Lok Sabha Question No. 2924 (UNSTARRED), answered on 2026-03-10
Subject: Agricultural Household’s Average Income from Cultivation
Ministry: AGRICULTURE AND FARMERS WELFARE
Asked by: Ms. S Jothimani

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

## LOK SABHA UNSTARRED QUESTION NO. 2924

TO BE ANSWERED ON THE 10 th  MARCH, 2026

## AGRICULTURAL HOUSEHOLD's AVERAGE INCOME FROM CULTIVATION

## 2924. MS. S JOTHIMANI:

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

- (a) the details of the average agricultural household's income from cultivation over the past five years, State-wise;
- (b) the steps being taken by the  Government to increase the share of income from cultivation for agricultural households;
- (c) the average debt burden of agricultural households concerning their monthly gross income during the past five years, State-wise;
- (d) the total amount of institutional credit disbursed to agricultural households during the past five years; and
- (e) the steps being taken to ensure more farmers have access to affordable credit?

## ANSWER

MINISTER OF STATE FOR AGRICULTURE AND FARMERS WELFARE क ृ िष एवं िकसान कʞाण राǛ मंũी (SHRI BHAGIRATH CHOUDHARY)

(a)  to  (c) : The average monthly income and the average amount of outstanding loan per agricultural  household  in  rural  areas  of  the  country  are  periodically  estimated  through  the 'Situation Assessment Survey (SAS) of Agricultural Households', conducted by the National Statistics Office (NSO), Ministry of Statistics and Programme Implementation (MoSPI).

As per the latest NSS 77th round of the Survey (January, 2019 - December, 2019) in the rural areas of the country, the average monthly income per agricultural household from various sources including cultivation during agricultural year July, 2018- June, 2019 is given at Annexure I , and the average amount of outstanding loan per agricultural household during the same period is given at Annexure II. Since the last survey was conducted in 2019, the extent of average monthly income and amount of outstanding loan per agricultural households for the last five years is not available.

Agriculture being a State Subject, the State Government take appropriate measures for development of agriculture and welfare of farmers in the States. However, Government of India is  committed  to  enhance  farmers  welfare  and  making  agriculture  more  remunerative.  The Government of India supplements the efforts of States through appropriate policy measures, reforms, developmental programs, budgetary support, price support through MSP and various schemes/ programmes from time to time. To ensure farmers welfare and to increase their income  across  the  country,  several  Central  Sector  and  Centrally  Sponsored  Schemes  are being implemented by Department of Agriculture & Farmers Welfare (DA&FW), as given in the Annexure III .

(d) & (e): As reported by the Reserve Bank of India (RBI), the details of 'Agriculture and Allied Activities - Advances Outstanding' of Scheduled Commercial Banks (SCBs) during the past five years are as under:

| As on      | Agriculture and Allied Activities - Advances Outstanding (₹ in crore)   |
|------------|-------------------------------------------------------------------------|
| 31.03.2021 | 13,84,815                                                               |
| 31.03.2022 | 14,50,214                                                               |
| 31.03.2023 | 18,18,907                                                               |
| 31.03.2024 | 21,69,983                                                               |
| 31.03.2025 | 23,67,024                                                               |

The Government has taken various steps to promote institutional credit among rural households which inter-alia include annual fixing of ground level agriculture credit target to banks, Priority Sector lending targets to banks, access to affordable credit through Kisan Credit Card (KCC)/ Modified Interest Subvention Scheme (MISS) etc. Further, the Government has also implemented structured long-term measures to economically empower farmers. These initiatives include direct cash benefit schemes (PM Kisan), crop insurance (PMFBY), subsidy and grant-based programs (Krishonnati Yojna, RKVY) etc.

To improve credit access over the long term, the government is implementing a 100% centrally funded Central Sector Scheme known as the Modified lnterest Subvention Scheme (MISS) across various States and UTs in pan lndia. 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. Due to KCC-MISS scheme access to easy and affordable credit has increased significantly to farmers to meet their operational needs. Under this scheme, farmers 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.

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ANNEXURE REFFERED  IN REPLY TO PART (a) to (c) OF LOK SABHA UNSTARRED QUESTION NO. 2924 TO BE ANSWERED ON 10.03.2026 REGARDING 'AGRICULTURAL HOUSEHOLD's AVERAGE INCOME FROM CULTIVATION'.

State/UT -wise average monthly income of agricultural household during agricultural year July 2018- June 2019

| Sl. No.   | State/ Group of NE States/ Group of UTs   | Income (Rs.)   |
|-----------|-------------------------------------------|----------------|
| 1         | Andhra Pradesh                            | 10,480         |
| 2         | Arunachal Pradesh                         | 19,225         |
| 3         | Assam                                     | 10,675         |
| 4         | Bihar                                     | 7,542          |
| 5         | Chhattisgarh                              | 9,677          |
| 6         | Gujarat                                   | 12,631         |
| 7         | Haryana                                   | 22,841         |
| 8         | Himachal Pradesh                          | 12,153         |
| 9         | Jammu & Kashmir                           | 18,918         |
| 10        | Jharkhand                                 | 4,895          |
| 11        | Karnataka                                 | 13,441         |
| 12        | Kerala                                    | 17,915         |
| 13        | Madhya Pradesh                            | 8,339          |
| 14        | Maharashtra                               | 11,492         |
| 15        | Manipur                                   | 11,227         |
| 16        | Meghalaya                                 | 29,348         |
| 17        | Mizoram                                   | 17,964         |
| 18        | Nagaland                                  | 9,877          |
| 19        | Odisha                                    | 5,112          |
| 20        | Punjab                                    | 26,701         |
| 21        | Rajasthan                                 | 12,520         |
| 22        | Sikkim                                    | 12,447         |
| 23        | Tamil Nadu                                | 11,924         |
| 24        | Telangana                                 | 9,403          |
| 25        | Tripura                                   | 9,918          |
| 26        | Uttarakhand                               | 13,552         |
| 27        | Uttar Pradesh                             | 8,061          |
| 28        | West Bengal                               | 6,762          |
|           | Group of N E States                       | 16,863         |
|           | Group of UTs                              | 18,511         |
|           | All India                                 | 10,218         |

Source: NSS Report No. 587: Situation Assessment of Agricultural Households and Land and Livestock Holdings of Households in Rural India, 2019.

ANNEXURE REFFERED  IN REPLY TO PART (a) to (c) OF LOK SABHA UNSTARRED QUESTION NO. 2924 TO BE ANSWERED ON 10.03.2026 REGARDING 'AGRICULTURAL HOUSEHOLD's AVERAGE INCOME FROM CULTIVATION'.

| Sl.No.   | State/Group of NE States/ Group of UTs   | Average amount (Rs.) of outstanding loan per agricultural household   |   Percentage of covering agricultural households |
|----------|------------------------------------------|-----------------------------------------------------------------------|--------------------------------------------------|
| 1        | Andhra Pradesh                           | 2,45,554                                                              |                                             93.2 |
| 2        | Arunachal Pradesh                        | 3,581                                                                 |                                             12.5 |
| 3        | Assam                                    | 16,407                                                                |                                             31   |
| 4        | Bihar                                    | 23,534                                                                |                                             39.7 |
| 5        | Chhattisgarh                             | 21,443                                                                |                                             31.2 |
| 6        | Gujarat                                  | 56,568                                                                |                                             42.5 |
| 7        | Haryana                                  | 1,82,922                                                              |                                             47.5 |
| 8        | Himachal Pradesh                         | 85,825                                                                |                                             29.2 |
| 9        | Jammu & Kashmir                          | 30,435                                                                |                                             31.9 |
| 10       | Jharkhand                                | 8,415                                                                 |                                             25.3 |
| 11       | Karnataka                                | 1,26,240                                                              |                                             67.6 |
| 12       | Kerala                                   | 2,42,482                                                              |                                             69.9 |
| 13       | Madhya Pradesh                           | 74,420                                                                |                                             48.4 |
| 14       | Maharashtra                              | 82,085                                                                |                                             54   |
| 15       | Manipur                                  | 5,551                                                                 |                                             20.6 |
| 16       | Meghalaya                                | 2,237                                                                 |                                              9.1 |
| 17       | Mizoram                                  | 23,485                                                                |                                              8   |
| 18       | Nagaland                                 | 1,750                                                                 |                                              6   |
| 19       | Odisha                                   | 32,721                                                                |                                             61.2 |
| 20       | Punjab                                   | 2,03,249                                                              |                                             54.4 |
| 21       | Rajasthan                                | 1,13,865                                                              |                                             60.3 |
| 22       | Sikkim                                   | 32,185                                                                |                                             10.6 |
| 23       | Tamil Nadu                               | 1,06,553                                                              |                                             65.1 |
| 24       | Telangana                                | 1,52,113                                                              |                                             91.7 |
| 25       | Tripura                                  | 23,944                                                                |                                             47.7 |
| 26       | Uttarakhand                              | 48,338                                                                |                                             46.6 |
| 27       | Uttar Pradesh                            | 51,107                                                                |                                             41.9 |
| 28       | West Bengal                              | 26,452                                                                |                                             50.8 |
|          | Group of N E States                      | 10,034                                                                |                                             19.2 |
|          | Group of UTs                             | 25,629                                                                |                                             27.5 |
|          | All India                                | 74,121                                                                |                                             50.2 |

Source: NSS Report No. 587: Situation Assessment of Agricultural Households and Land and Livestock

## Annexure III

## ANNEXURE REFFERED  IN REPLY TO PART (a) to (c) OF LOK SABHA UNSTARRED QUESTION NO. 2924 TO BE ANSWERED ON 10.03.2026 REGARDING 'AGRICULTURAL HOUSEHOLD's AVERAGE INCOME FROM CULTIVATION'.

Major schemes/programmes for agriculture and farmers welfare:

1. National Food Security and Nutrition Mission (NFSNM)
2. National Mission on Edible Oils (NMEO)-Oil Palm
3. National Mission on Edible Oils (NMEO)-Oilseeds
4. National Mission on Natural Farming (NMNF)
5. Paramparagat Krishi Vikas Yojana (PKVY)
6. Soil Health & Fertility (SH&F)
7. Rainfed Area Development (RAD)
8. Agroforestry
9. Crop Diversification Programme (CDP)
10. Sub-Mission on Agriculture Extension (SMAE)
11. Sub-Mission on Seed and Planting Material (SMSP)
12. Mission for Integrated Development of Horticulture (MIDH)
13. National Bamboo Mission
14. National Bee Keeping and Honey Mission (NBHM)
15. Mission Organic Value Chain Development for North Eastern Region
16. Per Drop More Crop (PDMC)
17. Integrated Scheme for Agriculture Marketing (ISAM)
18. Pradhan Mantri Kisan Samman Nidhi (PM-KISAN)
19. Pradhan Mantri Kisan Maan Dhan Yojana (PM-KMY)
20. Pradhan Mantri Fasal Bima Yojana (PMFBY)/ Restructured Weather Based Crop

Insurance Scheme (RWBCIS)

21. Pradhan Mantri Annadata Aay SanraksHan Abhiyan (PM-AASHA)
22. Modified Interest Subvention Scheme (MISS)
23. Agriculture Infrastructure Fund (AIF)
24. Formation and Promotion of 10,000 new Farmer Producers Organizations (FPOs)
25. Namo Drone Didi
26. Agri Fund for Start-Ups & Rural Enterprises (AgriSURE)
27. Sub-Mission on Agriculture Mechanization (SMAM)
28. Digital Agriculture Mission
29. Pradhan Mantri Dhan Dhanya Krishi Yojana
30. Mission for Atmanirbharta in Pulses

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