Parliament Question: Total Outstanding Loan under KCC Scheme

Government of India Ministry of Finance Department of Financial Services LOK SABHA Unstarred Question No. 115 ANSWERED ON MONDAY, 21 JULY 2025/ASHADHA 30, 1947 (SAKA) Total Outstanding Loan under KCC Scheme

115. Shri Rajesh Naranbhai Chudasama:

Will the Minister of Finance be pleased to state:

(a) the total number of eligible beneficiaries for issuance of Kisan Credit Cards;

(b) the total number of Kisan Credit Cards issued since its inception, year and State-wise;

(c) the amount of budget allocation and expenditure in the last five years under the scheme, year- wise;

(d) the total outstanding loan amount under the KCC scheme in the last five years, year wise; and

(e) the way by which the Government plans to reduce the rising outstanding amount under the KCC scheme? Answer THE MINISTER OF STATE IN THE MINISTRY OF FINANCE (SHRI PANKAJ CHAUDHARY)

(a) to (e) As reported by RBI and NABARD, the year-wise and State-wise details of total number of operative Kisan Credit Cards (KCCs) and outstanding loan amount for the last 5 years is provided at Annexure-I.

Government of India under Modified Interest Subvention Scheme (MISS) provides Interest Subvention of 1.5% to banks for providing short-term working capital loans upto Rs 3.00 lakh at 7% per annum provided through Kisan Credit Card (KCC). The details of Budget allocation and disbursement of funds under Modified Interest Subvention Scheme (MISS) during the last five years

is given below: (Rs. in crore) S.No Year Budget allocation Disbursement of funds 1 2020-21 19,831.75 17,789.72 2 2021-22 21,476.93 21,476.93 3 2022-23 19,700.00 17,997.88 4 2023-24 18,500.00 14,251.92 5 2024-25 22,600.00 17,811.72 The details of total outstanding loan amount under the KCC scheme at the end of last 5 financial

years are as under:

Total Amount Outstanding in Financial Year Operative Accounts (in Crores) 2020-21 7,53,133 2021-22 8,13,945 2022-23 8,85,921 2023-24 9,81,761 2024-25 10,20,072 To promote timely repayment of outstanding amount in operative accounts of KCC, the farmers are

provided 3% prompt repayment incentives. ******Annexure-I Statement referred to in part (a) to (e) of Lok Sabha Un-Starred Question no. 115 on “Total Outstanding Loan under KCC Scheme” due for answer on 21.07.2025 (Amount in Rs. Cr & number of cards issued in '000) 31 March 2021 31 March 2022 31 March 2023 31 March 2024 31 March 2025 SN State/UT No. of Amount No. of Amount No. of Amount No. of Amount No. of Amount KCCs O/s KCCs O/s KCCs O/s KCCs O/s KCCs O/s 1 A & N Island 8 34 9 45 9 38 8 23 8 24 2 Andhra Pradesh 4,605 52,279 4,577 56,125 4,552 60,883 4,853 65,455 4,734 68,003 3 Arunachal Pradesh 9 62 10 76 10 81 18 195 22 254 4 Assam 737 3,755 658 3,896 647 3,895 671 4,616 553 4,931 5 Bihar 2,771 17,385 2,657 17,581 2,577 17,388 2,881 19,152 2,821 19,369 6 Chandigarh 71 297 1 107 1 99 2 126 1 113 7 Chhattisgarh 1,766 8,554 1,782 9,798 1,917 10,757 2,146 10,582 1,909 15,088 8 DNHDD 1 22 1 30 2 40 2 40 1 47 9 Delhi 4 95 3 55 3 45 3 43 3 42 10 Goa 14 114 8 110 9 111 12 148 12 178 11 Gujarat 2,892 52,121 2,879 56,941 3,019 62,391 3,137 71,132 3,225 77,441 12 Haryana 2,264 45,356 2,253 48,049 2,287 50,045 2,362 54,000 2,400 55,411 13 Himachal Pradesh 392 6,626 424 7,309 460 7,636 503 9,072 510 9572 14 Jammu & Kashmir 1,009 6,518 934 6,292 911 6,363 1,067 6,974 1,113 7379 15 Jharkhand 925 4,488 922 4,648 968 5,200 996 5,560 969 5668 16 Karnataka 4,823 46,090 4,737 50,578 4,721 54,181 5,499 62,794 5,376 67,542 17 Kerala 1,863 26,745 1,929 27,864 2,594 43,401 2,658 49,952 2,412 44,788 18 Ladakh 30 281 190 4,226 28 258 28 268 28 272 19 Lakshadweep 0 3 25 376 2 15 3 22 3 28 20 Madhya Pradesh 6,274 68,227 6,068 69,133 6,269 78,136 6,500 84,523 6,517 88,732 21 Maharashtra 6,868 55,635 6,921 62,643 7,177 70,354 7,218 78,018 7,031 85,049 22 Manipur 18 101 18 111 20 165 20 159 18 161 23 Meghalaya 61 290 66 320 72 360 77 467 86 557 24 Mizoram 25 191 27 269 35 315 52 518 43 387 25 Nagaland 28 147 26 153 30 179 32 192 37 234 26 Odisha 4,338 19,320 3,999 20,349 3,971 21,744 4,466 29,097 4,279 27,064 27 Puducherry 16 175 18 237 13 276 20 392 19 463 28 Punjab 2,244 54,526 2,169 55,754 2,198 55,428 2,235 57,830 2,168 57,536 29 Rajasthan 6,615 84,637 6,216 94,583 6,541 99,551 6,846 1,08,973 7,127 1,12,364 30 Sikkim 7 34 7 46 9 56 10 62 11 71 31 Tamil Nadu 2,973 19,865 3,055 31,609 3,581 42,143 4,032 52,112 4,038 55,121 32 Telangana 4,260 39,821 4,273 40,611 4,337 44,405 4,509 47,786 4,576 50,594 33 Tripura 256 518 246 513 155 507 165 522 171 518 34 Uttar Pradesh 11,281 1,18,066 10,471 1,23,034 10,705 1,28,123 10,917 1,38,621 10,956 1,41,375 35 Uttarakhand 606 7,111 547 6,688 509 6,365 554 6,479 512 6,238 36 West Bengal 3,712 13,643 3,222 13,784 3,132 14,531 3,005 15,856 3,520 17,459 TOTAL 73,769 7,53,133 71,348 8,13,945 73,470 8,85,464 77,507 9,81,761 77,211 10,20,072 O/s : Outstanding