Lok Sabha Question No. 1805 (UNSTARRED), answered on 2026-02-10
Subject: Impact of the Kisan Credit Card
Ministry: AGRICULTURE AND FARMERS WELFARE
Asked by: Shri Bhaskar Murlidhar Bhagare

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

## LOK SABHA UNSTARRED QUESTION No. 1805

TO BE ANSWERED ON 10 TH  FEBRUARY, 2026

## IMPACT OF THE KISAN CREDIT CARD

1805. SHRI BHASKAR MURLIDHAR BHAGARE: Will  the  Minister  of  AGRICULTURE AND FARMERS WELFARE कृ ͪष  एवं  ͩकसान कãयाण मंğी be pleased to state: (a) whether the Government has reviewed the implementation and impact of the Kisan Credit  Card  (KCC)  scheme  in  the  tribal  and  Scheduled  Areas  of  Maharashtra; (b)  if  so,  the  number  of  KCC  accounts  opened  in  tribal  districts  of  Maharashtra, disaggregated by marginal and small farmers district-wise; (c) whether enrolment of tribal farmers and women cultivators remains low in these districts due to documentation hurdles, bank outreach gaps and limited awareness and if so, the details of special drives undertaken and their outcomes; (d) whether data is maintained on interest subvention availed by tribal KCC holders and if so, the details thereof;

(e)  whether  lack  of  financial  literacy  has  affected  credit  utilisation  and  repayment among  tribal  farmers  and  the  details  of  awareness  programmes  conducted;  and (f) whether any impact study has assessed KCC's effect on productivity and incomes in tribal areas and if so, the findings thereof?

## ANSWER

## THE MINISTER OF STATE FOR AGRICULTURE AND FARMERS WELFARE कृ ͪष एवं ͩकसान कãयाण राÏय मंğी (SHRI RAMNATH THAKUR)

(a):  The  Institute  for  Social  and  Economic  Change (ISEC), Bengaluru has recently conducted Third Party Evaluation Studies of Modified Interest  Subvention Scheme (MISS) which also include partial evaluation of KCC scheme implicitly. The sample survey were conducted in Solapur, Sindhudurg and Jalagaon districts of Maharastra. No separate study in tribal and scheduled areas were conducted.

- (b):    The  number  of  KCC  accounts  opened  in  tribal districts  of  Maharashtra  as  on 31.12.2025  is  given  in  the  following  table.  As  confirmed  from  DFS,  data  showing number of KCC accounts of Small and Marginal Farmers (SMF) are not maintained separately.

(No. in Actual and

Amount in Rs. Crore)

|   Sl. No. | Name of District   |   Total number of KCC as on 31.12.2025 |   Total Outstanding amount in KCC |
|-----------|--------------------|----------------------------------------|-----------------------------------|
|         1 | AMRAVATI           |                                 209165 |                           2947.27 |
|         2 | BHANDARA           |                                 105014 |                            927.01 |
|         3 | CHANDRAPUR         |                                 117541 |                           1251.57 |
|         4 | DHULE              |                                 105378 |                           1472.67 |
|         5 | GADCHIROLI         |                                  49850 |                            322.6  |
|         6 | GONDIA             |                                 126105 |                            845.21 |
|         7 | JALGAON            |                                 274360 |                           2759.91 |
|         8 | NANDURBAR          |                                  59501 |                            945.65 |
|         9 | NASHIK             |                                 146799 |                           4293.05 |
|        10 | PALGHAR            |                                  43959 |                            402.85 |
|        11 | THANE              |                                  50025 |                            403.64 |
|        12 | YAVATMAL           |                                 354998 |                           4948    |

Source: DFS

- (c) & (e): The Government has been taking multiple initiatives to make the short-term credit accessible to all farmers including farmers engaged in Animal Husbandry and Fisheries  through  regular  IEC  campaigns  organized  by  banks,  State  Government/ Central Government, RBI, NABARD, etc, besides, technology intervention like Kisan Rin Portal (KRP). These campaigns are used to issue or renew Kisan Credit Cards. Besides  this,  Viksit  Bharat  Sankalp  Yatra  (VBSY)  &  Particularly  Vulnerable  Tribal Group (PVTG) camps were organized to boost the KCC enrolment.
- (d):  Data  of  interest  subvention  being  paid  to  KCC  accounts  of  ST  farmers  are maintained on Kisan Rin Portal. As on date, there are 128633 operative KCC accounts in FY 2024-25 belonging to Scheduled Tribe population in Maharashtra which received MISS benefits.
- (f):  No separate study to assess KCC's effect on productivity and income in Tribal areas have been conducted. However, the major findings of Third Party Evaluation Studies of MISS report prepared by ISEC, Bengaluru are as under:
- i. Every ₹1 invested under KCC-MISS contributes ₹2.30 to net value addition in the agriculture and allied sector;
- ii. The MISS has played a crucial role in reducing the interest burden on farmers with an estimated subsidy outlay of ₹1.87 lakh crore since inception till 202425;
- iii. The  scheme  has  positively  impacted  cropping  intensity  and  multi-season cultivation, with KCC-MISS farmers cultivating larger areas, achieving higher cropping  intensity,  and  adopting  more  diversified  crop  portfolios  across seasons, supported by reliable irrigation and concessional credit;
- iv.  It has improved the timeliness of input use through access to adequate working capital, and beneficiaries receiving Prompt Repayment Incentive (PRI) have demonstrated better credit discipline, thereby enhancing banks' confidence for further lending;
- v. The  scheme  has  supported  dairy  and  livestock  expansion  and  promoted income diversification by supplementing crop income, reducing dependence on seasonal agriculture, and integrating livestock and fisheries farming with crop production. It has also supported Working Capital Requirements (WCR) for inland fisheries, which is significant for diversification in the North-Eastern Region.

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