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GOVERNMENT OF INDIA
MINISTRY OF AGRICULTURE AND FARMERS WELFARE
DEPARTMENT OF AGRICULTURE AND FARMERS WELFARE
LOK SABHA
UNSTARRED QUESTION No. 5275
TO BE ANSWERED ON 24TH MARCH, 2026
INSTITUTIONAL CREDIT TO FARMERS
5275. Dr. D Ravi Kumar:
Will the Minister of AGRICULTURE AND FARMERS WELFARE कृ िष एवं िकसान क(cid:670)ाण मं(cid:361)ी
be pleased to state:
(a) the details of the institutional credit was disbursed to farmers during 2023–24;
(b) the quantum of credit reached to small and marginal farmers;
(c) the details of the financial constraints affect access to affordable loans; and
(d) the details of the steps taken to improve credit flow and interest support?
ANSWER
MINISTER OF STATE FOR AGRICULTURE AND FARMERS WELFARE
कृ िष एवं िकसान क(cid:670)ाण रा(cid:475) मं(cid:361)ी (SHRI RAMNATH THAKUR)
(a): During FY 2023-24, the institutional credit of Rs. 25.49 lakh crore has been disbursed to 17.09 crore
farmers.
(b): Out of total institutional credit disbursed during FY 2023-24, an amount of Rs. 14.40 lakh crore has been
disbursed to 13.06 crore Small and Marginal Farmers.
(c): Government is making adequate provision of funds to implement credit linked schemes to ensure required
credit reaches to targeted and deserving beneficiaries.
(d): The Government of India has taken the following steps in the recent past for deepening and widening of
credit flow to farmers:
i. As per priority Sector Landing (PSL) regulation government has mandated that banks will provide 18% of
their total loans to agriculture and allied sector. Since 2016 a sub limit has been fixed for small and marginal
farmers which at present is 10%.
ii. In 2018–19, the Kisan Credit Card (KCC) facility was extended to farmers engaged in allied activities,
including animal husbandry, dairying and fisheries.
iii. RBI has increased collateral free loan limit in KCC for existing Rs 1.6 lakh to Rs 2 lakh w.e.f., 01.01.2025.
iv. To ensure transparency, efficiency in administering Modified Interest Subvention Scheme (MISS) and
timely disbursement of Interest Subvention, a digital platform namely Kisan Rin Portal (KRP) has been
launched by the Government for prompt settlement of claims.
v. Department of Financial Services vide its letter dated 04.02.2019 has advised banks to waive processing,
documentation, inspection, ledger folio charges and all other service charges for Kisan Credit Card
(KCC)/crop loans up to Rs. 3 lakh.
vi. Several other digital initiatives like Krishi Nivesh, and eKCC have been launched for expeditions sanctions
of loans.
vii. Government is administering several schemes for making easy and affordable institution credit to farmers
including Modified Interest Subvention Scheme (MISS) and Agriculture Infrastructure Fund (AIF).
viii. Government have been taking multiple initiative to make availability of Short Term loan accessible to
farmers through regular IEC campaigns organized by banks, State Government/ Central Government, RBI,
NABARD, etc, besides, technology intervention like Kisan Rin Portal (KRP).
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