Lok Sabha Question No. 335 (UNSTARRED), answered on 2025-12-02
Subject: Kisan Credit Cards Issued under MISS
Ministry: AGRICULTURE AND FARMERS WELFARE
Asked by: Shri Kesineni Sivanath

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

## LOK SABHA UNSTARRED QUESTION No. 335

TO BE ANSWERED ON 02 ND  DECEMBER, 2025

## KISAN CREDIT CARDS ISSUED UNDER MISS

335. SHRI KESINENI SIVANATH:

Will the Minister of AGRICULTURE AND FARMERS WELFARE कृ ͪष और ͩकसान कãयाण

मंğी be pleased to state:

(a)  the  details  regarding  the  total  number  of  Kisan  Credit  Cards  (KCCs)  issued  under Modified Interest Subvention Scheme (MISS) in the country till now for Andhra Pradesh for the last three years, State and district-wise; (b)  the  details  of  the  total  number  of  loans  provided  under  Modified  Interest  Subvention Scheme (MISS) through KCCs in the past three years, year-wise, State-wise and districtwise for Andhra Pradesh; (c)  the  details  of  the  total  amount  of  money  given  as  loans  under  Modified  Interest Subvention Scheme (MISS) through KCCs in the past three years, year-wise, State-wise and district-wise for Andhra Pradesh; and (d) the details of the number of farmers who have received Prompt Repayment Incentive (PRI) under the  scheme for timely repayment of the loans in the last three  years,  year- wise, State-wise and district-wise for Andhra Pradesh?

## ANSWER

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

(a)  to  (d):  The  government  is  implementing  a  100%  centrally  funded  Central  Sector Scheme  known  as  the  Modified  Interest  Subvention  Scheme  (MISS)  across  various States  and  UTs  in  pan  India  including  Andhra  Pradesh.  This  scheme  aims  to  provide concessional interest rates on short-term agricultural loans obtained by farmers through

Kisan  Credit  Cards  (KCC)  for  their  working  capital  requirements.  Under  this  scheme, farmers  including  women  farmers  and  tribal  communities  receive  KCC  loans  at  a subsidized  interest  rate  of  7%.  To  facilitate  this,  an  up  front  interest  subvention  (IS)  of 1.5%  is  provided  to  financial  institutions.  Additionally,  farmers  who  repay  their  loans promptly  receive  a  3%  Prompt  Repayment  Incentive  (PRI),  effectively  reducing  the interest rate to 4% per annum. The benefits of IS and PRI are available for loan limits up to Rs.3 lakhs. However, if the short-term loan is taken for allied activities (other than crop husbandry), the loan amount is limited to Rs.2 lakhs only. KCC under the Modified Interest Subvention Scheme (MISS) is a demand-driven Annexure I

initiative, and its benefits are available to all farmers. States- and district-wise (in Andhra Pradesh)  details  of  the  total  number  of  Kisan  Credit  Cards-MISS  issued/  total  accounts receiving  loans,  the  total  amount  of  money  given  as  loans  and  PRI  released  under  the MISS through Kisan Rin Portal (KRP) over the last three years are given in and Annexure II, respectively.

## Statement referred to part (a) to (d) of Lok Sabha Unstarred Question No. 335 on "Kisan Credit Card issued under MISS" due for

Annexure-I answer on 02.12.2025

| State-wise data of KCC under MISS   | State-wise data of KCC under MISS   | State-wise data of KCC under MISS   | State-wise data of KCC under MISS      | State-wise data of KCC under MISS                             | State-wise data of KCC under MISS                         | State-wise data of KCC under MISS   | State-wise data of KCC under MISS      | State-wise data of KCC under MISS                             | State-wise data of KCC under MISS                         | State-wise data of KCC under MISS   | State-wise data of KCC under MISS      | State-wise data of KCC under MISS                             | State-wise data of KCC under MISS                         |
|-------------------------------------|-------------------------------------|-------------------------------------|----------------------------------------|---------------------------------------------------------------|-----------------------------------------------------------|-------------------------------------|----------------------------------------|---------------------------------------------------------------|-----------------------------------------------------------|-------------------------------------|----------------------------------------|---------------------------------------------------------------|-----------------------------------------------------------|
| S. No.                              |                                     | Scheme Year 22-23                   | Scheme Year 22-23                      | Scheme Year 22-23                                             | Scheme Year 22-23                                         | Scheme Year 23-24                   | Scheme Year 23-24                      | Scheme Year 23-24                                             | Scheme Year 23-24                                         | Scheme Year 24-25                   | Scheme Year 24-25                      | Scheme Year 24-25                                             | Scheme Year 24-25                                         |
| S. No.                              | State                               | No. of Operative KCCs (DFS)         | Credit extended as on (DFS) (Rs in Cr) | No. of accounts under MISS receiving loans (KRP) (in actuals) | No. of accounts in which PRI was given (KRP) (in actuals) | No. of Operative KCCs (DFS)         | Credit extended as on (DFS) (Rs in Cr) | No. of accounts under MISS receiving loans (KRP) (in actuals) | No. of accounts in which PRI was given (KRP) (in actuals) | No. of Operative KCCs (DFS)         | Credit extended as on (DFS) (Rs in Cr) | No. of accounts under MISS receiving loans (KRP) (in actuals) | No. of accounts in which PRI was given (KRP) (in actuals) |
| 1                                   | Andaman & Nicobar                   | 9,056                               | 38                                     | 1,197                                                         | 379                                                       | 8,324                               | 23.41                                  | 1,450                                                         | 510                                                       | 8,368                               | 23.60                                  | 705                                                           | 119                                                       |
| 2                                   | Andhra Pradesh                      | 45,51,558                           | 60,883                                 | 35,18,036                                                     | 10,90,948                                                 | 48,53,487                           | 65,454.76                              | 34,96,465                                                     | 16,33,771                                                 | 47,33,502                           | 68,002.71                              | 33,94,992                                                     | 23,70,498                                                 |
| 3                                   | Arunachal Pradesh                   | 10,100                              | 81                                     | 4,434                                                         | 1,640                                                     | 18,388                              | 194.73                                 | 4,957                                                         | 260                                                       | 22,484                              | 253.68                                 | 7,973                                                         | 2,209                                                     |
| 4                                   | Assam                               | 6,46,919                            | 3,895                                  | 1,10,986                                                      | 27,595                                                    | 6,70,832                            | 4,615.97                               | 91,628                                                        | 15,705                                                    | 5,53,146                            | 4,930.82                               | 1,06,428                                                      | 44,042                                                    |
| 5                                   | Bihar                               | 25,76,527                           | 17,388                                 | 4,31,451                                                      | 1,28,367                                                  | 28,80,585                           | 19,151.92                              | 4,70,188                                                      | 1,12,805                                                  | 28,20,939                           | 19,369.37                              | 4,56,447                                                      | 1,41,862                                                  |
| 6                                   | Chandigarh                          | 1,475                               | 99                                     | 307                                                           | 193                                                       | 1,582                               | 125.73                                 | 299                                                           | 84                                                        | 1,010                               | 112.68                                 | 296                                                           | 172                                                       |
| 7                                   | Chattisgarh                         | 19,17,435                           | 10,757                                 | 16,13,319                                                     | 13,89,208                                                 | 21,45,836                           | 10,581.72                              | 17,54,954                                                     | 15,14,880                                                 | 19,08,855                           | 15,088.13                              | 17,82,085                                                     | 15,81,176                                                 |
| 8                                   | Delhi                               | 2,861                               | 45                                     | 1,748                                                         | 466                                                       | 2,761                               | 42.91                                  | 1,504                                                         | 686                                                       | 2,614                               | 41.60                                  | 1,378                                                         | 390                                                       |
| 9                                   | Goa                                 | 9,458                               | 111                                    | 7,687                                                         | 2,461                                                     | 11,649                              | 148.06                                 | 8,043                                                         | 1,335                                                     | 11,918                              | 177.99                                 | 7,707                                                         | 4,179                                                     |
| 10                                  | Gujarat                             | 30,18,544                           | 62,391                                 | 23,44,692                                                     | 13,43,440                                                 | 31,37,242                           | 71,132.16                              | 23,89,510                                                     | 6,93,841                                                  | 32,24,050                           | 77,427.53                              | 24,15,221                                                     | 16,55,380                                                 |
| 11                                  | Haryana                             | 22,86,953                           | 50,045                                 | 15,62,643                                                     | 10,08,910                                                 | 23,61,829                           | 53,999.65                              | 15,17,345                                                     | 9,46,137                                                  | 24,00,489                           | 55,411.02                              | 14,81,559                                                     | 11,77,043                                                 |
| 12                                  | Himachal Pradesh                    | 4,60,441                            | 7,636                                  | 3,84,316                                                      | 2,26,489                                                  | 5,02,861                            | 9,071.72                               | 3,88,832                                                      | 1,59,731                                                  | 5,10,282                            | 9,571.55                               | 4,20,030                                                      | 2,55,018                                                  |
| 13                                  | Jammu & Kashmir                     | 9,10,514                            | 6,363                                  | 5,68,248                                                      | 2,05,644                                                  | 10,66,887                           | 6,973.56                               | 5,74,601                                                      | 1,62,363                                                  | 11,13,136                           | 7,378.74                               | 6,30,063                                                      | 26,823                                                    |
| 14                                  | Jharkhand                           | 9,67,591                            | 5,200                                  | 5,08,690                                                      | 51,022                                                    | 9,95,531                            | 5,559.96                               | 4,50,444                                                      | 53,172                                                    | 9,68,619                            | 5,667.58                               | 4,32,951                                                      | 1,15,120                                                  |

|   15 | Karnataka                          | 47,21,067        | 54,181     | 37,64,939   | 27,43,946   | 54,98,818   | 62,794.38   | 39,76,330   | 6,67,266   | 53,76,056   | 67,542.32   | 40,63,992   | 36,02,149   |
|------|------------------------------------|------------------|------------|-------------|-------------|-------------|-------------|-------------|------------|-------------|-------------|-------------|-------------|
|   16 | Kerala                             | 25,94,466 43,401 | 19,23,824  | 8,83,669    |             | 26,58,063   | 49,952.20   | 24,50,508   | 10,27,316  | 24,11,756   | 44,787.86   | 20,31,929   | 17,18,740   |
|   17 | Ladakh                             | 28,072           | 258 18,018 | 6,232       | 28,228      |             | 268.43      | 17,977      | 5,713      | 28,170      | 272.77      | 18,474      | 842         |
|   18 | Lakshadweep                        | 1,770            | 15 756     | 191         |             | 2,555       | 22.47       | 1,294       | 706        | 3,110       | 28.42       | 2,175       | 1,824       |
|   19 | Madhya Pradesh                     | 62,68,740        | 78,136     | 35,90,335   | 21,18,445   | 65,00,382   | 84,523.43   | 36,87,921   | 17,45,765  | 65,17,376   | 88,732.28   | 26,35,875   | 18,96,067   |
|   20 | Maharashtra                        | 71,77,298        | 70,354     | 51,45,546   | 26,31,164   | 72,17,854   | 78,018.14   | 50,24,081   | 22,02,579  | 70,31,236   | 85,046.19   | 32,40,936   | 19,45,963   |
|   21 | Manipur                            | 19,693           | 165        | 8,135       | 2,386       | 19,699      | 158.55      | 7,401       | 960        | 18,309      | 161.37      | 6,658       | 2,052       |
|   22 | Meghalaya                          | 71,677           | 360        | 16,076      | 2,852       | 77,422      | 467.47      | 18,255      | 167        | 85,889      | 557.00      | 32,286      | 10,810      |
|   23 | Mizoram                            | 35,093           | 315        | 18,981      | 2,107       | 51,561      | 518.33      | 19,222      | 223        | 42,696      | 387.00      | 26,993      | 2,912       |
|   24 | Nagaland                           | 30,070           | 179        | 22,263      | 6,382       | 32,072      | 191.77      | 20,191      | 1,463      | 36,510      | 234.46      | 24,790      | 14,312      |
|   25 | Odisha                             | 39,71,032        | 21,744     | 26,02,502   | 18,99,459   | 44,65,567   | 29,097.39   | 26,41,286   | 15,30,469  | 42,79,001   | 27,064.30   | 26,44,701   | 19,63,259   |
|   26 | Puducherry                         | 13,413           | 276        | 8,494       | 2,740       | 20,366      | 391.76      | 28,499      | 4,789      | 19,361      | 462.85      | 14,143      | 12,987      |
|   27 | Punjab                             | 21,98,101        | 55,428     | 16,38,390   | 12,01,091   | 22,34,658   | 57,830.26   | 16,40,200   | 9,07,061   | 21,67,523   | 57,536.13   | 13,96,237   | 6,40,535    |
|   28 | Rajasthan                          | 65,40,646        | 99,551     | 55,55,348   | 37,80,123   | 68,45,762   | 1,08,973.48 | 58,92,590   | 36,78,793  | 71,27,277   | 1,12,362.83 | 58,38,870   | 42,71,894   |
|   29 | Sikkim                             | 8,702            | 56         | 4,826       | 460         | 10,115      | 61.59       | 5,391       | 941        | 10,995      | 70.57       | 4,898       | 2,101       |
|   30 | Tamil Nadu                         | 35,80,708        | 42,143     | 27,24,914   | 17,79,187   | 40,31,906   | 52,112.22   | 31,60,194   | 7,54,139   | 40,38,150   | 55,120.96   | 30,62,638   | 24,05,274   |
|   31 | Telangana                          | 43,37,476        | 44,405     | 24,60,500   | 4,08,791    | 45,08,942   | 47,786.40   | 29,34,766   | 10,40,143  | 45,76,239   | 50,594.27   | 29,63,725   | 13,61,020   |
|   32 | Dadra & Nagar Haveli & Daman & Diu | 1,581            | 40         | 650         | 66          | 1,543       | 40.41       | 710         | 148        | 1,447       | 47.13       | 600         | 183         |
|   33 | Tripura                            | 1,55,042         | 507        | 33,931      | 4,864       | 1,64,916    | 522.40      | 22,108      | 4,237      | 1,71,181    | 518.16      | 20,727      | 9,409       |
|   34 | Uttar Pradesh                      | 1,07,05,196      | 1,28,123   | 56,63,565   | 20,68,300   | 1,09,17,055 | 1,38,621.03 | 55,06,886   | 14,56,128  | 1,09,56,279 | 1,41,374.75 | 48,93,012   | 15,29,171   |
|   35 | Uttarakhand                        | 5,08,644         | 6,365      | 2,89,880    | 1,59,740    | 5,54,157    | 6,479.26    | 2,79,856    | 1,23,468   | 5,11,706    | 6,237.53    | 2,67,422    | 1,71,144    |
|   36 | West Bengal                        | 31,32,363        | 14,531     | 19,38,625   | 10,06,324   | 30,04,799   | 15,85,628   | 18,47,134   | 8,68,669   | 35,20,859   | 17,459.00   | 18,21,205   | 11,79,010   |

## Source: 1. Kisan Rin Portal (KRP), DA&FW; as reported by banks on 07.10.2025 for respective Scheme Years (SY) on KRP, Partial data for 22-23 & 24-25.

2. DFS (Operative KCC & Credit extended)

Annexure-II Statement referred to part (a) to (d) of Lok Sabha Unstarred Question No. 335 on "Kisan Credit Card issued under MISS" due for answer on 02.12.2025

| S. No.   |                           | Scheme Year 22-23                                       | Scheme Year 22-23                                   | Scheme Year 23-24                                       | Scheme Year 23-24                                   | Scheme Year 24-25                                       | Scheme Year 24-25                                   |
|----------|---------------------------|---------------------------------------------------------|-----------------------------------------------------|---------------------------------------------------------|-----------------------------------------------------|---------------------------------------------------------|-----------------------------------------------------|
| S. No.   | District                  | No. of accounts under MISS receiving loans (in actuals) | No. of accounts in which PRI was given (in actuals) | No. of accounts under MISS receiving loans (in actuals) | No. of accounts in which PRI was given (in actuals) | No. of accounts under MISS receiving loans (in actuals) | No. of accounts in which PRI was given (in actuals) |
| 1        | Alluri Sitharama Raju     | 8,965                                                   | 582                                                 | 9,461                                                   | 661                                                 | 8,951                                                   | 1,168                                               |
| 2        | Anakapalli                | 30,402                                                  | 11,161                                              | 29,919                                                  | 4,279                                               | 29,164                                                  | 13,602                                              |
| 3        | Anantapur                 | 4,72,895                                                | 87,312                                              | 5,78,323                                                | 3,69,894                                            | 5,71,977                                                | 4,45,324                                            |
| 4        | Annamayya                 | 10,758                                                  | 1,245                                               | 13,023                                                  | 5,099                                               | 12,437                                                  | 7,041                                               |
| 5        | Bapatla                   | 49,356                                                  | 9,809                                               | 51,253                                                  | 20,822                                              | 51,284                                                  | 29,079                                              |
| 6        | Chittoor                  | 3,00,177                                                | 72,919                                              | 2,07,388                                                | 1,15,666                                            | 1,86,231                                                | 1,21,032                                            |
| 7        | Dr.B.R.Ambedkar Konaseema | 9,841                                                   | 1,342                                               | 10,053                                                  | 5,347                                               | 9,829                                                   | 5,885                                               |
| 8        | East Godavari             | 2,18,240                                                | 1,21,040                                            | 2,05,926                                                | 42,951                                              | 1,99,782                                                | 1,50,812                                            |
| 9        | Eluru                     | 72,972                                                  | 30,404                                              | 75,981                                                  | 22,657                                              | 73,553                                                  | 46,311                                              |
| 10       | Guntur                    | 1,49,902                                                | 57,866                                              | 1,37,184                                                | 49,274                                              | 1,39,930                                                | 97,550                                              |
| 11       | Kakinada                  | 19,956                                                  | 4,278                                               | 21,866                                                  | 8,691                                               | 22,130                                                  | 13,911                                              |
| 12       | Krishna                   | 2,11,811                                                | 1,22,045                                            | 2,21,962                                                | 50,576                                              | 2,16,092                                                | 1,70,744                                            |
| 13       | Kurnool                   | 4,53,415                                                | 86,454                                              | 3,71,229                                                | 1,94,964                                            | 3,43,100                                                | 2,23,451                                            |
| 14       | Nandyal                   | 60,197                                                  | 23,687                                              | 57,508                                                  | 35,300                                              | 56,179                                                  | 42,019                                              |
| 15       | NTR                       | 8,181                                                   | 3,277                                               | 8,528                                                   | 1,134                                               | 9,453                                                   | 5,745                                               |
| 16       | Palnadu                   | 1,25,178                                                | 18,864                                              | 1,33,319                                                | 70,922                                              | 1,35,700                                                | 93,202                                              |
| 17       | Parvathipuram Manyam      | 20,502                                                  | 1,516                                               | 21,357                                                  | 9,388                                               | 18,469                                                  | 11,103                                              |
| 18       | Prakasam                  | 2,38,133                                                | 58,883                                              | 2,69,480                                                | 1,60,465                                            | 2,70,436                                                | 1,86,330                                            |

|   19 | Spsr Nellore                | 5,662    | 2,048   | 6,928    | 2,330    | 7,598    | 4,436    |
|------|-----------------------------|----------|---------|----------|----------|----------|----------|
|   20 | Sri Potti Sriramulu Nellore | 1,16,099 | 24,390  | 1,28,701 | 65,288   | 1,27,665 | 72,218   |
|   21 | Sri Sathya Sai              | 46,522   | 23,757  | 47,548   | 383      | 45,081   | 18,634   |
|   22 | Srikakulam                  | 2,49,159 | 96,012  | 2,52,546 | 1,60,899 | 2,41,233 | 1,77,880 |
|   23 | Tirupati                    | 24,021   | 2,893   | 25,018   | 8,011    | 24,132   | 10,905   |
|   24 | Visakhapatnam               | 91,339   | 41,885  | 90,536   | 23,432   | 91,511   | 60,802   |
|   25 | Vizianagaram                | 1,20,692 | 33,551  | 1,16,722 | 50,078   | 1,13,557 | 69,304   |
|   26 | West Godavari               | 1,38,839 | 81,938  | 1,42,839 | 31,768   | 1,32,117 | 1,02,078 |
|   27 | Y.S.R.                      | 2,64,822 | 71,795  | 2,61,867 | 1,23,496 | 2,57,401 | 1,89,932 |

## Source: Kisan Rin Portal (KRP), DA&FW; as reported by banks on 07.10.2025 for respective Scheme Years (SY) on KRP Partial Data for SY 2022-23 & 2024-25 Note: As per DFS reply: District wise Operative KCCs data is not available.

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