KISAN CREDIT CARDS (KCC)
KISAN CREDIT CARDS (KCC)
State wise details of number of operative KCCs for Animal Husbandry and Fisheries along with amount outstanding as on 30.09.2024 is given as Annexure. The district wise data is not available.
Kisan Credit Card is a saving -cum- loan product. In 2019, KCC scheme was extended to cover working capital requirement of animal husbandry, dairying and fisheries. Banks can provide collateral free loan up to Rs.1.60 lakh. Interest Subvention of 1.5% to the banks and Prompt Repayment Incentive of 3% to the farmers are provided up to Rs.2 lakh on working capital requirement towards animal husbandry, dairying and fisheries activities against KCC cards under the “Modified Interest Subvention Scheme” of M/o Agriculture and Farmers Welfare, Government of India. The loans are provided for a tenure of one year.
By availing KCC, farmers are able to access working capital loans at subsidized interest rates, which helps them to meet their short-term financial needs for activities like animal rearing, poultry farming, and fisheries. Even farmer have option to take benefit of livestock insurance, personal insurance, assets insurance & health insurance (wherever product is available). The loan is in the form of revolving cash credit, thereby farmers are able to withdraw and repay funds as needed, based on their cash flow and income generation patterns. By ensuring these financial benefits through institutional sources of credit, the KCC scheme helps farmers invest in better resources, improve productivity, and ultimately increase their income.
In order to ensure equitable access to KCC scheme this department in association with Department of Financial Services and State Animal Husbandry & Fisheries department is conducting Nation-wide AHDF KCC Campaign since 2020. Detailed guidelines for the campaign was issued by defining the role of all stakeholders for effective implementation. In addition to this,various other campaigns have also been organized like Ghar Ghar KCC Abhiyaan, Kisan Bhagidari Prathmikta Hamari, PM Janman, PM Fasal Beema Yojana, etc. NABARD has also released a film on KCC in seven regional languages for displaying in various events and uploaded on You Tube for creating awareness through digital platform.
Annexure
State-wise details of number of operative KCCs for Animal Husbandry and Fisheries (Amount in Rs. crore)
No.
State
Animal Husbandry
Fisheries
No. of Operative KCCs
Amt. outstanding
No. of Operative KCCs
Amt. outstanding
1
Delhi
209
1.75
107
0.58
2
Haryana
216,482
3,126.41
637
9.66
3
Himachal Pradesh
69,823
630.38
1,451
16.24
4
Jammu and Kashmir
219,754
1,420.69
636
6.06
5
Punjab
379,902
5,290.47
859
15.16
6
Rajasthan
628,648
7,350.61
1,226
13.01
7
Chandigarh
382
17.57
–
–
8
Ladakh
7,844
84.79
17
0.22
9
Arunachal Pradesh
123
1.67
66
0.58
10
Assam
13,448
193.24
1,926
17.48
11
Manipur
1,938
15.48
310
3.82
12
Meghalaya
2,083
11.08
206
0.71
13
Mizoram
23,924
259.29
380
5.13
14
Nagaland
562
1.48
46
0.38
15
Sikkim
2,842
17.27
117
1.12
16
Tripura
5,262
33.52
3,163
14.98
17
A&N island
811
3.65
657
2.12
18
Bihar
290,061
1,461.65
808
11.75
19
Jharkhand
16,768
69.78
1,154
7.83
20
Odisha
30,119
167.37
2,238
90.40
21
West Bengal
84,142
506.31
4,565
72.41
22
Chhattisgarh
21,119
209.54
1,394
15.59
23
Madhya Pradesh
220,537
2,684.29
6,393
19.85
24
Uttarakhand
49,649
386.43
513
6.72
25
Uttar Pradesh
612,266
5,682.47
5,455
66.54
26
Goa
1,447
28.44
545
11.88
27
Gujarat
474,965
6,301.03
9,280
290.74
28
Maharashtra
104,948
1,572.64
6,547
62.06
29
Dadra & nagar haveli & daman & diu
110
1.19
560
25.04
30
Andhra pradesh
182,591
2,121.47
14,399
2,647.84
31
Telangana
11,752
259.16
1,679
16.50
32
Karnataka
220,805
1,769.08
5,819
77.41
33
Kerala
87,642
1,093.07
10,950
217.20
34
Puducherry
5,969
74.13
3,272
55.64
35
Tamilnadu
713,732
9,255.47
39,714
739.16
36
Lakshadweep
664
5.78
1,000
10.65
Grand Total
4,703,323
52,108.68
128,089
4,552.44
Source: RBI & NABARD
This information was given by the Minister of Fisheries, Animal Husbandry and Dairying Shri Rajiv Ranjan Singh alias Lalan Singh, in a written reply in Lok Sabha today.