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<h1>Agricultural credit policy expands formal lending access and concessional short term finance with support mechanisms and credit cards.</h1> The Government's agricultural credit policy combines mandated priority sector lending targets for banks with a dedicated agriculture sub target, annually fixed flow of credit goals, and institutional instruments such as Kisan Credit Cards and General Credit Cards. It includes the Interest Subvention Scheme for concessional short term crop loans with additional incentives for prompt payers, RBI advice to waive margin/security on small agricultural loans, and implementation of an Agricultural Debt Waiver and Debt Relief Scheme to relieve distressed farmers and restore access to fresh credit.