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GOVERNMENT OF INDIA
MINISTRY OF FINANCE
DEPARTMENT OF FINANCIAL SERVICES
RAJYA SABHA
UNSTARRED QUESTION NO. 1981
ANWERED ON TUESDAY, 10 MARCH, 2026/ PHALGUNA 19, 1947 (SAKA)
RUPAY KISAN CREDIT CARD
1981 # SHRI SURENDRA SINGH NAGAR:
Will the Minister of FINANCE be pleased to state:
(a) the number of new RuPay Kisan Credit Cards (KCC) issued to the beneficiaries in each
State/Union Territory in 2025;
(b) the total active credit limit of these cards;
(c) whether there is evidence of an increase in agricultural productivity or income stability and
a reduction in dependence on informal credit sources among KCC beneficiaries;
(d) if so, the details thereof, State-wise; and
(e) the total digital transactions recorded through KCC and the number of transactions out of
the above that were done for direct input purchases and the transactions done for loan
repayment as on December 2025?
ANSWER
THE MINISTER OF STATE IN THE MINISTRY OF FINANCE
(SHRI PANKAJ CHAUDHARY)
(a) and (b) The details of the number of new RuPay Kisan Credit Cards (KCCs) issued in each
State/UT in financial year 2025-26 is provided at Annexure. The credit limit to all eligible
farmers under KCC is determined according to the scale of finance of the crops, area under
cultivation, cropping pattern, and related requirements.
(c) and (d) Government has taken various initiatives to increase the agriculture productivity
and bring income stability for farmers through expansion of formal credit sources. The Ground
Level Credit Flow to agriculture has steadily increased from Rs 7.30 lakh crore in 2013-2014
to Rs 28.67 lakh crore in 2024-2025. Similarly, the number of Operative KCC Accounts has
increased from 6.46 crores FY 2013-2014 to 7.72 crores in FY 2024-25.
The second All‑India Rural Financial Inclusion Survey (NAFIS 2021‑22 published in 2024)
conducted by NABARD for the reference Agricultural Year 2021–2022, across 28 states and
02 UTs (J&K & Ladakh), has identified the following key points regarding improvement in
income stability and credit access by farmers through formal sources:
i. Income - Average monthly income of rural households increased by 57.6% during the
five-year period from ₹8,059 in 2016-17 to ₹12,698 in 2021-22.
ii. Credit Access - 75% of Agricultural households availed loans from institutional sources
in 2021-22 which was 60.50% in 2016-17.
(e) As reported by National Payment Corporation of India (NPCI), the total number of digital
transactions reported through RuPay KCC cards in FY 2025-26 (upto 31st December 2025) is
3.72 lakh with a value of 111.17 crore. The state/district-wise details of digital transactions
done through KCC is not maintained by NPCI.
*****Annexure
Annexure referred to in part (a) and (b) of Rajya Sabha Unstarred Question no. 1981 on “RuPay
Kisan Credit Card” to be answered on 10.03.2026
Details of RuPay Kisan Credit Cards issued during the financial year 2025-26
(Number in Actual)
Sl.No. States/UTs Number of RuPay KCC issued
1 ANDAMAN & NICOBAR 128
2 ANDHRA PRADESH 16,96,506
3 ARUNACHAL PRADESH 5,277
4 ASSAM 82,707
5 BIHAR 5,51,127
6 CHANDIGARH* 522
7 CHHATTISGARH 12,50,928
8 DADRA & NAGAR HAVELI & DAMAN & DIU* 830
9 DELHI 864
10 GOA 4,218
11 GUJARAT* 8,23,362
12 HARYANA* 7,00,672
13 HIMACHAL PRADESH 1,96,656
14 JAMMU & KASHMIR 60,211
15 JHARKHAND 1,42,758
16 KARNATAKA 24,66,259
17 KERALA 2,38,170
18 LADAKH 4,214
19 LAKSHADWEEP 971
20 MADHYA PRADESH 20,84,658
21 MAHARASHTRA 36,57,250
22 MANIPUR 3,126
23 MEGHALAYA 16,842
24 MIZORAM 39,635
25 NAGALAND 28,519
26 ODISHA 13,53,172
27 PUDUCHERRY 8,133
28 PUNJAB* 10,45,995
29 RAJASTHAN 19,87,855
30 SIKKIM 1,679
31 TAMIL NADU 16,73,247
32 TELANGANA 25,64,499
33 TRIPURA 123
34 UTTAR PRADESH* 22,47,392
35 UTTARAKHAND 1,19,499
36 WEST BENGAL 48,578
Source: Respective State Level Bankers' Committees (SLBCs)/Union Territory Level Bankers'
Committees (UTLBCs)
*: Data is for the period 01 January 2025 to 31 December 2025