**Policy Summary: Kisan Credit Cards and Informal Credit (August 4, 2025)**
This document summarizes the penetration of Kisan Credit Cards (KCCs) among farmers and the prevalence of informal credit, based on data available as of March 31, 2025, and the NABARD All India Rural Financial Inclusion Survey (NAFIS) 2021-22.
**Kisan Credit Card Penetration:**
As of March 31, 2025, the total number of operative KCCs was 77,211,000 with an amount outstanding of Rs. 10,20,072 Cr across all states and union territories in India. The state with the highest number of KCCs is Uttar Pradesh (10,956,000), followed by Rajasthan (7,127,000) and Maharashtra (7,031,000). Rajasthan has the highest amount outstanding of Rs. 1,12,364 Cr followed by Uttar Pradesh with Rs. 1,41,375 Cr. and Madhya Pradesh with Rs. 88,732 Cr. Detailed state-wise data on the number of KCCs issued and the amount outstanding is provided in Annexure I.
**Informal Credit:**
The NABARD All India Rural Financial Inclusion Survey (NAFIS) 2021-22, released in October 2024, indicates that 23.40% of agricultural households reported taking loans from non-institutional sources during the Agricultural Year 2021-22.
Key Entities Referenced
Kisan Credit Card: A credit scheme to provide farmers with access to credit for agricultural needs.
Ministry of Finance: The ministry responsible for financial matters of the Government of India.
Lok Sabha: The lower house of the Parliament of India.
NABARD: National Bank for Agriculture and Rural Development
All India Rural Financial Inclusion Survey NAFIS 202122: A survey conducted by NABARD to assess financial inclusion in rural India during the agricultural year 2021-22.
Andhra Pradesh: A state in India where KCCs are issued.
Uttar Pradesh: A state in India where KCCs are issued.
Pankaj Chaudhary: The Minister of State in the Ministry of Finance.
GOVERNMENT OF INDIA
MINISTRY OF FINANCE
DEPARTMENT OF FINANCIAL SERVICES
LOK SABHA
UNSTARRED QUESTION NO. 2500
ANSWERED ON MONDAY, 04 AUGUST 2025/ SRAVANA 13, 1947 (SAKA)
KISAN CREDIT CARDS AND INFORMAL CREDIT
2500. SHRI SACHITHANANTHAM R:
Will the Minister of FINANCE be pleased to state:
(a) whether the Government has conducted any study or has any data regarding the penetration
of KCC (Kisan Credit Cards) among the farmers and if so, the details thereof; and
(b) the percentage of informal credit in operation among farmers?
Answer
THE MINISTER OF STATE IN THE MINISTRY OF FINANCE
(SHRI PANKAJ CHAUDHARY)
(a) Details of operative Kisan Credit Card (KCC) and amount outstanding as on 31.03.2025 in
each state are at Annexure-I.
(b) As per NABARD All India Rural Financial Inclusion Survey (NAFIS) 2021-22 released in
October 2024, 23.40% of the agricultural households reported to have taken loan from non-
institutional sources in the Agricultural Year 2021-22.
*****Annexure-I
Statement referred to in part (a) of Lok Sabha Un-Starred Question no. 2500 on “Kisan Credit
Cards and Informal Credit” due for answer on 04.08.2025
(Amount in Rs. Cr & number of cards issued in '000)
31 March 2025
SN State/UT
No. of KCCs Amount O/s
1 A & N Island 8 24
2 Andhra Pradesh 4,734 68,003
3 Arunachal Pradesh 22 254
4 Assam 553 4,931
5 Bihar 2,821 19,369
6 Chandigarh 1 113
7 Chhattisgarh 1,909 15,088
8 DNHDD 1 47
9 Delhi 3 42
10 Goa 12 178
11 Gujarat 3,225 77,441
12 Haryana 2,400 55,411
13 Himachal Pradesh 510 9572
14 Jammu & Kashmir 1,113 7379
15 Jharkhand 969 5668
16 Karnataka 5,376 67,542
17 Kerala 2,412 44,788
18 Ladakh 28 272
19 Lakshadweep 3 28
20 Madhya Pradesh 6,517 88,732
21 Maharashtra 7,031 85,049
22 Manipur 18 161
23 Meghalaya 86 557
24 Mizoram 43 387
25 Nagaland 37 234
26 Odisha 4,279 27,064
27 Puducherry 19 463
28 Punjab 2,168 57,536
29 Rajasthan 7,127 1,12,364
30 Sikkim 11 71
31 Tamil Nadu 4,038 55,121
32 Telangana 4,576 50,594
33 Tripura 171 518
34 Uttar Pradesh 10,956 1,41,375
35 Uttarakhand 512 6,238
36 West Bengal 3,520 17,459
TOTAL 77,211 10,20,072
O/s: Outstanding