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GOVERNMENT OF INDIA
MINISTRY OF FINANCE
DEPARTMENT OF FINANCIAL SERVICES
LOK SABHA
UNSTARRED QUESTION NO. 2301
ANSWERED ON MONDAY, 04 AUGUST 2025/ SRAVANA 13, 1947 (SAKA)
KCC ACOUNTS OPENED IN MAHARASHTRA
2301. SMT. SUPRIYA SULE:
SHRI SANJAY DINA PATIL:
DR. AMOL RAMSING KOLHE:
SHRI MOHITE PATIL DHAIRYASHEEL RAJSINH:
DR. KIRSAN NAMDEO:
PROF. VARSHA EKNATH GAIKWAD:
Will the Minister of FINANCE be pleased to state:
(a) the features of Kisan Credit Card Scheme and the district-wise number of Kisan
Credit Card (KCC) accounts opened in Maharashtra, disaggregated by farm-size
categories along with the funds allocated, sanctioned and utilised under this
scheme in Maharashtra during the last three years;
(b) whether any special outreach drives for women farmers, tribal communities has
been undertaken in Maharashtra to boost KCC enrolment and the achievement
made so far;
(c) whether the Government has any data on interest subvention schemes including
any State-level top-ups or additional incentives availed by KCC holders in
Maharashtra and if so, the details thereof;
(d) whether the Government monitors NPA ratio under KCC portfolios of different
bank groups operating in Maharashtra alongside national average and if so, the
details thereof;
(e) whether the Government has undertaken initiatives in Maharashtra to enhance
financial literacy among prospective and existing KCC holders;
(f) if so, the details of workshops, training sessions or digital/field-based programmes
on prudent credit use, budgeting and repayment in Maharashtra along with the
study conducted to assess the impact of KCC on farm productivity, income levels;
and
(g) whether the Government proposes to provide KCC to poor fishermen who are
unable to provide any collateral and if so, the details thereof?
Answer
THE MINISTER OF STATE IN THE MINISTRY OF FINANCE
(SHRI PANKAJ CHAUDHARY)
(a) The Kisan Credit Card (KCC) scheme provides timely and affordable credit to
farmers for agricultural and allied activities. It offers crop loans for cultivation and post-
harvest expenses, working capital for Animal Husbandry & Fisheries and term loan for
agriculture and allied activities.The data on district-wise farm size-wise KCC accounts opened in Maharashtra is not
available. As KCC is a demand driven scheme, credit facilities are granted to the
farmers as per their needs and scale of finance for agriculture and allied activities. As
reported by State Level Bankers’ Committee (SLBC), Maharashtra, the details of
district wise number of KCC accounts and amount disbursed during last three years, is
enclosed at Annexure-I.
(b) With an aim to provide the benefits of KCC loans to maximum number of farmers, a
special KCC saturation drive was launched since February 2020 under Atma Nirbhar
Bharat Abhiyan to cover 2.5 crore farmers under KCC with a credit boost of Rs. 2 lakh
crore. As on 25 July 2025, 81 lakh KCC Accounts were opened/renewed in the state of
Maharashtra under KCC Saturation Drive. Further, to expand the benefits of the Kisan
Credit Card (KCC) to all eligible farmers engaged in Animal Husbandry, Dairy, and
Fisheries (AHDF) activities the Government organised a nationwide district level
weekly camps from 15.11.2021 to 31.03.2025 as a result of which 75,135 AHDF KCC
accounts were opened in Maharashtra. Besides this, Viksit Bharat Sankalp Yatra
(VBSY) & Particularly Vulnerable Tribal Group (PVTG) camps were organised to
boost the KCC enrolment.
(c) Under the Modified Interest Subvention Scheme (MISS), the Government of India
provides an Interest Subvention (IS) of 1.5% to banks for extending short-term working
capital loans up to ₹3 lakh (upto Rs 2 lakh in case of allied activities) through the Kisan
Credit Card (KCC) at a concessional rate of 7% per annum. Additionally, a Prompt
Repayment Incentive (PRI) of 3% is offered to farmers on timely repayment,
effectively reducing the interest rate to 4% for farmers. Apart from this, the additional
interest subvention/PRI is also provided by Government of Maharashtra. Under
Modified Interest Subvention Scheme (MISS) provided by the Union Government an
amount of Rs 17,811.72 crore was disbursed during FY 2024-25 across the country,
including the state of Maharashtra, registering a growth of 24.98% over previous
financial year. The details of additional interest subvention provided by State
Government of Maharashtra is given at Annexure-II
(d) Data on NPA in KCC accounts in the country and the state of Maharashtra is
provided at Annexure-III.
(e) and (f) RBI, NABARD and Banks conduct various financial literacy programs to
enhance financial literacy among farmers such as:
• Financial and Digital Literacy Camps (FDLCs) have been organized by banks,
targeting diverse groups including farmers. The district-wise break up of camps in
Maharashtra is given at Annexure-IV.
• Centres for Financial Literacy (CFLs) project of RBI conduct financial literacy
programmes on a regular basis. The District-wise count of CFLs sanctioned in
Maharashtra is given at Annexure-V.
• RBI has been conducting Financial Literacy Week (FLW) every year since 2016 to
propagate financial education messages on various themes of Financial Literacy.(g) The Reserve Bank of India has increased the limit for collateral-free agricultural
loans, including loans for allied activities from ₹1.6 lakh per borrower to ₹2 lakh w.e.f
01 January 2025. This move enhances credit accessibility, particularly for small and
marginal farmers including fishermen.
****Annexure-I
Statement referred to in part (a) of Lok Sabha Un-Starred Question no. 2301 on “KCC
Acounts Opened in Maharashtra” due for answer on 04.08.2025
District-wise number of Kisan Credit Card (KCC) accounts opened and amount
disbursed in Maharashtra during last three years:
(Number in Actual & Amount in Lakh)
2022-23 2023-24 2024-25
Sr.
No. Name of District Number of Amount Number of Amount Number of Amount
KCC A/c's KCC A/c's KCC A/c's
1 AHMEDNAGAR 5,80,753 6,31,265 4,89,709 5,57,931 5,14,735 5,84,844
2 AKOLA 1,26,240 1,33,281 1,16,638 1,27,334 1,07,733 1,30,162
3 AMRAVATI 1,65,157 1,86,192 1,57,448 1,92,193 1,47,338 2,08,198
4 AURANGABAD 2,81,652 2,12,665 2,68,173 2,09,425 2,35,707 2,15,331
5 BEED 2,53,625 2,10,822 2,27,602 1,95,680 1,89,337 1,83,450
6 BHANDARA 1,01,840 67,854 1,01,696 64,832 1,00,547 70,386
7 BULDHANA 1,96,897 2,00,733 1,58,569 1,69,010 1,16,254 1,43,945
8 CHANDRAPUR 1,13,033 98,431 1,09,699 99,628 1,04,175 1,07,276
9 DHULE 76,845 1,07,445 80,552 1,08,268 79,944 1,20,820
10 GADCHIROLI 43,427 23,552 39,855 23,716 38,863 26,732
11 GONDIA 72,761 42,686 63,719 41,599 60,989 45,179
12 HINGOLI 1,46,473 1,03,480 1,30,465 1,01,317 1,16,914 89,473
13 JALGAON 2,77,499 2,68,209 2,93,747 2,77,122 2,94,617 3,46,579
14 JALNA 2,02,493 1,70,028 1,59,947 1,29,877 1,26,698 1,08,172
15 KOLHAPUR 2,80,499 3,50,410 2,48,633 3,06,084 3,55,176 3,86,857
16 LATUR 3,21,973 2,32,239 2,96,093 2,69,083 2,72,288 2,75,553
17 MUMBAI CITY 762 1,917 1,011 2,547 453 1,526
18 MUMBAI SUBURB 1,465 2,733 3,396 5,859 2,886 8,863
19 NAGPUR 1,01,302 1,18,982 87,526 1,19,223 90,513 1,55,099
20 NANDED 2,63,045 2,24,072 2,38,899 2,22,113 1,96,522 2,06,101
21 NANDURBAR 57,416 79,005 45,681 81,328 40,292 71,454
22 NASIK 1,64,942 3,38,130 1,65,477 3,31,623 1,73,214 4,25,026
23 OSMANABAD 1,66,295 1,56,141 1,46,058 1,42,996 1,40,319 1,50,775
24 PALGHAR 21,844 21,166 21,214 19,275 23,712 33,205
25 PARBHANI 1,99,241 1,60,099 1,77,757 1,48,659 1,56,815 1,38,496
26 PUNE 4,21,564 5,07,967 4,07,735 5,26,122 4,29,219 6,53,781
27 RAIGAD 50,999 41,873 33,355 29,961 43,194 58,681
28 RATNAGIRI 86,420 64,064 68,904 61,063 54,682 83,842
29 SANGLI 2,60,070 2,85,041 2,52,683 2,69,766 2,39,628 3,07,866
30 SATARA 3,99,851 3,06,225 3,74,418 3,02,807 3,64,171 3,52,203
31 SINDHUDURG 45,185 41,552 44,240 41,422 52,465 64,964
32 SOLAPUR 2,64,879 4,16,216 2,30,156 3,95,396 2,69,297 4,90,878
33 THANE 46,372 33,515 32,777 31,319 36,968 50,974
34 WARDHA 91,112 96,587 75,290 91,319 62,350 92,291
35 WASHIM 1,22,116 1,17,340 1,18,324 1,17,033 95,418 1,08,286
36 YAVATMAL 2,14,959 2,24,995 1,91,093 2,06,573 1,66,523 2,08,584
Source: SLBC, MaharashtraAnnexure-II
Statement referred to in part (c) of Lok Sabha Un-Starred Question no. 2301 on “KCC
Acounts Opened in Maharashtra” due for answer on 04.08.2025
Details of additional Interest Subvention provided by the Govt. of Maharashtra are as
under:
(Rs. in crore)
Scheme 2023-24 2024-25
Interest Subvention 347.00 666.60
Interest Incentive on prompt 367.99 299.96
repayment
Source: SLBC, MaharashtraAnnexure-III
Statement referred to in part (d) of Lok Sabha Un-Starred Question no. 2301 on “KCC
Acounts Opened in Maharashtra” due for answer on 04.08.2025
Data on NPA in KCC accounts at All India level and in the state of Maharashtra is as
below:
All-India Maharashtra
Bank Group
31 March 2024 31 March 2025 31 March 2024 31 March 2025
SCBs 13.97% 13.95% 20.76% 21.44%
RRBs 7.13% NA* 4.27% NA*
RCBs 6.55% NA* 19.56% NA*
SCB: Scheduled Cooperative Bank; RRB: Regional Rural Bank; RCB: Rural Cooperative
Banks
*NA: Not Available Data Source: RBI and NABARDAnnexure-IV
Statement referred to in part (e) and (f) of Lok Sabha Un-Starred Question no. 2301
on “KCC Acounts Opened in Maharashtra” due for answer on 04.08.2025
District-wise Financial & Digital Literacy Camps conducted in the last 03 FYs
SN Name of the district Number of Financial Literacy Camps
1 Ahilyanagar 670
2 Akola 377
3 Amravati 153
4 Chhatrapati Sambhajinagar 1,114
5 Beed 114
6 Bhandara 658
7 Buldana 667
8 Chandrapur 1,811
9 Dharashiv 388
10 Dhule 237
11 Gadchiroli 1,127
12 Gondia 898
13 Hingoli 89
14 Jalgaon 842
15 Jalna 640
16 Kolhapur 661
17 Latur 694
18 Nagpur 380
19 Nanded 543
20 Nandurbar 752
21 Nasik 847
22 Palghar 203
23 Parbhani 230
24 Pune 1,114
25 Raigad 467
26 Ratnagiri 408
27 Sangli 865
28 Satara 1,540
29 Sindhudurg 550
30 Solapur 1118
31 Thane 337
32 Wardha 208
33 Washim 587
34 Yavatmal 775
Source: NABARDAnnexure-V
Statement referred to in part (e) and (f) of Lok Sabha Un-Starred Question no. 2301 on
“KCC Acounts Opened in Maharashtra” due for answer on 04.08.2025
District-wise count of CFLs sanctioned under FIF in Maharashtra
SN Name of the district No. of CFLs
1 Ahilyanagar 2
2 Akola 2
3 Amravati 3
4 Beed 2
5 Bhandara 1
6 Buldhana 2
7 Chandrapur 1
8 Chhatrapati Sambhajinagar 3
9 Dharashiv 1
10 Gadchiroli 1
11 Gondia 2
12 Jalgaon 3
13 Kolhapur 3
14 Latur 1
15 Nagpur 5
16 Nanded 3
17 Nashik 4
18 Palghar 1
19 Parbhani 1
20 Pune 4
21 Raigad 2
22 Sangli 2
23 Satara 3
24 Sindhudurg 1
25 Solapur 1
26 Thane 1
27 Wardha 2
28 Washim 1
29 Yavatmal 2
Source: NABARD