Lok Sabha Question No. 508 (UNSTARRED), answered on 2016-02-26
Subject: Kisan Credit Cards
Ministry: FINANCE
Asked by: DEVJI MANSINGRAM PATEL

† 508. SHRI DEVJI M. PATEL:

Will the Minister of FINANCE be pleased to state:

- (a) the number of Kisan Credit Cards (KCCs) holders in the country, State/UTwise;
- (b) the details of loan sanctioned/ interest rate charged and the target set and achievements made by the Public Sector Banks (PSBs) in issuing KCCs to the farmers during each of the last three years and the current year, State/UT-wise including Rajasthan;
- (c) whether the Government proposes to relax the rules to facilitate KCCs; and
- (d) if so, the details thereof?

## Government of India Ministry of Finance Department of Financial Services

## LOK SABHA Unstarred Question No. 508†

To be answered onFebruary 26, 2016/Phalguna 7, 1937 (Saka)

## Kisan Credit Cards Question

## The Minister of State in the Ministry of Finance

## Answer (Shri Jayant Sinha)

- (a) & (b): The details of Kisan Credit Cards (KCCs) issued by Commercial Banks in various States including Rajasthan as on 31.12.2015, as reported by Reserve Bank of India(RBI), are given in Annexure-I. The State-wise details of KCCsissued by Cooperative Banks and Regional Rural Banksupto 30.11.2015, as reported by National Bank for Agriculture & Rural Development (NABARD) are given in Annexure-II.

The interest rates on loans have been deregulated by Reserve Bank of India (RBI) and it is now based on the Base Rate fixed by the banks. However, with a view to ensuring availability of agriculture credit at a reasonable cost, the Government provides interest subvention for the short-term crop loans uptoRs. 3 lakhs for a period of one year so that the same is available at the interest rate of 7% per annum and in case of prompt repayment, the same gets reduced to 4%.

Government fixes the target for agriculture credit, which has been surpassed by banks including Public Sector Banks (PSBs) over the years. The details of target and achievement in respect of agricultural loans by Commercial Banks, Cooperative Banks and Regional Rural Banks during the last three years and current year are as follows :-

(Rs. in crore)

| Year    | Target   | Achievement                   |
|---------|----------|-------------------------------|
| 2012-13 | 5,75,000 | 6,07,376                      |
| 2013-14 | 7,00,000 | 7,30,122.62                   |
| 2014-15 | 8,00,000 | 8,45,328.23*                  |
| 2015-16 | 8,50,000 | 5,03,897.90* (upto 30.9.2015) |

(c) & (d): In order to ensure that all eligible farmers are provided with hassle-free and timely credit for their agricultural operations, the Government has introduced the KCC Scheme to enable the farmers to purchase agricultural inputs such as seeds, fertilizers, pesticides, etc. The KCC Scheme has been simplified further w.e.f. 2012, which has the provision of ATM enabled debit card with, inter alia, facilities of one-time documentation, built-in cost escalation in the limit, any number of drawals within the limit, etc

## Annexure-I to USQ 508 for 26.02.2016

## RBI - Statement on Kisan Credit Card Scheme - Commercial Banks

(No. in Actual & Amount in Rupees Lakhs)

## As on December, 2015

|   S.No. | State                |   Cumulative cards issued since inception |   No. Of Operative KCCs |   Amount Outstanding under opertive KCCs (crop loan) |   no. of borrowers with outstanding loans (term loans) |   Amount Outstanding under Term Loans |
|---------|----------------------|-------------------------------------------|-------------------------|------------------------------------------------------|--------------------------------------------------------|---------------------------------------|
|       1 | 2                    |                                         3 |                       4 |                                          5           |                                                      7 |                                  8    |
|       1 | Andamans             |                                      4874 |                     610 |                                        250.3         |                                                     10 |                                 16.66 |
|       2 | Andhra Pradesh       |                                  11803551 |                 1803108 |                                          1.87094e+06 |                                                 110290 |                             173437    |
|       3 | Arunachal Pradesh    |                                     37292 |                   10018 |                                       5613.49        |                                                     12 |                                 16    |
|       4 | Assam                |                                   1083992 |                  566512 |                                     253382           |                                                  54271 |                              35199.2  |
|       5 | Bihar                |                                   3621830 |                 1382874 |                                     864541           |                                                 116932 |                             104461    |
|       6 | Chandigarh           |                                      8606 |                    9128 |                                      42468.8         |                                                    859 |                               5150.21 |
|       7 | Chattisgarh          |                                    491251 |                  198168 |                                     291172           |                                                  19243 |                              36641.6  |
|       8 | Dadra & Nagar Haveli |                                      1621 |                     612 |                                        721.65        |                                                    385 |                                770.06 |
|       9 | Daman & Diu          |                                       530 |                     322 |                                        368.99        |                                                    319 |                                512.38 |
|      10 | Delhi                |                                     19232 |                    4394 |                                      14970.2         |                                                   1858 |                               3839.08 |
|      11 | Goa                  |                                     19721 |                    2936 |                                       3074.57        |                                                   2787 |                               3503.04 |
|      12 | Gujarat              |                                   2199631 |                 1051935 |                                          1.90709e+06 |                                                 183562 |                             366645    |

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| 13    | Haryana          |   1667382 |   586921 |       2020498.99 |   73434 |       162773.57 |
|-------|------------------|-----------|----------|------------------|---------|-----------------|
| 14    | Himachal Pradesh |    398353 |   180144 | 248030           |    4293 |  12934.1        |
| 15    | Jammu & Kashmir  |    459699 |   240353 | 311315           |    6100 |   5869.27       |
| 16    | Jharkhand        |   1410149 |   609865 | 210307           |   66413 |  28211.2        |
| 17    | Karnataka        |   4584248 |   920132 |      1.65806e+06 |  589894 | 852741          |
| 18    | Kerala           |   2308320 |   313373 | 623301           |  192653 | 292809          |
| 19    | Lakshadweep      |      2840 |      597 |    273.07        |       0 |      0          |
| 20    | Madhya Pradesh   |   2928696 |  1505799 |      2.67902e+06 |  134542 | 210324          |
| 21    | Maharashtra      |   6520372 |  2469582 |      2.73533e+06 |  450384 | 683828          |
| 22    | Manipur          |     43974 |    18095 |  10028.5         |    1387 |   1358.55       |
| 23    | Meghalaya        |    124587 |    56538 |  26410.8         |    1249 |    501          |
| 24    | Mizoram          |     33683 |    13239 |   7776.7         |      39 |     84          |
| 25    | Nagaland         |     70013 |    30737 |  13832.8         |      77 |    316.22       |
| 26    | Orissa           |   2577392 |   667008 | 307952           |  163291 | 101238          |
| 27    | Puducherry       |    124077 |     7367 |  10218.5         |    8678 |   7741.19       |
| 28    | Punjab           |   2396465 |   781101 |      3.99113e+06 |  107219 | 230096          |
| 29    | Rajasthan        |   4104328 |  1811574 |      3.67393e+06 |  288599 | 386160          |
| 30    | Sikkim           |     23981 |     7189 |   4654.09        |     665 |    372.47       |
| 31    | Tamil Nadu       |   6713064 |   519467 | 795307           |  315428 | 352718          |
| 32    | Telangana        |   6866624 |  2076621 |      1.31406e+06 |  195711 | 275509          |
| 33    | Tripura          |    446419 |    78493 |  26509.5         |    9143 |   4722          |
| 34    | Uttarakhand      |   1271950 |   218998 | 392334           |    7196 |   8130.26       |
| 35    | Uttar Pradesh    |  10071023 |  3795778 |      4.70193e+06 |  208885 | 264502          |
| 36    | West Bengal      |   5165064 |   993550 | 454936           |   81083 |  76472.4        |
| Total | Total            |  79604834 | 22933138 |      3.14717e+07 | 3396891 |      4.6896e+06 |

Source: RBI

## Annexure-II to USQ 508 for 26.02.2016

State-wise and Agency-wise Operative / Live KCCs and amount outstanding in r/o Cooperative Banks and RRBs - Progress as on 30.11.2015 (Amt outstanding Rs.in crore)

| Sr. No.            |                   | Cooperative Banks   | Cooperative Banks   | Regional Rural Banks   | Regional Rural Banks   | Total        | Total              |
|--------------------|-------------------|---------------------|---------------------|------------------------|------------------------|--------------|--------------------|
| Sr. No.            | State / UT        | Cards issued        | Amt. outstanding    | Cards issued           | Amt. outstanding       | Cards issued | Amount outstanding |
| 1                  | Andhra Pradesh    | 15,62,291           | 6,017.52            | 6,69,019               | 4,597.20               | 22,31,310    | 10,614.72          |
| 2                  | Assam             | 28,214              | 32.91               | 4,19,451               | 1,710.89               | 4,47,665     | 1,743.80           |
| 3                  | Arunachal Pradesh | 450                 | 9.32                | 3,294                  | 8.67                   | 3,744        | 17.99              |
| 4                  | Bihar             | 1,26,104            | 290.08              | 16,64,680              | 6,870.95               | 17,90,784    | 7,161.03           |
| 5                  | Gujarat           | 14,72,523           | 9,407.76            | 2,59,133               | 2,391.29               | 17,31,656    | 11,799.05          |
| 6                  | Goa               | 1,309               | 17.67               | 0                      | 0.00                   | 1,309        | 17.67              |
| 7                  | Haryana           | 13,19,927           | 7,850.47            | 2,11,129               | 4,041.16               | 15,31,056    | 11,891.63          |
| 8 Himachal Pradesh |                   | 96,460              | 958.91              | 37,122                 | 265.09                 | 1,33,582     | 1,224.00           |
| 9 Jammu & Kashmir  |                   | 33,690              | 261.66              | 16,343                 | 99.03                  | 50,033       | 360.69             |
| 10                 | Karnataka         | 24,74,976           | 10,042.55           | 7,75,052               | 7,757.46               | 32,50,028    | 17,800.01          |
| 11                 | Kerala            | 7,73,361            | 2,574.48            | 1,51,986               | 1,112.99               | 9,25,347     | 3,687.47           |
| 12                 | Madhya Pradesh    | 52,11,287           | 14,045.37           | 5,10,826               | 5,706.99               | 57,22,113    | 19,752.36          |
| 13                 | Maharashtra       | 50,45,180           | 8,511.65            | 4,02,421               | 2,617.18               | 54,47,601    | 11,128.83          |

| 14        | Meghalaya    | 25,798    | 27.13     | 16,865    | 70.05     | 42,663    | 97.18     |
|-----------|--------------|-----------|-----------|-----------|-----------|-----------|-----------|
| 15        | Mizoram      | 832       | 6.02      | 16,002    | 65.39     | 16,834    | 71.41     |
| 16        | Manipur      | 484       | 1.90      | 5,826     | 15.24     | 6,310     | 17.14     |
| 17        | Nagaland     | 2,364     | 9.92      | 1,096     | 2.02      | 3,460     | 11.94     |
| 18        | Odisha       | 45,61,439 | 6,811.28  | 2,74,321  | 2,236.64  | 48,35,760 | 9,047.92  |
| 19 Punjab |              | 9,94,595  | 6,198.64  | 1,19,506  | 3,088.11  | 11,14,101 | 9,286.75  |
| 20        | Rajasthan    | 40,29,596 | 11,806.58 | 5,44,382  | 1,600.44  | 45,73,978 | 13,407.02 |
| 21        | Sikkim       | 7,943     | 13.81     | 0         | 0.00      | 7,943     | 13.81     |
| 22        | Tamilnadu    | 14,24,523 | 4,884.92  | 5,63,402  | 1,852.01  | 19,87,925 | 6,736.93  |
| 23        | Tripura      | 53,313    | 44.95     | 1,14,457  | 134.90    | 1,67,770  | 179.85    |
| 24 Uttar  | Pradesh      | 43,36,481 | 5,875.45  | 30,49,121 | 20,904.95 | 73,85,602 | 26,780.40 |
| 25 West   | Bengal       | 19,01,988 | 3,053.52  | 5,88,960  | 2,172.64  | 24,90,948 | 5,226.16  |
| 26 A      | & N Islands  | 6,214     | 9.93      | 0         | 0.00      | 6,214     | 9.93      |
| 27        | New Delhi    | 390       | 5.67      | 0         | 0.00      | 390       | 5.67      |
| 28        | Puducherry   | 5,881     | 14.71     | 1,289     | 8.82      | 7,170     | 23.53     |
| 29        | Jharkhand    | 25,918    | 34.98     | 3,60,517  | 965.90    | 3,86,435  | 1,000.88  |
| 30        | Chhattisgarh | 19,86,950 | 3,156.61  | 2,80,612  | 1,017.68  | 22,67,562 | 4,174.29  |
| 31        | Uttarakhand  | 3,66,982  | 916.47    | 49,523    | 284.53    | 4,16,505  | 1,201.00  |
| 32        | Telangana    | 10,46,279 | 2,570.27  | 10,74,508 | 5,520.20  | 21,20,787 | 8,090.47  |

|                | TOTAL   | 389,23,742   | 1,05,463.11   | 121,80,843   | 77,118.42   | 511,04,585   | 1,82,581.53   |
|----------------|---------|--------------|---------------|--------------|-------------|--------------|---------------|
| Source: NABARD |         |              |               |              |             |              |               |