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GOVERNMENT OF INDIA
MINISTRY OF FINANCE
DEPARTMENT OF FINANCIAL SERVICES
LOK SABHA
UNSTARRED QUESTION NO. 2423
ANSWERED ON MONDAY, AUGUST 03, 2026/SHRAVANA 12, 1948 (SAKA)
Kisan Credit Cards in Tamil Nadu
2423. SHRI THARANIVENTHAN M S:
Will the Minister of FINANCE be pleased to state:
(a) whether the Government is likely to furnish the year-wise details of Kisan Credit Cards
(KCCs) issued, renewed and operational during the last five years, State-wise, including Tamil
Nadu, indicating the number of small and marginal farmers, tenant farmers, sharecroppers,
livestock rearers and fishermen covered under the Scheme;
(b) if so, the details of credit sanctioned and disbursed under the KCC Scheme, along with the
extent of interest subvention provided during the said period;
(c) whether the Government has assessed the Scheme's impact on farmers' access to
institutional credit and reduction in dependence on informal sources of finance, if so, the
findings thereof;
(d) the details of overdue accounts, non-performing assets and loan restructuring under the
Scheme, State-wise including Arani constituency of Tamil Nadu; and
(e) the steps taken to expand KCC coverage, simplify application procedures, strengthen digital
access and ensure timely and affordable institutional credit, particularly for small and marginal
farmers in Tamil Nadu?
ANSWER
THE MINISTER OF STATE IN THE MINISTRY OF FINANCE
(SHRI PANKAJ CHAUDHARY)
(a) and (b) The State/UT-wise details of total number of operative Kisan Credit Cards (KCC)
and amount outstanding thereon, including the state of Tamil Nadu, during the last five years
are provided at Annexure-I. Further, the details of operative accounts and amount outstanding
in KCC issued for Animal Husbandry and Fisheries during the last five years are provided at
Annexure-II and Annexure-III respectively.
The details of funds disbursed towards interest subvention (IS) and prompt repayment incentive
(PRI) under Modified Interest Subvention Scheme (MISS) during the last 05 (five) Financial
Years is given as under:(Amount in Rs. Crore)
Year Disbursement of funds
2021-22 21476.93
2022-23 17997.88
2023-24 14251.92
2024-25 17811.72
2025-26 18366.80
Source: DAFW, GoI
(c) As reported by Department of Agriculture & Farmers Welfare, Government of India, a
third-party assessment of the KCC–MISS has been conducted through Institute for Social and
Economic Change (ISEC), Bengaluru, to assess the scheme’s functioning across India’s
diverse agro-regions. The main findings of the report submitted by ISEC are as under:
i. Every ₹1 invested under KCC–MISS contributes ₹2.30 to net value addition in the
agriculture & allied sector.
ii. The MISS has played a crucial role in reducing the interest burden on farmers, with an
estimated subsidy outlay of ₹1.87 lakh crores since inception till 2024-25.
iii. The scheme has positively impacted cropping intensity and multi-season cultivation,
with KCC-MISS farmers cultivating larger areas, achieving higher cropping intensity,
and adopting more diversified crop portfolios across seasons, supported by reliable
irrigation and concessional credit;
iv. It has improved the timeliness of input use through access to adequate working capital,
and beneficiaries receiving Prompt Repayment Incentive (PRI) have demonstrated
better credit discipline, thereby enhancing banks' confidence for further lending;
v. The scheme has supported dairy and livestock expansion and promoted income
diversification by supplementing crop income, reducing dependence on seasonal
agriculture, and integrating livestock and fisheries farming with crop production. It has
also supported Working Capital Requirements (WCR) for inland fisheries, which is
significant for diversification in the North-Eastern Region.
(d) As reported by the Reserve Bank of India (RBI), the state-wise details of Non-Performing
Assets (NPAs) under Kisan Credit Card (KCC) accounts in Scheduled Commercial Banks
(excluding Regional Rural Banks) during the last five years are provided at Annexure-IV. In
Arani constituency of Tamil Nadu, the details of overdue accounts, non-performing assets and
loan restructuring under KCC Scheme are as under:
(Amount in Rs crore)
Details No./Amount
No. of Overdue Accounts 15913
Overdue Amount 212.03
Amount of Non-Performing Assets 65.03
Amount of Loan Restructure Nil
Source: SLBC, Tamil Nadu(e) The Government has taken various steps to ensure timely and affordable institutional credit,
expand KCC coverage, simplify application procedures, strengthen digital access including
small and marginal farmers in Tamil Nadu, which inter-alia includes:
i. Annual fixing of ground level agriculture credit targets and Priority Sector lending
targets for banks.
ii. Increase in collateral free loan limit in KCC from existing Rs 1.6 lakh to Rs 2 lakh
w.e.f., 01.01.2025.
iii. Several technological interventions such as Kisan Rin Portal, Jan Samarth portal, e-
KCC, KRISHIKA etc. have also been introduced to streamline the agricultural credit
delivery process.
iv. In order to bring awareness about the benefits of the KCC scheme among farmers and
expand its coverage, Union/State Governments, RBI, NABARD and State Level
Bankers Committee (SLBCs), Banks conduct various awareness programmes, IEC
(Information, Education and Communication) and KCC Saturation campaigns.
*****Annexure-I
Annexure referred to in part (a) and (b) of Lok Sabha Un-Starred Question no. 2423 on " Kisan Credit Cards in Tamil Nadu" answered on 03.08.2026
State/UT-wise details of total number of operative Kisan Credit Cards (KCC) and amount outstanding
No. of Account in Actuals, Amount Outstanding in Rs. Crore
2021-22 2022-23 2023-24 2024-25 2025-26
Si No States
No. of A/c Amount O/s No. of A/c Amount O/s No. of A/c Amount O/s No. of A/c Amount O/s No. of A/c Amount O/s
1 A & N ISLAND 9,389 45 9,056 38 8,324 23 8,368 24 9,045 22
2 ANDHRA PRADESH 45,69,808 56,096 45,51,558 60,883 48,53,487 65,455 47,33,502 68,003 52,83,636 70,906
3 ARUNACHAL PRADESH 9,880 76 10,100 81 18,388 195 22,484 254 24,048 314
4 ASSAM 6,58,281 3,896 6,46,919 3,895 6,70,832 4,616 5,53,146 4,931 4,36,216 3,541
5 BIHAR 26,56,796 17,581 25,76,527 17,388 28,80,585 19,152 28,20,890 19,369 22,29,315 18,782
6 CHANDIGARH 1,393 107 1,475 99 1,582 126 1,010 113 748 84
7 CHHATTISGARH 17,82,290 10,352 19,17,435 10,757 21,45,836 10,582 19,08,855 15,088 20,90,655 10,943
8 DNHDD 1,417 30 1,581 40 1,543 40 1,447 47 1,171 37
9 GOA 8,347 110 9,458 111 11,649 148 11,903 178 9,473 119
10 GUJARAT 28,78,852 56,960 30,18,544 62,391 31,37,242 71,132 32,24,658 77,441 35,35,680 81,322
11 HARYANA 22,53,483 48,017 22,86,953 50,045 23,61,829 54,000 24,00,489 55,411 24,29,330 54,746
12 HIMACHAL PRADESH 4,23,843 7,242 4,60,441 7,636 5,02,861 9,072 5,10,282 9,572 5,31,152 10,756
13 JAMMU & KASHMIR 9,33,555 6,291 9,10,514 6,363 10,66,887 6,974 11,13,136 7,379 11,17,490 8,056
14 JHARKHAND 9,21,919 4,648 9,67,591 5,200 9,95,531 5,560 9,68,619 5,668 9,18,867 5,790
15 KARNATAKA 47,35,000 50,621 47,21,067 54,181 54,98,818 62,794 53,76,105 67,542 49,02,590 67,398
16 KERALA 19,29,232 27,864 25,94,466 43,401 26,58,063 49,952 24,11,756 44,788 23,06,469 43,350
17 LADAKH 1,89,654 4,226 28,072 258 28,228 268 28,134 272 28,005 277
18 LAKSHADWEEP 24,685 376 1,770 15 2,555 22 3,110 28 3,577 38
19 MADHYA PRADESH 60,68,304 69,212 62,68,740 78,136 65,00,382 84,523 65,17,376 88,732 58,41,301 87,391
20 MAHARASHTRA 69,10,764 62,833 71,77,298 70,354 72,17,854 78,018 70,31,265 85,049 61,30,311 75,143
21 MANIPUR 17,806 111 19,693 165 19,699 159 18,309 161 17,346 128
22 MEGHALAYA 66,190 320 71,677 360 77,422 467 85,889 557 96,625 722
23 MIZORAM 27,182 269 35,093 315 51,561 518 42,682 387 38,867 404
24 NAGALAND 26,259 153 30,070 179 32,072 192 36,510 234 41,009 286
25 NCT OF DELHI 3,188 56 2,861 45 2,761 43 2,614 42 2,110 37
26 ODISHA 39,98,082 20,013 39,71,032 21,744 44,65,567 29,097 42,79,001 27,064 39,21,029 28,705
27 PUDUCHERRY 17,797 238 13,413 276 20,366 392 19,361 463 11,468 303
28 PUNJAB 21,67,026 55,665 21,98,101 55,428 22,34,658 57,830 21,67,523 57,536 22,20,629 57,727
29 RAJASTHAN 62,29,619 94,798 65,40,646 99,551 68,45,762 1,08,973 71,27,313 1,12,364 71,53,741 1,15,769
30 SIKKIM 6,555 46 8,702 56 10,115 62 10,995 71 10,039 83
31 TAMIL NADU 30,53,109 31,576 35,80,708 42,143 40,31,906 52,112 40,38,150 55,121 41,87,135 52,383
32 TELANGANA 42,71,628 40,617 43,37,476 44,405 45,08,942 47,786 45,76,239 50,594 41,36,291 52,342
33 TRIPURA 2,46,320 513 1,55,042 507 1,64,916 522 1,71,181 518 1,41,889 486
34 UTTAR PRADESH 1,05,32,039 1,23,076 1,07,05,196 1,28,123 1,09,17,055 1,38,621 1,09,56,279 1,41,375 98,60,137 1,39,986
35 UTTARAKHAND 5,46,806 6,690 5,08,644 6,365 5,54,157 6,479 5,11,706 6,238 4,94,920 6,121
36 WEST BENGAL 33,13,609 14,590 31,32,363 14,531 30,04,799 15,856 35,20,251 17,459 26,65,570 13,758
Total 7,14,90,107 8,15,314 7,34,70,282 8,85,464 7,75,04,234 9,81,761 7,72,10,538 10,20,072 7,28,27,884 10,08,256Annexure-II
Annexure referred to in part (a) and (b) of Lok Sabha Un-Starred Question no. 2423 on " Kisan Credit Cards in Tamil Nadu" answered on 03.08.2026
Details of operative accounts and amount outstanding in KCC issued for Animal Husbandry
No. of Account in Actuals, Amount Outstanding in Rs. Crore
2021-22 2022-23 2023-24 2024-25 2025-26
Si No States
No. of A/c Amount O/s No. of A/c Amount O/s No. of A/c Amount O/s No. of A/c Amount O/s No. of A/c Amount O/s
1 A & N ISLAND 626 3 768 4 819 4 821 4 791 4
2 ANDHRA PRADESH 56,650 592 77,135 757 1,76,647 1,964 1,85,644 2,168 2,02,181 5,689
3 ARUNACHAL PRADESH 142 2 195 2 138 1 124 2 803 32
4 ASSAM 1,991 18 4,054 33 12,374 126 10,600 150 5,551 73
5 BIHAR 20,298 150 30,119 287 1,59,501 1,004 2,54,408 1,290 90,351 956
6 CHANDIGARH 121 5 185 3 363 11 271 16 258 7
7 CHHATTISGARH 4,650 63 6,958 68 15,505 175 19,002 201 18,674 184
8 DNHDD 102 1 108 1 118 1 113 1 600 25
9 GOA 2,154 29 2,416 25 1,393 13 2,658 36 2,402 32
10 GUJARAT 1,70,662 1,682 2,64,044 2,717 85,725 831 5,03,678 6,528 8,24,901 7,715
11 HARYANA 73,103 986 1,02,775 1,428 3,80,932 5,805 2,24,992 3,239 2,23,366 3,669
12 HIMACHAL PRADESH 30,020 238 40,894 334 1,67,213 2,272 74,370 682 1,03,957 941
13 JAMMU & KASHMIR 1,27,466 664 1,43,138 769 79,974 640 2,36,135 1,582 2,78,089 2,062
14 JHARKHAND 6,612 32 6,051 32 1,60,487 917 12,472 63 6,423 55
15 KARNATAKA 1,53,367 556 1,55,641 551 1,19,909 534 2,14,283 1,766 2,73,935 3,130
16 KERALA 73,946 672 76,524 727 1,37,648 1,290 80,019 995 1,10,467 1,160
17 LADAKH 6,971 69 6,903 68 44,651 615 8,204 86 8,577 92
18 LAKSHADWEEP 169 1 460 4 7,519 76 853 7 2,638 29
19 MADHYA PRADESH 46,503 325 94,075 677 73,082 569 2,08,676 2,230 2,07,010 1,988
20 MAHARASHTRA 25,320 269 33,881 343 1,39,852 2,198 89,062 1,325 50,813 759
21 MANIPUR 1,793 16 2,468 20 88,371 1,139 2,542 20 2,284 20
22 MEGHALAYA 208 2 458 3 1,417 13 1,621 10 813 8
23 MIZORAM 16,894 226 18,675 265 28,793 369 24,157 267 26,693 281
24 NAGALAND 111 2 871 3 2,247 22 445 1 309 2
25 NCT OF DELHI 62 2 64 1 665 2 193 2 205 3
26 ODISHA 6,534 34 6,270 33 20,251 139 22,165 164 11,324 301
27 PUDUCHERRY 3,256 27 2,879 24 4,927 55 5,340 66 3,059 55
28 PUNJAB 1,48,782 2,088 2,40,894 3,456 3,53,764 5,054 3,79,369 5,256 3,60,449 5,298
29 RAJASTHAN 1,68,076 1,821 2,39,902 2,717 5,43,459 6,459 6,65,704 7,778 7,20,123 8,926
30 SIKKIM 498 4 1,033 8 2,320 14 3,058 21 3,304 28
31 TAMIL NADU 2,16,600 3,299 3,79,403 4,992 6,06,404 7,953 6,88,212 8,239 8,30,159 8,110
32 TELANGANA 9,179 134 8,045 100 11,981 229 14,667 281 10,778 287
33 TRIPURA 8,040 33 40,035 102 4,256 30 4,641 29 2,934 25
34 UTTAR PRADESH 17,881 138 31,920 236 2,63,814 2,695 6,44,710 6,243 6,53,489 8,179
35 UTTARAKHAND 1,00,460 975 1,90,871 1,966 2,64,657 2,600 51,332 397 46,195 426
36 WEST BENGAL 9,203 60 15,763 118 46,023 346 87,506 491 41,648 446
Total 15,08,450 15,216 22,25,875 22,873 40,07,199 46,166 47,22,047 51,637 51,25,553 60,997Annexure-III
Annexure referred to in part (a) and (b) of Lok Sabha Un-Starred Question no. 2423 on " Kisan Credit Cards in Tamil Nadu" answered on 03.08.2026
Details of operative accounts and amount outstanding in KCC issued for Fisheries
No. of Account in Actuals, Amount Outstanding in Rs. Crore
2021-22 2022-23 2023-24 2024-25 2025-26
Si No States No. of Amount No. of No. of
Amount O/s Amount O/s No. of A/c Amount O/s No. of A/c Amount O/s
A/c O/s A/c A/c
1 A & N ISLAND 472 2 490 2 654 2 657 2 509 1
2 ANDHRA PRADESH 7,394 934 8,010 1,327 14,716 2,440 16,843 2,993 16,431 3,349
3 ARUNACHAL PRADESH 46 0 68 1 68 1 68 1 92 3
4 ASSAM 1,299 10 2,280 16 2,061 18 1,806 16 1,585 16
5 BIHAR 604 8 570 7 812 11 853 11 1,385 16
6 CHANDIGARH 1 0 0 0 0 0 0 0 0 0
7 CHHATTISGARH 898 9 1,143 10 1,318 14 1,497 15 1,746 12
8 DNHDD 535 13 586 21 545 23 560 26 488 23
9 GOA 453 11 529 8 156 1 553 12 508 15
10 GUJARAT 5,098 120 6,882 176 1,155 14 10,000 314 10,213 315
11 HARYANA 361 5 472 6 7,838 247 603 10 516 9
12 HIMACHAL PRADESH 524 5 625 6 1,248 18 1,558 17 1,631 19
13 JAMMU & KASHMIR 654 8 679 7 926 10 1,374 8 2,511 13
14 JHARKHAND 1,835 9 1,827 10 995 8 1,171 8 917 6
15 KARNATAKA 2,483 29 6,533 55 2,973 14 5,766 73 7,891 102
16 KERALA 4,802 78 8,639 132 4,837 77 10,819 217 18,777 312
17 LADAKH 884 16 11 0 7,935 162 21 0 22 0
18 LAKSHADWEEP 2 0 242 3 14 0 1,199 13 1,606 18
19 MADHYA PRADESH 5,482 14 18,269 29 4,886 17 6,600 21 5,311 18
20 MAHARASHTRA 5,585 39 6,670 51 3,485 15 6,894 73 6,954 72
21 MANIPUR 211 3 308 3 5,750 52 433 4 349 3
22 MEGHALAYA 121 0 199 1 324 2 206 1 168 1
23 MIZORAM 50 1 95 1 638 6 369 5 459 4
24 NAGALAND 6 0 74 1 70 1 31 0 32 0
25 NCT OF DELHI 0 0 0 - 44 0 94 0 4 0
26 ODISHA 1,084 17 975 72 1,661 99 2,307 97 2,355 125
27 PUDUCHERRY 251 1 1,106 16 2,567 41 3,035 56 1,707 43
28 PUNJAB 731 11 918 14 885 15 710 13 507 9
29 RAJASTHAN 843 7 999 10 1,288 14 1,068 12 857 11
30 SIKKIM 40 1 44 1 100 1 198 2 351 4
31 TAMIL NADU 4,481 59 12,036 179 32,901 599 42,031 749 34,962 591
32 TELANGANA 3,664 16 3,973 26 2,263 16 1,473 11 1,849 24
33 TRIPURA 1,902 13 10,345 29 3,364 15 3,152 16 2,955 17
34 UTTAR PRADESH 286 4 381 4 2,145 23 5,771 72 6,650 91
35 UTTARAKHAND 4,012 43 5,481 57 3,748 46 558 8 628 7
36 WEST BENGAL 3,001 42 5,041 65 5,155 73 4,708 80 4,850 106
Total 60,095 1,531 1,06,500 2,344 1,19,525 4,096 1,34,986 4,957 1,37,776 5,355Annexure-IV
Annexure referred to in part (d) of Lok Sabha Un-Starred Question no. 2423 on " Kisan Credit Cards in Tamil Nadu" answered on 03.08.2026
State-wise details of Non-Performing Assets (NPAs) under KCC in Scheduled Commercial Banks (excluding Regional Rural Banks) during the last five years
No. of Account in Actuals, Amount Outstanding in Rs. Crore
2021-22 2022-23 2023-24 2024-25 2025-26
Si No States
No. of A/c Amount O/s No. of A/c Amount O/s No. of A/c Amount O/s No. of A/c Amount O/s No. of A/c Amount O/s
1 A & N ISLAND 68 1 47 0.28 54 0.29 89 0.40 89 0.39
2 ANDHRA PRADESH 1,84,373 2684 1,91,135 2,852 1,90,402 2,926 1,67,123 2,725 1,40,908 2,282
3 ARUNACHAL PRADESH 6,197 36 5,519 33 5,354 33 5,311 34 5,086 35
4 ASSAM 4,05,005 1772 4,04,477 1,974 3,61,126 1,986 3,57,601 2,097 3,44,288 2,008
5 BIHAR 9,29,841 6412 8,49,035 6,064 8,25,228 6,085 7,96,586 5,850 6,95,270 5,167
6 CHANDIGARH 358 97 434 92 504 107 330 73 625 123
7 CHHATTISGARH 35,611 407 36,754 512 31,261 564 32,871 670 30,735 730
8 DNHDD 168 1 136 2 153 3 161 3 187 4
9 GOA 518 7 525 13 609 16 597 9 507 6
10 GUJARAT 1,15,145 2410 1,14,852 2,531 1,11,930 2,560 1,31,767 3,214 1,36,338 3,486
11 HARYANA 80,804 3065 85,209 3,248 85,627 3,127 87,942 3,188 80,766 2,729
12 HIMACHAL PRADESH 15,939 370 14,141 346 12,806 329 11,926 304 11,611 294
13 JAMMU & KASHMIR 10,853 160 12,708 180 11,967 187 11,877 184 11,859 180
14 JHARKHAND 3,39,617 1489 2,96,790 1,319 3,03,677 1,395 3,34,404 1,531 3,12,739 1,482
15 KARNATAKA 3,02,230 4933 3,12,354 5,437 2,90,523 5,427 2,77,586 5,298 2,07,789 4,197
16 KERALA 39,867 1029 45,545 1,418 46,169 1,280 47,872 1,244 39,257 1,064
17 LADAKH 5,613 354 123 1 67 1 52 1 47 1
18 LAKSHADWEEP 1,696 29 9 0.04 25 0.16 49 0.43 81 1
19 MADHYA PRADESH 4,57,844 8626 4,75,724 9,286 4,81,769 10,342 4,94,987 11,878 4,71,568 12,130
20 MAHARASHTRA 6,42,138 9592 6,76,004 10,285 8,01,886 11,189 9,53,183 12,690 12,09,145 15,155
21 MANIPUR 11,177 72 10,864 71 11,840 78 11,879 84 10,862 73
22 MEGHALAYA 31,321 166 29,528 159 26,130 145 24,182 137 21,493 124
23 MIZORAM 7,924 45 6,487 40 6,855 41 7,244 43 5,827 39
24 NAGALAND 5,681 32 5,135 29 3,316 19 2,765 15 2,327 12
25 NCT OF DELHI 439 11 435 10 417 11 415 8 340 8
26 ODISHA 3,18,267 1492 3,22,488 1,591 3,14,453 1,711 3,03,553 1,786 2,70,565 1,620
27 PUDUCHERRY 2,407 34 1,964 30 1,922 27 1,799 22 1,543 19
28 PUNJAB 1,27,128 7068 1,41,339 7,439 1,27,897 7,011 1,24,649 6,745 1,13,318 5,972
29 RAJASTHAN 3,80,440 7503 3,86,466 8,558 3,74,331 8,994 3,70,272 9,703 3,58,247 9,737
30 SIKKIM 1,971 8 1,706 8 1,416 9 1,315 9 924 8
31 TAMIL NADU 2,81,017 3194 2,59,717 3,011 2,41,368 2,770 2,03,732 2,375 1,46,212 1,765
32 TELANGANA 4,11,722 3117 4,46,970 3,656 4,18,103 3,406 3,36,768 2,979 2,87,770 2,705
33 TRIPURA 41,804 179 39,267 184 34,845 194 34,895 205 33,601 200
34 UTTAR PRADESH 11,30,993 15540 11,71,542 17,352 12,10,981 18,178 12,73,379 19,314 12,33,306 19,158
35 UTTARAKHAND 41,939 945 31,203 795 41,694 991 29,159 745 27,619 704
36 WEST BENGAL 2,93,963 1756 3,35,309 2,303 2,94,051 2,228 2,72,776 2,251 2,50,713 2,052
Total 66,62,078 84,637 67,11,941 90,832 66,70,756 93,370 67,11,096 97,418 64,63,562 95,269