Parliament Question: Extension of Rupay Kisan Credit Card to Cooperative Societies

GOVERNMENT OF INDIA MINISTRY OF FINANCE DEPARTMENT OF FINANCIAL SERVICES LOK SABHA UNSTARRED QUESTION NO. 4831 ANSWERED ON MONDAY, 23 MARCH, 2026/ 02 CHAITRA, 1947 (SAKA) Extension of Rupay Kisan Credit Card to Cooperative Societies 4831. SHRI PRADEEP KUMAR SINGH: SMT. KAMALJEET SEHRAWAT: SHRI LUMBARAM CHOUDHARY: SMT. KRITI DEVI DEBBARMAN: SHRI YOGENDER CHANDOLIA: SHRI ANUP SANJAY DHOTRE: SHRI VISHWESHWAR HEGDE KAGERI: SHRI KRISHNA PRASAD TENNETI: SHRI HARIBHAI PATEL: SHRI SATISH KUMAR GAUTAM: SHRI BHARATSINHJI SHANKARJI DABHI: SHRI PRAVEEN PATEL: SHRI VISHNU DAYAL RAM: Will the Minister of FINANCE be pleased to state: (a) the impact of the pilot project launched in Banaskantha and Panchmahal districts on expanding the outreach of District Central Cooperative Banks (DCCBs); (b) the number of RuPay Kisan Credit Cards issued so far under the ‘Cooperation among Cooperatives’ campaign in the country, State-wise details thereof; (c) the measures taken by the Government to ensure timely and affordable credit to members of dairy and other cooperative societies through RuPay KCCs; (d) whether the Government proposes to extend Rupay Kisan Credit Card to Members of Cooperative Societies beyond the States of Gujarat and Karnataka to all District Central Cooperative Banks across the country; and (e) if so, the timeline thereof? ANSWER THE MINISTER OF STATE IN THE MINISTRY OF FINANCE (SHRI PANKAJ CHAUDHARY) (a): As informed by the National Bank for Agriculture and Rural Development (NABARD), a pilot project was launched in FY 2024 in Banaskantha and Panchmahal District Central Cooperative Banks (DCCBs) of Gujarat to promote routing of all financial transactions of Primary Dairy Cooperative Societies (PDCS) and other cooperative bodies through the cooperative banking network, to strengthen and make the cooperative sector self-reliant. Under the said pilot project, PDCS were equipped with micro-ATMs and awareness was created through financial literacy camps for undertaking digital transactions.(b): The State wise details for RuPay Kisan Credit Cards issued by Rural Cooperative Banks, as on 28.02.2026 are given at Annexure. (c): The Government has taken various measures to ensure timely and affordable credit to dairy and other cooperative societies, which inter-alia include: i) KCC Scheme along with benefits of interest subvention has been extended to Animal Husbandry and Fisheries Farmers in FY 2018-19. ii) The Reserve Bank of India (RBI) has announced that agricultural loans, including loans for allied activities, up to the limit of ₹ 2 lakh can be provided without the need for collateral, w.e.f 01.01.2025 iii) To support payment ecosystem participants in effective service delivery, the Government has implemented the “Incentive scheme for promotion of RuPay Debit Cards and low-value BHIM-UPI transactions (P2M) under which incentives are paid by the Government to the Acquiring Bank (merchant’s bank) (d) and (e): The RuPay KCC scheme was introduced in 2012 and the scheme is already applicable to all cooperative banks across the country as per the extant guidelines of the RBI. *****Annexure Annexure referred to in part (b) of Lok Sabha Un-Starred Question No. 4831 on “Extension of Rupay Kisan Credit Card to Cooperative Societies” due for answer on 23.03.2026 State/UT-wise details of Rupay KCCs issued cumulatively by Rural Cooperative Banks No. of Rupay Kisan Credit Cards Issued State / UT as on 28.02.2026 Andhra Pradesh 9,54,858 Assam 3,113 Bihar 27,537 Chhattisgarh 2,02,262 Gujarat 8,90,128 Haryana 35,513 Jammu and Kashmir 2,838 Jharkhand 70 Karnataka 16,08,289 Madhya Pradesh 74,002 Maharashtra 7,28,502 Manipur 2,280 Odisha 58,717 Puducherry 1,813 Punjab 20,970 Rajasthan 80,686 Tamil Nadu 18,04,661 Telangana 3,82,753 Uttar Pradesh 1,54,124 Uttarakhand 72,066 West Bengal 1,327 Total 71,06,509