Government of India
Ministry of Finance
Department of Financial Services
LOK SABHA
Unstarred Question No. 1365
ANSWERED ON MONDAY, 28 JULY 2025/ SRAVANA 6, 1947 (Saka)
Increase in Limit of Kisan Credit Card Scheme
†1365. Shri Gopal Jee Thakur:
Will the Minister of FINANCE be pleased to state:
a) whether the Government proposes to increase the limit of the Kisan Credit Card scheme
for farmers to...
Government of India Ministry of Finance Department of Financial Services LOK SABHA Unstarred Question No. 1365 ANSWERED ON MONDAY, 28 JULY 2025/ SRAVANA 6, 1947 (Saka) Increase in Limit of Kisan Credit Card Scheme †1365. Shri Gopal Jee Thakur:
Will the Minister of FINANCE be pleased to state: a) whether the Government proposes to increase the limit of the Kisan Credit Card scheme for farmers to Rs.5 lakh without guarantee; b) whether small farmers will not face difficulties in agricultural works due to this initiative;
c) the number of farmers of Darbhanga district of Bihar benefitted from this scheme during the last five years, the scheme-wise; d) whether the Government proposes to make this scheme more accessible to farmers; and e) if so, the details thereof? Answer THE MINISTER OF STATE IN THE MINISTRY OF FINANCE (SHRI PANKAJ CHAUDHARY)
(a) In Union Budget 2025–26, the Government of India has announced to increase the loan limit under the Modified Interest Subvention Scheme (MISS) from existing Rs. 3 lakh to Rs 5 lakh for loans taken through the Kisan Credit Card (KCC). The limit for collateral free credit under KCC has already been increased from the Rs. 1.6 lakh to Rs. 2 lakh per borrower, effective from 01 January, 2025. There is no proposal under consideration for increasing this limit further.
(b) The aforesaid initiatives of Government are aimed to promote greater access to formal/institutional credit in the agricultural sector, thereby reducing reliance on non- institutional sources.
(c) As reported by SLBC, Bihar, the details of number of farmers of Darbhanga district of Bihar benefitted from this scheme during the last five years is given at Annexure.
(d) and (e) Government has taken various steps to make KCC scheme more accessible to farmers which inter-alia includes: i. In 2019, KCC scheme was extended to cover working capital requirement of animal husbandry, dairying and fisheries.
ii. In order to bring awareness about the benefits of the KCC scheme among farmers, Union/State Governments, RBI, NABARD and Banks conduct various awareness programmes and IEC (Information, Education and Communication) campaigns.
iii. Government of India launched KCC Saturation Drive under Atma Nirbhar Bharat Abhiyan to provide KCC to all eligible farmers. Further, to expand the benefits of the Kisan Credit Card (KCC) to all eligible farmers engaged in Animal Husbandry, Dairy, and Fisheries (AHDF) nationwide district level weekly camps were also organized.
*****Annexure Number of KCC disbursed during the last five years Financial KCC-Animal KCC- Crop KCC-Fisheries Total KCC Year Husba ndry 2020-21 30,778 471 21 31,270 2021-22 54,074 654 47 54,775 2022-23 51,053 994 35 52,082 2023-24 45,452 1,023 24 46,499 2024-25 63,194 6,432 194 69,820