

ANSWERED ON MONDAY, 23 MARCH, 2026/ 02 CHAITRA, 1947 (SAKA)

## Extension of Rupay Kisan Credit Card to Cooperative Societies

## 4831. SHRI PRADEEP KUMAR SINGH:

SMT. KAMALJEET SEHRAWAT:

SHRI LUMBARAM CHOUDHARY:

SMT. KRITI DEVI DEBBARMAN:

SHRI YOGENDER CHANDOLIA:

SHRI ANUP SANJAY DHOTRE:

SHRI VISHWESHWAR HEGDE KAGERI:

SHRI KRISHNA PRASAD TENNETI:

SHRI HARIBHAI PATEL:

SHRI SATISH KUMAR GAUTAM:

SHRI BHARATSINHJI SHANKARJI DABHI:

SHRI PRAVEEN PATEL:

SHRI VISHNU DAYAL RAM:

Will the Minister of FINANCE be pleased to state:

- (a)  the  impact  of  the  pilot  project  launched  in  Banaskantha  and  Panchmahal  districts  on expanding the outreach of District Central Cooperative Banks (DCCBs);
- (b)  the  number  of  RuPay  Kisan  Credit  Cards  issued  so  far  under  the  'Cooperation  among Cooperatives' campaign in the country, State-wise details thereof;
- (c) the measures taken by the Government to ensure timely and affordable credit to members of dairy and other cooperative societies through RuPay KCCs;
- (d)  whether  the  Government  proposes  to  extend  Rupay  Kisan  Credit  Card  to  Members  of Cooperative  Societies  beyond  the  States  of  Gujarat  and  Karnataka  to  all  District  Central Cooperative Banks across the country; and
- (e) if so, the timeline thereof?

## ANSWER

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

- (a): As informed by the National Bank for Agriculture and Rural Development (NABARD), a pilot  project  was  launched  in  FY  2024  in  Banaskantha  and  Panchmahal  District  Central Cooperative Banks (DCCBs) of Gujarat to promote routing of all financial transactions of Primary  Dairy  Cooperative  Societies  (PDCS)  and  other  cooperative  bodies  through  the cooperative banking network, to strengthen and make the cooperative sector self-reliant. Under the  said  pilot  project,  PDCS  were  equipped  with  micro-ATMs  and  awareness  was  created through financial literacy camps for undertaking digital transactions.

(b): The State wise details for RuPay Kisan Credit Cards issued by Rural Cooperative Banks, as on 28.02.2026 are given at Annexure.

(c): The Government has taken various measures to ensure timely and affordable credit to dairy and other cooperative societies, which inter-alia include:

i)  KCC  Scheme  along  with  benefits  of  interest  subvention  has  been  extended  to  Animal Husbandry and Fisheries Farmers in FY 2018-19.

ii) The Reserve Bank of India (RBI) has announced that agricultural loans, including loans for allied activities, up to the limit of ₹ 2 lakh can be provided without the need for collateral, w.e.f 01.01.2025

iii) To support payment ecosystem participants in effective service delivery, the Government has implemented the 'Incentive scheme for promotion of RuPay Debit Cards and low-value BHIM-UPI transactions  (P2M) under which incentives are paid by  the  Government to the Acquiring Bank (merchant's bank)

(d)  and  (e):  The  RuPay  KCC  scheme  was  introduced  in  2012  and  the  scheme  is  already applicable to all cooperative banks across the country as per the extant guidelines of the RBI.

*****

Annexure  referred  to  in  part  (b)  of  Lok  Sabha  Un-Starred  Question  No.  4831  on 'Extension of Rupay Kisan Credit Card to Cooperative Societies' due for answer on 23.03.2026

State/UT-wise details of Rupay KCCs issued cumulatively by Rural Cooperative Banks

| State / UT        | No. of Rupay Kisan Credit Cards Issued as on 28.02.2026   |
|-------------------|-----------------------------------------------------------|
| Andhra Pradesh    | 9,54,858                                                  |
| Assam             | 3,113                                                     |
| Bihar             | 27,537                                                    |
| Chhattisgarh      | 2,02,262                                                  |
| Gujarat           | 8,90,128                                                  |
| Haryana           | 35,513                                                    |
| Jammu and Kashmir | 2,838                                                     |
| Jharkhand         | 70                                                        |
| Karnataka         | 16,08,289                                                 |
| Madhya Pradesh    | 74,002                                                    |
| Maharashtra       | 7,28,502                                                  |
| Manipur           | 2,280                                                     |
| Odisha            | 58,717                                                    |
| Puducherry        | 1,813                                                     |
| Punjab            | 20,970                                                    |
| Rajasthan         | 80,686                                                    |
| Tamil Nadu        | 18,04,661                                                 |
| Telangana         | 3,82,753                                                  |
| Uttar Pradesh     | 1,54,124                                                  |
| Uttarakhand       | 72,066                                                    |
| West Bengal       | 1,327                                                     |
| Total             | 71,06,509                                                 |