**Executive Summary**
This document provides answers to Unstarred Question No. 1805 in the Lok Sabha, regarding the impact of the Kisan Credit Card (KCC) scheme in tribal and scheduled areas of Maharashtra. The answers, provided by the Minister of State for Agriculture and Farmers Welfare, address KCC implementation, account numbers, issues faced by tribal farmers, interest subvention, financial literacy, and impact studies. The question was to be answered on February 10th, 2026.
**Key Points / Main Content**
* **Evaluation of KCC Scheme:**
* The Institute for Social and Economic Change (ISEC), Bengaluru, conducted Third Party Evaluation Studies of the Modified Interest Subvention Scheme (MISS), which implicitly included a partial evaluation of the KCC scheme. Sample surveys were conducted in Solapur, Sindhudurg, and Jalagaon districts.
* No separate study was conducted specifically in tribal and scheduled areas.
* **KCC Account Statistics (as of 31.12.2025):**
* The document includes a table showing the total number of KCC accounts opened in twelve tribal districts of Maharashtra, along with the total outstanding amount in KCC.
* Data on the number of KCC accounts for Small and Marginal Farmers (SMF) is not maintained separately.
* **Initiatives for Credit Accessibility:**
* The Government has undertaken multiple initiatives to enhance short-term credit accessibility for all farmers, including those in Animal Husbandry and Fisheries, through regular IEC campaigns and technology interventions like the Kisan Rin Portal (KRP).
* Viksit Bharat Sankalp Yatra (VBSY) & Particularly Vulnerable Tribal Group (PVTG) camps were organized to boost KCC enrolment.
* **Interest Subvention for ST Farmers:**
* Data on interest subvention paid to KCC accounts of Scheduled Tribe (ST) farmers is maintained on the Kisan Rin Portal.
* 128633 operative KCC accounts belonging to the Scheduled Tribe population in Maharashtra received MISS benefits in FY 2024-25.
* **Impact on Productivity and Income (Based on MISS evaluation):**
* No separate study assessing KCC's effect on productivity and income in Tribal areas has been conducted.
* Every ₹1 invested under KCC-MISS contributes ₹2.30 to net value addition.
* The MISS has reduced the interest burden on farmers with a subsidy outlay of ₹1.87 lakh crore.
* The scheme has positively impacted cropping intensity, cultivation, and crop portfolios.
* The scheme has improved the timeliness of input use and beneficiaries have demonstrated better credit discipline.
* The scheme has supported dairy and livestock expansion, income diversification, and Working Capital Requirements (WCR) for inland fisheries.
**Impact Analysis**
**Farmers in Tribal and Scheduled Areas of Maharashtra**
* **Impact:**
* The evaluation of the KCC scheme impacts their access to credit and awareness of available benefits. The data provided on KCC accounts and interest subvention informs understanding of the scheme's reach in these areas.
* **Action Required:**
* Farmers should engage with awareness programs and utilize the Kisan Rin Portal to understand the KCC scheme, interest subvention benefits, and access available credit.
**Government (Ministry of Agriculture and Farmers Welfare)**
* **Impact:**
* The responses to the Lok Sabha question reflect the ministry's understanding of the KCC scheme's implementation and impact in tribal areas, influencing future policy decisions and targeted interventions.
* **Action Required:**
* The ministry should take note of the lack of separate studies in tribal areas and the reliance on MISS evaluations for assessing impact. Continue to monitor KCC accounts, interest subvention and drive initiatives for farmers.
**Banks and Financial Institutions**
* **Impact:**
* The data on KCC accounts and interest subvention helps banks understand the performance of the KCC scheme in tribal areas. The government's initiatives to improve credit accessibility can inform their outreach strategies.
* **Action Required:**
* Banks need to continue participating in IEC campaigns and utilize the Kisan Rin Portal. Engage in technology intervention to further expand the outreach of KCC.
Key Entities Referenced
Kisan Credit Card (KCC): A scheme providing agricultural credit to farmers.
Maharashtra: State where the impact of the KCC scheme is being reviewed, especially in tribal and scheduled areas.
Modified Interest Subvention Scheme (MISS): A scheme providing interest subvention on agricultural loans, including KCC loans.
Ministry of Agriculture and Farmers Welfare: The ministry responsible for implementing and overseeing agricultural policies, including the KCC scheme.
Kisan Rin Portal (KRP): A portal for managing and monitoring data related to agricultural loans, including interest subvention.
GOVERNMENT OF INDIA
MINISTRY OF AGRICULTURE AND FARMERS WELFARE
DEPARTMENT OF AGRICULTURE AND FARMERS WELFARE
LOK SABHA
UNSTARRED QUESTION No. 1805
TO BE ANSWERED ON 10TH FEBRUARY, 2026
IMPACT OF THE KISAN CREDIT CARD
1805. SHRI BHASKAR MURLIDHAR BHAGARE:
Will the Minister of AGRICULTURE AND FARMERS WELFARE कृ(cid:874)ष एव ं (cid:873)कसान
क(cid:227)याण म(cid:287)ं ी be pleased to state:
(a) whether the Government has reviewed the implementation and impact of the Kisan
Credit Card (KCC) scheme in the tribal and Scheduled Areas of Maharashtra;
(b) if so, the number of KCC accounts opened in tribal districts of Maharashtra,
disaggregated by marginal and small farmers district-wise;
(c) whether enrolment of tribal farmers and women cultivators remains low in these
districts due to documentation hurdles, bank outreach gaps and limited awareness
and if so, the details of special drives undertaken and their outcomes;
(d) whether data is maintained on interest subvention availed by tribal KCC holders
and if so, the details thereof;
(e) whether lack of financial literacy has affected credit utilisation and repayment
among tribal farmers and the details of awareness programmes conducted; and
(f) whether any impact study has assessed KCC’s effect on productivity and incomes
in tribal areas and if so, the findings thereof?
ANSWER
THE MINISTER OF STATE FOR AGRICULTURE AND FARMERS WELFARE
कृ(cid:874)ष एव ं (cid:873)कसान क(cid:227)याण रा(cid:207)य म(cid:287)ं ी (SHRI RAMNATH THAKUR)
(a): The Institute for Social and Economic Change (ISEC), Bengaluru has recently
conducted Third Party Evaluation Studies of Modified Interest Subvention Scheme
(MISS) which also include partial evaluation of KCC scheme implicitly. The sample
survey were conducted in Solapur, Sindhudurg and Jalagaon districts of Maharastra.
No separate study in tribal and scheduled areas were conducted.(b): The number of KCC accounts opened in tribal districts of Maharashtra as on
31.12.2025 is given in the following table. As confirmed from DFS, data showing
number of KCC accounts of Small and Marginal Farmers (SMF) are not maintained
separately.
(No. in Actual and
Amount in Rs. Crore)
Sl. Name of District Total number of Total Outstanding
No. KCC as on amount in KCC
31.12.2025
1 AMRAVATI 209165 2947.27
2 BHANDARA 105014 927.01
3 CHANDRAPUR 117541 1251.57
4 DHULE 105378 1472.67
5 GADCHIROLI 49850 322.60
6 GONDIA 126105 845.21
7 JALGAON 274360 2759.91
8 NANDURBAR 59501 945.65
9 NASHIK 146799 4293.05
10 PALGHAR 43959 402.85
11 THANE 50025 403.64
12 YAVATMAL 354998 4948.00
Source: DFS
(c) & (e): The Government has been taking multiple initiatives to make the short-term
credit accessible to all farmers including farmers engaged in Animal Husbandry and
Fisheries through regular IEC campaigns organized by banks, State Government/
Central Government, RBI, NABARD, etc, besides, technology intervention like Kisan
Rin Portal (KRP). These campaigns are used to issue or renew Kisan Credit Cards.
Besides this, Viksit Bharat Sankalp Yatra (VBSY) & Particularly Vulnerable Tribal
Group (PVTG) camps were organized to boost the KCC enrolment.
(d): Data of interest subvention being paid to KCC accounts of ST farmers are
maintained on Kisan Rin Portal. As on date, there are 128633 operative KCC accounts
in FY 2024-25 belonging to Scheduled Tribe population in Maharashtra which received
MISS benefits.(f): No separate study to assess KCC’s effect on productivity and income in Tribal
areas have been conducted. However, the major findings of Third Party Evaluation
Studies of MISS report prepared by ISEC, Bengaluru are as under:
i. Every ₹1 invested under KCC–MISS contributes ₹2.30 to net value addition in
the agriculture and allied sector;
ii. The MISS has played a crucial role in reducing the interest burden on farmers
with an estimated subsidy outlay of ₹1.87 lakh crore since inception till 2024–
25;
iii. The scheme has positively impacted cropping intensity and multi-season
cultivation, with KCC–MISS farmers cultivating larger areas, achieving higher
cropping intensity, and adopting more diversified crop portfolios across
seasons, supported by reliable irrigation and concessional credit;
iv. It has improved the timeliness of input use through access to adequate working
capital, and beneficiaries receiving Prompt Repayment Incentive (PRI) have
demonstrated better credit discipline, thereby enhancing banks’ confidence for
further lending;
v. The scheme has supported dairy and livestock expansion and promoted
income diversification by supplementing crop income, reducing dependence
on seasonal agriculture, and integrating livestock and fisheries farming with
crop production. It has also supported Working Capital Requirements (WCR)
for inland fisheries, which is significant for diversification in the North-Eastern
Region.
*****