Question : Kisan Credit Card

(a) the details of the loans disbursed under Kisan Credit Card (KCC) during the last three years in the country including Rajasthan, Maharashtra and Bihar alongwith the number of loans above three lakhs among them, State/year-wise;
(b) whether the Government proposes to increase the maximum limit of loan under KCC scheme in view of increasing expenditure of farmers;
(c) if so, the details thereof and if not, the reasons therefor indicating the maximum limit of loans presently; and
(d) the total number of farmers covered under the KCC scheme in the said States during the said period along with the number of applications pending at present?

The Minister of State in the Ministry of Finance


(a) to (d): The credit limit/ loan amount under Kisan Credit Cards (KCC) is fixed by Banks as per guidelines prescribed in the Master Circular dated July 4, 2018 issued by RBI. The short term credit limit under KCC for the first year is determined based on Scale of Finance for the crop (as decided by District Level Technical Committee) x Extent of area cultivated + 10% of limit towards post-harvest/household/ consumption requirements + 20% of limit towards repairs and maintenance expenses of farm assets + crop insurance and/or accident insurance including personal accidental insurance scheme (PAIS), health insurance & asset insurance. The limit for second and subsequent years (3rd, 4th and 5th year) is arrived based on first year limit for crop cultivation purpose plus 10% of the limit towards cost escalation / increase in scale of finance and estimated term loan component for the tenure of Kisan Credit Card, i.e., five years.

The short term loan limit arrived for the 5th year plus the estimated long term loan requirement will be the Maximum Permissible Limit (MPL) and is to be treated as the Kisan Credit Card limit.

Statement showing State-wise number of operative KCCs and amount outstanding during the last three years under KCC (including State of Rajasthan, Maharashtra and Bihar) in respect of Cooperative Banks and Regional Rural Banks (RRBs), furnished by National Bank for Agricultural and Rural Development (NABARD), is attached at Annexure I. Statement showing State-wise number of KCCs issued and agri credit limit sanctioned during the last three years under KCC (including State of Rajasthan, Maharashtra and Bihar) in respect of Commercial banks, furnished by Reserve Bank of India (RBI), is attached at Annexure II.