Parliament Question: The new RuPay Kisan Credit Cards

GOVERNMENT OF INDIA MINISTRY OF FINANCE DEPARTMENT OF FINANCIAL SERVICES RAJYA SABHA STARRED QUESTION NO. *187 ANSWERED ON TUESDAY, 10 MARCH, 2026/ 19 PHALGUNA, 1947 (SAKA) THE NEW RUPAY KISAN CREDIT CARDS *187. DR. SUMER SINGH SOLANKI: Will the Minister of FINANCE be pleased to state: (a) the details of the number of new RuPay Kisan Credit Cards (KCCs) issued in each State/UT in 2025; (b) the total credit limit activated; (c) whether there is evidence of increased agricultural productivity or income stability and less dependence on informal credit sources among KCC beneficiaries; (d) if so, the State-wise details thereof; and (e) how many digital transactions have been executed through KCC and the proportion of these used for direct input purchases versus loan repayment as of December 2025? ANSWER THE FINANCE MINISTER (SMT. NIRMALA SITHARAMAN) (a) to (e): A Statement is laid on the Table of the House. *****STATEMENT REFERRED TO IN REPLY TO PARTS (a) to (e) OF RAJYA SABHA STARRED QUESTION NO.*187 ANSWERED ON 10th MARCH 2026, REGARDING ‘THE NEW RUPAY KISAN CREDIT CARDS’ (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. However, under the Modified Interest Subvention Scheme (MISS) of the Government of India, concessional interest rate on Kisan Credit Card is available upto maximum credit limit of Rs 3 lakh. (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 Starred Question no. *187 on “The New RuPay Kisan Credit Cards” 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 575 7 CHHATTISGARH 12,50,928 DADRA & NAGAR HAVELI & DAMAN & 8 640 DIU 9 DELHI 864 10 GOA 4,218 11 GUJARAT 6,58,690 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)