TaxTMI 
TaxTMI 
Every Rs.1 invested under Kisan Credit Card– Modified Interest Subvention Scheme (KCC-MISS) contributes Rs.2.30 to net value addition in the agriculture & allied sector, Third-party Assessment says
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....very Rs.1 invested under Kisan Credit Card– Modified Interest Subvention Scheme (KCC-MISS) contributes Rs.2.30 to net value addition in the agriculture & allied sector, Third-party Assessment says <br>News and Press Release<br>Dated:- 3-8-2026<br><BR>KCC- MISS has Positively Impacted Cropping Intensity and Multi-Season Cultivation Government Introduces Several technological interventions such as Kisan Rin Portal, Jan Samarth portal, e-KCC, KRISHIKA to Streamline Agricultural Credit Delivery Process 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 (As reported by Department of Agriculture & Farmers Welfare, Government of India). The main findings of the report submitted by ISEC are as under: • Every Rs.1 invested under KCC-MISS contributes Rs.2.30 to net value addition in the agriculture & allied sector. • The MISS has played a crucial role in reducing the interest burden on farmers, with an estimated subsidy outlay of Rs.1.87 lakh crores since inception till 2024-25. • The scheme has p....
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....ositively 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; • 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; • 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. 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, which inter-alia includes: • An....
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....nual fixing of ground level agriculture credit targets and Priority Sector lending targets for banks. • Increase in collateral free loan limit in KCC from existing Rs 1.6 lakh to Rs 2 lakh w.e.f., 01.01.2025. • 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. • 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. This information was given by the Minister of State in the Ministry of Finance, Shri Pankaj Chaudhary in the Lok Sabha today. **** 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 Si No States 2021-22 2022-23 2023-24 2024-25 2025-26 No. of A/c Amount O/s No. of A/c Amount O/s No. of A/c Amount ....
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....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 1....
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....1 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,....
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....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 30,53,10....
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....9 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 10,08,256 Details of operative accounts and amount outstanding in KCC issued for Animal Husbandry No. of Account in Actuals, Amount Outstanding in Rs. Crore Si No States 2021-22 2022-23 2023-24 2024-25 2025-26 No. of A/c Amount O/s No. of A....
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..../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 3....
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....0,020 238 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 24,1....
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....57 267 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....
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....,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 60,997 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 Si No States 2021-22 2022-23 2023-24 2024-25 2025-26 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 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....
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.... 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 MADH....
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....YA 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 ....
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.... 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 5,355 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 Si No States 2021-22 2022-23 2023-24 2024-25 2025-26 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....
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.... 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....
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.... 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 ....
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.... 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 2,93,96....
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....3 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 =============<BR> News - Press release - PIB....