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Date: 2025-12-08 Category: Not Applicable State: Union Government Country: India

Parliament Question: Kisan Credit Card

Issued by Ministry of Finance · Not Applicable

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Executive Summary & Key Takeaways

**Executive Summary** This document is an answer provided by the Minister of State in the Ministry of Finance to the Lok Sabha concerning Unstarred Question No. 1284 on Kisan Credit Cards (KCC). The response provides details on KCC accounts opened and amounts disbursed in Maharashtra, including information on special campaigns for women farmers and tribal communities. It also includes data up to November 14, 2025, and March 31, 2025, for specific programs. Disbursement data is current to September 30, 2025. **Key Points / Main Content** * **KCC Account and Disbursement Data:** * Details of KCC accounts opened and amount disbursed in Maharashtra (district-wise) for the last five years are provided in the Annexure. This includes Parbhani district, but does not include data on farm size-wise KCC accounts. * The Annexure provides numerical data on KCC accounts and the amount in Crores disbursed district-wise, for the years 2021-2022, 2022-2023, 2023-2024, 2024-2025, and 2025-2026 (up to 30.09.2025). * **KCC Saturation Drive and AHDF Activities:** * A KCC saturation drive was launched in February 2020 under Atma Nirbhar Bharat Abhiyan, targeting 2.5 crore farmers with a Rs. 2 lakh crore credit boost. * As of November 14, 2025, 83 lakh KCC accounts were opened/renewed in Maharashtra under the KCC Saturation Drive. * To extend benefits to farmers engaged in Animal Husbandry, Dairy, and Fisheries (AHDF), district-level weekly camps were organised from November 15, 2021, to March 31, 2025, resulting in 75,747 AHDF KCC accounts opened. * Viksit Bharat Sankalp Yatra (VBSY) & Particularly Vulnerable Tribal Group (PVTG) camps were organised to boost KCC enrollment. * **Interest Subvention Scheme (MISS):** * Under MISS, the Government of India provides a 1.5% interest subvention to banks for short-term working capital loans up to Rs 3 lakh (Rs 2 lakh for allied activities) through KCC at a concessional rate of 7% per annum. * A Prompt Repayment Incentive (PRI) of 3% is offered for timely repayment, effectively reducing the interest rate to 4% for farmers. * Additional interest subvention/PRI is also provided by the Government of Maharashtra. * Under MISS, Rs 17,811.72 crore was disbursed across the country during FY 2024-25, including Maharashtra. **Impact Analysis** **Farmers in Maharashtra** * **Impact:** Benefited from increased access to KCC loans, especially through saturation drives and AHDF-focused initiatives. Reduced interest rates are available via the MISS. * **Action Required:** Farmers should enroll in KCC schemes to avail the benefits, ensure timely repayment to receive the incentive, and consult the Annexure for loan disbursal data to ascertain the performance of the scheme. **Banks in Maharashtra** * **Impact:** Banks are impacted by the interest subvention scheme, which incentivizes them to extend short-term working capital loans through KCC. * **Action Required:** Banks should participate in the KCC scheme and ensure the KCC loans are disbursed in accordance with the rules, as well as report on the state of KCC loans, following the format from the State Level Bankers’ Committee (SLBC). **Government of India & Maharashtra** * **Impact:** The Union government and the Government of Maharashtra are responsible for implementing and monitoring the KCC scheme, including the saturation drive, AHDF initiatives, and interest subvention. * **Action Required:** Government entities must continue to promote and administer the KCC scheme, track disbursements and farmer participation, and ensure the effectiveness of the initiatives in supporting farmers and allied activities.

Key Entities Referenced

Kisan Credit Card (KCC): A credit scheme providing farmers with access to credit for agricultural needs. Maharashtra: The state where the KCC scheme details and enrollment are specifically inquired about. Modified Interest Subvention Scheme (MISS): A scheme that provides interest subvention on short-term working capital loans to farmers via KCC. Atma Nirbhar Bharat Abhiyan: An initiative under which the KCC saturation drive was launched. State Level Bankers' Committee (SLBC): An inter-institutional forum at the state level for coordination and implementation of banking development plans and government schemes.
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GOVERNMENT OF INDIA MINISTRY OF FINANCE DEPARTMENT OF FINANCIAL SERVICES LOK SABHA UNSTARRED QUESTION NO. 1284 ANSWERED ON MONDAY, 08 DECEMBER, 2025/ AGRAHAYANA 17, 1947 (SAKA) Kisan Credit Card †1284. SHRI SANJAY HARIBHAU JADHAV: Will the Minister of FINANCE be pleased to state: (a) the number of Kisan Credit Card (KCC) accounts opened in Maharashtra under the Kisan Credit Card Scheme, as per the classification of farm/agricultural size categories, district-wise; (b) the details especially for the Parbhani Lok Sabha parliamentary constituency in this regard; (c) the breakdown of the funds allocated, sanctioned, and utilized under the said scheme in Maharashtra over the past five years especially the Parbhani Lok Sabha parliamentary constituency; (d) whether any special campaign has been conducted for women farmers and tribal communities to promote KCC enrolment in Maharashtra; (e) if so, the details of the achievements made in this regard; and (f) whether the Government has any data on interest subsidy schemes, including any state level top-ups or additional incentives received by KCC holders in Maharashtra and if so, the details thereof? ANSWER THE MINISTER OF STATE IN THE MINISTRY OF FINANCE (SHRI PANKAJ CHAUDHARY) (a) to (c) As reported by the State Level Bankers’ Committee (SLBC), Maharashtra, the details of number of KCC accounts and amount disbursed during last five years in the state of Maharashtra (district-wise), including Parbhani district, is enclosed at Annexure. The data on farm size-wise KCC accounts opened is not maintained. (d) & (e) With an aim to provide the benefits of KCC loans to maximum number of farmers, a KCC saturation drive was launched in 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 14 November 2025, 83 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 75,747 AHDF KCC accounts opened in Maharashtra. Besides this, Viksit Bharat Sankalp Yatra (VBSY) & Particularly Vulnerable Tribal Group (PVTG) camps were organised to boost the KCC enrolment.(f) 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, 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. *****Annexure Statement referred to in part (a) and (c) of Lok Sabha Un-Starred Question no. 1284 on “Kisan Credit Card” due for answer on 08.12.2025 Details of Kisan Credit Card (KCC) accounts opened and amount disbursed in Maharashtra (district-wise), including Parbhani district, during last five years: (Number in Actual & Amount in Crore) Sr. Name of 2021-2022 2022-2023 2023-2024 2024-2025 2025-2026* No. District A/c Amt. A/c Amt. A/c Amt. A/c Amt. A/c Amt. 1 AHILYANAGA 5,42,696 4,970 5,80,753 6,313 4,89,709 5,579 5,14,735 5,848 3,65,177 4,104 R 2 AKOLA 1,30,103 1,402 1,26,240 1,333 1,16,638 1,273 1,07,733 1,302 78,490 962 3 AMRAVATI 1,41,001 1,408 1,65,157 1,862 1,57,448 1,922 1,47,338 2,082 93,479 1,385 4 BEED 2,23,017 1,746 2,53,625 2,108 2,27,602 1,957 1,89,337 1,835 1,15,612 1,045 5 BHANDARA 89,602 507 1,01,840 679 1,01,696 648 1,00,547 704 91,217 594 6 BULDHANA 1,54,237 1,428 1,96,897 2,007 1,58,569 1,690 1,16,254 1,439 54,508 759 7 CHANDRAPU 88,604 710 1,13,033 984 1,09,699 996 1,04,175 1,073 96,689 1,038 R 8 CHHATRAPATI SAMBHAJINAG 2,82,840 1,710 2,81,652 2,127 2,68,173 2,094 2,35,707 2,153 1,30,409 1,208 AR 9 DHARASHIV 1,44,626 1,228 1,66,295 1,561 1,46,058 1,430 1,40,319 1,508 95,831 959 10 DHULE 67,572 756 76,845 1,074 80,552 1,083 79,944 1,208 45,727 691 11 GADCHIROLI 31,912 152 43,427 236 39,855 237 38,863 267 32,591 213 12 GONDIA 52,155 299 72,761 427 63,719 416 60,989 452 55,988 399 13 HINGOLI 1,10,683 772 1,46,473 1,035 1,30,465 1,013 1,16,914 895 63,558 526 14 JALGAON 2,21,497 1,735 2,77,499 2,682 2,93,747 2,771 2,94,617 3,466 2,14,932 2,239 15 JALNA 1,64,433 1,147 2,02,493 1,700 1,59,947 1,299 1,26,698 1,082 86,260 652 16 KOLHAPUR 2,57,604 2,858 2,80,499 3,504 2,48,633 3,061 3,55,176 3,869 1,88,281 2,111 17 LATUR 2,91,253 1,728 3,21,973 2,322 2,96,093 2,691 2,72,288 2,756 2,12,362 2,069 18 MUMBAI CITY 0 0 762 19 1,011 25 453 15 557 2 19 MUMBAI 0 0 1,465 27 3,396 59 2,886 89 522 20 SUBURB 20 NAGPUR 91,714 1,086 1,01,302 1,190 87,526 1,192 90,513 1,551 51,302 849 21 NANDED 2,07,841 1,595 2,63,045 2,241 2,38,899 2,221 1,96,522 2,061 1,24,991 1,359 22 NANDURBAR 35,609 465 57,416 790 45,681 813 40,292 715 23,490 431 23 NASIK 1,44,009 2,903 1,64,942 3,381 1,65,477 3,316 1,73,214 4,250 94,274 2,123 24 PALGHAR 19,742 158 21,844 212 21,214 193 23,712 332 15,395 151 25 PARBHANI 1,72,795 1,226 1,99,241 1,601 1,77,757 1,487 1,56,815 1,385 87,402 833 26 PUNE 3,80,498 3,962 4,21,564 5,080 4,07,735 5,261 4,29,219 6,538 2,71,738 3,608 27 RAIGAD 45,013 238 50,999 419 33,355 300 43,194 587 21,107 158 28 RATNAGIRI 51,527 478 86,420 641 68,904 611 54,682 838 50,116 463 29 SANGLI 2,16,660 2,201 2,60,070 2,850 2,52,683 2,698 2,39,628 3,079 1,81,335 1,668 30 SATARA 3,58,567 2,644 3,99,851 3,062 3,74,418 3,028 3,64,171 3,522 2,58,582 1,957 31 SINDHUDURG 35,453 335 45,185 416 44,240 414 52,465 650 36,248 381 32 SOLAPUR 2,26,463 3,199 2,64,879 4,162 2,30,156 3,954 2,69,297 4,909 1,19,914 2,275 33 THANE 29,805 215 46,372 335 32,777 313 36,968 510 21,103 173 34 WARDHA 64,604 789 91,112 966 75,290 913 62,350 923 35,408 518 35 WASHIM 1,15,470 1,004 1,22,116 1,173 1,18,324 1,170 95,418 1,083 72,528 835 36 YAVATMAL 2,16,160 1,945 2,14,959 2,250 1,91,093 2,066 1,66,523 2,086 1,06,179 1,324 * Disbursement upto 30.09.2025; Source: SLBC, Maharashtra

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