Lok Sabha Question No. 1003 (UNSTARRED), answered on 2015-12-04
Subject: Kisan Credit Card
Ministry: FINANCE
Asked by: HARISH CHANDRA MEENA

1003. SHRI HARISH MEENA:

Will the Minister of FINANCE be pleased to state:

- (a) the steps taken by the Government to provide Kisan Credit Card (KCC) to farmers;
- beneficiaries of KCC, State-wise;
- (b) the details of the agencies involved in this process along with the number of
- (c) whether the Government has noticed any irregularities in distribution of KCC;
- (e) the measures taken by the Government to check such irregularities in near future?

## Answer

## The Minister of State in the Ministry of Finance (Shri Jayant Sinha)

- (a): In order to ensure that all eligible farmers are provided with hassle-free and timely credit for their agricultural operations, the Government had introduced the Kisan Credit Card (KCC) Scheme w.e.f. August, 1998 in order to enable the farmers to purchase agricultural inputs such as seeds, fertilizers, pesticides, etc. The KCC Scheme has since been simplified 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. All the banks have been advised to implement the scheme.
- (b): The State-wise details of KCCs issued by commercial banks, along with number of borrowers, as on 31.3.2015, are given in Annexure-I . The details of KCCs issued by Cooperative Banks and Regional Rural Banks (RRBs), as on 30.9.2015, are given in Annexure-II .
- (c) to (e): If any complaint against any bank regarding violation of KCC guidelines issued by Reserve Bank of India is received, the matter is immediately taken up by Government/RBI with the concerned bank for remedial action

***************

- (d) if so, the details thereof; and

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

Lok Sabha

To be answered on  December 4, 2015/Agrahayana 13, 1937 (Saka) Kisan Credit Card

Unstarred Question No. 1003

## Question

Annexure-

| I                                                           | I                                                           | I                                                           | I                                                           | I                                              | I                                              | I                                              | I                                              |
|-------------------------------------------------------------|-------------------------------------------------------------|-------------------------------------------------------------|-------------------------------------------------------------|------------------------------------------------|------------------------------------------------|------------------------------------------------|------------------------------------------------|
| Agriculture Loan Outstanding - Commercial Banks - Bank-wise | Agriculture Loan Outstanding - Commercial Banks - Bank-wise | Agriculture Loan Outstanding - Commercial Banks - Bank-wise | Agriculture Loan Outstanding - Commercial Banks - Bank-wise | (No. of A/c in actual and amount in Rs.crores) | (No. of A/c in actual and amount in Rs.crores) | (No. of A/c in actual and amount in Rs.crores) | (No. of A/c in actual and amount in Rs.crores) |
|                                                             |                                                             | Agriculture (Total Priority Sector)                         | Agriculture (Total Priority Sector)                         | Agriculture (Total Priority Sector)            | Agriculture (Total Priority Sector)            | Agriculture (Total Priority Sector)            | Agriculture (Total Priority Sector)            |
|                                                             |                                                             | 2013                                                        | 2013                                                        | 2014                                           | 2014                                           | 2015                                           | 2015                                           |
| Bank Group                                                  | Bank Name                                                   | No. Of A/Cs (Outstandi ng )                                 | Amount O/S (Outstandi ng )                                  | No. Of A/Cs (Outstand ing )                    | Amount O/S (Outstandin g )                     | No. Of A/Cs (Outstan ding )                    | Amount O/S (Outstandin g )                     |
| SBI and its Associates                                      | State Bank of Bikaner & Jaipur                              | 758867                                                      | 9187.85                                                     | 783694                                         | 10961.81                                       | 788416                                         | 11910.39                                       |
|                                                             | State Bank of Hyderabad                                     | 1462860                                                     | 14510.56                                                    | 1551897                                        | 16905.63                                       | 1589379                                        | 19044.23                                       |
|                                                             | State Bank of India                                         | 11523843                                                    | 124834.34                                                   | 11356931                                       | 154715.00                                      | 11275217                                       | 128428.01                                      |
|                                                             | State Bank of Mysore                                        | 414418                                                      | 6324.62                                                     | 449456                                         | 7462.97                                        | 517127                                         | 10642.77                                       |
|                                                             | State Bank of Patiala                                       | 350588                                                      | 8672.78                                                     | 421534                                         | 13199.32                                       | 411701                                         | 13732.42                                       |
|                                                             | State Bank of Travancore                                    | 1047811                                                     | 10323.61                                                    | 1290986                                        | 13164.70                                       | 1298766                                        | 11975.09                                       |
| Nationalised Banks                                          | Allahabad Bank                                              | 1362947                                                     | 17688.20                                                    | 1486409                                        | 21922.43                                       | 1557005                                        | 24679.42                                       |
|                                                             | Andhra Bank                                                 | 1707867                                                     | 16450.57                                                    | 2008730                                        | 20894.02                                       | 1852055                                        | 19892.22                                       |
|                                                             | Bank of Baroda                                              | 1666083                                                     | 27663.11                                                    | 1768198                                        | 31672.36                                       | 1939542                                        | 37403.29                                       |
|                                                             | Bank of India                                               | 2408652                                                     | 27041.56                                                    | 2807134                                        | 40210.34                                       | 2959275                                        | 43182.12                                       |
|                                                             | Bank of Maharashtra                                         | 507825                                                      | 7972.50                                                     | 767504                                         | 10276.07                                       | 677351                                         | 12079.59                                       |
|                                                             | Bhartiya Mahila Bank                                        |                                                             | 0.00                                                        |                                                | 0.00                                           | 122                                            | 27.05                                          |
|                                                             | Canara Bank                                                 | 4034953                                                     | 40786.85                                                    | 4851701                                        | 48797.09                                       | 5300725                                        | 58867.46                                       |
|                                                             | Central Bank of India                                       | 2001170                                                     | 24657.57                                                    | 2259182                                        | 35386.24                                       | 2476556                                        | 35956.91                                       |
|                                                             | Corporation Bank                                            | 514592                                                      | 9465.82                                                     | 700229                                         | 15582.00                                       | 829860                                         | 19675.11                                       |
|                                                             | Dena Bank                                                   | 396661                                                      | 6718.81                                                     | 485514                                         | 10799.80                                       | 537996                                         | 12311.78                                       |
|                                                             | IDBI Bank Ltd.                                              | 170983                                                      | 8170.69                                                     | 149480                                         | 26734.22                                       | 536728                                         | 35834.51                                       |
|                                                             | Indian Bank                                                 | 1967096                                                     | 17000.53                                                    | 2269164                                        | 19232.10                                       | 2676540                                        | 20738.83                                       |
|                                                             | Indian Overseas Bank                                        | 2230487                                                     | 23392.80                                                    | 2449081                                        | 26990.09                                       | 2674220                                        | 29236.27                                       |
|                                                             | Oriental Bank of Commerce                                   | 591530                                                      | 17881.41                                                    | 601578                                         | 17691.51                                       | 608737                                         | 22541.44                                       |
|                                                             | Punjab and Sind                                             | 174400                                                      | 5228.04                                                     | 194186                                         | 7898.68                                        | 211886                                         | 6791.60                                        |

|                               | Bank                          |          |           |           |           |         |           |
|-------------------------------|-------------------------------|----------|-----------|-----------|-----------|---------|-----------|
|                               | Punjab National Bank          | 3007600  | 38055.45  | 3336655   | 56045.37  | 3640771 | 60006.56  |
|                               | Syndicate Bank                | 1660221  | 20155.88  | 1841826   | 22110.73  | 2047827 | 26205.38  |
|                               | UCO Bank                      | 1124107  | 12625.15  | 1209932   | 18141.58  | 1152436 | 19686.97  |
|                               | Union Bank of India           | 1476741  | 20223.70  | 1814898   | 32921.60  | 2166422 | 39312.45  |
|                               | United Bank of India          | 867420   | 9569.40   | 912052    | 12297.45  | 872275  | 11441.29  |
|                               | Vijaya Bank                   | 517448   | 7098.89   | 567916    | 10527.41  | 631947  | 11973.90  |
| Private Sector Banks          | Axis Bank                     | 470374   | 14098.77  | 323324    | 24330.92  | 417630  | 30328.86  |
|                               | Catholic Syrian Bank          | 53044    | 497.87    | 49915     | 428.25    | 113691  | 844.58    |
|                               | City Union Bank               | 340932   | 2397.84   | 391921    | 3102.55   | 391016  | 3009.82   |
|                               | Development Credit Bank       | 20004    | 580.90    | 10675     | 1108.53   | 20001   | 1534.64   |
|                               | Dhanlaxmi Bank                | 138557   | 1404.13   | 102212    | 1677.03   | 93191   | 1595.34   |
|                               | Federal Bank                  | 272490   | 4699.94   | 321568    | 8054.36   | 419923  | 9535.74   |
|                               | HDFC Bank                     | 913490   | 29168.92  | 988215    | 44597.73  | 1170896 | 53314.78  |
|                               | ICICI Bank                    | 1061924  | 19186.21  | 1233667   | 40552.95  | 1510120 | 49755.32  |
|                               | Indusind Bank                 | 584366   | 4347.50   | 777991    | 6647.37   | 1044523 | 7984.73   |
|                               | ING Vysya Bank                | 68135    | 3524.30   | 43550     | 7077.52   | 39764   | 8134.22   |
|                               | Jammu & Kashmir Bank          | 288039   | 3736.39   | 359083    | 6525.14   | 375559  | 7452.75   |
|                               | Karnataka Bank                | 264548   | 3903.35   | 305811    | 6185.53   | 301134  | 5919.52   |
|                               | Karur Vysya Bank              | 598985   | 5194.32   | 676659    | 6264.60   | 674879  | 6477.81   |
|                               | Kotak Mahindra Bank           | 143693   | 6175.77   | 171522    | 8002.35   | 499877  | 9919.84   |
|                               | Lakshmi Vilas Bank            | 252362   | 2286.35   | 278337    | 2462.00   | 284165  | 2412.56   |
|                               | Nainital Bank                 | 10757    | 366.15    | 12479     | 406.50    | 13214   | 464.22    |
|                               | Ratnakar Bank                 | 276134   | 826.46    | 330014    | 1364.95   | 410103  | 1985.28   |
|                               | South Indian Bank             | 163028   | 2259.37   | 234175    | 4556.59   | 286289  | 6281.80   |
|                               | Tamilnad Mercantile Bank      | 417563   | 2902.08   | 445195    | 3103.91   | 356894  | 2107.68   |
|                               | Yes Bank                      | 416893   | 5976.49   | 1162259   | 10539.05  | 1847164 | 13728.98  |
|                               | TOTAL                         | 50702488 | 645233.80 | 5655443 9 | 889528.32 | 6.2E+07 | 966365.55 |
| Source: Reserve Bank of India | Source: Reserve Bank of India |          |           |           |           |         |           |

Annexure- II

| Agriculture Loan Outstanding - Commercial Banks - State/UT-wise   | Agriculture Loan Outstanding - Commercial Banks - State/UT-wise   | Agriculture Loan Outstanding - Commercial Banks - State/UT-wise   | Agriculture Loan Outstanding - Commercial Banks - State/UT-wise   | (No. of A/cs in actual and amount in Rs.crores)   | (No. of A/cs in actual and amount in Rs.crores)   | (No. of A/cs in actual and amount in Rs.crores)   |
|-------------------------------------------------------------------|-------------------------------------------------------------------|-------------------------------------------------------------------|-------------------------------------------------------------------|---------------------------------------------------|---------------------------------------------------|---------------------------------------------------|
|                                                                   | 2013                                                              | 2013                                                              | 2014                                                              | 2014                                              | 2015                                              | 2015                                              |
|                                                                   | No. of A/c O/S                                                    | Amt O/S                                                           | No. of A/c O/S                                                    | Amt O/S                                           | No. of A/c O/S                                    | Amt O/S                                           |
| Andamans                                                          | 7097                                                              | 68.26                                                             | 4381                                                              | 62.49                                             | 7824                                              | 83.67                                             |
| Andhra Pradesh                                                    | 9265534                                                           | 98803.98                                                          | 10290618                                                          | 112064.06                                         | 9829209                                           | 110945.00                                         |
| Arunachal Pradesh                                                 | 16530                                                             | 114.04                                                            | 13342                                                             | 142.93                                            | 15449                                             | 139.05                                            |
| Assam                                                             | 723404                                                            | 4385.24                                                           | 849042                                                            | 5369.95                                           | 847934                                            | 5667.41                                           |
| Bihar                                                             | 1962638                                                           | 14477.91                                                          | 2215288                                                           | 20923.22                                          | 2563305                                           | 20916.16                                          |
| Chandigarh                                                        | 17876                                                             | 2620.92                                                           | 11675                                                             | 2196.86                                           | 9088                                              | 1774.98                                           |
| Chattisgarh                                                       | 330564                                                            | 5621.66                                                           | 325103                                                            | 5933.00                                           | 368774                                            | 6363.84                                           |
| Dadra & Nagar Haveli                                              | 1906                                                              | 22.61                                                             | 2224                                                              | 35.81                                             | 2590                                              | 48.59                                             |
| Daman & Diu                                                       | 683                                                               | 9.67                                                              | 1788                                                              | 43.00                                             | 1130                                              | 16.87                                             |
| Delhi                                                             | 41214                                                             | 10178.94                                                          | 86661                                                             | 15583.04                                          | 22685                                             | 13147.38                                          |
| Goa                                                               | 48530                                                             | 787.59                                                            | 47483                                                             | 810.08                                            | 55611                                             | 869.05                                            |
| Gujarat                                                           | 1686150                                                           | 31552.23                                                          | 1642827                                                           | 33991.49                                          | 1877148                                           | 41579.17                                          |
| Haryana                                                           | 838013                                                            | 24379.58                                                          | 874762                                                            | 31955.85                                          | 986779                                            | 37536.19                                          |
| Himachal Pradesh                                                  | 270956                                                            | 3459.15                                                           | 275483                                                            | 4369.80                                           | 299012                                            | 4919.76                                           |
| Jammu & Kashmir                                                   | 325251                                                            | 3105.69                                                           | 399331                                                            | 6145.90                                           | 423120                                            | 7267.09                                           |
| Jharkhand                                                         | 766814                                                            | 4179.94                                                           | 927595                                                            | 4727.54                                           | 1013904                                           | 4975.88                                           |
| Karnataka                                                         | 3268857                                                           | 50011.24                                                          | 3753537                                                           | 68610.68                                          | 4131912                                           | 84252.62                                          |
| Kerala                                                            | 3537770                                                           | 40246.04                                                          | 4382173                                                           | 49804.93                                          | 4593256                                           | 55204.93                                          |
| Lakshadweep                                                       | 2289                                                              | 6.91                                                              | 2584                                                              | 11.31                                             | 1609                                              | 5.64                                              |
| Madhya Pradesh                                                    | 2115618                                                           | 31954.78                                                          | 2058877                                                           | 38228.73                                          | 2419262                                           | 43534.55                                          |
| Maharashtra                                                       | 3506326                                                           | 57378.74                                                          | 3999506                                                           | 174313.63                                         | 4507532                                           | 176074.67                                         |
| Manipur                                                           | 38361                                                             | 384.33                                                            | 36974                                                             | 387.83                                            | 39550                                             | 333.12                                            |
| Meghalaya                                                         | 48901                                                             | 304.42                                                            | 50608                                                             | 389.31                                            | 70420                                             | 408.26                                            |
| Mizoram                                                           | 14890                                                             | 118.16                                                            | 33184                                                             | 142.89                                            | 18376                                             | 132.30                                            |
| Nagaland                                                          | 51740                                                             | 236.99                                                            | 77073                                                             | 284.88                                            | 43160                                             | 252.88                                            |
| Orissa                                                            | 1493595                                                           | 10359.16                                                          | 1662739                                                           | 10362.31                                          | 1655378                                           | 10524.11                                          |
| Puducherry                                                        | 125915                                                            | 1252.60                                                           | 216846                                                            | 1449.55                                           | 174167                                            | 1488.69                                           |
| Punjab                                                            | 1097125                                                           | 38700.03                                                          | 1222232                                                           | 50098.26                                          | 1329686                                           | 54671.84                                          |
| Rajasthan                                                         | 2226016                                                           | 34605.14                                                          | 2426828                                                           | 41005.71                                          | 2788597                                           | 50227.66                                          |
| Sikkim                                                            | 7821                                                              | 87.44                                                             | 8693                                                              | 121.89                                            | 9613                                              | 125.38                                            |
| Tamil Nadu                                                        | 9872308                                                           | 94797.80                                                          | 10772077                                                          | 107279.66                                         | 12497073                                          | 116838.08                                         |
| Tripura                                                           | 105341                                                            | 515.01                                                            | 107406                                                            | 697.09                                            | 115038                                            | 606.64                                            |
| Uttarakhand                                                       | 327306                                                            | 6685.81                                                           | 411024                                                            | 6982.11                                           | 743364                                            | 11863.54                                          |
| Uttar Pradesh                                                     | 4753734                                                           | 50405.29                                                          | 5382045                                                           | 64588.14                                          | 5672983                                           | 70863.80                                          |
| West Bengal                                                       | 1805415                                                           | 23416.48                                                          | 1982430                                                           | 30414.42                                          | 2366377                                           | 32706.79                                          |

Total

50702488

645233.80

56554439

889528.32

61500915 966365.5

| 5   |
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